23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a sofa online from XXXXXXXX XXXX XXXX. I submit the purchase through XXXX. On or about XX/XX/XXXX, Two delivery men brought an unpackaged sofa to my door with a hole in the back of the sofa. One of the delivery men pointed to a hole in the sofa so I told them to take the sofa back to the store. I never ordered a sofa with a hole in it. They sent me the wrong sofa. The delivery men took the unpackaged sofa and rest it down on the dirty wet ground in the parking lot area. One of the delivery men came back to my house to have me sign a form stating the sofa had a hole in it and it is being returned to the store. The sofa was damaged that is why the men never brought the sofa into my home. I do not have their sofa. Any agreement I sign with them is null and void because you have to prove to me by law you can have someone sign an agreement to accept damaged products in their home and pay for it. 
At this time, XX/XX/XXXX, this is harassment. I would like to know how I can file fraudulent harassment charges against Experian and XXXX... I have also disputed this issue with Experian several times. The solution can not be to pay the bill or you will defame my character since XXXX and you never consider the consumers ' issues. I'm constantly telling this story over and over again since XXXX and nothing is being done.
Product: Credit reporting or other personal consumer reports

After over a year of disputes with XXXX XXXX they failed to provide me with a debt validation but yet reporting negative information on my credit reports. Please provide me a copy of 1099c or provide proof if this debt belongs to me.
Product: Mortgage

I would like to obtain assistance in learning how U.S.Bank operate. I applied for a modification of my HELOC in XXXX of XXXX which was never approved and was told no payment would be due in XXXX of XXXX because the loan had matured. Now it is now XXXX of XXXX and U.S.Bank is still constantly providing incorrect information. XXXX of XXXX I requested a refinance of the Mortgage. I was provided information for the closing and was told I could select the title company. When I spoke the loan XXXX I was told they could not due the refinance and was not given explanation. I did submit the complaint to you. When I inquired about the response from U.S.Bank I was provided a number to otain the information from U.S. Bank. In viewing U.S.Bank 's response they stated I requested CASH OUT which was not true. Presently, U.S.Bank is still very confusing to me as a CONSUMER by sending me a letter dated XX/XX/XXXX and receiving notice from U.S.Bank 's legal Council dated XX/XX/XXXX regarding FORECLOSURE. I definitely need help in understanding how U.S. Bank service 'CONSUMERS ' This is ordeal is basically interfering with my HEALTH!!!!
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 federal protected consumer rihgts to privacy and confidentiality under 15 USC 1681. 
The following accounts are not mine, Transuinion is reporting 2 different social security numbers, been trying for a year calling them and they do nothing. 
XXXX  XXXX XXXX {$5900.00} XXXX XXXX XXXX {$2400.00} XXXX XXXX  XXXX {$13000.00} XXXX XXXX XXXX XXXXXXXX XXXX {$6700.00} XXXX XXXX XXXX XXXXXXXX XXXX {$2100.00} XXXX XXXX XXXX {$630.00} XXXX XXXX  XXXX {$310.00} XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX  XXXX {$1100.00} XXXX XXXX XXXX  XXXX XXXX {$1000.00} XXXX XXXX XXXX  XXXX {$260.00} XXXX XXXX XXXX {$79.00} XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX OF XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX  XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX {$300000.00} XX/XX/2019 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 an 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 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

I wanted to reach out to resolve an issue with a recent credit inquiryon my accountwithout my approval by XXXX  XXXX  XXXX  before I reach out to the credit bureaus and CFPB ( https : //www.consumerfinance.gov/ ). While I am out shopping for a mortgage, I have never applied for a loan with XXXX  XXXX  nor did I authorize a credit check by this lender. 

I want you to be able to resolvethis for me at the earliest. This is outright identitytheft by your company and I want to make sure I reach out to you before I take further actions. 

XXXX XXXX  XXXX, XXXX XXXX. 

XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I logged into my online Chase accounts and discovered that the bank has been charging me {$25.00} fees since XX/XX/XXXX for 2 savings accounts ( which were opened over 10 years ago ) that fell below balance of {$3000.00}. The representative said there were fine print that indicated such fees would be charged should the account balances fall below a certain amount. I was not aware of this and I did not receive any notifications of the charges. As such, my accounts were deducted for a total {$400.00} without my knowledge. Since I called, the bank only reversed 1 fee charge per account but did not reverse any of the prior remaining fees that were charged.
Product: Debt collection

Midland Credit Card service has continued to harass me by continuing to call from several different phone numbers and various state locations at all times of day and at least seven times in a week. 

