23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXX We ended our XXXX XXXX XXXX service due to poor service, reception and connectivity issues at our home area. We returned our phones to XXXX XXXX XXXX as directed by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX are claiming they only received XXXX of the XXXX phones ( they were sent together in the same box ). 
XXXX XXXX XXXX tried to charge us {$630.00} for the missing phone and we refused based upon our returning it via XXXX. We were advised to go to XXXX to get another receipt, the XXXX store in MI advised they can not put up former receipts without specific previous shipping/tracking numbers. This was been going on for over XXXX. We have done exactly what was asked of us by XXXX XXXX XXXX and request some relief with this matter. XXXX XXXX XXXX has now posted a $ XXXX derogatory credit mark on my credit report, we are in the middle of attempting to purchase a home and were declined as a result of the unknown credit mark by XXXX  XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request XXXX request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently found identity theft onXX/XX/2018 using an internet monitoring service. All accounts listed in this report are fraud, Wrong Spelling my name, Wrong Addresses.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I had two late payments. During the COVID era I lost work and was unable to make these two payments. I have since made all payments on time. I am seeking to have these two payments removed from my credit card account.
Product: Mortgage

I have filed a criminal application in XXXX XXXX magistrate court for next Monday. XXXX has not complied with the subpaeona. they sent me a form for deceased husband to sign authorizing access and a bill for {$230.00} to print out copies. XXXX and XXXX have quashed. Chase mortgage in XXXX did not return receipt. XXXX XXXX was informed of noncompliance with certified mail and return receipt numbers. District Attorney was informed of crimes. XXXX. XXXX. Thanks for your influence. Responses but still unproductive. XXXX transfer letter yesterday.See att evidence. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB Complaint to follow up the first CFPB Complaint I submitted requesting the removal and deletion of the fraudulent accounts and information off of my Credit File in accordance with the Fair Credit Reporting Act section 605b. On XXXX XXXX XXXX, I sent a dispute letter with complete atachments of my personal identifying documents with the FTC report I received from the FTC for reporting the fraudulent activities I found on my Credit File. I made research on how to remove the fraudulent items off of my Credit File and found that under the protection of the Fair Credit Reporting Act section 05b, I can request to the Credit Reporting Agencies to conduct an investigation on my Credit file and remove any accounts and information that resulted due to the fraudulent activity. Once again, I am requesting that the Credit Bureaus remove the following items off of my Credit File as soon as possible : XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXX : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. If the Credit Bureaus find any documents that may support the claims that the disputed items belong to me, I request that the Credit Bureaus send me copies. However, if the Credit Bureaus find no such documents, immediate deletion of the disputed items is to be expected.
Product: Credit reporting, credit repair services, or other personal consumer reports

hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 710. XXXX has me at a score around 592. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Money transfer, virtual currency, or money service

I need to be reimbursed for the transactions reported.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
Account Name : National Credit Systems Account number XXXX Has violated my rights. 
15 U.S.C 1681 Section 602 A, states I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 161c. ( a ) ( 5 ) Section states : No consumer reporting agency may any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions and crimes which antedates the report by 7 years 15 U.S.C. 1681s12 ( 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX XXXX # : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the follow items if information any other adverse item of information, other than the records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or had reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

15USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities.

Delete below accounts and inquiries from my consumer report immediately. 

Accounts : XXXX XXXX XXXX. 
Affirm XXXX XXXX XXXX XXXX ANY OTHER NEGATIVE REPORTING ACCOUNT. 

Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ALL OTHER INQUIRIES.
Product: Vehicle loan or lease

Bank of America loan application : Application No. : XXXX I applied online with Bank of America for a joint auto loan as a primary on a joint application to assist my son with purchasing a used auto. I provided both parties PII and entered my son 's information stating that he was XXXX XXXX of age. The application did not stop or notify that the loan could not be processed due to his legal age. The application was submitted online and declined due to the secondary being XXXX YOA. I called to request the application be reconsidered without my son. I was told that the application was reviewed by 2 lenders and the decision was final. I asked why I was not contacted by phone or email to consider dropping my son from the original application. I was told that I would easily qualify on my own with a XXXX XXXX  score. I again asked for the applilcation to be reconsidered or updated to include only myself. Again I was told that was not possible and that I would need to reapply. I asked if the same credit report could be used or will I be subject to a second inquiry in a 24 hour time. I was told the current bureau could not be used again. My complaint is why did the appllication allow me to submit if the secondary was not of legal age? Why did no one contact me to attempt to make the loan? Why wont BAC use the same bureau? Why BAC delete one of the inquiries which is impacting my credit rating due to excessive inquiries? I asked for a manager and was told that I would receive a call back in 24 hours? When you are in the process of buying a car, a dealer wont hold a car awaiting the bank to get back to me therefore the car was subsequently sold. I am an exisitng small business, personal banking and wealth customer with Bank of America XXXX XXXX XXXX  - a phone call to try to make the loan or advise me on my alternate options would be far more professional than an electronic Adverse Action letter with not instruction on how to try to make the loan. 


