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

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

there are inquiries on all my credit reports that were not from me, I did ask the Credit Company to remove them but they said that these things will eventually fall off in 2 years but I told them I needed them off now in order to buy a home. I talked to XXXX and TransUnion to try to get them to take these inquiries off my credit report. 

I called on the week of XXXX XXXX
Product: Debt collection

I received a notice that I owed {$200.00} for an unpaid XXXX XXXX bill from Radius Global Solutions LLC. After hours of attempting to contact XXXX XXXX I finally was informed that not only was I fully up to date on paying their bills, but the account number that was on the collection notice did not match my account number. I called the number printed on the collection notice and they said I had to submit a complaint in the mail and wait 30 days while they reviewed my case. I informed them that the notice was in error, but they insisted that this would move forward and that I would have to take this up with XXXX XXXX. Of course I had already contacted them and they disavowed any knowledge of Radius Global Solutions LLC. I asked if my credit score would be affected and they said " we will have to wait and see. '' I feel like sending them {$200.00} just to make this go away since I have a small business that can't afford any negatives on my credit score. However, this is exactly what this scam is all about so I am reporting it to you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX  and Transunion are reporting incorrectly a collection in the amount of {$10000.00} on XXXX XXXX XXXX original creditor XXXX XXXX WA account number XXXX. ( Please see page attached from my credit report. ) When I initially moved into the apartment I discovered there with two bulging holes in the roof ; along with numerous other defects in the apartment. I immediately contacted the management office and requested they send the maintenance supervisor and a crew member, along with the apartment complex manager, to  investigate the roofing issues, as well as the other defects in the unit. I was assured by the apartment complex manager that these issues would be immediately resolved. The numerous repairs to the unit were never completed. Consequently, I had no choice but to vacate the premises. Due to the numerous repairs that were needed to the unit I was assured by the complex manager that I could vacate the property and that I would be released from the lease and that no collection action would be taken. The apartment complex did not honor their word. The supervising manager fired not only the apartment complex maintenance manager, but the crew member who initially investigated the material defects in the unit. I do not owe any outstanding balance and this false reporting of a collection is seriously harming my credit score. I have tried to contact the management company, as well as the bureaus to remove this collection however, I have not been successful. This line item needs to be removed from my credit report.
Product: Mortgage

I have been denied for modification twice now and not properly reviewed. Rushmore has stated that my DTI needs to be below 35 % and my DTI currently is 34 %. I have appealed twice now breaking down details of my GUARANTEED income versus my expenses, and my debt to income ratio is well in the approved threshold. Rushmore refuses to take into consideration that I get paid in cash from my grandchildren mother, even though she has written a letter, and legally signed it stating she without fault, makes payments to me every month for taking care of them. I would like nothing more than to save my home for me and my grandchildren and be reviewed for a modification and get back on track with my mortgage with payments I can afford. It has been over 6 months that I. have been fighting for my home. As a widow and an almost XXXX XXXX XXXX woman, I would like to be in peace knowing that my home is secure.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX, Transunion and XXXX from in XX/XX/XXXX regarding the incorrect credit hard inquires that are fraudulent/errors/ and are not me. 

XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please help me have them deleted/removed from my credit report.
Product: Credit reporting or other personal consumer reports

I noticed 4 hard inquiries on my credit report ( XXXX XXXX ) that i didnt authorize and i would like them removed and 2 of them are from chase but the inquiries with the dates are ( XXXX XXXX XXXX  ) Inquiry date- XX/XX/year> ( Amex ) inquiry dateXXXX ( XXXX XXXX XXXX  XXXX Inquiry date- XXXX ( XXXX XXXX XXXX  ) Inquiry date XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally file a complaint regarding multiple unauthorized inquiries that have appeared on my credit report. I suspect that these inquiries may be a result of identity theft. Despite my efforts to address this issue with the credit reporting agencies and the involved parties, the matter remains unresolved. 

Upon reviewing my credit report, I discovered several inquiries that I have not initiated and have no knowledge of. These unauthorized inquiries include XXXX XXXX XXXXXX/XX/XXXX ( Transunion Inquiry ) XXXX XX/XX/XXXX ( Transunion Inquiry ) XXXX XX/XX/XXXX ( Transunion Inquiry ) XXXX XXXX XXXXXX/XX/XXXX ( Transunion Inquiry ) I am concerned that my personal information may have been compromised, leading to unauthorized access to my credit history.
Product: Mortgage

On XX/XX/XXXX of this year I transferred money from my bank of XXXXXXXX XXXX to Carrington mortgage services their Bank was XXXX I transferred {$3300.00} on XXXXXXXX XXXX business days later they stay they still have not received the funds I've already confirmed with my bank that the funds have been received I can confirm with an XXXX number and confirmation number that their bank has received the funds of initially did all the leg work for them I've contacted Carrington mortgage services and asked if they could please update my account to prove that the payment has arrived or if they could verify the payment is in their account they seem to be unaffected and verifying this and unhelpful. I spoke to an agent ID number XXXX they're escalation agent was unhelpful to be honest I already did the work to verify the funds have been transferred to their account but they seem to insist that I should wait longer and that they never received the funds I've already contacted my bank to look into this further but this is something that is makes me feel very uneasy for my mortgage company to think that's customer service.
Product: Mortgage

I believe I am a victim of predatory lending because of my race ( XXXX ) and my geographical location. I was given a high interest and excessive points when I was approved for my home loan. American Servicing Company is my service provider for wells fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo checked my credit XX/XX/2021 and I did not authorize them to do so. It is on my credit report. I have no credit cards nor loans with Wells Fargo. I have not applied for anything at Wells Fargo. 

