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. 

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
Product: Mortgage

I have a loan with MidFirst Bank serviced by XXXX Mortgage. I am requesting information regarding your active Bonds on file. Please see attachment for request of information.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told/informed Experian, XXXX, and XXXX to reinvestigate and or remove these accounts : XXXX. XXXX XXXX XXXX > {$7000.00} * Account # : XXXX * Date Opened : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX {$430.00} 1. Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX > {$1000.00} * Account # : XXXX * Date Opened : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$520.00} * Date Opened : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX {$620.00} XXXX EVERY * Date Opened : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$1400.00} * Date Opened : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX > {$730.00} * Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX {$640.00} * Opened Date : XX/XX/XXXX XXXX. XXXX XXXX {$8200.00} * Opened Date : XX/XX/XXXX EXPERIAN DISPUTES XXXX XXXX. XXXX XXXX XXXX {$5100.00} * Account # : XXXX * Date Opened : XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX {$8200.00} XXXX. Account # : XXXX XXXX. Date Opened : XXXX, XXXX, XXXX XXXX. XXXX XXXX XXXX {$340.00} * Account # : XXXX * Date Opened : XXXX, XXXX, XXXX XXXX. XXXX XXXX XXXX {$640.00} * Account # : XXXX * Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX {$790.00} * Account # : XXXX * Date Opened : XXXX, XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX {$620.00} * Account # : XXXX * Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX$1400.00} * Account # : XXXX * Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX {$920.00} * Account # : XXXX * Date Opened : XXXX, XXXX XXXX FRAUDULENT HARD INQUIRIES XXXX XXXX XXXX Opened Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX * Opened Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Opened Date : XX/XX/XXXX XXXX. XXXX XXXX * Opened Date : XXXX XXXX, XXXX HARD INQUIRIES : XXXX. XXXX * XX/XX/XXXX In addition to, the Credit Agencies stated everything was complete, accurate, and all the fraudulent items will be removed and or blocked in the 4 business days allowed with the law & in accordance to Consumer Law ( FCRA ) 15 U.S.C 605B & 15 U.S.C 1681 ; But the open date, date of last activity and much more is incorrect & fraudulent with these accounts on my Credit Profile. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

In conclusion, I would like to use the following Consumer Laws ( FCRA ) to my benefit in regards to my situation of Identity Theft and fraudulent, inaccurate & unauthorized items on my Credit Profile. The selected laws are as follows : 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 knows or has reasonable cause to believe that the information is inaccurate ], 15 U.S.C 1692c, 15 U.S.C 1601, 15 U.S.C 605B, 15 U.S.C 1681a-2, & 15 U.S.C 1681n.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX  Date of inquiry : XX/XX/2021 XXXX  Date of inquiry : XX/XX/2021 XXXX XXXX XXXX Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021 XXXX  Date of inquiry : XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I paid my XX/XX/XXXX payment XXXX submitted my payment through Aly Financials third party company. I was reported as being thirty days late. I also have a copy of the receipt. The payment posted as XX/XX/XXXX not the XX/XX/XXXX causing 30 late reporting.I have made several online payments in the same manner and was not reported 30days late. I made a requested on the phone XX/XX/XXXX or XXXX and a written request w a copy the receipt. The reporting is not correct I was 29 days late but not 30. The company states i made the payment on the XXXX and posted on the XXXX. They are not reporting online payments that way if paid within 29 days.. 
.. 
Thanks for your time
Product: Credit reporting, credit repair services, or other personal consumer reports

I am seeking monetary release for the terrible treatment I have received from experience. From all 3 credit reporting bureaus.I have continuously requested that I do not be just by XXXX and that my credit school will properly show three real numbers. However, experience has been holding my credit score now for a long time now when I called a question why they said it was because of XXXX, which is not fair to anyone. They have now remove things that I took them. Were not supposed to be on my account. They keep making up excuses why they cant fix the numbers and its a computer is doing it and not send however, we werent using computers at first and theres no reason why I cant hear XXXX. Judge my number is it because Im a XXXX person is known as the XXXX peoples numbers down Id like to pay for my troubles. You can get a home cars anything and I know I have no debt at all!!! Fix this please. Why do they have so much power and theres no real way to dispute them. 
I never gave XXXX, XXXX or Experian permission to publish anything about me. They are constantly publishing false information. How do I go about suing the company for pain and suffering, for restricting my way of life.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 or other personal consumer reports

Another fraudulent inquiry hit my report today. XXXX XXXX XXXX XXXX. I am a victim of identity theft. This inquiry is a act of fraud
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 NUMBER : XXXX XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-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 FOUR 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 ACCOUNTS and INQUIRIES 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 ACCOUNTS and INQUIRIES from my credit report. 