This is the message directly from the website at the time of the application : " Next Steps One of our specialists will contact you to discuss the details of your loan request. '' NO attempt to contact me was ever made.
Product: Debt collection

I sent dispute letters to the creditor and credit bureau asking to show proof of this is my debt no proof i get. But I keep getting update as accurate account but no proof shown to me. Company I.C Systems
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to remove from reporting : XXXX XXXX XXXX {$11000.00} XXXXBalance {$22000.00}
Product: Credit reporting or other personal consumer reports

Mohela is reporting my student loan debt twice to credit reporting agencies. It is reported as Mohela and then reported as Missouri Higher Education. All of this seemed to occurred on XX/XX/year>. So my student loan debt has doubled and keeping me from refinancing my home. I have reached out to Mohela twice via phone. One time I was on hold for over 5 hours and the next time the wait time was long so I waited for a call back. I have sent 3 emails with no response. I can't move on with financing my house until this is corrected and it is hurting my credit. I have learned that Mohela and Missouri Higher Education are the same servicing company so I am not sure why they reported it twice and the amounts are different.
Product: Credit reporting or other personal consumer reports

These are hard inquiries that I do not recognize. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

Chase had remove XXXX out of my XXXX XXXX card when I was in XXXX XXXX and never replaced my money back I cancelled the account because they also didnt verify when I will send money thru XXXX and I lost money because I couldnt cancel the XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, Equifax, XXXX are in violation of consumer law codes ( 15 USC 1666B ) & ( 15 USC 1681a ) I did not authorize nor gave my consent for these late payments below to be reported to my credit report This information is incorrect and is against the consumer law. Nor was I notified regarding these late payments no notifications have been sent regarding these late payments I demand that these late payments be removed immediately. Also, I demand that XXXX XXXX, Equifax and XXXX show proof that I gave my consent for these late payments below to be reported to my credit report. 

XXXX Account # XXXX /XXXX  Account # XXXX XXXX XXXX  XXXX account # XXXX XXXX Account # XXXX
Product: Checking or savings account

I had tried multiple times to apply for a Chase account. I was declined by  XXXX   XXXX  Systems, I then requested my credit report and found no derogatory items. I went back to the bank after several attempts to solve the issue I was unable to get the account. I applied for a report from  XXXX   XXXX   XXXX  and I am awaiting the response.
Product: Credit reporting or other personal consumer reports

My credit report contains errors with hard inquiries I didnt authorize. Please correct this per 15 USC 16c-2.
Product: Mortgage

We had been working with our servicer to explore our options to foreclosure. XXXX, our servicer requested all the documentation, which we submitted for a deed in lieu or a short sale. They sent us a letter stating that our packet would be reviewed, and would take 90 days. Please see attached letter. 
A few days later, XXXX assigned the servicing to Seterus. We called XXXX again. XXXX representative states they are working on the packet, it 's in the review process, another states they are within their rights to assign the servicing, and send the packet of information, which includes bank statements, taxes, paystubs, and all sorts of other information, to Seterus. XXXX did so without our express permission, or consent, we were never given the option to opt out or noticed that this would be done. That is our personal, private information being shared w/ unknown 3rd parties. 
A few days later, we go to check on the property to find a sticker from XXXX pasted to the door. It stated the property " appeared abandon or vacant '' and stated '' we owe an alleged debt ''. First, to let the entire neighborhood know that the property may or may not be vacant puts not only or personal property at risk, but also our personal safety. All on top of announcing we may owe an alleged debt. XXXX XXXX was hired by Seterus a debt collector, meaning they should know announcing to neighborhood we may owe a debt is against Federal Consumer Protection Laws, and trespassing. 
On Friday XXXX XXXX, 2017, we got a call from our Realtor, to tell us that the locks were being changed by a company named XXXX, again hired by Seterus. 
Seterus has not spoken with us on any of these matters, no foreclosure action has been initiated, no legal action of any kind has been started. Yet they are changing locks, winterizing my property and posting notices on our property. We are still the owners, and have personal property inside of the home. We pay the heating bill, the electric bill, and have contracted with a Realtor to sell the property. Seterus has no rights to change locks or trespass on my property as this is akin to breaking and entering. 
We want the locks changed back, and for Seterus a debt collector to pay strict adherence to the FDCPA. An assignment of " servicing '' does not give them any legal or lawful right to put us or our property in jeopardy, nor any right to change locks, or have some unknown company enter our property without our consent.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions. 

XXXX XXXX XXXX XXXX XXXXXXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting that I have XXXX XXXX XXXX credit card accounts that have a balance. I have requested multiple times that it be verified as both accounts have been paid. Experian continues to report " verified as accurate '' on my credit report without actually verifying the information. I have proof that the accounts have been paid but Experian continues to report inaccurate information. I continued to dispute the inaccurate information, and have even requested validation from them however they have now ignored my request and violated my rights under the FCRA.
Product: Debt collection

They kept calling my cell, my parents house, my old work that I had left from 3 years ago. Claiming they were sent from Kay jewelers to collect on an old debt and that if I did n't they would sue. I have no job so I figured I would go to jail. So we set up payments. But I used my husbands card. We 're struggling as it is. But I figured not having me around would make life way harder. They said I would receive something. In the mail. I never did. I called back but never got in touch with original person and the message greeting just says " law office please leave a message '' that does not sound right. I believe they were a fake. They manipulated me and made me fear and harassed me and my family until I believed them.
Product: Student loan

I have found out that I have a default status on a loan from 2016. The balance on the loan says {$0.00}. Sallie Mae says the account is charged off. One agent told me I had paid off the defaulted loan, the amount was about {$1000.00}. Another agent told me the account was sold but could give me no information about to whom it was sold. Sallie Mae told me to file a dispute with XXXX. So I did. 
Sallie Mae then denied the dispute. 
When I talked to XXXX they also had no information and told me to file a police report for a fraudulent loan.
Product: Payday loan, title loan, personal loan, or advance loan

I have previously complained about this accounts as not mine. I have reached out to affirm on when the accounts were opened but they did nit want to give me any information and they suddenly dispersed these account to different collections agency without any resolution first. I want Affirm be taken out of my credit report as this is unfair.