Last updated Today Credit Alert New Inquiry Wf Crd Svc XX/XX/2021 from XXXX
Product: Mortgage

I have my Home Point Financial account setup on automatic ACH and have plenty of money to pay my mortgage, Home Point Financial has internal issues and is not taking payment after repeated calls and me providing the ACH information again and again.

- XX/XX/XXXX no ACH payment deducted from my account - XX/XX/XXXX start getting letter demanding to payment - XX/XX/XXXX get a letter saying sorry our system had issues, we have rescinded bad credit notices from bureaus - XX/XX/XXXX start getting repeated automated calls from homepoint - XX/XX/XXXX talk to a person who says we need your ACH again, very odd call almost felt like a scam. Told me they would process the payments.

- XX/XX/XXXX no ACH payments for XX/XX/XXXX or XX/XX/XXXX - Get more threatening notices, if I don't respond by XX/XX/XXXX we will terminate your loan.

- Call in XX/XX/XXXX to say WTF is going on, the person responds oddly and says we need to move your mortgage do you agree. I continue to question them, they say the prior ACH request was done to early which is why it didn't go through. I very upset say I don't know what you guys are doing but this is all on your end and why are you sending letters, messing with my credit, and stressing me out for no reason. She promises me this time the ACH will go through and it did.

- XX/XX/XXXX I get an envelope with hardship letters, etc and they say please file by XX/XX/XXXX to save your mortgage. 

Avoid this company at all costs.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

Capital one has been holding my check from me since Tuesday I work overtime for this check and its gone in a matter of minutes
Product: Credit reporting or other personal consumer reports

PLEASE BLOCK AND REMOVE I urgently implore you to take immediate action to eliminate the fraudulent inquiries from my credit report. These unauthorized inquiries are causing me significant distress, as I didn't give permission for them. It's unfair for me to bear the burden of responsibility for these accounts, which I didn't initiate or approve. I urge you to address this matter promptly.
Product: Checking or savings account

Chime bank dispute claim id XXXX My mobile device was stolen on XX/XX/20. 
Was reported stolen and service suspended next business day on XX/XX/20. 
On XX/XX/20 I attempted to login to my Chime account via alternate device using WiFi. Access was denied because I had two factor authentication synched with original mobile which was stolen. 
On XX/XX/20 with the help of Chime agent, We changed the contact number in Chime account to the temporary WiFi number so I could gain access. 
On XX/XX/20 Chime support responded back saying they'd updated the number. 
So I logged in right away. 
That's when I noticed the fraudulent transfers that Im disputing. 
How it was done is really not up to me to determine. I just want the funds that were stolen from me. Though it may not seem like a lot if money, It's important to me and I will take the necessary steps to see that it's returned. I am in no position to just give money away.

My suggestion is for our investigative team to due diligence and take a closer look perhaps at the digital footprints that all transfers leave. I would imagine by using some sort of algorithm they should be able to track exactly what account it went to and taking it a step further to check for similar suspicious activity on that account. This is Bank Fraud. This is also my way of assisting the investigation by providing logical information. There is no way I could have done the transfer because I was locked out of my chime account when the theft happened. .All they have to do is look closer at the timestamps in which I interacted with the Chime agents to see this. Right is right. I want my money back and shouldn't be forced to have to open another bank account elsewhere. Now I have also been finding multiple reviews that had similar situations in which Chime is refusing to acknowledge stolen money from account and replace the federally insured funds for it's customers. 
If someone steals your money, you should be able to recover it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple CFPB complaints I sent to the 3 Credit Bureaus, my request for proper verification and deletion of the fraudulent acccounts on my credit reports has been ignored. The last letter I sent to XXXX, Equifax, and XXXX Credit Bureaus was dated XX/XX/2022, but no Response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. Their willful non-compliance has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following Fraudulent Information listed below are still reporting on my credit report and have caused a large decrease on my credit score. I am hoping that you may be able to help me and have these items deleted as soon as possible. Under the FCRA section 605b, I am requesting that you remove the following fraudulent accounts completely from my Credit File : EQUIFAX : XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$75.00} XXXX XXXX Balance Owed : {$1400.00}
Product: Credit reporting or other personal consumer reports

XX/XX/year> Equifax XXXX XXXX XXXX, XXXX, GA XXXX Subject : Formal Dispute of Collection Account on Credit Report Dear Credit Bureau/Agency , I am writing to formally dispute the accuracy of the collection account entry listed on my credit report for the XXXX XXXX  account number XXXX. I request that this collection account be deleted from my credit report in accordance with the provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and relevant U.S. tax laws.

