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

Subject : Complaint Regarding Unauthorized Hard Inquiry from CoreLogic Credco To whom it may concern, I am writing to file a formal complaint regarding an unauthorized hard inquiry on my credit report from CoreLogic Credco. Upon discovering this inquiry, I contacted the company, and they requested sensitive personal information, including my Social Security number. I found their request suspicious and declined to provide this information. 

CoreLogic Credco suggested the inquiry might be related to a home loan application, but I have never applied for such a loan. Therefore, this inquiry is factually incorrect and must be removed from my credit report. 

I request a full investigation into this matter, including the identification of the party who initiated this inquiry. I expect a prompt resolution and a written response detailing the steps taken to rectify this situation. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I found some fraudulent inquiries on my credit report and I asked them to investigate this and they haven't done anything yet.
Product: Credit card or prepaid card

Yes I've been complaining and filing a dispute with chime banking against ring yearly plan, ever since XXXX of this year. I've contacted the chime dispute team multiple times on the phone and through emails about this dispute, in the past chime for the most part will honor any unauthorized transactions. but this particular transaction for {$39.00} they refused to believe that this is unauthorized transactions. they keep asking me to provide them information that I can't give them, because I have no dealings with this merchant! money was taken out of my account after midnight, without my permission I do not have a contract with ring yearly plan. there's still companies trying to take money out of my account after midnight and I've been asking Banks and other institutions to put blocks on these merchants. I'm also disputing with chime pertaining to {$100.00} that was taken out of my account from XXXXXXXX XXXX XXXX XXXX which happened XXXX XXXX XXXX XXXX. I need that money redeposit it back into my account that company is located in XXXX XXXX  I contacted Chim immediately when I found out this happened but now they claim they don't see it nowhere in the system meaning whoever I spoke with didn't file my dispute against XXXX t gas station so this will probably be a later complaint that I will file if this money is not honored into my account but for right now I like for your assistance for trying to put the {$39.00} back into my account like I've been asking them to since XXXX of this year. XXXX t gas station, off of XXXX and XXXX XXXX. my contact number is XXXX, if anyone need to contact me. but, yes, I would like to file a complaint against chime banking for not honoring my request for this unauthorized transactions from ring yearly plan in the amount of {$39.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a human being, I have rights under 15 USC 1681Equifax is govern by 15 USC 168, and they violated my rights numerous of time. I demand the accounts listed below be removed because, according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
XXXX XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX  XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number XXXX  XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number xxxxxx XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX ( CLOSED ) Account Number XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified of a negative remark on my Equifax report for collections of an insurance policy that I never opened nor am I affiliated with in anyway. I quickly disputed the remark, which took 30 days to receive an answer sent original dispute on XXXX. Upon receiving the final decision on XXXX Equifax decided that I am still liable for the claim, and they did not remove it. I called the company and questioned them and they were not able to help me in anyway, they told me to contact other parties involved, which I had already done, and realized that they had the wrong person. My address didn't match, my SSN did not match, my DOB did not match, and neither did my drivers license number. I explained this to them, and they told me nothing they can do. The amount of the delinquency is {$370.00}. Also, upon Equifax receiving the claim from the collection agency XXXX XXXX XXXX XXXX XXXX they updated my personal information with what was on the documents, rather than realizing it was not the correct person. ( Which could be illegal ). None of the information lines up, each party has something different, and none of it matches to my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed to the credit bureau the reasons why  XXXX   XXXX   XXXX  located in  XXXX   XXXX , MN should not be on my credit bureau. I sent this  XXXX  of  2016 , It has been a year yet I have not received any feedback but yet this is still on my credit report!
Product: Debt collection

By debt collection letter dated XX/XX/XXXX and annexed hereto as Exhibit " A '', XXXX XXXX XXXX ( " Debt Collector XXXX  '' ) by and through the latter 's employee / partner ( XXXX XXXX XXXX ) ( "  Debt Collector XXXX '' ), on behalf of PHH Mortgage Corporation ( " Debt Collector PHH '' ), refused to provide me with the monthly mortgage statement for XX/XX/XXXX by declaring, in relevant part, that : ( 1 ) I was not entitled said statement because I did not sign the note associated with said statement ; and ( 2 ) the statement  for XX/XX/XXXX was provided and is sufficient enough. 

