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

XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Experian XXXX XXXX XXXX, XXXX, TX XXXX REQUEST TO REMOVE UNAUTHORIZED CREDIT INQUIRY To Whom It XXXX Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report. Your immediate attention to this matter Is appreciated XXXX XXXX DOB- XX/XX/XXXX XXXX XXXX XXXX XXXX NY XXXX Email - XXXX SSN- XXXX Phone number XXXX Inquiries that need to be removed are listed below XXXX- XX/XX/XXXX XXXX BANK XXXX XX/XX/XXXX XXXX- XX/XX/XXXX
Product: Mortgage

TO WHOM IT XXXX CONCERN I would like to initiate a complaint to CFPB. According to a communication received from said office of PHH Mortgage Company, I was to have had an opportunity to submit information regarding my Capital Home Improvements for deductions regarding the Pay-Off of my home. However that has not happened. I have been in communication with this mortgage company now over many different issues. I should have been given an opportunity to have my home appraised by a certified appraiser. I should have been able to submit a list of my Capital Home Improvements I was not, nor was it requested of me. I was just made aware that the opportunity existed from a communication sent from the Ombudsman Office via CFPB. The mortgage company, ( PHH ) has come up with a said amount for a Pay-Off that I totally DISAGREE with in the amount of {$57000.00} Ive requested a detailed breakdown of how the amount was arrived. No detail follow up of said concern has been offered as of XX/XX/2022. I am requesting your assistance and advice regarding help with this on-going complaint. Thanking you in advance for your help. Ive offered paper work for Capital Home Improvements and a home appraisal report has been submitted. Last payment ( balance on the account ) of {$6.00} for mortgage payment was attempted at least three times and each time it was declined with a returned check from said mortgage company. The mortgage company has now caused my credit ratings to become compromised, therefore placing me in a position to be denied credit approvals. My credit score dropped down greater than 100 points. P.S. I was told by a representative via phone about XXXX or 6 months ago that the pay-off should be about {$4000.00} to {$5000.00}. Not {$57000.00}. Still no financial breakdown of arrival amount. Thanks again for your assistance with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

However I have not had any accounts with this companies. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. I dont recognize these debts.
Product: Money transfer, virtual currency, or money service

Hi there, This issue is one Coinbase 's priority issues ( delayed payments ). When I changed my phone number associated with my Coinbase account in XX/XX/XXXX, my pending transactions to buy Ethereum and Bitcoin got cancelled. I did not receive the cryptocurrency, and I did not receive a refund. I was supposed to receive my refund for two transactions that have been cancelled within 3-4 business days according to the E-mail I received, but after > 3 months, I have not received anything.

The transactions that were cancelled were : - OnXX/XX/XXXX, I ordered XXXX   BTC for {$500.00} USD.

- On XX/XX/XXXX, I ordered XXXX ETH for {$500.00} USD.

These transactions have taken money from my bank account, but has not yet been refunded. I have emailed Coinbase Customer support many times, and I have yet to receive any help. I was told a " specialist '' would be looking into it months ago, but I have been emailing them since about it, with no response.

Thanks!
Product: Checking or savings account

Im a Retired XXXX Veteran and have been with Navy Federal for over 20 years. Ive had surprise overdraft fees on certain ATM withdrawals and debit card purchases, even when my account showed sufficient funds at the time of the transactions. I was illegally charged overdraft fees in XXXX ways. First, when I made purchases with my accounts showing enough money to cover the transaction, the credit union still charged me overdraft fees if the account had a negative balance once the purchase posted to my account, sometimes days later. Second, when I received money payment services through Navy Federal systems showed the money as immediately available to spend. However, the credit union failed to disclose that payments received after 10:00 am Eastern ( and later, after 8:00 pm Eastern ) wouldn't actually post until the next business day. I tried to use this money were then charged overdraft fees.
Product: Credit reporting or other personal consumer reports

Recently, while reviewing my credit report, I discovered several fraudulent accounts that were opened and used without my consent. These accounts are severely damaging my credit history and negatively impacting my ability to obtain fair credit. Under consumer protection laws, I have the right to have this information corrected and ensure my rights are protected. The applicable laws include : 15 USC 1681i : This law grants me the right to dispute inaccurate or fraudulent information on my credit report and requires credit reporting agencies to conduct a reasonable investigation and correct errors promptly.

15 USC 1681s-2 : This law outlines the responsibilities of information providers to ensure the accuracy of the information they report to credit bureaus and prohibits reporting fraudulent or incorrect data.

15 USC 1666b : This law provides protections for consumers against unauthorized charges or billing errors, requiring prompt correction of such issues.

15 USC 1681c-2 : This law allows consumers to request a block on fraudulent information resulting from identity theft to ensure it is removed from their credit reports.

Identity Theft and Assumption Deterrence Act ( 18 USC 1028A ) : This law criminalizes the unauthorized use of personal information and provides penalties for identity theft, reinforcing the need to address fraud promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is regarding an existing issue with XXXX Experian and XXXX XXXX account # XXXX This is a fraudulent inaccurate account and have multiple inaccuracies on the accounts such as reporting different opening dates and has different dates last reported that are not in proper METRO 2 format and the account do not reach out to FCRA requirements.. I have previously disputed this account and it came back verified without any proper investigations. because if they would have did a proper investigation they would have seen that these are fraudulent and inaccurate accounts that have really been effecting me financially and also have caused defamation of character. According to law 15 U.S. Code 1681- ( a ) Accuracy and fairness of credit reporting. ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year> I purchased an airline ticket with XXXX and paid for it with Affirm.com 's payment service. Later that day, I got a notification inside of the Affirm app that said that I was being denied for this credit/loan. Seeing that I got this denial letter, I proceeded to use a different service, and website to go ahead and purchase my ticket for travel. A few days later, I was surprised to see that the airline sent me information regarding the purchase I made with Affirm.com for that plane ticket. I received a letter of denial for the credit/loan that was to pay for this ticket so I was not expecting that I even had a plane ticket with this airline. I immediately contacted Affirm.com and asked for explanation regarding the confusion here. If they sent me a letter saying that they are denying me the credit, when did they decide that they were NOT going to deny it, and when were they going to let me know? Affirm.com told me to call XXXX who told me to call the airline. The airline told me to call Affirm.com. Everyone is telling me to call everyone else and there is nothing anyone can do seemingly.
Product: Debt collection

Ability Recovery Services submitted a false claim to the credit reporting agencies that I owe them {$570.00} and have not paid. They state this originates from XXXX XXXX XXXX. Currently, I am on a payment plan with XXXX XXXX XXXX XXXX XXXX I have never been late and made my most recent payment on XXXX. I called XXXX 's billing department representative, XXXX, at XXXX on XXXX & confirmed that my account was current after receiving a payment demand letter from this debt collector. 

They filed this false report on XXXX. I can provide proof that I have made all payments in full and am on a payment plan. My payment plan concludes in XXXX.
Product: Student loan

XX/XX/2018 and XX/XX/2018 I spoke with some one in regards to options to repay the loans. The loans are under me and a co signer. I tried to explore options since the calls every 30 minutes on my voicemail stated there were other options available since the last time I spoke with someone. I called again and was not told any more options than what was previously mentioned. I asked if the loans could be extended out for payment and the representative was hesitant to say that was an option. I informed if I can not pay the entire monthly payment, why aren't all options being given to me. I know that the loan customer service representatives received a bonus initiative for getting payments over the phone and the higher the payment the more the bonus. Yet to not assist someone who is trying to explore options to pay is unacceptable. She was very rude making comments like " I don't like to give that option '' and a sarcasm " ok '' when stating the co signer is an XXXX year old man with no income when it was asked " what about your co signer ''. If it was easily obtainable for me to pay the requested amount, I would never call to explore options of payment. It is terrible that you get someone on the phone trying to gain a buck, not for the purpose of your sake but for their own. Then when I reiterated the person or someone calling me telling me there were other options and could even lower the payments ; of course there is no record of this. I was asked how much can you pay '' I stated the amount and " oh yeah no we can not accept that. '' You cant or just don't want to? I was told " you already have a low interest rate so I cant go any lower ''. last call in XX/XX/2018 I was asked to provide all the bills I paid with my income and when it calculated with about 20 dollars left. I was just told " oh well '', can you borrow the money from someone ''?. The statements that are made is unprofessional and inconsiderate.
Product: Credit reporting or other personal consumer reports

Hello on XX/XX/year> I submitted a request to equifax to provide information about some collection accounts listed on my account and until this day they have yet to respond to my request to fix this. To my understanding they have 30 days but have yet to respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX, CAXXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OK XXXX XXXX XXXX XXXXXXXX Balance : $ XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$570.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Mohela became the servicer for my loans at the end of XXXX. Originally XXXX. I had paid a substantial amount during covid, over XXXX dollars. After debt relief was announced I requested a refund. Still no refund, but my loan balance has returned to the original amount. Mohelas website provides XXXX information about the transactions/refund. I didn't request a refund for the full amount. I only requested a refund for a certain transaction made during that time. I've not received a check or a deposit.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts [ XXXX XXXX XXXX, [ XXXX XXXX ] are not complete and accurate.

I sent a letter asking them to make sure everything is complete and accurate and here is my tracking number They sent me investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate And according to nd according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

But they did not do that as well either. 

and according to XXXX XXXX XXXX they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately. I have reviewed my credit report and found that these hard inquiries were made without my consent or knowledge. ; XXXX 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 XXXXXXXX, XXXX I have not applied for any new credit or loans recently. Under the Fair Credit Reporting Act, I have the right to dispute any inaccurate or unauthorized information on my credit report. I am requesting that you investigate these hard inquiries and remove them from my credit report if they are found to be inaccurate or unauthorized.
Product: Credit card or prepaid card

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. XXXX XXXX   -XX/XX/2019 This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Debt collection

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, XXXX, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the XXXX XXXX XXXX  in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, CB/VICSCRT failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
CB/VICSCRT Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
CB/VICSCRT Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge. 
On the date XX/XX/2022 XXXX XXXX, agent, d/b/a XXXX XXXX XXXX came before me today present as flesh and blood living being ( non-entity/non debtor ) under oath to the most high of creation only and provided the facts listed herein.
Product: Credit reporting

Hello, Transunion had inserted deleted collections and deleted hard inquiries on my credit report between XXXX, i had questioned Transunion, however they stated that there is no record of such transaction, i have screenshots to support my claim.Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my another complaint submission that I am filing to inform XXXX, Equifax and XXXX Bureaus that I am a victim of identity theft and I sent this submission to dispute certain inquiries in my file resulting from the crime. The inquiries I am disputing do not relate to any negotiations obtaining any possession of goods, services or money that I have made or approved, the thing is the 3 credit bureaus HAVE NOT TAKEN ACTION to remove any of the specified fraudulent inquiries that I have requested them to remove from my file, even after I did a follow up notification to them they have neglect to remove any at all. Please once again block and remove the reporting of these inquiries from my credit file that resulted from an alleged identity theft. These inquiries are unknown to me. And I have doubts about the reporting accuracy on these inquiries that you presented in my credit reports. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. These are the list of inquiries I want the 3 Credit Bureaus to remove : XXXX : XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 EQUIFAX : XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX : XXXX XXXX  XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023