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

To Whom it May Concern, I have recently obtained a copy of my credit report that reflects a credit inquiry made by your company that I do not recall authorizing. 

This letter is your formal notice to remove the unauthorized hard inquiry your organization has made to my credit report. This is also a formal request for you to immediately contact the credit reporting agencies and credit bureaus, to have this unauthorized inquiry removed. 

To the best of my knowledge, I did not sign any documents authorizing your organization to view my credit history. As such, your inquiry violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions not initiated by Consumer.
Product: Credit card

I rented an apartment in XXXX from XXXX - XXXX of this year. I paid for this with a credit card and including a deposit. I was supposed to get my deposit back, however, the rental company is saying there were XXXX XXXX in the unit and is refusing to give my deposit back. The same company is also causing issues with someone else I know and not returning their deposit. I think this is a scam and I was hoping Barclays would have my back. I have spent nearly {$200000.00} with them in the last year alone without even XXXX missed payment or any prior disputes. Barclays has been slow to respond to my dispute and I have inquired about dealing with my case XXXX by email to no avail. I have had to fax in documents, which I have done. I am just hoping to get this resolved soon and hoping that Barclays can help me stand against the rental company with shady business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a new car loan in XX/XX/2019 with XXXX XXXX. I got behind on one payment in XX/XX/2019 by a few days on it and they ended up putting a 30 day late on my credit reports. I called and asked them if they would remove the mark on my reports after I paid it as soon as I could after I switched my accounts due to issues with my bank account and having my direct deposit transferred timely with my employer the XXXX  XXXX  XXXX  to my new account. They were rude and refused to do so, even though I have proof from online that they have done it for others in the past. Then they did not even report my XX/XX/XXXX and XX/XX/XXXX payments I made on time after that, showing NA on my credit reports. I contacted the credit bureaus and they contacted them supposedly but still have not fixed all. I was only late on the one payment and expect all other payments to show paid as agreed!! This is what they are showing on my reports and the company information, there is a green check mark over each month ( which did not copy with the information ) for XXXX XXXX XXXX, until you get to XX/XX/XXXX, then it says 30 over the XX/XX/XXXX pmt then NA over XX/XX/XXXX and nothing over XX/XX/XXXX which I also have already paid, all payments were made on time, except XX/XX/XXXX so all payment from XX/XX/2019 to today should show a green check mark and paid on time except the one only, they are intentionally not reporting to get back at me and try to make me look bad, it also says customer disputes account, which I have no idea what that is, I disputed how they were reporting. If these companies can not report my information correctly they need to be shut down, they have no business being in business if they can not complete a simple thing like this!!!! Please enforce the laws!!! 

XXXX XXXX Payment Status On Time Amount Past Due {$0.00} Payment History 1 Late Payment 2019 30 N/A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$22000.00} Date Opened XX/XX/2019 Account Type Auto Loan Term 48 Months Min. Monthly Payment {$590.00} Highest Balance {$25000.00} Responsibility Individual Account Disputed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I am writing to disputed Acoount on my credit report that were made withot my consent. According to section 604 of the FAIR CREDIT REPORTING TO SECTION ( 156 U.S.C 168 1B ), THERE ARE SPECIFIC PERMISSIBLE PURPOSES for obtaining A CREDIT. I did not authorize these account and can not find any permissible purpose under this section that justifies their presence on my report. hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Bankruptcy account was closed and paid still showing open, please remove
Product: Credit reporting, credit repair services, or other personal consumer reports

As mentioned in attached FTC Report, Number XXXX, I learnt that XXXX chose to reopen an account that was closed since XXXX. XXXX, XXXX and close it as fraud today. I do not know the reason since I never reported any fraud on the account, as the account was paid fully, in good standing, and I initiated the closure in XXXX. XXXX because I did not want to have a XXXX credit card anymore. Further I never reported any fraud or dispute on the account ending in XXXX ever. So, there is no reason for XXXX to reopen the account without my knowledge to close it as fraud. 
Also, XXXX had reported the account as Paid / Closed, Closed by Consumer as it should be, since the closure on XXXX. XXXX, XXXX. 
If XXXX modifies the reporting on the closed account ending in XXXX, please block the modified reporting as it fraud by XXXX. 
I appreciate your assistance with this request. If you have any questions, please reach out to me at the above address.
Product: Credit card or prepaid card

