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

I am writing to formally request the immediate removal of the following unauthorized inquiries from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/year> These inquiries were not initiated or authorized by me, and their presence on my credit report is damaging to my credit score and overall financial well-being. I have previously contacted your agency regarding this matter, and despite your responses stating that the inquiries will remain, I must insist on their removal based on my rights under the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, 15 U.S. Code 1681b, it is required that inquiries must have a permissible purpose and must be authorized by the consumer. Since I did not authorize these inquiries, they lack permissible purpose and should be removed from my credit report immediately. Moreover, according to 15 U.S. Code 1681i, consumers have the right to dispute inaccurate or incomplete information, and credit reporting agencies are obligated to correct or delete such information after conducting a reasonable investigation. 

I request that TransUnion conduct a thorough investigation into these unauthorized inquiries. If you find that these inquiries were indeed unauthorized, I demand that they be removed from my credit report without further delay. Please provide me with written confirmation once the inquiries have been deleted. 

Enclosed are copies of my credit report highlighting the unauthorized inquiries and a copy of my identification for verification purposes. 

Your company 's failure to remove these unauthorized inquiries promptly left me no choice but to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) and considering legal action to enforce my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter multiple times to XXXX, Experian and XXXX. However, it has been more than days and I have not received a response regarding my investigation. The status date on my credit report has not change, which means they are clearly not investigating the accounts. I discovered multiple billing errors under 15U.S Code 1666 ( b ) billing error, including the creditor 's failure to properly reflect a payment made by me and a computation error on a statement. Despite my initial request, I have not received any hard proof from the creditor that proves I did not pay and was marked late. Therefor, I am still adamant that these errors were purely billing errors. and I urge to rectify them promptly furthermore, I request that the following items be updated on my consumer report, as agreed. As a consumer, I have the right to have theses accounts updated immediately. in compliance with the law. Failure to do so may result in me seeking monetary compensation for violation of my rights in small claims court in my city and state Under 15 U.S.C 1681 Civil liability.
Product: Credit reporting, credit repair services, or other personal consumer reports

A state tax lien was placed on my credit reports for all 3 CRAs. The Lien does not meet the new reporting guidelines ( does not contain SSN or birthdate ) So I would like it removed from XXXX, Experian and XXXX. I am in the process of filing amended returns on all of these as the original return was calculated incorrectly.
Product: Mortgage

On Saturday, XX/XX/2020, I submitted a complete application to New American Funding for a refinance of my home loan. Along with my application, I uploaded all stipulations to verify income, property address, id, social security, hazard insurance, and current mortgage balance. 

On the morning of XX/XX/2020, I called New American Funding to find out if an MLO would be giving me a call to discuss my options. I was told by the call center representative that an MLO from a local office would be giving me a call. 

It wasn't until the morning of XX/XX/XXXX that I was contacted by a local MLO. The conversation was brief and promised me he would be looking at programs and would call me back at a later time. 

I called the customer service center back on XX/XX/2020 to follow up. I was forwarded to the local MLO and was quickly disconnected. 

It is now XX/XX/2020, and I have not been given a Loan Estimate according to TRID. 
Contacting the company yields no results. I called the customer service center once again today with no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reason to believe that these accounts were not initiated by me and may be fraudulent. Therefore, I am requesting that you conduct an investigation and take the necessary steps to remove them from my credit report. I have provided supporting documentation to assist you in this process.
Product: Mortgage