Hence, the foregoing recital of the statements made by Debt Collector PHH by and through Debt Collector XXXX  and Debt Collector XXXX within the XX/XX/XXXX communication displays their blatant and willful violation of federal law under 12 CFR 1026.41 et seq. wherein the latter requires that I receive a monthly mortgage statement and the foregoing offenders refuse to provide me with the statement for XX/XX/XXXX when I signed the security instrument associated with the transaction in dispute as a " co-borrower '' and wife of the late XXXX XXXX who was the sole obligor under a certain note dated XX/XX/XXXX. 

Additionally, as displayed within the foregoing communication from Debt Collector PHH by and through Debt Collector XXXX  and Debt Collector XXXX, the latter falsely stated that I defaulted upon the subject transaction as of XXXX XXXX when, at all relevant times : ( 1 )  said statement contradicts the XX/XX/XXXX date of default declared under penalty of perjury by Debt Collector PHH 's predecessor Litton Loan Servicing LP ( " Litton '' ) to the Superior Court of New Jersey by way of foreclosure debt collection complaint filed on XX/XX/XXXX ( the same day my husband died ) under Docket No. : XXXX ( See Exhibit " B '' ) ; and ( ii ) is both false and deceptive because you are continuing to omit and conceal ten ( 10 ) checks totaling {$15000.00} that were paid to and cashed by Litton for XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX ( See Exhibit " C '' ), without Debt Collector PHHs predecessor Litton crediting said payments to the subject account. ; and ( 2 ) Debt Collector PHH, Debt Collector XXXX  and Debt Collector XXXX continue to omit and conceal three ( 3 ) checks totaling {$5100.00} that were paid for XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ( See Exhibit " D '' ) and returned by Debt Collector PHHs predecessor Litton without any legitimate reasons or explanation. 

Additionally, Debt Collector PHH by and through Debt Collector XXXX   and Debt Collector XXXX continue to ignore my response to produce payments made for XX/XX/XXXX through XX/XX/XXXX prior to the falsely declared XX/XX/XXXX date of default set forth within their XX/XX/XXXX communication enclosed hereto as Exhibit " A ''.
Product: Credit reporting or other personal consumer reports

I disputed incorrect information contained in my credit report in a letter dated XX/XX/23 ( please see enclosed copy ). I understand that, under the Fair Credit Reporting Act ( FCRA ), I am entitled to timely response from your bureau. Please take notice that I must receive a corrected copy of my credit report with the changes I have outlined within five ( 5 ) business days from receipt of this letter, or I will be forced to take legal actions under the FCRA, seeking damages for loss of credit and for the mental anguish your bureau has caused me. Because of your violation of the FCRA 's time frame on such timely responses, it is safe to believe that the information I have disputed has been corrected and all negative data have been removed from my credit report. I thank you for your kind attention to this matter and hope to receive my updated credit report soon. The account in question is XXXX XXXX XXXX XXXX XXXX.
Product: Credit card

My account shows a deferred interest plan in the amount of {$65.00} for the concept of " Sales Tax ''. The transactions on the account do not show any purchase of {$65.00}, however, my balance account reflects this charge. I complained via fax since this is the only way they accept charge disputes. They answered me in XXXX saying that they solved the matter and the new balance would be reflected in the account the next month. To this day, I still have this spurious plan for a " Sales Tax '' that is accruing interests.
Product: Credit card

This complaint is about Barclays XXXX XXXX and the JetBlue Plus credit card. 
The problem began because I had virtually no income from XX/XX/XXXX to XXXX XXXX due to the XXXX XXXX hacking. I work as a rXXXX XXXX XXXX XXXX XXXX XXXX and payments from insurance companies comprise most of my income from this position. Insurance did not pay for almost 2 months due to the XXXX XXXX hacking and I received payments of 10 % of my earnings or less from my job from XX/XX/XXXX to XX/XX/XXXX ( I can demonstrate this with bank statements if necessary ). 

Until XX/XX/XXXX, my maximum monthly payment had been {$210.00} and I sometimes paid more, like my last payment of {$230.00} on XX/XX/XXXX. I acknowledge that this payment was late and that's because, like I said, I had not gotten paid since XXXX. I called Barclays to let them know I was going to have problems making my payment due to the XXXX XXXX hack and all they said was that they hadn't heard of it and they hoped I could make my payment in time. 

Instead of helping me, in XX/XX/XXXX they doubled my minimum payment to over {$440.00}. 
The same month they lowered my credit limit from XXXX to XXXX. My credit card usage was at XXXX so what I understand from this is that they did it on purpose to make sure I would go over my limit. 