In late XXXX I received a Wells Fargo credit card in my name that I did not apply for. I called the same day using the numbers listed on the cover page. The representative I spoke with said she needed my SSN which I did not feel comfortable giving her so I did give her the credit card number and my name. She said there was nothing found in the system for that card. I then asked her about it being a fraudulent card and she said she would send me a fraud application which I never received. Weeks later on XX/XX/XXXX I received another piece of mail about having a Wells Fargo Everyday Checking account that I did not apply for. It said there ( luckily ) was a XXXX balance but that there would be fees for a XXXX balance. Please help me with this fraudulent account. It needs addressed and closed
Product: Debt collection

I was the victim of identity theft, my personal information was stolen in a breach and used to open multiple accounts without my permission nor knowledge. These accounts include an XXXX, XXXX, XXXX etc ....
Product: Credit reporting or other personal consumer reports

Please accept this letter as my formal writing request for the following items on my credit report to be investigated.

According to the Fair Credit Reporting Act 15 U.S.C S 1681 Section 611 ( a ) ( 1 ) ( A ), you are required by federal law to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file before the end of the 30 day period beginning on the date you received this notice.

I demand to see Verifiable Proof ( This should be hard evidence that goes all the way back to the original creditor, not verification from a third-party database. ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately : Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : KXXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX XXXX Account # : XXXX
Product: Mortgage

My loan servicing company ( Specialized Loan Servicing or SLS ) failed to pay my taxes from my escrow. The taxes were due on XX/XX/19. I called them on XX/XX/19 to ask why they haven't paid my taxes. They said they would open a case and to give them 10 days. I called 10 days later and they said they paid them. We are almost one month after my first call and they say they have paid the taxes. Also, there is now a late fee. Even if they did pay the taxes and " the check is in the mail '', there's still a late fee. If the late fee isn't paid, I'm still delinquent. SLS is now saying it will take another 10 days to investigate. I'm nervous and stressed. It feels like they are giving me the run-around. Their phone number is XXXX.
Product: Credit reporting or other personal consumer reports

Cease and Desist Communication Regarding Collections/Charge off Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to formally request that you cease and desist all communication with me regarding the debt.which you claim I owe. This letter is not an admission of any liability for this debt but a request for you to halt all communication concerning it.

According to my records and the relevant statutes of limitations, this debt has been charged off, and it is no longer legally collectible. Furthermore, any attempt to collect or re-age this debt is in violation of the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws.

Therefore, I insist that you : 1. Cease and desist all written and verbal communication with me, my family, or my associates concerning this debt.

2. Stop reporting this debt by all credit reporting agency and request for deletions From original creditors.

3. Do not sell or transfer this debt to any other third party.

4. Provide written confirmation, within 30 days of receiving this letter, that you have ceased all collection activities related to this debt. 

Please consider this letter as a formal warning that I am aware of my rights under the FDCPA, and I am prepared to take legal action if you do not comply with this request. 

I request that you send all further correspondence related to this matter, including the confirmation of cessation, and deletion. 

Your immediate attention to this matter is expected and appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I went to see about a vehicle though XXXX XXXX and I gave them permission to run my credit once. After a week I seen so many hard inquiries and I was calling and writing companys saying I didnt give you all permission to pull my credit. They said well XXXX XXXX said to pull it. I asked them if they could take this off since I didnt ask them to pull my credit and they stated yes. And I have looked and everything is still in there. In may I purchase a car through down XXXX and got approved from there company called allied auto financing. There should be only that and XXXX on my hard inquiries and there is XXXX. Im being hurt by all this credit issues
Product: Credit reporting or other personal consumer reports

