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

I am writing to dispute a hard inquiry listed on my credit report. I have no association with the listed creditors and did not authorize this inquiry.
Product: Credit reporting or other personal consumer reports

Hi Equifax, I just get my credit report today and I saw 3 fraud inquiries that shall be delete from my credit report. I never authorized those inaccurate inquiries. 


XXXX XXXX, INQUIRY DATE : XX/XX/year> XXXX XXXX XXXX, INQUIRY DATE : XX/XX/year> XXXX XXXX XXXX, INQUIRY DATE : XX/XX/year>
Product: Mortgage

I began a cash out refinance loan for multiple properties that are investment properties in XXXX XXXX. It is now XXXX XXXX XXXX and every week JP Morgan and Chase tell me " a few more days '' or asks for information that I have already provided.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
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 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

My name XXXX XXXX XXXX please remove any other variation of my name. I was going over my credit report and I noticed that there are several errors. My current and only address is XXXX XXXX XXXX XXXX OH, XXXX. I have attached my proof of ID. I do not live at the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following accounts are not mine I have never had an account with these companies : XXXX XXXX # XXXX****, XXXX XXXX # XXXX****, XXXX XXXX XXXX XXXX XXXX**, XXXX XXXX XXXX XXXX XXXX, ONLINE INFORMATION SERVICES # XXXX****, XXXX XXXX XXXX XXXX # XXXX**** Federal Law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law,
Product: Credit reporting or other personal consumer reports

Citizens Bank has XXXX entries on my Credit Report, with different amounts, and showing amounts as written off. 

These entries are for the same personal loan, which was settled with Citizens for a negotiated amount. This was the result of a sudden medical hardship which left me XXXX. 

This is the only creditor that I settled with that does not show a status of paid in settlement etc. They are also the only creditor that shows the sold loan as a separate item. Because the amounts are different and credit is not given for paying in settlement, it appears as if it is XXXX separate loans. 

I have tried to get this reconciled twice through the Experian Dispute Process and Citizens changed nothing ( confirmed through XXXX ). 

I then tried to get it reconciled through The XXXX XXXX XXXX XXXX for Citizens Bank. I was told that this had been elevated to the credit reporting team and that I would receive their response by mail within 30 days. This process began on XX/XX/2023 with XXXX by phone and email. My last correspondence from them was XX/XX/2023. I have followed up several times by phone and email and have received no response.
Product: Mortgage

Presently asking to have the support with the monies in escrow immediately released to present roofing company that performed the work and must be paid and must help me to complete my closing XXXX XXXX to provide a noc termination. My closing is late and monies held against my many requests to release these monies to pay roofing company that has completed the project. Monies are to be released immediately and w my  request to have a copy of this protected escrow agreement is to be respected too. 
I have no copy of the agreement and have asked this many times and asked to be released to the contractor {$19000.00} + {$9000.00} to XXXX XXXX immediately Have been asking to have this completed more than 2 months. This is monies that is insurance monies and the work has been completed and we have been previously asking to have this pretty much 2 months beginning XX/XX/2019. 
The {$6500.00} is to be credited to my payoff to close my loan XX/XX/2019. 
The bank has been holding on to at least {$40000.00} close to 2 years in a protected account and I have asked to have the agreement on the account protected escrow and where has the interest been on this monies. The people at Rushmore Loss Draft keep on pushing me from person to person without any cooperation and have been many times requested to release the payment in to the roofer and to put monies that are above this in my payoff {$6500.00}. This was to be completed XX/XX/2019. 
This is now late and my payoff {$120000.00} was to be completed then. They are holding on to my monies and putting more monies on me and I have asked the to work with me and now my home is in a vulnerable position and they are sending this in to have a court date of my home to be sold on XX/XX/2019. 
Please help this is very serious.
Product: Credit card or prepaid card

My initial card expired in XX/XX/2021. I never received a replacement. I have called Indigo no less than XXXX times and requested a replacement card. Verified my address every time. Never received the card. Paid my balance off to {$0.00}. Now, they have charged me a yearly usage fee of {$90.00} and are demanding I pay on it. I have not had a card I can use in over a year.
Product: Debt collection

15 USC 1692CC if a consumer notify a debt collector that they are claiming he or she owe.by law you have to per fide the collector with the right documentation signed by him or her showing that they owe this debt.if its not received within 30 days or less on your request then it have to be removed from your credit report
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX Enclosed are : my drivers license, my social security card, proof of my current address, my Federal Trade Commission Identity Theft Report, and a copy of SECTION 605B of the Fair Credit Reporting Act. I am writing to request that you remove/delete and place an immediate block on the fraudulent information listed below from my credit file within 4 days upon receipt of this correspondence. 

Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$55000.00} XXXX INQUIRIES : XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX EQUIFAX INQUIRIES XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX
Product: Mortgage

On XX/XX/XXXX i submitted a hardship request packet to specialized loan servicing ; my mortgage loan servicer. They sent me a letter few days later indicating they received and will be reviewing my request. Roughly XX/XX/XXXX I received their denial response letter. Indicating I was denied help because I had already been given a loan modification back in XX/XX/XXXX. A month after them getting the loan from XXXX. I was not working on a loan modification with XXXX and did not request one when they took over the loan. Well, in my hardship request of XX/XX/XXXX i never asked for a loan modification ; I asked for forbearance assuring them I would be out of this rut within 3-6 months. This seems confusing and misleading because they are denying me something I did not ask for. They did not refer to my request of forbearance ; they just denied due to already having have had a loan modification. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

//XXXX - I GOT A POLICE REPORT FOR IDENTITY THEFT FILED A IDENITY THEFT CLAIM ON XXXX FROZEN, BLOCK THIRD PARTY COMPANYS. UPLOATED DOCUMENTS ONLINE/ XX/XX/2021
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNT and INQUIRIE that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNT and INQUIRIES from my credit report. 
ACCOUNT XXXX  # XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : Ive just reviewed my credit report and noticed the following inaccurate item XXXX I request that you VERIFY this information and provide me with copies of any documentation associated with your investigation. In the absence of any such verification, I request that this information be immediately removed from the credit file you maintain under my Social Security Number. 

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft. 
Attached information available.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted TransUnion after reviewing my credit report in depth and noticing several inquiries which I did not authorize and do not recognize. I explained that I have had ongoing issues related to identity theft after I was impacted by the XXXX XXXX  data breach. I just recently resolved a fraudulent account that had been opened in XXXX as a result, and I am concerned that the unrecognized inquiries were made fraudulently. I would like the following inquiries removed. 

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

BANK OF AMERICA YOU DEFRAUDED ME YOU GOT PAID MULTIPLE TIMES ON A DEBT YOU CANCELED WITH A 1099 - C. You Mentioned I had to pay to get it removed from my consumer Report, I Made the payments however it was never deleted. You have committed tax Fraud you have this account listed on my consumer report as a canceled debt. I have proof I paid you which I will be submitting to the IRS, CFPB, XXXX, OCC, my state attorney general and also the state general where you are located a copy of this letter and of the payment I made and how I was defrauded by you. 
The IRS Clearly defined a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED. THIS ACCOUNT IS REPORTING INACCURATELY AND IT IS NOT XXXX COMPLIANT :
Product: Money transfer, virtual currency, or money service

Under the user agreement of pay pal, I must be XXXX  years of age. after verifying my identity, using my permit, pay pal applied a limitation on my account due to being XXXX. the limitation was for 180 days and provoked me of transferring my XXXX $ to my bank account. After 180 days of the limitation on my account had started, which was promised to send an email to send me an email about resolving the limitation, I called customer service because I didn't receive an email in around 200 days. When I called Pay Pal, I received a document verification and needed to submit my identity documents for verification i was XXXX. I was XXXX and my drivers license provide that information. But Pay Pal applied another limitation as they wrongly evaluated I was not XXXX. I had been XXXX for about 2 months. So, I called again for another document request for my limitation after wrongfully being evaluated as XXXX. Finally after waiting another 180 days since my second limitation. I received a email describing how to resolve a limitation. However, as I tried to provide my information, my submission of my photo ID is still under review from 175 days ago.. After 175 days for my documents to be evaluated, I don't receive an update on resolving my limitation by proving I'm XXXX thus removing my limitation, thus giving my XXXX $ back.
Product: Mortgage

My husband walked out on my for my next door neighbor so we short sale the house. My first mortgage company was wonderful and they offered my second mortgage company XXXX. My second mortgage company said they would not except any offers that I had to pay in full. They also tried to block me from getting money for moving. I closed on the short sale in XXXX 2013. In XXXX they called and offered me a settlement for XXXX, XXXX, and XXXX. I asked why they were able to make an offer now after declining the short sale offer????
Product: Mortgage