Account 1 : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

These XXXX inquiries on my TransUnion report are fraudulent/and these XXXX collections I have been fighting since the BEGINNING OF THIS YEAR!!!!! and I would like them immediately removed. There is now way in heck I applied for this many accounts! 
Please remove these accounts off my transunion report asap! 

XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX As well as these XXXX illegal accounts that has been opened in my name for over XXXX  years. I keep stating these accounts below are illegal and was obtained in my name. Please remove these accounts! 

XXXX XXXXXXXX XXXX XXXXXXXX {$150.00} DATE OPENED XX/XX/XXXX XXXXXXXX XXXX XXXX {$57.00} DATE OPENED XX/XX/XXXX XXXXXXXX XXXX XXXX  {$13.00} DATE OPENED XXXX, XXXX, XXXX PLEASE REMOVE THESE ABOVE ILLEGAL CHARGE OFF ACCOUNTS THAT WERE OPENED AT THE SAME TIME AND IM LOCKING ALL MY REPORTS TO STOP THIS FROM HAPPENING AGAIN. IM TRYING TO FIX MY CREDIT SCORE PLEASE REMOVE THESE ACCOUNTS OFF MY REPORT!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I certainly hope that I checked the appropriate boxes so that this form is routed properly. 

I have numerous accounts with various financial institutions. All of which I have managed responsibly for decades. None of which have at any time been poorly managed, which is intentional, so that I will not be judged as unworthy by creditors. 

Two of these are long standing and in good status with CHASE. 

XXXX uses a Transunion software named XXXX XXXX. 

Of all of the other accounts I utilize, at least 10, my score is in the 800+ range with an A rating. 

Based on XXXX XXXX my score is in the mid 700 range with a B rating. This change happened within the past 30 days. 

The problem is, that within the last 30 days, I have only improved the balances and account statuses, yet, based on XXXX XXXX resulted in a lower score. The same software was being utilized for many months, perhaps years prior, and seemed to be inline with the other 10 institutions. 

As directed by XXXX, I attempted to contact Transunion to understand their judgment of my worthiness. Transunion would not provide a sensible explanation. They claim it is based upon algorithms. Yet, the same algorithms were in place 30 days ago and my perceived worthiness, if you will, the judgement rendered upon me and my worthiness based on XXXX XXXX, has been reduced in an arbitrary manner, even though my accounts have only improved, that being, the balances are lower, the percentage of credit used to availability is reduced, and the history of proper management has lengthened. 

Transunion said that CFPB are the party responsible for managing errors caused by their software. 

I rebutted that assertion. Stating that there is no reason that a tax payer funded agency should be held responsible for their error, and that there should be someone employed by Transunion who can review this situation to rectify the anomaly caused by on XXXX XXXX. 

The supervisor with whom I was speaking at Transunion, XXXX, was adamant that CFPB will have the solution, but that Transunion does not. 

Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have absolutely no idea what these accounts are, I have never opened a account with these creditors and want this removed. I have notified my local Police department XXXX XXXX XXXX XXXX sheriffs XXXX of these fraudulent accounts and have made a police report. 

Under the FCRA 2009 ( a ) the Credit reporting agencies must cease and desist from reporting these accounts that have been brought to their attention are fraudulent, and were open without the consumers consent. 

I am in talks with my local attorney generals office to assist with this theft.
Product: Credit reporting or other personal consumer reports

I have XXXX accounts with XXXX XXXX. Account # XXXX- the account is reporting to credit bureaus as charged off and late. " I have settled the account the account with upgrade with paying them {$700.00} " XXXX. Account # XXXX the account is reporting to credit bureaus as charged off and late. " I have settled the account the account with upgrade with paying them {$700.00} "
Product: Mortgage