As per the Fair Credit Reporting Act, Section 602 ( a ) of 15 USC 1681 emphasizes the importance of ensuring that consumer reporting agencies carry out their significant duties with fairness, impartiality, and a regard for consumers ' privacy rights. Equifax, XXXX, and XXXX operate as consumer reporting agencies, and I, as a consumer, hold the right to safeguard my private information, supported by 15 USC 6801, which underscores the obligation of financial institutions to uphold customer privacy and safeguard nonpublic personal information. Under Section 604 ( a ) ( 2 ) of 15 USC 1681, it is outlined that consumer reporting agencies can only furnish consumer reports upon the explicit written instructions of the relevant consumer. Neither the financial institution nor the consumer reporting agencies, Equifax, XXXX, and XXXX have my consent to furnish this information, as reiterated by 15 USC 6802 ( b ) ( c ), which mandates that financial institutions must inform consumers of their right to opt out of information disclosurea right that was not communicated to me by the furnisher of information. Moreover, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information in consumer reports without proper authorization, a provision violated in this instance. Additionally, 15 U.S. Code 1681s-2 ( A ) ( 1 ) prohibits the furnishing of inaccurate consumer information, and 15 U.S. Code 1681e mandates consumer reporting agencies to maintain reasonable procedures to prevent violations and limit the furnishing of consumer reports for specific purposes. Equifax, XXXX, and XXXX are failing to uphold these standards. Furthermore, as stated in 12 CFR 1016.7, consumers retain the right to opt out at any time, a right I am now exercising with regards to your reporting services.
Product: Debt collection

I have a parent plus loan with XXXX/Sallie Mae that my daughter neglected to pay. When I found out I started paying {$86.00} a month. Approx. 2 years ago, XXXX called me saying it was n't enough & I was just paying off the interest. I told them I could n't pay much more than that. They asked for {$120.00} a month. It was a struggle but I am paying that much monthly. Now they raised the amount to {$240.00} a month which I can not pay so I have been paying the {$120.00} a month instead but they do n't like it. They continually harass me by phone ( I have proof on my cell phone ) even though I am still paying & now they are charging me astronomical charges because I am not paying what they want me to pay.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXConsumer Financial Protection BureauXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear CFPB, XXXX : Complaint Regarding Unauthorized Hard Inquiries on My Credit Report** I am writing to file a formal complaint against the inclusion of unauthorized hard inquiries on my credit report, which I believe constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b. 

**Details of the Complaint : ** Upon reviewing my credit report from [ Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX, I discovered the following hard inquiries that I do not recognize and did not authorize : XXXX. **Inquiry Date : ** [ XX/XX/year> ] **Inquiry Company : ** [ XXXX XXXX XXXX XXXX Reporting Agency** XXXX TransUnion XXXX XXXX. **Inquiry Date : ** [ XX/XX/year> ] **Inquiry Company : ** [ XXXX XXXX ] XXXX Reporting Agency** XXXX TransUnion XXXX XXXX. **Inquiry Date : ** [ XX/XX/year> ] **Inquiry Company : ** [ XXXX XXXX ] XXXX Reporting Agency** XXXX XXXX XXXX XXXX. **Inquiry Date : ** [ XX/XX/year> ] **Inquiry Company : ** [ XXXX XXXX ] XXXX Reporting Agency** XXXX XXXX XXXX **Violation of the Law : ** Under the FCRA, XXXX XXXX Code XXXX, a XXXX reporting agency may furnish a consumer report only under specific circumstances, such as with the consumer 's written authorization or for certain permissible purposes. These inquiries were made without my consent or knowledge, which is a clear violation of the FCRA. 

The unauthorized access to my credit report has negatively impacted my XXXX XXXX and caused me significant distress. I have not applied for credit with the above-mentioned companies, nor have I given permission for them to access my credit report. 

**Request for XXXX : ** I request the CFPB to investigate this matter and ensure the immediate removal of these unauthorized hard inquiries from my credit report. Additionally, I seek assurance that corrective actions will be taken to prevent such violations from recurring. 

With this Complaint are copies of my credit report highlighting the unauthorize inquiries, along with a copy of my identification for verification purposes. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I have been trying to reset my password to access my account for 2 weeks now. I am unable to reach American Express Bluebird on the phone. When I call it says my social security number is not found then the call ends. 
I have tried to request a password reset email numerous times and have not received it. 
I am not given an option to speak with a customer service representative. When I select " 0 '' the call ends.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is stating that my XXXX 2014 payment for the mortgage account XXXX with XXXX XXXX XXXX was 30 days past due. XXXX XXXX XXXX previously listed the payment due that month as past due incorrectly, but I worked with them to have the error fixed through a CFPB dispute earlier this year. I have a letter from XXXX XXXX XXXX that clearly states that this payment was not late - and the other two credit bureaus removed the late payment from my credit report, Experian is the only company that still shows this payment as late.
Product: Checking or savings account

I had a checking account with the US Bank. A the end of this XXXX, I experienced a check forgery. When I sold my car, the guy who bought my car stole my check and counterfeit my signature and made himself {$2500.00}. When I checked my account on XX/XX/XXXX, I found the forgery check posted on my account, and then I reported to the US Bank immediately. On XX/XX/XXXX, the US Bank sent me some forms to file. I also reported it to the police office. 

I submitted the required documents by following the instructions of the US Bank. After that, I called the US Bank about every two weeks to check the status of my case. During this period, the US Bank did not contact at all. On XX/XX/XXXX, when I called them, they told me that they have finished the process of my claim, my claim has been denied, and they refused to reimburse me the {$2500.00}. 

At the same time, the police officer finished the investigation of the case. They found the criminal and obtained the original check, financial documents, and the video of the suspect depositing the check into his checking account as evident. So everything is clear. But the US Bank refused to take their responsibility to reimburse me the {$2500.00}. So I hope to complain the US Bank.
Product: Debt collection

Opened XX/XX/2020 Vance and Huffman LLC requesting debt of XXXX dollars to be paid. The debt does not belong to me, no written notice within 30 days no verification provided of debt, and was added to my personal credit report I am requesting removal of debt from personal credit report as I am not liable for XXXX XXXX XXXX debt. Vance and Huffman LLC have not provided me with any information Within five days of obtaining my information contacted me with written notice of the debt, the amount of the debt the name of the original creditor to whom the debt is owed or a statement describing my right to dispute the debt only added a collection to credit report. Utilized false statements of contractual obligations ruining my credit rating without legal authority to do so and intend to do so.
Product: Credit card or prepaid card

Sir or Ma'am Capital One Case number XXXX./Case number XXXX {$47.00} Credit Card Company Capital One was was notified XX/XX/2021 via phone and fax that I did not start my business and cancelled coverage with XXXX XXXX. I provided notifications with copy of Policy Cancellation XXXX via fax number XXXX, disputing {$90.00} charge XX/XX/2021. 
I don't agree with XXXX XXXX allowing XXXX XXXX to continue to charge my new card last four XXXX. Also I did not provide new card number to XXXX Insurance. Capital One arbritarily still allowed XXXX XXXX to charge the new card. 
Capital One indicated they would place a merchant block for future transactions which they did not place a block. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi    XXXX   got my wrong date of birth from some sources.     To correct it I have sent  two  documents  ( DL & SSN ) to    XXXX   on  XXXX   XXXX .     They confirmed over the phone they will update withi n 48 hours but after even one week they have not updated my DOB their customer service has no tractability about all the docu ment and they are completely clueless why they have not updated my DOB.       As a result, a result whoever need my credit report they are geeting wrong info and I completely screwed up.     Please help me to resolve this issue ASAP.     With Thanks  XXXX   XXXX
Product: Credit card

So right after I was approved for the XXXX I opened the box to see my new card. Six hours later all my chase cards in my XXXX were deactivated. I then called the number on the back of card to find that all my accounts were closed!!! So you approve me for a card and then you close it out after I activate the card?!?! I called and spoke with a represintive and she said that the accounts were closed because I 've opend to many accounts within the last 12 months but I would n't have applied unless I knew I could pay down the balacnce and would have never applied for the XXXX if it was going to result in a closure. Rep was n't having it, now that i look back she was kinda rude. Anyways was told that I can call back within 6 MONTHS to see if they would reinstate the accounts. So XXXX are out of commition untill further notice. WHat do I do to make sure that they are n't permantley closed. My scores are XXXX across the board and I am under 30 % utilization on all my cards. No other lender I use XXXX, XXXX or XXXX have done this they have actually increased my credit limits and lowered my interest rates with out me requesting. I 've heard some stores of customers going through similar situations and getting their accounts reopened so I still have the cards they close with little hope Chase will maybe reopen them while I continue to make payments to prevent a permanent closure and others are just telling me all the more reason to hate America 's biggest bank.