I had issues with mortgage since it was sold in XXXX. Filed complaint against XXXX XXXX  for not notifying me of transfer. I was finally notified of transfer XX/XX/21 by PHH. ( Mind you payment is due XX/XX/21 ). I then recieve XXXX and XXXX 's payment in same statement on XX/XX/21. Which is also marked as received 26 days late on my account. ( no late charge issued ). Have Called them multiple times for a statement just for XXXX and am told they can not generate a statement for just XXXX. Was told by PHH to just pay XXXX statement and we will send statement for XXXX. Now since then PHH Mortgage refuses to send me statement for what is owed that month. It is XX/XX/21 and received statement today due for XX/XX/21. ( After 3 repeated calls to send me a statement to pay bill. ) which has XXXX and mays due on XX/XX/21. I have had repeated calls that turn into shouting matches. I have been assured by PHH management that my bill will be straightened out and that has not happened. I think they are up to something because I have never dealt with anything like this or it is a sick game. I have a great payment history and am never late with bills. This is very aggravating and need to know what can be done about this because I get nowhere with my situation. And would like to know my options. Please get back to me.
Product: Student loan

I received a XXXX for XX/XX/2017 reporting the wrong amount of interest : {$1300.00}. The actual interest I paid was : {$4700.00}. I tried to resolve this discrepancy with XXXX XXXX since XX/XX/2017.
Product: Credit card

I struggled with this bill during the pandemic nordstrom didnt offer any help while all other companies was offering help thats not acceptable now they close the account and im suffering for it
Product: Credit card or prepaid card

I booked a XXXX XXXX XXXX XXXX property ( XXXX XXXX XXXX XXXX XXXX ) over the phone with Amex Travel back in XXXX last year ( Itinerary for XXXX/XXXX  XXXX XXXX ), when it was the time all the properties are not bookable online and you have to call the reservation in order to book. 

I canceled the reservation on XX/XX/XXXX ( before the free cancelation deadline ) so I'm supposed to receive a full refund of {$240.00} charged on XX/XX/XXXX to my platinum card ending in XXXX. However, up until today I still haven't received the refund and every time when I called the same reservation center, they weren't able to locate the reservation in the system and only told me to wait for a few more billing cycles. 

I don't think I'll even be able to receive the refund due to the Amex 's faulty system, I'd like to escalate this issue so it would be properly handled.
Product: Checking or savings account

This is in regards to the capital one 360 account you filed I have an account with them and am curious about the suit I opened the account up in XXXX and still have the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Please delete these inquiries. I am not aware of them, and the company carried them out without my permission.
Product: Debt collection

IambeingsuedbytransworldsystemswhohaspartneredwithXXXXXXXXXXXXtosuemethroughXXXXXXXXXXXXwhocallsmewhilewhereincourtuntilXX/XX/XXXXtomakeanunrealisticdeal.TheyalsonevercalledmeinthebeginningandinsteadcalledandauntwhoIdontevenspeakto.Also,theywantedtomakeadeal.Whatdealyousuedmeandforunjustanduntruthfulreasons.TheyalsoreportedmycredittodayandIreceivedandalertandsoIinformedthecreditbureauofexactlywhathappenedfrombeginningtoendstartingwithXXXXwhichiswhotheloansbelongedtofromacollegeIdidntfinishsincethefinancialaidofficeatXXXXuniversitymessedupandsentmyloanbackinmysenioryearleavingmewithalargedebtandnojobtopayitandIsufferfromXXXXsowhoknowswhenmynextXXXXXXXXwillbe..rightnowIpayXXXXbecausetheysetarealisticdeal.XXXXgavenoreasonableoptionssincetheywereawaretheco-signerdiedthedaytheywantedthemoneyandthensentittoXXXXXXXXXXXXwhowantedmetopaytheirfeesalongwiththefeesalreadyonmyloans..impossibleforwhatImake.Iftheyresuingmewhyaretheyharassingmeshouldntweletthejudgedetermineandorlawyers.RightnowmepayingthemalongwithpayingalloftheotherloanswouldplacemeinextremehardshipforadegreeIdidntgetbecauseofXXXXUNIVERSITY.IwillspendmyentirelifefightingthisandifIhavetoIwillforwhatwasdonetome.NotdoIsufferfromXXXXandXXXXXXXXIamnowbrokeduetoprivatestudentloanswhenIplannedoncompletingmydegreeandXXXXmessedupmyfinancialloansbeyondthedeadlineperiodandleftmewithaschoolbillthattheyfinishedpayingoffbecauseiftheyhadnotmyco-signermygrandmaatthetimebeforeherdeathcalledthemandthreatenedtosuethem.SinceXXXXuniversityhasdonetheirjobatcoveringtheirmistakeupbutmyentirefamilybaredwhitenesstoitandsincethenthesamefinancialaidofficerattheschoolwasfiredforsayingIwasfinancialclearedandacoupleofkidswerewhenwewerentintheendinXX/XX/2009its10yearslaterandIhavebeenthroughXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th attempt to get this matter resolved but then again my request is still being ignored. I have a loan with the accounts below and I always made my payments on time. For some reason, I realized that there were 30 days past due from XXXX, XXXX and 60 days past due on XX/XX/20. I have read enough to understand my rights. Experian is required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA.and is wilfully non-complying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payments from these accounts. Below are the accounts with erroneous information that I'd like to remedy ASAP. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian is reporting inaccurate information on my consumer report. Account # XXXX I am writing to formally request a thorough reinvestigation into the inaccurate accounts being reported on my consumer credit report. I have identified several false instances and non-compliant information that require your immediate attention. 

Federal regulations mandate the complete, accurate, and compliant reporting of all information, particularly within the Metro 2 data fields. Any deviation from this standard is not only a violation of federal regulations but also a breach of consumer trust. 

I insist on your strict compliance with Metro 2 reporting requirements. You must provide me with irrefutable physical proof of the validity, accuracy, and compliance of the reported information. Specifically, I request : The name and contact information of the individual at the original creditor with whom you communicated to verify these items. 

The method of contact used ( e.g., phone, email, written correspondence ). 
Whether you utilized a Universal Data Form ( UDF ) or an automated dispute verification system. 

A detailed description of the reinvestigation procedure, including the steps taken to verify the disputed items. 

If you can not substantiate the claims made in my report with the requested information, I expect the inaccurate accounts to be removed immediately. Failure to comply with my request will result in my taking legal action, including filing a lawsuit in small claims court for {$1000.00} per violation, pursuant to FCRA 623 ( a ) ( 3 ). 

Please address this matter with the urgency it deserves and provide a written response within the 30-day period as required by the FCRA. I expect a complete and thorough investigation into this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting information that I dont know cant dispute it and when you call Equifax the workers have a attitude
Product: Debt collection

In XXXX of XXXX, I was reviewing my credit report when I noticed a collection account was added. It was for {$90.00} from Transworld Systems collecting for XXXX XXXX Hospital. I was surprised because I didn't even know that I owed any money. 

In XXXX of XXXX I was taken to XXXX XXXX Hospital by ambulance because of XXXX. I tried to refuse medical service but the police and paramedics insisted that I be taken to the hospital. Once I arrived to hospital, I again refused service and I left on my own. I did not have medical insurance and I did not want to incur any medical bills. 

I never gave XXXX XXXX Hospital my name or any of my information, nor did I ever receive a bill from them. I also never received a bill from Transworld Systems. I had no idea I owed any money and because I refused medical service, I did not expect to owe any money. 

On XX/XX/XXXX, shortly after I became aware of the debt on my credit report, I called Transworld Systems to resolve the debt. I explained to the customer service agent that I never received a bill and wasn't aware that I owed anything. I told her that I could make the payment but I asked that the collection account be removed from my report. She said that it would not be removed but only updated to show that it was paid. 

The customer service agent told me that bill had be sent to XXXX XXXX XXXX XXXX, XXXX, IL. Which is my old address. I've come the conclusion that XXXX Hospital must have gotten my information from the police officer or the police report. My ID at the time was outdated and did not have my current address. Again, I did not give XXXX Hospital any information, so my best assumption is they obtained the wrong information from my outdated ID. 

I told the customer service agent that I did not think it was fair that I should have a negative mark for a debt that I was completely unaware of. She again told me the best should could do was update it as paid and suggested that I contact a credit specialist. I wasn't satisfied with that resolution so I ended the call and did not make the payment. 

I later decided my best action would be to make the payment and file a complaint with the cfpb. On XX/XX/XXXX I made the full payment of {$90.00} to Transworld Systems.
Product: Debt collection

I am not liable for this debt with Portfolio recovery associates. I do not have a contract with Portfolio recovery associates. They did not provide me with original contract as requested.