I was not able to pay the {$440.00} and I became late on my payment. Now, on XX/XX/XXXX, my monthly payment is up to {$820.00} and I can not afford that either. 

Barclays keeps sending me emails saying to log in to their site to set up a payment plan but then when I log in it says Im not eligible ( see screenshots ). 

It is my understanding that Barclays has acted unfairly by lowering my credit limit when they saw I was close to it and simultaneously doubling my monthly payment. 

What I want from them is for them to give me the fair chance to set up a payment plan at my previous payment of {$250.00} or less. 

On XX/XX/XXXX the Barclays Document Center no longer shows the letter where they lowered my credit limit. Looks like they erased it so I wouldnt be able to access it any longer.
Product: Credit card or prepaid card

I called American Express serve card on XX/XX/XXXX informing the customer service professional and account security fraud department that I was having trouble accessing my online account due to the fact the security 6 digit code thingy kept coming in slow and everytime I try to resend another code a new code will come an it wont work then lock me out my account then I lost my card and I was trying to transfer money to an sub account until my primary account card come through the mail. But I have spoken to 5 different customer service representative they were all rude and disrespectful on the phone. They hung up in my face when Im trying to resolve my account I had verified my account and also my pin code and still locked out of my account. I ask to speak to an supervisor and everytime I ask they hang up and when I call back they put the phone on hold for 2 or 3 seconds an impersonate as a supervisor an still no help. I ask to get corporate number to make an complaint I was told they do not have a corporate email them. I just want to be able t no access my funds I have a XXXX XXXX  daughter and I cant get her the things shes need because I cant access my money and the run around about unlocking my account
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX a 30 day late payment was reported on my Transunion credit report on a loan with the company XXXX XXXX. This was not accurate and I opened a dispute with Transunion and provided documentation that showed the payment was not 30 days late as reported and requesting it to be removed. Approximately 30 days later I received an email stating that the investigation had been completed and as a result the late payment was removed from my report. I checked my report and confirmed it had been removed as stated. Four days later on XX/XX/XXXX I received a credit monitoring alert stating that a 30 day late had been reported. When I checked my Transunion report, the same 30 day late that had been removed on XX/XX/XXXX had returned. I called Transunion and was told that while their investigation did in fact remove the late payment, it was re-added on the next monthly update from the lender. I asked for it to be removed again as it had just been investigated and found to be invalid just a week earlier and was told that Transunion can't remove items from my credit report. I questioned that since they had just removed it 4 days earlier and I was again refused and told I would need to open another dispute to have it investigated. Transunion has told me that I will have to open a new investigation literally every month going forward to have this removed each time individually. This is ridiculous. I opened the dispute, Transunion performed their investigation and determined the report to be invalid and they removed it. Now 4 days later it's back and they are telling me they can't remove it or block it from recurring. I am asking for the CFPB 's support in getting Transunion to remove and permanently block this reporting as it was already determined invalid by their own investigation.
Product: Credit reporting or other personal consumer reports

I've tried to contact Credit acceptance several times regarding them running a credit inquiry on my credit report twice a month without my permission. I haven't heard back from them and I haven't gotten any answers!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I SENT DISPUTING LETTER TO EXPERIAN AND NOTHING HAS BEEN CHANGED ON MY REPORT. 
AND ONLY EXPERIAN HAS REPORTED I received a copy of my credit report and found the following items to be errors. Here as follows are items in error : 1. Mistaken Identity XXXX Account Number : XXXX Please investigate and delete from my credit report. 

2. Mistaken Identity XXXX Account Number : XXXX Please remove this account from my credit report immediately! 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify.
Product: Credit card

In XXXXXXXX XXXXf 2016, I went through a bad divorce and was forced to file XXXX, which was also discharged in XXXXr XXXX  2016. XXXX years AFTER my XXXX was discharged, Citi extended me a XXXX XXXX with a {$8000.00} limit. The bill has never been late, over limit, or had a retuned payment. Yet when I ask to increase my credit limit, I am auto declined because of the 2016 XXXX, which makes no sense as there was no problem giving me a credit card with that on my credit. I have called in several times and been escalated yet nothing has been resolved, no one has called me back as promised. One Manager even said for all the trouble they were crediting my cash back {$50.00} as an inconvenience, yet that also has not happed. My XXXXXXXX XXXX XXXX are complexly inline for credit underwriting considerations, nothing on my credit has been late or any finances issues since that XXXX in 2016. This is a violation of Reg B as I have asked multiple times to have a human underwrite my requests since a computer can not seem to make an exception.
Product: Debt collection

I received a phone call on XX/XX/2024 from Columbua Debt Recovery LLC DBA Genesis. I told the representative on the phone that I would deal with this matter only by mail. I still have yet to receive anything by mail from them. I have nothing in formal writing claiming it's my debt and they just called again on XX/XX/2024. I sent them to voice mail and they left a message.
Product: Mortgage

Mortgage was held by Stearns Lending in my wife 's name only. ( Both our names were on the house title. ) My wife passed away in XX/XX/XXXX and Stearns was notified. The mortgagor 's name was changed to " The Estate of ... ''. I continued making the mortgage payments under this arrangement until XX/XX/XXXX when I bought the loan from Stearns. Stearns sent a check to The Estate of in the amount of {$1000.00} which I believe was a refund of funds impounded for property taxes. I spoke with a Stearns representative on XX/XX/XXXX and asked that the check be reissued in my name. The rep was to send an email to their Escrow Department. A month passed and there was no communication from Stearns. I called again on XX/XX/XXXX and spoke to another representative. She acknowledged my previous call about this issue. After she consulted with a supervisor, I was told that the check could not be reissued in my name since I was not the mortgagor. She said that the loan was not assumable, which is true. I asked what would happen to the money I paid for property taxes and she did not know.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX all three credit reporting agencies XXXX, XXXX  and XXXX, noted a hard pull on my credit from Factual Data/ XXXX XXXX 1 ) I have made no such requests for a hard pull of my credit, online or otherwise. 2 ) I am an XXXX XXXX and was in Michigan in the midst of XXXX an XX/XX/XXXX series on elder abuse XXXX XXXX   XXXX so I would not have had the time to make such a request. 3 ) I am renting at present with no plans to purchase a home. 4 ) I have worked diligently to repair my credit following a XXXX bankruptcy. I, therefore, do not authorize hard pulls unless I intend to secure a new line of credit. 5 ) The hard pull on my report resulted in a two-point drop in my score at all three agencies. It will take until XX/XX/XXXX for this hard pull to no longer to affect my credit. I contacted all three credit agencies to file a dispute and they informed me I would need to reach out to Factual data directly. I did so on XX/XX/XXXX and was told by an abrasive customer service representative that they had no record of any of the banks or companies with which they do business requesting such a hard pull on my credit and that I " must have requested it online. '' When I told them that I had not, they informed me to take it up with XXXX XXXX. After two days of going back and forth with a customer service rep. I received a call from XXXX XXXX on behalf of XXXX XXXX. He informed me that none of XXXX XXXX XXXX mortgage brokers had authorized such a pull and that it " happened online. '' When I informed him that I had made no such application, he replied " we get a lot of people saying that so it is company policy not to remove the inquiry '' ( basically inferring that I was lying. ) He added that even if I could prove I made no such action there was a " 99.9 percent chance we will do nothing. ''
Product: Debt collection

On XX/XX/2020 at XXXX, XXXX XXXX XXXX MCOA called me about a debt collection. They could not provide me with my address and told me they had been sending letters to a different address. I told XXXX to not contact me further over the phone. I followed up the conversation by emailing their information line which was provided to me over the phone and told them to not continue soliciting me over the phone but instead mail any future communication. On XX/XX/2020 at XXXX, XXXX XXXX from MCOA called me about this debt collection. When I asked them what MCOA stood for, they disconnected the line. I then called the number back and informed them of my prior request to not be communicated with and confirmed that they were not calling to inform me they were ending communication with me or pursuing legal action. They have also conducted multiple back-to-back phone calls and when I attempt to screen them with my phone which allows for a transcription, they disconnect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the credit bureaus on XX/XX/XXXX via certified mailed and they responded back on XX/XX/XXXX stating that all accounts are verified.my credit report is still showing inaccuracy. I sent the bureaus letters again on XX/XX/XXXX and sill nothing has change.15.U.S.C 1681S ( 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.
Product: Debt collection

Ever since I said collections took over my debt account. I get constant abusive calls. They start very early in the morning sometimes XXXX AM my time when I tell them to take me off of their list because theyre not calling at the right time they tell me things like XXXX XXXX XXXX or XXXX XXXX XXXX and Im tired of it
Product: Credit reporting, credit repair services, or other personal consumer reports

ChexSystems refuses to remove outdated entries