I have a mortgage with Amerihome Mortgage company. At the moment my mortgage is 2 months behind. I have a water damage claim with them through my homeowners insurance. The date of loss was XX/XX/XXXX. I submitted the endorsed insurance check from XXXX XXXX 1 week after the date of loss. To date I still have not gotten any of the money to repair my home. Ive called in several times and been told something different each time. I was told to send a letter of request asking that the late mortgage payments be taken out of the insurance money and the rest be returned to me for repairs. The request was denied. Then I was told to send a letter stating in detail the issues that I was having providing the contractor documentation. Due to the busy season and my state requirements they ( all 8 contractors that I got bids from ) said that they cant provide all only some of the docs and since they already have lines out the door for work if they did have to provide them, it would push start and completion date out at least a month. I sent the letter in. Again it was denied and no money released. I am now paying a contractor out of pocket to fix my home. I was told then even after proving a signed contract ( pending ) and receipts of items Ive purchased ( also pending ), I will still have to provide waiver of lien and even then I would only get my money back if corporate approves. With 2 denials from corporate already I feel like Im never going to get my money back. Not to mention how stressful this is in the meantime. This is ridiculous. If this complaint is not resolved with full payment to me immediately I will get legal representation. Me and my XXXX year old daughter have been out of our home for over a month and I as a single mom am having to pay for repairs out of my pocket. This is simple unacceptable!
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The last three times I tried to get my free annual credit report from Equifax, my progress was halted with the message, " Online Delivery Unavailable. We are not able to deliver your free Equifax Annual Credit Report  online. '' I wrote an e-mail to them a little over a year ago, and the response e-mail said that I had written to the wrong department, but *without* telling me whom I should actually direct my e-mail to! 

I just tried again, tonight, to get my credit score, but the problem persists. A quick XXXX search of the error message suggests that the error I received is a very common problem, which Equifax apparently can not be bothered to fix. 

Note that I have had no problems receiving my credit report from XXXX and XXXX  ; only Equifax is broken.
Product: Money transfers

Hello, On XXXX XXXX, XX/XX/XXXX, I sent payment via Paypal in the amount of {$750.00} to XXXX at XXXX XXXX for aftermarket XXXX XXXX automotive headlights. XXXX 's company is located in XXXX, XXXX. For months, I contacted XXXX via XXXX messenger regarding the status of my order and why my item has not been shipped. XXXX has continuously promised that my XXXX would be shipped out XXXX, XXXX, XXXX, XXXX of XX/XX/XXXX and XXXX, XXXX, and XXXX of XX/XX/XXXX I have received nothing but excuses and failed promises. I have all records of my correspondence with this seller. More than XXXX, I have asked for a refund. He did not respond. My XXXX attempt to contact the seller was XXXX XXXX. He has still not responded. Unfortunately, Paypal will not let me dispute a claim regarding this transaction. {$750.00} was withdrawn directly from my checking account and sent via Paypal to XXXXXXXXXXXX. His company website no longer exists. His phone number listed on my Paypal website is XXXX. His " Customer Service URL : http : XXXXXXXXXXXX. His " Customer Service XXXX : XXXXXXXXXXXX.
Product: Debt collection

Company in XXXX with the number registered as XXXX called my phone multiple times per day, eventually I was forced to answer. Silence for several seconds, then I was confronted by an XXXX man who refused to tell me who he was or why he was calling until I confirmed who I was. I confirmed, and he then told me he was with American Medical Collection, calling about a debt of {$72.00} XXXX. To my knowledge, I have no current outstanding medical debt, and my medical insurance has never contracted with these people before. Told him to call back later, at which time he offered me a one-time exemption where I could pay a flat {$50.00} XXXX to resolve the debt on the phone, right then and there. I told him no, he promised to call back later. 

I will be blocking this number, and apparently this company has been investigated and sued before for aggressive calling tactics. So, just a heads up, these people are still engaging in these tactics.
Product: Checking or savings account

1.CHASE CHECKING XXXX VIOLATED CONTRACT WITH XXXX XXXX BY CHARGING {$68.00} FOR TWO {$34.00} OVERLIMIT FEES. 

; ; ; ; ; ; ; 2.CHASE CHARGED {$34.00} OVER LIMIT FEE FOR AN ACH CHARGE TO PAY XXXX A BILL PAY. THIS IS NOT PERMITTED UNDER CONTRACT. 
; ; ; ; ; ; ; ; ; ; ; 3.WHEN THERE IS NOT ENOUGH MONEY FOR CHASE CHECKING TO PAY A BILL PAY, FUNDING FAILED SHOULD APPEAR NOT A {$34.00} OVER LIMIT FEE. 
; ; ; ; ; ; ; ; ; ; ; ; 4. XXXX XXXX REQUIRES CHASE TO CREDIT BACK {$64.00} IN OVERLIMIT FEES IMMEDIATELY OR HE WILL SUE CHASE IN SMALL CLAIMS COURT. 
; ; ; ; ; ; ; ; ; ; ; ; ; ; ; 5.XXXX XXXX WANTS THE MONEY BACK RIGHT NOW AND PERMANENTLY NO MORE EXCUSES OR DELAYS. ACH IS NEVER A REASON TO CHARGE OVER LIMIT FEE AND CHASE KNOWS THIS. 
; ; ; ; ; ; ; ; ; ; ; 6. SECOND PROBLEM IS CHASE PROMISED FREE CREDIT SCORE, BUT, OF COURSE, AS TO BE EXPECTED WITH THE BANK THAT SCOUNDREL XXXX XXXX FOUNDED, I NEVER GOT THE CREDIT SCORE. CHASE DISCRIMINATES AGAINST USERS WHO DO NOT HAVE CELL PHONES.
; ; ; ; ; ; ; ; ; ; ; 7.GIVE ME THE {$64.00} BACK PERMANENTLY NOW AND GIVE ME MY CREDIT SCORE RIGHT NOW AND SEND YOUR ANSWER BY USPS POSTAL MAIL AS WELL AS BY ELECTRONIC. 
; ; ; ; ; ; ; ; ; 8.NO MORE EXCUSES FOR FAILING TO ABIDE BY CONTRACT WHICH CLEARLY STATES BILL PAY CAN NEVER BE THE REASON FOR CHARGING ME OVER THE LIMIT. CHASE WAS SUPPOSED TO PAY XXXX BY BILL PAY  BUT NEVER DID.
Product: Debt collection

Financial recovery services inc was sent a debt verification request on multiple occasions through phone fax and mail for a debt for XXXX they ca n't prove the debt is mines and refuse to delete this information from my credit file
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian Credit and spoke to a rep on XX/XX/XXXX rep. The rep refused to give me his name and hungup. I also called back and spoke to another Rep name XXXX whom was really nice but he also refused to give me the name of the rep. He transfer me and someone came to the line and hungup. The rep was very rude and hung up on me. I tried to advised him that i keep sending in proof that the information that they have on file is not me and incorrect. I have sent them proof of where i live and my current name and they refused to correct the information on my report. My current name is XXXX XXXX XXXX and dob is XX/XX/XXXX my address is XXXX XXXX XXXX XXXX XXXX TN XXXX. They have incorrect and false information reporting on my credit report such as a name XXXX XXXX which is not me, nor have i ever used this name.XXXX is the city that i live in. They have a XXXX XXXX which is not me and inaccurate. My name is XXXX XXXX XXXX. They also have an incorrect address XXXX XXXX XXXX XXXX TN XXXX which is not my address and never have been my address, they refuse to remove this address. Its not even an address with that city and zip code in XXXX. I live at XXXX XXXX XXXX XXXX XXXX Tn XXXX. Which i have lived for 38 years, I have sent them a copy of my social security card and address and they still refused to correct and remove this off my credit report. which is inaccurate and incorrect.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> Ally reported to each credit bureau an updated payment history. And as of today on XX/XX/year> Ally has closed the account. When I last filled on the creditor back in XXXX, why wasnt the payment history updated then? The information theyre reporting is inaccurate. It goes against consumer right laws and Acts.
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXX XXXX account was opened in my name fraudulently. I have contacted the credit bureaus, and sent disputes with a police report. I have requested that this fraudulent account be removed from my credit report and the credit bureaus did not remove the fraudulent account. They left it on my credit report showing the account is paid and closed. This was not opened by me so it should not be on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen and there were accounts opened up in my name
Product: Credit reporting, credit repair services, or other personal consumer reports

Per XXXX and XXXX, I notified Checkr of not having my written consent to furnish any information on the consumer report they created about me. Checkr disregarded my letter and did not delete the info I told them to delete/remove. I did not dispute anything and I mentioned that it was not a dispute. Im enforcing my federal consumer rights. 15 USC 1681 my written consent has to be given to furnish any information on a report about me.