The credit card debit is over XXXX XXXX XXXX and I had submitted a XXXX XXXX XXXX complaint a few years ago and all communication was ceased for two years. I recently had my information compromised as a result of the XXXX security hack and I am worried this is a scam attempted. 

The account in question was already charged off and was on my credit report from XXXX. 

Thank you for your assistances in this matter!
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX,, 2024 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX fl XXXX XXXX DOB : XXXX Equifax XXXX XXXX XXXX XXXX XXXX GA XXXX I XXXX got a copy of my credit report as I was recently denied for credit. As I was reviewing my credit, I noticed a few inaccuracies and would like your help in correcting these errors. 
There are some inquiries reporting that I have no knowledge of. I have NOT given the listed companies permission or consent to obtain a copy of my report. 
According to Section 604 FCRA, any company that acquires a copy of my credit report as to have permissible purpose or proof that I initiated an inquiry. Please send me communication from these companies of what they consider permissible purpose as I am deeply concerned about who has had access to my credit file. Credit reports are indicators of a consumers credit worthiness and mine is incorrect therefore resulting denials. This is damaging to my financial reputation. 
I also understand that written authorization for all inquiries listed must be documented and proven if reported. If you have NO proof or evidence with supporting documents, please have these deleted immediately. 
If concluded online or internet, please provide the IP Address associated with the authorized inquiry which I seem to have serious doubts it was done. 
I have also contacted the creditor in question and they claim they have NO proof either, of each initiated inquiry, no written authorization documented, and each company has failed to provide to me a permissible purpose or proof and now for me, this is a major concern. Because they do not have my proof of authorization, whether written or verbal, I am demanding you to kindly delete these inquiry ( s ) from my credit report of, because it is unproven, non-compliant, and unverified as there is absolutely no evidence or proof of my authorization of a permissible purpose. 
Section 604 states that a Permissible Purposes of Consumer Reports 15 U.S.C. 1681b ( a ) in Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. I have not applied for any credit recently. 
Please read on : Under 15 U.S.C.? 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any re-investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate, incomplete or cant be verified, the consumer reporting agency shall ( i ) promptly delete.

The following companies don't have permission or authorization to request my credit report : Inquiry details
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX XXXX original creditor : XXXXXXXX XXXX XXXXXXXX / XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting this fraudulent account in my report and TransUnion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, this collection was eliminated and not verified by others bureaus I don't understand how they usually say that this account is mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete this account. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This to me is crazy. XXXX and Transunion have been not complying with Fair Credit Reporting Act ( FCRA ). I submitted a complaint/dispute about the information listed below. I was the victim of identity theft & the account listed below was opened fraudulently & without my knowledge, consent or authority. I provided them with documents which demonstrated this legal issue but they have ignored these documents. They claim they verified the accounts without providing me with any legal documents, contracts or verifiable proof they were opened by me. They are not adhering to section 605b by blocking or removing them from my report. Additionally they are violating sections 616 & 617 for willful noncompliance & negligence. I need these accounts blocked/removed from my credit file per FCRA. I'd like the account removed/blocked per 605b with the attached documents again... IMMEDIATELY!!! 
XXXX XXXX Opened : XX/XX/2016 Balance : {$560.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

Name : XXXX, XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and Accounts : XXXX XXXX, XXXX XXXX.
Product: Credit card or prepaid card

I disputed charges with USAA. USAA refused to honor my credit card agreement and protect its consumer 's rights.
Product: Debt collection

I am a victim of identity theft. The tradeline, which appears on my credit report from KLS FINANCIAL SERVICES last reported XX/XX/XXXX in the amount of {$140.00} does not relate to any transaction ( s ) credit account I have ever had. It is the result of identity theft. I received a copy of my credit reports and discovered this trade line on my credit report. I did not authorize this account or transaction. I did not apply for any credit with this company and have no existing accounts with. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. I have contacted both KLS FINANCIAL SERVICES individually and have not received any reply back In addition, the HIPAA and Arizonas Medical Privacy Statutes and the penalty provisions of the ARRA section D, privacy provisions, the penalty rules of the HITECH Act as issued XX/XX/XXXX and the Omnibus Final Rule effective XX/XX/XXXX and the FACT Act final rules effective XX/XX/XXXX, XXXX.are in effect in this situation. 
The Privacy Rules prohibits a covered entity from using or disclosing an individual 's protected health information ( " PHI '' ) unless specifically authorized by the individual or otherwise allowed under the Privacy Rules.

PHI encompasses substantially all " individually identifiable health information '' that is transmitted or maintained in any medium. " Individually identifiable health information '' includes health information that is created or received by a health care provider, health plan, employer, or health care clearinghouse, and that relates to an individual 's physical or mental health or condition, including information related to an individual 's care or the PAYMENT for such care. 

KLS FINANCIAL SERVICES, is not in compliance with HIPAA, or Arizonas Privacy Act, and any subsequent reporting of this account on my credit reports to XXXX, XXXX and XXXX  is a clear violation of Public Law 104-191 ( " HIPAA '' ) since there can be no permissible business purpose in divulging protected health information to anyone on an account once there is no longer any payment due.In addition the new Omnibus Final Rule states : when patients pay out of pocket in full, they can instruct their provider to refrain from sharing information.This letter serves as that instruction You are required under the FCRA and FACTA to accurately report the status of any account to the credit bureaus, and you are prohibited under the HIPAA and State privacy regulations from doing so on a PAID account, as there is no longer any permitted business purpose.

You are also advised that you may be in violation of the Notice of Proposed Procedures for Charitable Hospitals to Correct and Disclose Failures to Meet Section 501 ( r ) of the Affordable Care Act.

Please respond, in writing within 10 days that you are processing this request.

I am reserving the right, to take appropriate legal and civil action including reporting to any applicable regulatory authorities any lack of cooperation or compliance with this request.
Product: Payday loan, title loan, personal loan, or advance loan

This company is in violation of credit discrimination. I was denied however, I meet the credit requirements. The reason for the denial states : history of credit, age and no authorized user accounts. I have a XXXX credit score and my age should not be a factor. Unfortunately, I do not have access to authorized user accounts because family and friends do not meet standards. I am looking to build my credit history, but this company will not approve me for loans/lines of credit. This company is in violation of Title 15 subsection 6:11 false and misleading denial of my own credit. I demand a reversal and to be approved for credit.
Product: Debt collection

XXXX XXXX XXXX XXXX, AS TRUSTEE FOR XXXX XXXX XXXX MORTGAGE PASS-THROUGH CERTIFICATES, SERIES XXXX has repeatedly misrepresented that i : owe monies to it when i : don't. 
There is a form demanding disclosure of the certificate holders and a requirement that they file an affidavit stating that they are beneficiaries of the deed of trust and agreeing to which other beneficiaries, owning more than 50 % of the beneficial interest under the deed of trust may represent all of them. 
Since there is absence of an agreement then that all holders of the certificates must be disclosed. If someone claims to represent the holders of certificates that party would need to show the source of its authority to directly represent the certificate holders. Please note that certificate holders are not, contrary to popular error, beneficiaries. 

Since XXXX XXXX XXXX XXXX, AS TRUSTEE FOR XXXX XXXX  XXXX MORTGAGE PASS-THROUGH CERTIFICATES, SERIES XXXX by and through its silence has admitted that the beneficiaries are nonexistent of a non existent REMIC Trust, then why is it i : am being harassed, intimidated, stalked and threatened by XXXX XXXX XXXX XXXX, AS TRUSTEE FOR XXXX XXXX  XXXX MORTGAGE PASS-THROUGH CERTIFICATES, XXXX XXXX and its culprits? 

XXXX XXXX XXXX XXXX, AS TRUSTEE FOR XXXX XXXX  XXXX MORTGAGE PASS-THROUGH CERTIFICATES, SERIES XXXX must either comply with California Civil Code - CIV DIVISION 3.  OBLIGATIONS PART 4. OBLIGATIONS ARISING FROM PARTICULAR TRANSACTIONS TITLE 14. LIEN CHAPTER 2. Mortgage ARTICLE 1. Mortgages in General 2941.9 Universal Citation : CA Civ Code 2941.9 ( 2013 ) as stated above OR quite the title to my private property, stop harassing, intimidating, demonizing, stalking and threatening me.
Product: Debt collection

Received call from MRS BPO LLC and they hung up on me. I'm on the do not call registry and I went online to find out who this company is and it says it's a debt collector and I do not owe any debts of any kind so I tried to call them back and reach them and the phone rang for over 10 minutes with no answer. They have called me in the past and I've blocked numbers that they've called from and they always hang up on me I feel like they're trying to verify that it's a legitimate phone number and maybe sell my information because I otherwise don't understand why they would call and then hang up on me if they were trying to collect a debt and like I said I do not owe any debts of any kind My credit score is perfect I pay everything on time and always have.
Product: Credit reporting or other personal consumer reports

There are still things that need to be blocked or deleted, but I appreciate your help in getting some of the unlawfully obtained data from my credit file removed. In compliance with FCRA section 605 of the regulations, you have to delete any records mentioned in an ID THEFT REPORT. Since I proactively remembered it for a prior letter, I am including this report again. My counsel has been made aware of my plans, and they are prepared to hold you responsible for your continuous disobedience. 

XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

Case Subject : FAILURE TO PAY PROCEEDS IN A TIMELY MANNER Case Description : MY CD MATURED FRIDAY, XXXX/XXXX/2016. AS OF TODAY 'S MAIL, XXXX/XXXX/2016, I HAVE NOT RECEIVED MY MONEY. ON XX/XX/XXXX I CALLED THEM TO INQUIRE AND TO CLOSE MY ACCOUNT. ON XXXX/XXXX/2016, TODAY, I RECEIVED MY {$5.00} FOR CLOSING ACCOUNT DISPUTED AMOUNT : {$10000.00} DESIRED RESOLUTION : SANCTION OR FINE THEM. THEY HAVE OVER {$10000.00} O MY MONEY TO EARN INTEREST ON FOR THEM, NOT FOR ME.
Product: Credit reporting

The bank sent me XXXX letters and XXXX emails stating that i should submitt my country of citizenship and that its required by law for the card they gave me XX/XX/XXXX .when i called to give to them i was told i called the wrong department .they gave me a different number to call and i called the representative that handled that case started asking me questions and i stoped answering them and asked her if i was reaplying for this account And she told me no .she assured me it was not reaplying its a requirement to keep update what they dont have. She promissed its not reapplying for that account .i went ahead and answered the questions she was asking and when i was done she told me its updated but not open so i keep on paying the amount they send on the mail i said ok and the call ended .but that evening i received an email stating that i got a hard inqiry in my credit account from XXXX XXXX XXXX .i called the bank and complained they told me their is nothing they can do and i requested a supervisor .they gave me a supervisor whom i told what happend and he told me that inqury was legitimate .i explained that i called the bank to give my country of citizenship i wasnt applying because i have been having the card since XX/XX/XXXX .he told me at that point thats final .i told him to listen to the conversation that we had with the representative he said he will listen at it and update me .after fiur days he called and told me he had me ask if that was applying another account but still he told me its legitimate .i have attached the card from XXXX XXXX XXXX
Product: Credit card

A charge of {$1200.00} was made to my Costco CitiCard on XX/XX/year> for a transaction with XXXX XXXX. 

I have never used this card for any charge whatsoever, including this charge. 
I submitted a complaint to CitiBank. They provide me with a phone number to contact XXXX XXXX. The number is no longer in service. I can not locate another means to contact XXXX ( either phone or e-mail ). 

CitiBank has determined that I have provided insufficient information to resolve my complaint, and the charge will remain open and accrue interest.. 

Since I did not make the alleged transaction and can not contact XXXX, I have no way to clear this charge from my account. 
I have requested a new card with a different account number from Citi.
Product: Payday loan, title loan, personal loan, or advance loan

I have lost hours at work and could no longer pay off my loans in the amount totaling {$1200.00}. I requested either a further forbearance or help in consolidating these loans. I used up all of my forbearances, and asked an Affirm agent for help. They said they could no longer help me and refused to help me set up any kind of consolidated payment plan so I can make small monthly payments on what I owe.