Upon reviewing my credit report, I discovered that this account is marked as a collection, which negatively impacts my credit score. Under U.S. law, specifically 26 U.S.C. 61 ( a ) of the Internal Revenue Code, any amount written off by the creditor is considered taxable income to the debtor. This means that once a debt is transferred to a collection agency, the original creditor has effectively discharged the debt, and the amount should no longer be considered an ongoing obligation. As a result, the col-lection balance should not be reflected as a valid debt obligation on my credit report.

Based on the above, I respectfully request that you delete this collection account entry from my cred-it report for the following reasons : 1. Collection as Income : According to 26 U.S.C. 61 ( a ), when a debt is transferred to a collec-tion agency, it is considered income to the debtor for tax purposes. This means the collection is no longer a legitimate debt, but income written off by the original creditor. Therefore, it should not continue to appear as an outstanding balance on my credit report.

2. Inaccuracy Under the Fair Credit Reporting Act : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am entitled to an accurate and complete credit report. Since a col-lection represents income and not a debt, keeping this entry on my credit report as a negative mark is inaccurate and should be removed.

In light of the above, I request that you conduct a thorough investigation and delete this collection account entry from my credit report if the information can not be verified as accurate or if it is inconsistent with the provisions of the Fair Credit Reporting Act and relevant XXXX tax law. 
Please provide me with written confirmation of the results of your investigation and any actions taken regarding this dispute. If you are unable to verify the accuracy of this information, I expect it to be promptly deleted from my credit file. 
Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I was astounded and disheartened to discover that credit inquiries were being conducted without my consent. I have attempted to obtain the following information from the creditors ; however, they have neglected to respond. Details of the XXXX : Request that the creditor furnish specific information regarding the inquiry, including the date of its initiation, the purpose of the inquiry, and the credit product or service that is associated with it. Application Documentation : Obtain copies of any credit applications or other documents that are pertinent to the inquiry. This XXXX encompass disclosures, agreements, or application forms that you would have completed or received during the credit application process. Documentation of Authorization : Request that the creditor furnish evidence of your authorization for the inquiry. This XXXX encompass signed consent forms, agreements, or disclosures that serve as evidence that you authorized the creditor to access your credit report. Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. The documentation of your interactions with the creditor XXXX encompass emails, letters, or notes. Internal Records : Request that the creditor furnish internal records or notes in connection with the inquiry, including any decision-making processes or rationales for initiating the inquiry. Identity Verification : Prior to commencing the inquiry, request that the creditor implement verification procedures to verify your identity in the event that identity theft is a concern. This XXXX involve the verification of personal information or identity documents submitted during the application procedure. Documentation of Compliance : Inquire about the creditor 's adherence to pertinent laws and regulations that govern credit inquiries, including the Equal Credit Opportunity Act ( ECOA ) and the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified accounts that are reporting late payments inaccurately and I want to dispute the inaccuracy of these accounts. I have contacted the banks related with these accounts, and they have confirmed that the late payments were errors and have agreed to update my accounts and take off the late payments. I would like to convey to your attention that other credit bureaus have already corrected these accounts on their end. Therefore, I kindly petition that you update my credit report to reflect these corrections. 

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

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XXXX XXXX  XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

After my first complaint, XXXX ( Legal Manager ) from Great American Finance contacted me and tried to brush off the complaint. She let it slip that others are having just as much difficulty as I am understanding the account portal. I am still under the belief that they are violating 1026.7 Comment 7 ( b ) -1.ii of the truth in lending act regulation z. The account balances in the account portal are those with interest rates. I am on a deferred interest plan. Per the regulation above they must list the balance that the deferred interest is applied to. I, among others have submitted complaints against this company. I asked XXXX for statements. She said no. I asked for new coupon book, she refused. I asked for updated portal, the portal is still not updated. my 18th month is coming up and i should not have to over pay and get a refund 30 days later just because they don't want to list the deferred interest balance. How is this legally allowed to continue. I was told by CFPB that I since I refuse to accept their answer of not updating portal in timely manner, I can just keep making complaints. That is fine with me. If they are committing an illegal action above, I want them investigated. I attached what the portal looks like for me. The balance includes interest rates that I don't owe but there is a fine print statement that says the balance is accurate as long as good faith payments are made. That is false advertising.
Product: Debt collection

JEFFERSON CAPITAL SYSTEM has not validated the debt and the debt does not belong to me. JEFFERSON CAPITAL SYSTEM is in violation of the Federal Debt Collections Act pursuant to 15 U.S. Code 1692b - Acquisition of location information : Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; JEFFERSON CAPITAL SYSTEM please Cease and Desist pursuant to Federal Debt Collections Act 15 U.S. Code 1692c - Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; Immediately remove the collection account from my credit report or I will pursue legal action. JEFFERSON CAPITAL SYSTEM has not validated the debt and the debt does not belong to me.