PNC Bank is attempting to charge me a prorated escrow shortage fee equal to nearly a third of my total annual escrow disbursements. They are adding a monthly payment of {$340.00} in addition to my escrow payment of {$1100.00}. This is in violation of RESPA and CFR 1024.17c. They are only allowed to cushion my escrow account by a factor of 1/6 my total annual escrow disbursement which is {$13000.00}. 1/6 of my disbursements is equal to {$2200.00} annually. They are attempting to charge me an additional {$4100.00} annually ( XXXX XXXX mos ). They sent this information in an escrow account disclosure dates XX/XX/XXXX, in regards to my new payment schedule starting XX/XX/XXXX. I spoke with 2 representative, one of whom assured me that the information was wrong, only to be sent a new disclosure statement dated XX/XX/XXXX with the prorated monthly fee on {$30.00} less.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$15000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$280.00} ; XXXX XXXXXXXX Balance : {$130.00} ; XXXX XXXX Balance : {$630.00} ; XXXX XXXXXXXX Balance : {$930.00} ; XXXX XXXX Balance : {$890.00} ; XXXX XXXXXXXX Balance : {$210.00} ; XXXX XXXX Balance : {$210.00} ; XXXX XXXXXXXX Balance : {$330.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$180.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

In XXXX I purchased airline tickets through company affirm with 3rd party XXXX canceled flights immediately money has been refunded for about 1month and they are still falsely reporting that I owe them money over XXXX $ I've called multiple times they tell me that it will take 3-5 business days since XXXX and still haven't refunded the monies to my account in result my credit score and other things are being affected please help
Product: Debt collection

Collection Company Name : EASTERNACCOS reported to XXXX that I did not paid {$220.00} XXXX. I have called XXXX to send me the invoice or what is the charge. Customer service not able to explain or not able to send me the invoice.Please help me.
Product: Debt collection

They called my work phone 23 times on XX/XX/18
Product: Credit reporting or other personal consumer reports

I have made repeated efforts to contact XXXX by phone, including a call on XX/XX/year> that has lasted 2 hours and 6 minutes ( so far ). 

I attempted to login to the website in XXXX, XXXX, XXXX and XXXX. 

When I have spoken to people at XXXX, they have always been friendly, but the call is then redirected to an " advanced agent, '' to whom I never get to speak. 

Somehow the first debt was removed from my credit report very soon after the debt was forgiven but more than {$67000.00} is shown as active debt. 

Help!
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. 


Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my credit report and i saw that XXXX XXXX or 1st CRD SRVC reported me in collections for {$200.00}. First, I cancelled my membership and now I'm getting collection calls and to make matters worse, this is on my credit report? i never checked into that gym since i told them I'm canceling my membership. We're in the middle of a pandemic and they have the audacity to try to collect and report information. THEY NEVER disclosed at the time of sign up that members will have their credit impacted in the even of default, which in my case, i told them many times i wanted to cancel but i was always advised they needed to have a MANAGER present. i told them i work and by the time i get off, the managers are gone for the day and i live far and i wanted them to cancel my membership. its so inconvenient when you sign up, everyone can help you but the moment you want to cancel, they tell you only a manger can cancel your membership. this is deceptive and brought down my score 40 points! i will never sign go back to this gym. and i will tell everyone in town how deceptive they are when they will impact your credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was enrolled in a covid forbearance for two months XXXX and XXXX of 2020, due to job loss for my two XX/XX/XXXX accounts. I was told the accounts would not report more past due than what they were due to the fore forbearance. Neither account was 30 days past due when I enrolled, so the reps at XXXX XXXX all advised my account would be reported as current. I received a notification, saying my accounts had been reported to the bureaus as past due. One account was reported 30 days past due for {$1.00}. I have spoken to endless supervisors and written letters of dispute to both XXXX XXXX and all three of the bureau. They didnt do a good job investigating this issue, as they responded back a day later saying it is verified. XX/XX/XXXXXXXX claims they opened their own investigation which took a month and advised their investigation was completed and claims I was not enrolled in forbearance when I was since my payment due screen was XXXX. They said the rep I spoke with must of forgotten to enroll me. The bureaus automatically side with the creditor and didnt investigate this properly. I wrote them all a letter and disputed these three collective late payments online. No one will help.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block, inc. ) due to inadequate customer service an unfair practices, which violate the Customer Financial Protection Act ( CFPA ) .specifically, cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable an unprotected.furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have cause significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Debt collection

Resurgent had three collections accounts on its website in my name. I repeated disputed the accounts to no avail. I decided to settle the accounts clean up my credit reports and to move on with my life. 
The accounts are : XXXX XXXX XXXX XXXX ... XXXX ) ; XXXX XXXX XXXX  ( ... XXXX ) ; and XXXX XXXX XXXX  ( ... XXXX XXXX Resurgent offered 85 % discounts on the first two account ( that i did not have to pay ) and 50 % discount on the third account ( that I did not have to pay ). ALL THREE PAYMENTS WERE TO BE COMPLETELY DELETED FROM MY CREDIT CREDIT REPORTS.

Yesterday, Resurgent sent me letters saying that I still owed balances on the three accounts that I had already settled for IN FULL. 

Attached is the letter sent after I paid the third account with XXXX XXXX XXXX  XXXX ... XXXX ) for {$500.00} in which Resurgent stated clearly that it will contact the credit bureaus to DELETE the tradeline associated with the account.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts and inquiries on my credit report under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I have been a victim of a data breach and identity theft, which resulted in the unauthorized addition of the following accounts and inquiries to my credit file : Accounts to Be Blocked and Deleted : XXXX. XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$32000.00} XXXX. XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$1900.00} XXXX. XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$630.00} XXXX. XXXXXXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$340.00} XXXX. XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$00.00} XXXX. XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$3700.00} Inquiries to Be Blocked and Deleted : XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX. XXXXXXXX Date : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXX XXXX. XXXXXXXX Date : XX/XX/XXXX
Product: Credit card or prepaid card

A refund was returned to my American Express gift card in the amount of {$130.00} shortly before the card expired. XXXX of XXXX was suppose to sent it via check in the mail. XXXX stated they have sent the refund on their part. I called American Express and spoke with a supervisor on XX/XX/2020 and I was promised a refund check of {$130.00} by XX/XX/2020. I called American Express on XX/XX/2020 because I did not receive the refund check. I was given the run around and I was told there was not check in the mail by the manager XXXX because the card was expired.
Product: Debt collection

The debt that on the report is not mine. They report the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters to have these collections removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Midland Credit Management XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

My name is XXXX XXXX XXXX. I have recently became guardian over my father, XXXX XXXX and ran across some papers concerning a purchase agreement signed by my parents, XXXX and XXXX XXXX XXXX. My mother is now XXXX. On XX/XX/XXXX, my parents signed a purchase agreement with XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, Alabama. They purchased a XXXX XXXX XXXX XXXX for {$40000.00} minus the {$3500.00} down payment totaling {$36000.00}. The vehicle was financed by Ally Bank, XXXX XXXX XXXX XXXX, MD XXXX. The account number is XXXX. The dealership provided 2 checks to my parents, both dated XX/XX/XXXX in the amount of {$18.00} for Title Fee and {$2100.00} for Sales Tax and both pay to the order of XXXX County Tax Commissioner. Neither of these checks were submitted by my parents because I found them in among my father 's papers. On XX/XX/XXXX my parents each received a reminder bill in the amount of {$550.00} for the XX/XX/XXXX truck payment. The letters were mailed to XXXX XXXX XXXX, XXXX, GA. By this time, my mother had relocated to my home, in XXXX XXXX GA. XXXX shortly after suffering a XXXX. OnXX/XX/XXXX, another letter was sent requesting payment in the amount of {$570.00}. This included a late fee. OnXX/XX/XXXX, a letter was sent to my parents notifying them of a Notice of Our Plan to Sell Property. The letter notified an intent to sell the vehicle in a private sale sometime after XX/XX/XXXX. I would like to know how much did they sell the truck for? I would like to know why did they repossess the truck just after 2 missing payments? I would like to know why the letter identified amount owed was {$1100.00} plus {$27.00} late charges plus {$610.00} retaking and holding vehicle charges totaling {$1700.00}. Yet, on XX/XX/XXXX, a letter was sent to the XXXX, GA address " this is to acknowledge that your above referenced account with Ally has been settled and you are released from any and all obligations. '' The account balance on the letter was {$4100.00}. why? My parents were in no mental condition to sign a huge contract with these two businesses. My parents were over XXXX years old and were clearly taken advantage of. I think that their business practices needs to be examined and any funds should be returned to my father. To sum it up, XXXX XXXX XXXX purchased the truck from XXXX XXXX of XXXX, sold it to my parents, repossessed it after 2 months receiving a down payment and having to pay no taxes and tag fees, then Ally Bank sold it by the third month and for over $ 4K. Is this proper way to do business. Please help.
Product: Credit reporting or other personal consumer reports

Progressive Management Systems are trying to collect a medical debt covered by the " No Surprises Act ''. There has never been a contract for any of this debt.
Product: Debt collection

Called company XXXX XXXX XXXX XXXX on XX/XX/2021 @ XXXX Eastern Daylight Time to make payment or further arrangement and still received no response via letter as requested after discussion promise of response being sent written in the mail. Company needs to follow up on this as I called today ( XX/XX/2021 @ XXXX EDT and the representative continued to press me to disclose the phone number after Midland Credit Management already agreed to send requests and correspondences via mail. Representative continually put me on hold and then eventually hung up after XXXX XXXX of being on hold. Company supervision needs to reach out to me as they have promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

In last three complaints XXXX, XXXX, XXXX XXXX/CITIBANK has not addressed my concern. XXXX/CITIBANK has admitted they had wrong mailing address and wrong contact phone number on their file which is why Plastic cards or statements never delivered. 

XXXX/CITIBANK still not admitting they gave the TEMPORARY CARDS ( with my name ) to wrong person or XXXXs employee misused it. 
CITIBANK or XXXX ( merchant ) has not given me any evidence the temporary card was handover to me. I already mentioned in my last three previous complaints - I applied for the cards but temporary cards were not issued, reason given was computer issues. I need direction from CITIBANK/XXXX to tell me what they need from me to prove that? Isn't the incomplete address/wrong phone number no hint enough on your side.
Product: Mortgage

The previous company that held my mortgage XXXX made an error with my escrow and insurance and set up a payment program over 5 years to amend their error. My loan was transferred to Freedom Mortgage and now they are raising my escrow over $ XXXX. Is there a way to perform an audit.
Product: Debt collection

This company bond to collect in Texas was canceled in   XXXX  , which makes it illegal for them to collect debt.   This company is not bonded in Texas.
Product: Credit reporting or other personal consumer reports

am filing this complaint because XXXX has failed to provide verification for a disputed account on my credit report. Despite multiple requests and more than the legally allotted time under the Fair Credit Reporting Act ( FCRA ), they have not provided documentation supporting the accuracy of this account. 

Account Details : Credit Bureau : transunion Creditor Name : XXXX XXXX XXXX XXXX XXXXXXXX Credotir Name : XXXX XXXX XXXX XXXX XXXXXXXX Creditor Name : XXXX XXXX XXXX XXXXXXXX Details of the Dispute : I initially disputed this account with transunion on [ XX/XX/year> ] and followed up with additional requests for verification. As the FCRA requires credit bureaus to verify and maintain accurate and up-to-date information, I specifically requested proof of the account 's accuracy. However, XXXX has not provided any documentation to verify the accuracy of this account or to demonstrate the method of verification. 

Requested Resolution : Since transunion has not provided sufficient proof within the given timeframe, I am requesting that : transunions updates the account to reflect its current status, or Deletes the account entirely from my credit report if verification can not be obtained. 
Thank you for assisting me with this matter and ensuring that XXXX complies with FCRA regulations regarding accuracy and verification.