23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

As of XX/XX/XXXX an alleged creditor by the name CENTAL PORTFOLIO CONTRO is reporting an account on my consumer XXXX credit report in the alleged amount of {$2200.00}. XXXX was in receipt of dispute letter on XX/XX/XXXX @ XXXX EST. There is an alleged original creditor listed as XXXX COMPANIES. Which makes CEBTRAL PORTFOLIO CONTRO a third-party debt collector. This account is not mine nor is any alleged debt mine, nor do I have any contract to do business with CENTRAL PORTFOLIO CONTRO. I have written a certified mail letter to XXXX and the CFO for XXXX to verify the accuracy of the alleged account and alleged debt dated XX/XX/XXXX titled " Notice of Dispute Demand for Validation and Proof of Claim ''. As of XX/XX/XXXX XXXX has failed to provide consumer with any accurate validation in writing pursuant to the Fair Credit Reporting Act, XXXX XXXX. XXXX, I expressed my right to demand that XXXX disclose to me all of the documents they have recorded and retained in consumer 's file at the time of request concerning the alleged account that XXXX is reporting on my credit report. XXXX can not just reply in writing stating that XXXX has verified any alleged accounts without providing the supporting full disclosure documents of how XXXX has verified any alleged accounts or any alleged debts. I have not seen nor received any documents to support CENTRAL PORTFOLIO CONTRO claims, nor any documentation from XXXX for them to be reporting this alleged debt on consumer 's credit profile, which has violated and damaged consumer 's credit worthiness dropping score XXXX points. By publishing these inaccurate and unverified items on my credit report and distributing them to XXXX parties you are damaging my reputation and credit worthiness, and I will seek damages if they are not removed because XXXX was unable to provide the necessary documentation.
Product: Student loan

To Whom It May Concern, I have reviewed my credit report from all three credit bureausXXXX, XXXX, and XXXX I am currently working toward significant financial goals, including investing in my first home for my children and me. In doing so, I want to ensure that all information reported on my credit file is accurate and up to date. 

I am writing to dispute an inaccurate item on my credit report. It is important to me that everything reported is 100 % correct. I recently read an article on a credit site and board where a lawyer mentioned that credit bureaus have 30 days to complete an investigation into disputes. 

I kindly request that you investigate the following accounts on my credit report. If any information is missing or incorrect, please take the necessary steps to correct or remove it. 

Accounts : Account Name : XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct, If not please remove it from my credit report. 

Account Name : XXXX Account Number : XXXX This account is showing on my credit report four times.

Please investigate if every piece of information is correct, If not please remove it from my credit report.

Account Name : XXXX XXXX Account Number : XXXX This account is showing on my credit report two times.

Please investigate if every piece of information is correct, If not please remove it from my credit report. 

Account Name : XXXX XXXX Account Number : XXXX This account is showing on my credit report two times. 
Please investigate if every piece of information is correct, If not please remove it from my credit report. 

Account Name : XXXX XXXX Account Number : XXXX This account is showing on my credit report two times. 
Please investigate if every piece of information is correct, If not please remove it from my credit report. 

Account Name : XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct, If not please remove it from my credit report. 

Account Name : XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct, If not please remove it from my credit report. 

I am disputing this information because the school I attended, [ Name of the School ], has since been shut down due to inaccurate advertising that it was accredited at the time I was enrolled. This misleading information directly impacted my decision to attend and subsequently take out loans for my education there. It is now clear that the school was not properly accredited during that period, making my student loans the result of a fraudulent misrepresentation. 

Please remove or correct the disputed information at your earliest convenience. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate my dispute and respond within 30 days. Please provide written confirmation that you have corrected or removed the disputed item from my credit report.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report. 


2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number XXXX XXXXXXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a paid XXXX XXXX reporting on my credit file that should have never become a XXXX, as it was paid prior to being placed in XXXX status. I have disputed this reporting with the other two credit reporting agencies and after investigating, they ( XXXX and XXXX ) both removed the inaccurate information. I sent a total of for letters to Equifax, certified with return receipts requesting this inaccurate " paid XXXX XXXX '' be removed from my credit file. After the first two letters, they responded stating the information was correctly reporting. On the third and fourth letter, they stated XXXX confirmed the XXXX XXXX was in fact reporting correctly. In my letters, I clearly referenced section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. Specifically, their obligation to physically verify through through signed documents from the original creditor that validity of this XXXX ; not another reporting agency like XXXX. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. After almost four months and four letters later, they are still in violation of the FCRA.
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX 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: Checking or savings account

On XX/XX/XXXX I noted in my personal back account that there was an unauthorized charge for XXXX from XXXX that I never signed up for. I initially called XXXX and they said I needed to call my bank for refund but were otherwise not helpful. I then noted that over the last year, starting XX/XX/XXXX there were a total of 7 charges of XXXX with varied XXXX accounts at varied dates (no pattern or specific day of the month) that I was charged = approx $100 total. I called Chase (my bank) to explain and they called XXXX with me on the call to get more information. Per the XXXX representative, my identity was stolen and this account was set up in XXXX (I have never been nor do I know anyone there) and since it was "such high level hacking" there was nothing that they could do. Chase than also said that all they could do was get me a new debit card and refund 1 change for XXXX only (which of note has not yet been done even though they mailed me a letter which I am happy to provide). As you can tell I have several issues both with XXXX for their inability to help in anyway and with Chase for their inability to assist with my hacked account beyond sending a new debit card. Please also note that the conversation with XXXX and chase was recorded by Chase so they should have this on record.
Product: Credit card or prepaid card

I booked a stay at the XXXX XXXX XXXX in XXXX XXXX, SC for XX/XX/XXXX through XX/XX/2021 using Chase Ultimate Rewards Travel. The reservation was for an ocean view suite with two double beds. When we checked in, we were given a " sunset view '' ( city side room ) with 1 bed and sofa bed. We complained to the front desk. They did not have an ocean view suite available to move us to. We asked about why our room was not correct. They said that the booking came in through agoda.com as a sunset view room. I immediately contacted Chase concerning the issue. They told me that they agreed that I had made a reservation for an ocean view room and that they would look into the matter. 
After numerous phone calls to Chase, they are still " investigating '' the issue. The response is always, call back in another 24 to 48 hours for an update. This has been going on for over two weeks now. They talk about refunding my points, but that has not happened. I asked for the matter to be escalated to another management level over a week ago. That has still not happened. 
In addition, when I checked in at the hotel, I was charged an additional {$94.00}. The bill was unitemized so I could never determine exactly what it was for. The hotel employees kept changing the story as to what the charge was for. I asked for an itemized bill at the front desk, but they refused to give me one. At one point, a front desk worker claimed the bill was for resort fees, although the total amount was greater than expected cost for resort fees. In any case, I complained about issues with the hotel ( including room phone not working, heater broken in hot tub ) and the employee agreed to remove the charges, but would not offer a receipt for that. I do have an audio recording of her making the statement about refunding the fees. As far as I can tell, the hotel has not refunded the fees yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I have a loan with XXXXXXXX XXXX. I have always made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with all three ( 3 ) credit reporting agencies & they too are withholding any verifiable proof, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Transunion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and Transunion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I believe their records are wrong & Id like this matter handled ASAP. Please update to paid as agreed/never late. 
XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/2007 Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I need you to attend following shown items in this letter which contains data taken directly from my credit report which you have provided TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Delete this unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C 15 U.S.C. 1681 ET SEQ.Section 604 of Fair Credit Reporting Act. 

Once you have fulfilled my request, mail me and updated credit report reflecting these changes.
Product: Mortgage

We were in the process of having a new home constructed and closing on the home was set for XX/XX/2019. We where shopping around for the best rates and after contacting an officer with Garunteed Rate we decided to go with them. That individual told us we would receive the below ( taken directly from an e-mail he sent XX/XX/2019 ) : OPTION 3 30 Year Fixed XXXX Loan Amount 4.500 rate (  paying XXXX points ) XXXX / month ( principal + interest ) PMI = XXXX / month **I give you {$2500.00} in Lender Credit with this option, which brings the total lender fees down to {$0.00} **I give you an additional {$1200.00} in Credit towards the remaining 3rd party closing costs : Appraisal, Title, Government Fees I followed up a few times about the credits and the {$1200.00} he mentioned. I sent an e-mail dated XX/XX/2019, and another on XX/XX/2019. The first time he told me the credits would be paid outside of closing ( POC ). After inquiring closer to the closing on XX/XX/2019 I was told we were only getting a {$2500.00} credit, and the " additional {$1200.00} in Lender Credit '' was not actually an additional credit at all, it was what would be left from the XXXX credit after applying that credit towards their ( Garunteed Rates ) lender fees. 

The original e-mail stated the credits in a way that they were two completely separate credits we would receive that could be applied towards different closings costs. However, when I tried to ask about them a few weeks after I was told not to worry about them and they would be paid closer to closing. It was only after my last inquiry near closing I was told these were not 2 separate credits and he tried to blame me not understanding for the poor wording he used. I believe he intentionally worded it the way he did to make the deal seem much better than it was, and tried to brush my inquiries about the credits aside until close to closing when we would be unable to get out of the loan without suffering substantial loses.
Product: Payday loan, title loan, or personal loan

I applied for a loan of XX/XX/23 after receiving an emailing stating I was prequalified. I applied and was approved for an installment loan of {$4300.00} and a LOC over XXXX. I decided the installment loan and went forward with signing of a contract. I was given a loan no and an acct # Loan No. : XXXX Account ID : XXXX. This company then did a hard pull on my credit file with the bureaus.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX with a balance of {$3100.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

i have reviewed my credit reports and notice there is inaccurate late payments reporting to each credit reporting agency. name of account XXXX XXXX XXXX XXXX late payments reporting on the same day, but different days late. I am certain that i was never late on these dates. i am XXXX XXXX XXXX an looking for help to investigate this matter Account Name XXXX XXXX XXXX Account # XXXX Dates reporting inaccurate XX/XX/year> 60 days late equifax XX/XX/year> 30 days Late XXXX XX/XX/year> 30 days late XXXX
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Here I attach, along with the dispute, my fraud report that I just sent to XXXX y XXXX for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity
Product: Credit card

Mid XXXX this year I ordered from Apple with the Apple Card XXXX and an Apple XXXX. I received the AirPods which I returned XXXX but the Apple XXXX I canceled and mid shipment it was redirected back to XXXX and that was through UPS. They keep trying to tell me they didn't receive it and then someone told me they received it at the warehouse but it has to process and they remove these charges completely from my account, they keep sending me harassing emails requesting information I don't have they should have all the documentation through Apple and through the Apple card. I have called so many times and spent hours on the phone with them thinking it's resolved only to get another email saying that they need information in a few days. This has been very stressful and has caused me considerable upset
Product: Credit reporting, credit repair services, or other personal consumer reports

I send this complain to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

This is the list of account which do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I've had a debt collector by the name of XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) that received my medical bill from XXXX XXXX XXXX XXXX without my consent. This includes my social security number, date of birth, and address, which is private information that I did not consent to giving. I did not consent to XXXX XXXX XXXX to share my information ( social security number, phone number, address, and date of birth ) with the debt collection agency XXXX XXXX, XXXX. This is a HIPAA violation, specifically unauthorized disclosure of Protected Health Information ( PHI ). I was also harassed numerous amount of times with phone calls from this debt collector agency. This is in direct violation of the FDCPA which states that debt collectors are prohibited from using abusive language, threats or harassment. I paid them a total of {$100.00} with four payments of {$25.00} on the dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX of 2023. I was even told after finally responding to the harassment of calls that I would have to pay {$150.00} at first. I told them I couldn't possibly do that and {$25.00} would be the best I could do. Now they have sent this medical debt to another company under the legal name Central Portfolio Control.
Product: Credit reporting or other personal consumer reports

I have no association to these accounts origination or use. I never authorized these accounts opening. But these accounts are on my credit report and has been affecting my score.