23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have requested a modification from XXXX XXXX, but the company will not process it. Please see correspondence from our lawyer to counsel for XXXX XXXX on XX/XX/2022 : XXXX XXXX, As this chain of emails show, we have repeatedly requested information about our client, XXXX XXXX, and his ability to get a modification. Is there something missing that we can provide you? At best, you have told us you would " email '' your client. Our understanding of the federal rules is that we are supposed to get prompt responses regarding modification. Have you made your client aware that our client 's application for XXXX funds is pending? Please do not just send us another email that states you have forwarded something to your client. Also where are we in the modification process? If we do not get proper responses within 5 days, we plan to file a Consumer Financial Protection Bureau complaint against your client. Thank you for your kind attention. 

We want the bank to process our loan modification. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

inquires on my report that i did not give consent to pull. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Also my name is incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Also the following inquiries are unauthorized fraudulent inquiries. Please investigate and remove immediately. XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Product: Credit reporting or other personal consumer reports

I am REWRITING to formally resubmit the complaint to EQUIFAX regarding inaccuracies in the reported data on my credit file and you are not taking action of removing them in my credit reports. The information in question is not verifiably compliant, proven valid, or fully documented as true and physically verified. My name is XXXX XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. My date of birth is XXXX, and the associated FTC report number for this complaint is XXXX. I have identified potentially false and unverified inquiries and accounts on my credit file that lack proper authorization from me. As a consumer, I am well within my federal and state consumer and civil rights to insist on the prompt removal of these items. I am initiating this consumer complaint and compliance check to address specific items being reported under FACTA Title 1 sec. 151, which unequivocally requires a thorough examination of the process. This serves as a formal dispute of information and reporting.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report, in violation of federal law. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. XXXX XXXX Balance Owed : {$44000.00}.
Product: Debt collection

This credit card was opened in XXXX as a secured card to help build credit history. It had a {$200.00} limit. While traveling to XXXX XXXX, I had stayed at a hotel and ordered room service. The food arrived raw, so I reported to the manager that I would like to send the food back and requested a refund. The manager assured me she would take care of it. When I got back from my trip, I noticed after a week or so the refund was not made so I called the hotel and they told me that the manager I spoke to no longer worked at that location -- apparently that was her last day and she had transferred to another hotel in another city. They said they would look into and get back to me. I then decided to call the credit card company to explain to them that this was an incorrect charge that should have been refunded, they also said they would look into this and get back to me. When I got my credit card bill I noticed they had charged me late fees, so I called them back and explained what was going on and they said they would investigate and get back to me. The next bill came and now they were trying to charge me over {$500.00} on late fees for less than {$200.00} that should have been removed/refunded months ago. Unfortunately, my father had passed away around this time and I was not able to follow-up continuously, the next letter was informing me that the account had been charged off ( I had been previously waiting for them to correct the charges and adjust the fees ) and now a third-party collection company -- PORTFOLIO RECOVERY -- was holding the debt and I had to speak to them directly. I sent letters to them and the credit bureaus again disputing the charges and explaining why this should have never happened, yet XXXX years later they continue to be the ONLY delinquent/derogatory mark on my credit report and keeping me from being able to build my credit that I now need for serious medical emergency. Could you please have this removed my credit report and have my name/credit reinstated as it should reflect given the circumstances. 

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

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Consumer Loan

Company rep contacted me at work. We are unable to accept personal calls and even after being told so, she continued to harass staff and insisted on leaving her name and contact number. 
Her name is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES. KEEP IN MIND THAT THOSE ACCOUNTSDOES NOT BELONG TO ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is manipulating by adding and subtracting over {$12000.00} in student loans. The fluctuated this large amount a week apart- even though I haven't recently attended college.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XXXX of XX/XX/XXXX I filed a dispute with this credit bureau about the unverified account XXXXXX/XX/XXXX Account number XXXX and XXXX XXXX XXXX Account number XXXX and XXXX. In those 2 months I have asked numerous times for a response and I have not received anything in response from these bureaus in over 60 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these 3 unverified accounts as of today. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS REVIEWING MY CREDIT REPORT AND I SAW ACCOUNT WHICH IS NOT MINE. 
I BELIEVE, THAT SOMEONE USED MY INFORMATION AND APPLIED FOR THIS. I DON'T HAVE ANY SIGNATURE OR AGREEMENT WITH THIS COMPANY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 I sent letters to XXXX  and Experian stating the information that they are reporting is inaccurate and it needs to be removed according to the FRCA section 611 ( a ) ( 1 ) ( A ) and they have yet to remove the public information. on XX/XX/2020, I contacted the United States Bankruptcy and they have informed me that they did not violate the FEDERAL PRIVACY ACT of 1974-5 U.S. CODE section 552a. they did not disclose my information to an credit agencies. Also these bureaus are in violation of FRCA section 609 by not providing me with verifiable proof of any original signed contracts bearing my signature as required by federal law. which was sent to them. they have also exceeded the time allotted by law to remove these items off my credit file
Product: Credit reporting 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 XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX 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 card or prepaid card

