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

The following accounts are both unknown and unauthorized, therefore I'm demanding that the major 3 reporting agencies remove and block the following. Or show just cause via physical documentation of why they are reporting such. Please remove 1 ) XXXX XXXX {$1100.00} 2 ) XXXX XXXX   {$61.00} 3 ) XXXX XXXX 4 ) University of XXXX  {$1000.00} 5 ) XXXX XXXX {$2900.00} 6 ) XXXX XXXX XXXX XXXX XXXX 7 ) XXXX XXXX XXXX {$1300.00} 8 ) XXXX  {$5500.00} 9 ) XXXX   {$5000.00} 10 ) Dept of ED/ XXXX {$56000.00} 11 ) Dept of ED/ XXXX {$31000.00} 12 ) Dept of ED/ XXXX {$3200.00} 13 ) Dept of ED/ XXXX {$4200.00} 14 ) Dept of ED/ XXXX {$1000.00} 15 ) XXXX {$4000.00} 16 ) XXXX {$2600.00} 17 ) XXXX {$11000.00} 18 ) XXXX {$9600.00} 19 ) XXXX XXXX XXXX XXXX {$21000.00} 20 ) XXXX XXXX XXXX XXXX {$2600.00} 21 ) XXXX XXXX XXXX XXXX {$1400.00} 22 ) XXXX XXXX XXXX XXXX {$4000.00}
Product: Mortgage

Contact Date XX/XX/18 EveryDay Checking - XXXX  Partian Loan Number *XXXX XXXX XXXX XXXX XXXX  , CA XXXX The request was to reduce my mortgages on these two loans by applying money into the mortgage directly. The advised that one loan qualified and the other did not the loan that did qualify took several weeks to send me the paperwork. The interest rates were to remain the same along with the escrow accounts. Although, when I signed at a notary the documents didn't say this the payment was for principal and interest. The bank verbally assured me that this would be corrected. I do not trust verbal assurances as they turn into lies that the bak says never was advised. I have been on the phone and have requested this in writing many times. I am requesting assistance and Credit Union has continued to do as it pleases and is delaying this and costing me money.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX platinum card amount {$560.00} was sold to LVNV funding
Product: Credit reporting or other personal consumer reports

This creditor is reporting on my credit report as delinquent but this is not my credit, also when I requested a dispute on the reporting I also requested documents showing this is my credit after disputing multiple times I was still never provided with any documents not even a 1099.
Product: Credit card

In XXXX of XXXX I closed my credit card account with First Progress. It was a credit card account which required an initial deposit of {$300.00}. At the time of closure I had a zero balance. I called customer service and confirmed that the balance was XXXX, requested to close the account, and I verbally requested an immediate refund of the initial deposit amount of {$300.00}. The customer service person stated that I would have to fax over a written request for the deposit money to be returned immediately. I faxed over a written request for the immediate return of the initial deposit money. I received confirmation from First Progress on XXXX/XXXX/XXXX indicating that they had closed my account as requested. Greater than eight weeks have passed and to date XXXX/XXXX/XXXX No refund of my deposit has been issued. I am requesting that my refund be issued immediately.
Product: Debt collection

I keep receiving several calls at my place of employment from a man named XXXX XXXX who claims to work for a Warner Location Services. I asked him to not call my employer, if this is a legal matter to please send me something in writing or by mail. He refuses and has been constantly leaving messages on my work voicemail stating I better call him by a certain time that day or legal action will be taken against me. Also states that if I do n't call him that an employment verification will be faxed to my employer. Demands that I call him back at XXXX ext. XXXX, to resolve this legal matter. When I called that number, there 's a recording that says, thank you for calling, if you know your parties extension please dial it now or press XXXX and someone will be with you. There is no introduction with a company name or anything.
Product: Money transfer, virtual currency, or money service

Zelle payment went through to a scammer selling puppies, without warning if this is the correct person. Sent {$3000.00}. Contacted my bank and they said there is nothing they can do.
Product: Credit card or prepaid card

I called Victoria Secret on Saturday XX/XX/XXXX. to ask why they lowered my limit to less then what I already owe. This means my credit card is maxed out and Im over the credit limit, which is damaging my credit score.  My limit was {$XXXX} and it was lowered to {$XXXX} but the balance owed is {$190.00}. When speaking to XXXX from Commenity bank she said it was nothing she could do.
Product: Credit reporting

Rent Recovery Solutions is falsely placing an eviction on my credit report. This creditor is stating that its accurate in which its not. I never stayed in this location, never signed a lease. I did apply for the apartment but decided not to sign the contract. I have an illegal evcition from this company and I never went to court or signed a contract. I want this removed immediately off my report as its harming me and my family. I can not get an apartment due to this. I never had any type of evictions on my report. I called this debt collector multiple times and they keep passing me around. The person handling my case is n't even returning my calls. This item should have never been on any of my credit reports. I 've been passed around NUMEROUS of times this is wrong.
Product: Vehicle loan or lease

I already requested the lender to come and pick up the car, due to health issues i am unable to keep paying the car, so i need this car back to the lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. 

Also, update my personal information to my credit report. 

See attachment for the following : A summary letter FTC Complaint form A copy of my Identity Theft Report Police report proof of my identity ; a copy of my drivers license and Social Security card Proof of address A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.
Product: Credit card

I have had a Discover credit card for 10 years with a credit limit of {$18000.00}. I purchased a home in XX/XX/XXXX and part of my mortgage agreement was to pay off the remaining balance on the Discover card of {$3500.00}. When I closed on my house on XX/XX/2016, the title company handling my closing received the funds via wire to pay off the card and paid it off within 2 weeks. I then received a letter from Discover notifying me that my account was closed. I called them and they notified me that they received a letter along with my payment requesting for the account to be closed. I requested a copy of the letter and upon receiving it, saw that the title company had closed my account without authorization ( since that was n't a requirement of my mortgage lender ) and that the document had XXXX borrower signatures that were not mine. I called my mortgage company and they verified that the closing of the card was not a requirement and the title company was in the wrong. I called the title company and they admitted their error but said they could not help me any further. When contacting Discover, they forwarded me to a supervisor two times on two separate occasions and eventually told me that they would not re-open my account even though the document they received did not have my signature. I offered to send them a letter from the title company that committed the error and they refused that option as well. I contacted the fraud department at Discover and they told me the same thing. Since the account closed had a {$18000.00} credit limit, my credit ratio changed and therefore my credit score went down XXXX-XXXX points.
Product: Debt collection

I had a collection on my credit report from credit control services in the amount of XXXX. The debt was on my credit report before I had any knowledge of the debt. I spoke to the collection agency, and they said if I pay the debt, it would be removed from my report. So, I paid the debt last year in XXXXXXXX XXXX XXXX  and the collection is still on my credit report.
Product: Credit reporting or other personal consumer reports

This is a formal complaint against Experian for disclosing a copy of my credit report without my written consent. On ( XX/XX/XXXX ) I became aware that Experian provided a copy of my credit report XXXX XXXX without my explicit authorization. I did not provide XXXX XXXX consent to obtain my sensitive information, nor did I consent or agree to have an inquiry made on my credit report. This unauthorized disclosure of my credit file has caused me great concern and distress. My rights under the FCRA have been violated, as the act clearly states that a consumer reporting agency must obtain written consent before relased a credit report to a third party. I am in the process of disputing an ALREADY fruadulent account from XXXX XXXX brandished on my account that in fact ; per XXXX XXXX  I have been found not responsible for so I would not go and then approve an inquiry from XXXX XXXXXXXX. I demand that Experian take immediate action to recifify this issue by : 1 ) Removing the inquiry from XXXX XXXXXXXX made on XX/XX/XXXX and any other information related to XXXX XXXX on my credit report as I DO NOT HAVE AN ANY ACCOUNTS WITH XXXX XXXX! 2 ) send me written confirmation this matter has been resolved, I have included a copy of the IDTHEFT report I have filed on the Federal FTC site.
Product: Debt collection

Hello Team, Due to the pandemic my credit profile was damaged as there were lo of errors and inconsistencies in the credit report. To fix this i joined a credit repair company named 90 days credit repairs. They falsely claimed me and said they will give XXXX points increase warranty in 90 days. Also they tricked me and put me in a contract spanning for 1 year and i was asked to pay {$100.00} per month for their services. I agreed and started paying them monthly {$100.00} and i paid for 3 months. However they did not show any results not even a single point of increase on top of that they did not communicate well or did not showed any transparency as what were they doing. Even after multiple attempts nothing changed and their claim of XXXX points warranty in 90 days went false. 
Since this was my first time to work with a credit repair company i still gave them a chance and waited for more 90 days but still there were no meaningful results. 
During this period they put a contract account by name Denefits LLC on the Credit Bureaus and started reporting Negative acitivity on my credit profile damaging my credit badly since i had stopped paying them. 

Now Denefits LLC team are Harrasing and Threating me that they will file a lawsuit against me in the court for a amount of {$700.00} +. they are giving me regular phone calls and harrasing me also they re asking e to settle down this contract by paying {$700.00} + amount. 

I need immediate help to get out of this situation, Thanks, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested several time that Navient correct erroneous information on my credit report stating that my loans were late in XXXX. I have a confirmation letter from the creditor stating that they did a Retroactive deferment on my loans on XX/XX/XXXX which covered the time period of XX/XX/XXXX to XX/XX/XXXX. During this same time the creditor listed several months Past Due. I have received a letter from Navient dated 2/19/2021 in which the final confirm the above. In addition they have listed my loans 2 times on my credit report under 2 different names during a time in which I did not authorize any change in servicer. I have requested a minimum of 4 times with the creditor as well as all of the individual credit bureaus that this be corrected and only the current status is updated.
Product: Debt collection

I received a call on Friday from Renton Collections saying this was their XXXX attempt to collect a debt. I had not received any notices so asked that they send me the information as I was not willing to pay something without doing my due diligence to make sure it was handled appropriately. The supposed manager got extremely rude, was telling me to just pay the debt and was completely hostile. Keep in mind I had just paid a {$1200.00} bill that was removed from their queue because it had been wrongly sent through our insurance. I wanted to insure this was billed properly since I had n't received notice, not to avoid payment and she continued with the verbal abuse. When I asked to speak to her manager she informed me she was the manager and the only other person above her was the owner and they would n't send me to them. I have no issue paying a bill I owe, but wont just send someone money without any sort of paper trail. Extremely unprofessional and after reading all the similar complaints online, I ca n't believe they are allowed to be in business. Verbal abuse is not ok.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I went to the XXXX branch of Bank of America branch for assistance in sending a wire. The representative there directed me to send the wire from my app and assisted me in doing so. The wire was in amount of {$100000.00} to recipient XXXX XXXX XXXX. 

On XX/XX/XXXX, I received a call from Bank of America about the wire and was informed that it was flagged on suspicion of fraud and additional information was requested about the purpose of the wire. On XX/XX/XXXX, I brought the information to the branch for review and they called the wire department with me about the wire. They shared that the wire details still did not make sense for the wire and informed me that it would be cancelled and the funds would be returned to my account. 

Instead, the wire was released and cleared my account. BOA claims they dont know how that happened, or why.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.
Product: Credit reporting or other personal consumer reports

To whom this may concern, I am writing to request the removal of unauthorized credit inquiries on my XXXX, Experian and XXXX credit report. My latest credit report shows ( number of hard inquiries you are disputing ) credit inquiries that I did not authorize.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 1

5 USC 1681c ( a ) ( 5 ). According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that XXXX, XXXX reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an account with Jefferson Capital. I have never received any services of goods nor do i have a contract with this company. I don't know who they are, nor have I signed any agreement. This company do NOT have a signed agreement with my signature. The account needs to be deleted immediately for fraud reporting to my credit report. This collection account is inaccurate and false under 15 USC 1681s-2 ( A ) and 15 USC 1681e ( b )
Product: Debt collection

Account Name : CAPITAL ONE BANK USA N Account Number : XXXX Date Opened : XX/XX/2015 Balance : XXXX Reason : Identity theft Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Late payments listed with incorrect info. Sent letter to be removed with updated info wasnt honored.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against EQUIFAX ( CRA ) for failing to remove an unauthorized inquiry from my credit report. 

Details : Date : XX/XX/year> Company : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I did not authorize XXXX XXXX  to access my credit report, and the inquiry is inaccurately listed. Despite my disputes, Equifax has refused to remove the inquiry. 

I have attempted to dispute this through equifaxs portal. There was no thorough investigation invest it was closed within an hour or two of me submitting my dispute.

The following laws and regulations support the deletion of a disputed inquiry : 1. Fair Credit Reporting Act ( FCRA ) : - Section 611 ( Dispute Process ) : Requires credit reporting agencies ( CRAs ) to investigate disputes and delete inaccurate or incomplete information. 
- Section 605 ( Requirements Relating to Information contained in Consumer Reports ) : Requires CRAs to ensure the accuracy and completeness of information in consumer reports.

2. Regulation V ( 12 CFR Part 1022 ) : - Section 1022.43 ( Dispute Process ) : Implements the FCRA 's dispute process requirements. 
XXXX. Consumer Financial Protection Bureau ( CFPB ) Guidance : - CFPB Bulletin 2013-09 ( Disputed Information on Consumer Reports ) : Clarifies that CRAs must investigate disputes and delete inaccurate information.

4. Federal Trade Commission ( FTC ) Guidance : - FTC Commentary on the FCRA ( 16 CFR Part 600 ) : Provides guiXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI request your assistance in resolving this issue and removing the unauthorized inquiry from my credit report. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I applied for a credit card with Chase. My application got denied. This caused a hard inquiry on my credit report. A few minutes later ( in the same day ), on XX/XX/XXXX, I requested a credit line increase on my existing credit card. This happened via secure message communication. I followed the process, but I clearly stated that I did not give my consent to pull another credit report in the same day, instead, I suggested using the same credit report that Chase pulled from XXXX  on XX/XX/XXXX. Despite my clear statement making it clear that I did not give my consent, Chase pulled a second credit report on XX/XX/XXXX, and caused a second Hard Inquiry. I clearly stated " use the same report and do not obtain a second copy ''. You can verify this in my attachments named : " No Consent for Credit Report.pdf ''. Therefore, a hard inquiry was caused without my consent. 

I tried to solve this problem with Chase Bank several times. Both in writing via secure messages, and several times on the phone. The customer service of Chase leaves me hanging. The only answer I got is that they will provide me with findings. I am not interested in the findings. I need a clear and transparent answer, and also I demand Chase Bank to remove the second hard inquiry that was caused without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon receiving the first round of letters, I mailed them to Transunion via certified mail on XX/XX/2020. I called and spoke to a representative on XX/XX/2020 to ask about an update on the results of the first round of letters and was told they never received them.
Product: Credit reporting or other personal consumer reports

I am writing to point out some mistakes in the report titled in my credit reports. There are several incorrect names and addresses listed that need to be fixed. I am attaching the identity theft report with all the incorrect names and addresses as well. 
Names : XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX The Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX