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

I have contacted this company several times in the past month to remove fraudulent accounts on my report that have reappeared. They have removed all those accounts accept XXXXXXXX XXXX XXXX credit card. With this particular account they removed it and added it back, removed it and added it back again every time I call. I keep calling and they keep telling me they are going to remove it immediately and they never do. As of today XX/XX/year> they are stating that they cant remove it because they do not see the FTC report even in the complaint through the CFPB. This company keeps violating my rights and are using stall tactics to keep from correcting my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a XXXX secured credit card with credit one, never went over my credit limit, closed my account ( or so I thought ) they left my account open, kept charging me additional fees then interest on the fees and then  reported my minimum balance as XXXX which is incorrect, and then keep charging me interest, it is now XXXX on my credit and is not accurate ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I was involved in equifax security breach of XXXX. 

My equifax credit report has not updated since XXXX of XXXX. When I pull my credit report online I have history all the way up to XXXX of XXXX. Starting in XX/XX/XXXX until current date, all of my report information is showing to be cleared and lost. I have no report information, several lenders I have used have not been able to find my equifax credit report and its affecting me financially. 

I would like Equifax to correct their problem and update my report to reflect my current credit information. 

I have made several attempts to email Equifax customer service on this matter as well as several phone calls. They try to assure me that there are no issues when I can login to their website and all reports after XX/XX/XXXX show absolutely no information at all. 

Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXXXXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Request for Immediate Removal of Unauthorized Hard Inquiries I hope this letter finds you well. My name is [ Your Full Name ], and I am writing to address a matter of concern regarding my credit report. Upon reviewing my credit report, I have identified unauthorized hard inquiries that were made without my consent. I am requesting the immediate removal of these inquiries in accordance with applicable laws and regulations.

I refer to the Fair Credit Reporting Act ( FCRA ), specifically Section 1681b ( c ), which states that a consumer reporting agency may not make a consumer report containing information that results from an inquiry into a consumer 's credit report unless the inquiry is initiated by the consumer or for a permissible purpose.

Unauthorized hard inquiries are not permissible under the FCRA, and I assert my right to have them promptly removed from my credit report.

Additionally, I would like to bring to your attention Section 1681i ( a ) ( 5 ) ( A ) of the FCRA, which requires consumer reporting agencies to promptly delete inaccurate or incomplete information. Unauthorized hard inquiries fall under the category of inaccurate information, as they were not initiated by me or for a permissible purpose. Therefore, I am requesting the immediate deletion of these unauthorized hard inquiries from my credit report. 

I also reference the Credit Repair Organizations Act ( CROA ), which is designed to protect consumers from unfair and deceptive practices related to credit repair services. Unauthorized hard inquiries, not initiated by the consumer, can be considered a violation of these protections.

In light of the aforementioned legal provisions, I kindly request that [ Credit Reporting Agency Name ] promptly investigate and remove the unauthorized hard inquiries from my credit report. I expect this process to be completed within the timeframe stipulated by law. 

I appreciate your prompt attention to this matter and anticipate a timely resolution. Please provide written confirmation once the unauthorized hard inquiries have been removed from my credit report. Thank you for your cooperation and adherence to the laws that protect consumer rights.
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

The principal, interest and escrow balance was recorded as {$20000.00} as of XX/XX/2018. A breakdown of principal and interest is {$13000.00} and escrow deficiency {$7800.00}. This is a total of {$21000.00}. This is a difference of {$610.00}. 

The projected escrow shortage of {$6000.00} is being paid through my increased mortgage payments. The projected escrow shortage should not be included in the total arrears of {$28000.00}
Product: Checking or savings account

I was continually illegally charged for over draft fees XXXX by Navy Federal for years even when I didnt have the money the charges were allowed to go through causing me to be even more in the negatives further causing more financial burden.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX. To whom this may concern. XXXX   and Equifax deleted some items off my credit report and decided to put them back onto my credit report. Which is against the law by the Credit Fair Reporting Act. I just want your help with ensuring they delete these items back off my credit report and to never place back on my credit report. Thank you
Product: Credit card

Back in XXXX of 2022 I was at dinner with a client and my card was not working citi called me and asked me if I had made purchases on XXXX or XXXX. 

I have an XXXX business and I often use XXXX so I told them it was me and to please approve the purchases as I was at dinner with a potential client and investor trying to pay my bill and was embarrassed that my card kept declining. 

To say I suffered emotional duress would be an understatement. In the heat of the moment I was just trying to pay my bill and I feel citi used this against me later down the road. 

At the time it was only a couple of XXXX dollars and that did seem reasonable to me as I often use XXXX for my business and personal needs and I have gone to XXXX to purchase things in the past. 

What I did not know at the time until I was trying to do my taxes with my accountant is that someone had stolen my card number and had made {$18000.00} worth of purchases at XXXX. Which was definitely not me. 

These fraudulent charges were not done using my XXXX account. For over 15 years I had XXXX credit and I have never overspent in the past. 

This past year my credit has suffered and I am struggling to make payments for items I never purchased. I am drawing in interest from these fraudulent charges and Citi is not helping me at all Over the past year I have made several fraud disputes with Citi but they refuse to work with me. 

They keep telling me to contact XXXX but since these fraudulent charges were never made using my XXXX account because it was not me they have not been able to help me either.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

Simms, a student loan debt collection agency, has been harassing me with aggressive, repeated phone calls regarding a student loan debt that appeared on my credit report after my grandfather passed away ( who opened the loans ). Despite multiple requests for verification of this debt, they refuse to provide any documentation and instead continue harassing me. 

Harassment & Abusive Behavior : Simms has called me twice on XX/XX/year>, and again on XX/XX/year>. This harassment is ongoing. 
Every time they call, they refuse to identify themselves or state why they are calling. 
They yell at me, speak aggressively, and treat me in an unprofessional, condescending manner. 
They demand personal information before providing any details about the supposed debt. 
When I request information, they refuse and continue harassing me instead. 
Unlawful Conduct & FDCPA Violations : Sims actions violate the Fair Debt Collection Practices Act ( FDCPA ) in multiple ways : Harassment through excessive calls They have called three times within a single week ( XX/XX/year> XXXX calls, XX/XX/year> XXXX call ). 
Failure to disclose their identity They refuse to state who they are or why they are calling. 
Refusal to provide written debt verification They are legally required to send proof of the debt but have refused every time. 
Abusive and aggressive behavior Their representatives yell at me and speak in a demeaning, unprofessional manner. 

On XX/XX/year>, and XX/XX/year>, I explicitly requested that Sims stop calling me until they provide written verification of the debt. Instead of honoring my request, they rudely ignored me, cut me off mid-sentence, and dismissively stated, " Well, this is a good number for you, so we will keep calling. '' Before I could even explain that they were calling my work cell and attempt to provide a different number, they talked over me and refused to listen. Their refusal to acknowledge my request and their continued harassment are clear violations of Fair Debt Collection Practices Act ( FDCPA ) regulations.
Product: Credit reporting or other personal consumer reports

In recieving phone calls regarding past due amounts is when I noticed that these accounts were opened in my name. I then noticed that these items were reflected on my credit report. Despite reaching out to the companies involved to verify information on the accounts and to recieve the origianal contract, I recieved no resolution and responses that eventually stopped. Additionally I discovered that my information was breached while I was employed preventing me from recieving benifits while out of work.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint was made because you are reporting inaccurate and incomplete information on my Credit Report. I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please investigate the following account and remove late payment on it. You are reported totally different or missing information on my XXXX XXXX XXXX account. I attached copies of my annual credit reports so you can find wrong information.
Product: Debt collection

XXXX XXXX XXXX called me and threatened me stating they sent me a letter and if I dont pay the money I will be sued or possibly have my credit damaged for good. I advised them I spoke with milestone and since I was not working at the time my account was written off as bad debt this was done since 2016. This creditor says if I dont pay they will take me to court and damaged my reputation. I was afraid and I give my bank information as they requested. I need your help so this company does not take my money
Product: Credit card

I bought a {$2300.00} refrigerator and a {$2000.00} washer/dryer from Home Depot on a promotion in XXXX 2014. They never sent me a paper statement because I was enrolled in " electronic '' statements. Whenever I received an email, I would just logon and pay my bill. Suddenly, i am billed right at {$1500.00} for deferred interest. When I downloaded my statements, none of my payments went to the promotion for a whole year! Has this happened to you? When they charged me {$1500.00} in interest, it put me way over the credit limit XXXX which they lowered unbeknowst to me XXXX. This is probably the most shocking thing that has ever happened to me as a consumer.
Product: Checking or savings account

My wife XXXX XXXX XXXX XXXX and I XXXX XXXX XXXX XXXX have received a promotion in the mail ( see exhibit 1 ) and email ( exhibit # 2 ). The promotion was continent upon opening a new Citi Miles Ahead Savings Account and depositing {$200000.00}, whereas we would receive XXXX AAdvantage miles and appropriate interest as advertised if deposit the funds within 30 days of account opening and maintain the funds there for 60 days. 
We called on the phone and created an account ( ending with # XXXX XXXX. Based on welcome packet we received, the effective opening date of that account was XX/XX/XXXX. As per terms of the promotion, we have deposited the required funds into the account within 30 days XXXX our check was deposited XX/XX/XXXX ). Without our authorization, Citi created an identical Miles Ahead Savings Account XXXX ending in XXXX XXXX on XX/XX/XXXX. Then Citi moved the deposit into this other identical Miles head Account XXXX XXXX XXXX on XX/XX/XXXX. Because it was moved out of the first one before staying in there for the 60 days needed to earn this promotion and it was moved into the 2nd one after the 30 days ( too late to qualify for promotion on this one ), I became ineligible for promotion on either one.

I think this is a malicious effort by Citi to get out of paying the promotion. And nobody can still explain to me why the 2nd account was opened and why money moved into that account. I have made considerable effort to reach out to Citi to address this problem, but to no avail. I am attaching exhibit # 3 and # 4 to show their responses. I have all detailed statements and communication from Citi to show how this happened and can provide upon request.
Product: Mortgage

XXXX XXXX XXXX XXXX  per phone call XXXX, saying they added the Assignment of Mortgage in error, there is no Mortgage and XXXX has also acknowledged that there are not the Investor or Noteholder, So can you please explain how you feel this Assignment of Mortgage is Correct, and can you please explain on our Foreclosure documents you Show XXXX XXXX XXXX XXXX  is our Invester when they have sent several letters saying they are not the Noteholder and Investor. Please Explain.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I mailed to Equifax via USPS certified mail, a letter and other related documents regarding they open an investigation on my credit report. The documents consisted request for validation of Accounts XXXX XXXX # XXXX and XXXX and notification of identity theft accounts Social Security Admin # XXXX, XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX. The identity theft report also included inquiries. 
The documents were delivered to XXXX on XXXX XXXX, 2017, in XXXX, Ga. 

To date, I have not received any information related to the above information and report.
Product: Checking or savings account

On XX/XX/XXXX I have wired over $ XXXX from a XXXX XXXX  account into XXXX. The same day XXXX has rejected the wire without providing any explanation. As soon as my XXXX XXXX  shared that with me, I have asked for clarification and return of funds. As today, XXXX refused to return the funds which had a huge impact on my credit score since I couldn't pay bills on time I have called XXXX several times and also provided them the XXXX : XXXX via secure message as well as over the phone. XXXX refused to identified the transfer and return the money into my XXXX XXXX account. I'm also supposed to close on a condo this week and the seller won't allow an extension. If money will not be returned today I will also lose that condo
Product: Credit card or prepaid card

I am receiving debt collection calls every day from PayPal Credit to pay a debt that I incurred when making a {$3000.00} charitable donation through PayPal. The donation was intentionally made on XX/XX/2017 and was not fraudulent. However, I have been disputing the nearly {$500.00} in finance charges and fees that accrued during a 6-month XXXX percent interest period and that continue to accrue while I work towards a resolution. The current balance is XXXX. I have spoken with PayPal Credit 's disputes department and, as suggested by the disputes department, written a letter to PayPal Credit to try to resolve this. Their responded by email and said that their review was completed, but offered no other explanation. In reviewing my balance since then, no finance charges have been removed and new finance charges and fees have accrued. 

I am disputing this because I never intended to use PayPal Credit to make the donation. As is always my intent, I intended to use the credit in my PayPal balance. I presume that I may have accidentally used PayPal Credit since there is hardly a distinction on the PayPal app between the two.  They use almost the same logo and " PayPal Credit '' sounds exactly like it is a credit on my PayPal balance. 
This is the first and only time that I have ever used " PayPal Credit ''. After asking about my history with this line of credit they informed me that they used to be called " XXXX XXXX XXXXr '' and that I opened the account at a time when they were still using the name " XXXX XXXX XXXX  ''. At some point, they switched their name to " PayPal Credit '' and kept my account open, which explains why I did not even know that I had a line of credit with PayPal Credit. 

I suspect that part of the reason why they changed their name and logo to mimic that of PayPal the service was so that they could mislead customers into using PayPal Credit thinking that they were actually using a credit on their PayPal account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2017 I had my mortgage refinanced, and on that credit report, it shows the EXPERIAN reported serious delinquencies. I had to open an account with a credit card at Experian to view the report as neither XXXX  nor XXXX shows any such comments. The Experian report erroneously lists the comment of serious delinquency on my XXXX report. However, XXXX says that it is a data furnisher issue as they have no such derogatory comment on my report. The Experian report also shows my XXXX  score as XXXX pts less than Experian 's or XXXX XXXX 's, also incorrect. 

I have made NUMEROUS attempts to contact Experian to discus this as I am prevented from disputing online Experians data as erroneous as it is tied to an error in EXPERIANS data collection from XXXX. XXXX can not help because they never reported what Experian is reporting on their behalf. Unfortunately, even though you can reach customer service at both XXXX and XXXX, every single customer service number for Experian, goes to the same canned automated system for either Fraud Alerts or to order a Credit Report. NONE of them have any actual person or option to speak to someone to resolve the matter.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the accounts and inquiries listed below from my credit file. These entries are fraudulent and unauthorized, resulting from a recent data breach in which my personal information was compromised. In accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request their removal from my credit report. 
Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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