Name is XXXX XXXX live in XXXX, ga XXXX. Somebody hacked my bank account information I ordered on a food app called XXXX  and right after it show unauthorized atm transactions in XXXX XXXX   Florida when I never went there before nor made those transactions. I tried to dispute claim with bank and was denied because they said there was no error in which there was an error because I dont live in Florida never been there and was at work while this happened and bank is refusing to give me my money. I contacted merchant that shows on my bank account summary and she said somebody must of hacked my card information and made a fake card but the bank is still saying I was in Florida when I was never there plus the bank blocked my card and notified me for suspicious activity and advised to me that Im at a loss and they cant do anything for me even though they said its error and i live in XXXX  ya, first transaction was XX/XX/2019 {$400.00} & {$200.00}
Product: Credit reporting or other personal consumer reports

XXXX, Experian, XXXX continue to report an allege bankruptcy that they do not have permission to report on my credit file. The credit bureaus sell information for profits to other third party companies but I hold legal and equitable title to my name and all rights to my personal information. The bankruptcy courts do not verify this information and the credit bureaus gather information from various other businesses to produce these consumer reports however I do not give any credit bureau consent to gather any such information on me and release it. This is putting me at risk of my information being hacked and sold on the black market. Each credit bureau has already been involved in multiple data breaches and can not be trusted with my private information.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. CITI CARDS CBNA Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX CARD Inquired on XX/XX/XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
Product: Credit reporting or other personal consumer reports

XXXX of my accounts has already been deleted by you, but there is still an account with inaccurate information, which harms my credit report, the account is XXXX the XXXX which appears as sold to another lender, without having any knowledge of it nor do the credit bureaus show what has been the final destination of this account, leading to my data and financial information being in the hands of another institution which I do not know and without my previous knowledge
Product: Credit reporting or other personal consumer reports

I Recently reviewed a copy of my credit report and noticed I had fraudulent account on my report. Please remove this account from my report. They are hurting my ability to obtain credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Subject : Request for Removal of Fraudulent Information from Credit Report To Whom It May Concern, I hope this message finds you well. I am writing to formally request the removal of certain items from my credit report due to identity theft. My name is XXXX XXXX, and I have been a victim of fraudulent activity, with the charges in question not having been made by me. I have reported this incident to the Federal Trade Commission ( FTC ), and I am submitting a copy of the FTC Identity Theft Affidavit for your review and records. In light of this, I kindly request that the fraudulent items be removed from my credit report promptly. I appreciate your attention to this matter and trust that it will be resolved in a timely manner. Please do not hesitate to contact me should you require any further information or documentation. Thank you for your understanding and cooperation. Sincerely, XXXX XXXX Credit Card Opened by the XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying XXXX using a XXXX party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or XXXX party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX  XXXXXXXX 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 XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out a letter on XXXX XXXX XXXX. My tracking number is XXXX to remove my personal information that i dont want on my credit report. According the Fair Credit Reporting Act 12 USC 1681, i have a right to privacy. Also, according to 15 USC 6802, no financial institution is suppose to share my information to a third party. These are clear violations of my federally protected consumer rights.
Product: Credit card

These accounts represent a clear breach of contract and are fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The accounts are : CITICARDS CBNA XXXX & CITICARDS CBNA XXXX
Product: Debt collection

I originally reached out to figure out a way to start making payments when I got money, that was a week ago on XX/XX/XXXX. They reached out today XX/XX/XXXX asking why I havent yet I informed them I havent been paid yet due to holidays they said I was giving excuses and then they threatened legal action on me
Product: Credit reporting or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Equifax ; XXXX and XXXX are incorrectly reporting me as an Authorized User on the XXXX XXXX partial account number ****XXXX. ( Please see page 2 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. I have contacted the bureau to fix this issue however, I have not been successful. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX XXXX Date Opened XX/XX/2014 Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I stopped by XXXX XXXX ( XXXX, XXXX, XXXX ) Dealership. I test drove a car and the sales rep was being very pushy about working numbers out even though I told him I was just looking around at several dealerships. Since they were about to close, he asked me to fill out the top of a form for his supervisor to show me some numbers without running my credit score and that he would call me back on Monday. 10 minutes after I left the dealership XXXX notified me XXXX XXXX 2 had added an inquiry to my report. On the morning of XXXX, XX/XX/2019, six more inquiries were added to my report from XXXX XXXX NEW ACCT XXXX., XXXX XXXX FLAGSHIP CREDIT ACE., and others. Later that day the sales rep called me to inform me I was approved for a loan of {$20000.00} and I confronted him about all the reports, and all he said was that in order to show me accurate financing numbers his supervisor had to run my report ( even though I had not authorized it ).
Product: Checking or savings account

Discussed their withdrawal procedures multiple times and yet the vast majority of their transactions dont process without manual review that takes an additional 3 days beyond the actual deposit hold. 

They fall back on their right to do this but this is not the experience that Ive ever experienced with any other savings back. 

A search of the internet shows this is prevalent and unique to Apple Card savings and speaks to some more fundamental issues at XXXX
Product: Credit reporting or other personal consumer reports

I did not authorize these inquiries on my Equifax report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX