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

Im reaching out to formally address a concerning issue regarding my recent credit card application with Comenity Bank. It appears that multiple hard inquiries were made on my credit report for a single application, causing unnecessary and detrimental impacts on my credit score. I am respectfully requesting that these extra inquiries be removed immediately from my credit report. 

On XX/XX/year>, I submitted a single credit card application with Comenity Bank, reference number XXXX. Since then, I have noticed that my credit report reflects several inquiries associated with this XXXX application. These repeated inquiries have resulted in a significant decrease in my credit scores, affecting my financial standing and potential future applications. 

Upon receiving a letter from Comenity Bank regarding my application on XX/XX/year>, I promptly contacted your customer service department to address this issue. I have since spent considerable time speaking with multiple representatives from Comenity Bank, attempting to clarify why this error occurred. Unfortunately, no one has been able to offer a satisfactory explanation for the multiple inquiries. Instead, I have received apologies without any concrete answers or resolutions, which does not mitigate the negative impact on my credit score.

To ensure the application could be processed, I followed Comenity Banks recommended steps. This included removing my security freezes from all major credit reporting agencies, including XXXX, XXXX, XXXX, XXXX, and XXXX. After doing so, I contacted Comenity Bank to inform them that my reports were unfrozen. Despite this, I was told repeatedly that my application could not be processed due to security freezes that, in fact, were no longer in place. Moreover, I have yet to receive a formal response regarding the status of my application, be it approval, denial, or any legitimate reason for the delay. 

Due to the financial impact caused by these multiple inquiries, I am formally requesting that Comenity Bank remove all the inquiries from my credit reports. Additionally, I ask that Comenity Bank provide me with written confirmation of the removal of these inquiries, which can be mailed to me at the address provided above.

Thank you for your attention to this matter. I trust that Comenity Bank will take swift action to correct this issue, which will help to restore my credit standing and maintain my trust as a valued applicant. I look forward to receiving confirmation of the removal of these inquiries at your earliest convenience.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( 4 ) -5 -- XXXX ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, XXXX U.S.C. XXXX ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to XXXX U.S. CXXXX XXXX ( XXXX ). According to, XXXX U.S. CXXXXe XXXX The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, XXXX XXXX CXXXXe XXXX - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Mortgage

had a mortgage with XXXX starting in XX/XX/XXXX mortgage was an ajustable rate that was sold transferred and according to mortgage scam of XX/XX/XXXX XXXX along several other mortgage lenders were bailed out and were to help borrowers out but never offered borrowers anything except sell from one mortgage company to another .imy mortgage fell under what was called predatory lending .after 9 years of foreclosure threats. my property went up for sale XX/XX/XXXX by caliber home mortgage and was sold for me to stop sale i had to file a chapter XXXX bankruptcy. this case should have never gone to superior court as it was scheduled to be heard again in clerk of court but as usual attorneys for mortgage lender did not appear for hearing 2 days later i recieve notice from attorney for mortgage company case would be heard in superior court under judge XXXX XXXX in that court it was ruled that the sale be allowed .i feel that this was a case where improper illegal situation happened being that every time for the pass 8 yrs clerk of court always stated that attorney for mortgage lender did not have all paper work needed .this is why i am filing this complaint i have documentation that show false information and the documents were forged .so this is why i am asking cfpb to help me stop any action for sale of my property.i would like to be heard in a court of law with a jury how the mortgage lender an attorney and judge worked together to forge documents cheat and swindle home owners out of there property .i also know that these individuals have very powerful connections threw out the world so going forth with this action could possibly put my life and families life in jeopardy so i am asking for help please i need help .yours truly XXXX XXXX
Product: Debt collection

Cease and Desist with this Debt Collector for Violating the FCRA Laws. Also reporting a collections account with a balance is a direct Violation of Federal Law.
Product: Prepaid card

I dont have the dates and amounts because wisely has blocked my online access to my account after I reported fraudulent activity. They finally sent me a new card and went over transactions on the phone that i disputed totalling over {$3000.00} Then required id verification which I submitted my id, social security card, marriage license and still they say my id is not verified because my name is under my prior married last name which my account was previously under and my direct deposits that come to that account are under that name. My wisely accounts under my new married name which they changed with the same documents they are denying now. I cant view charges after my phone was missing then returned to me. Someone had taken money out via cash app since my logins were saved. Wisely told me Id take 90! fays to resolve but has not contacted XXXX XXXX  or anyone and denied the dispute. In XXXX I lost my card traveling and called wisely right away when I noticed a charge come through. They denied the disputed charge. My card was used online to book a hotel and wisely denied the dispute. None of which they investigated at all but find nothing wrong with the charges. They refuse to give me online access or mail me documents regarding my account.
Product: Debt collection

I was contacted by Healthcare Revenue Recovery Group by mail, on XX/XX/2021 and identified the debt as a balance of {$65.00} from creditor FL XXXX XXXX XXXX XXXX XXXX. 

I sent a certified letter on XX/XX/2021 responding to their inquiry and challenging the validity of the debt as I had already paid it. This letter was never responded to, nor did the company attempt to contact me beyond the original debt collection letter. 
This was later erroneously reported as a debt to the credit agencies thus damaging my credit fraudulently for a debt that was never verified. 

I have attached the proof of delivery along with the certified letter that was sent.
Product: Credit reporting or other personal consumer reports

I am being ignore after attempts to have inaccurate information removed from my credit report. These are clear violations of the FCRA guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

all my cards where paid in full I'm closing on a mortgage and I explained that my accounts where not showing accurate amounts as paid in full. 
XXXX XXXX XXXX XXXX XXXX  - available : XXXX XXXX XXXX XXXX XXXX XXXX  -available : {$10000.00} XXXX XXXX XXXX XXXX - available : {$8900.00} XXXX XXXX XXXX- available : {$9000.00} XXXX XXXX- available : {$5200.00} XXXX XXXX XXXX-available : {$1000.00} XXXX XXXX-available : {$6000.00} XXXX XXXX available XXXX Please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

Although I am still receiving demands for payment ( s ) from XXXX XXXX { Most recent for XX/XX/XXXX in the amount of {$620.00} attached } for my FL residence purchased from the XXXX XXXX XXXX XXXXXXXX [ a/k/a XXXX XXXX ] through XXXX XXXX XXXX { out of foreclosure }, yesterday, XX/XX/XXXX, I received verbal confirmation from another bank XXXX XXXX [ a/k/a XXXX XXXX ] of the joint accommodation to cash payments made therefore, related to that unilateral modification [ by XXXX XXXX of XXXX in XXXX IL reduced to writing by the XXXX for the OCC ] and thefts of escrow ( {$330.00} ) by XXXX on or about XX/XX/XXXX pursuant to a request of the FL Attorney General, which implied the existence of said mortgage being sent to XXXX XXXX for XXXX XXXX and there is absolutely no accounting of or for same anywhere. Therefore that debt if it does actually exist it does not appear on my Credit Report. All mortgage debt ( s ) ( 4 ) appear closed. If it is closed, then why am I receiving demands for payments from XXXX XXXX endorsed for compensation by XXXX XXXX while no entity is reporting either billing for or receiving payments, therefore? This must be reported on my Credit Report ( s ) and it is not.
Product: Money transfer, virtual currency, or money service

On the afternoon of XX/XX/XXXX, around {$3500.00} dollars has been transferred away through XXXX from my Bank of America checking account. It was done through 4 transactions, 3 of which around {$1000.00} and 1 around {$500.00}. I filed a fraud claim with BofA and got denied. 

I noticed this by the request for authorization code sent to my phone, which is not requested by me. There were around 20 requests ( 20 text messages ), unfortunately I don't have them anymore. 

After I received the first few authorization code, I immediately called the number of BofA, and by the time I was able to talk to someone, the money was already transferred away. ( First XXXX dollars. ) I talked to the customer service to file a claim, as well as the investigation department ( presumably of BofA ) which they told me it was transferred to an account under XXXX XXXX. I told them the fact that my email has been hacked, and they told me it was compromised through my online banking account. ( I checked and found read emails which are not read by me, as well as request to add recipient in XXXX, which is also not requested by me. ) In this process, BofA asked me to unfreeze the frozen checking account ( which was not frozen by me ) in order for them to reset the online banking account for me. In this process, another {$500.00} was transferred away while I'm on the call after I unfreezed my checking account. Then I was told I would either a ) get result of the investigation to my email or b ) get a temporary credit within 10 days. 

Today XX/XX/XXXX, I called BofA back since I haven't received either of those, and they told me they have sent me an email to my email account on XX/XX/XXXX which I checked again that I haven't. Later I confirmed with them that the email address is correct and set another address for delivery. BUT I was only told to receive the report after days. 

I was also told that the authorization code used to transfer the money was sent to my usual phone number and usual ip address. Which at the time it was under my possession and in no means I authorized the transaction. And they would provide more details on the phone.
Product: Debt collection

I have been paying on a loan for a used mobile home at XXXX XXXX starting XXXX/XXXX/XXXX. Green Tree has done everything to me from hundreds of Phone calls, telling my neighbors, making me pay the XXXX dollars a month for over the phone payments.Tricking me into multiple payments. There are many, many more.The landlord of the park will not help with any problems that the parks bad water ( raw sewage in the water lines.There are many more problems. The biggest problem is his lawyer keeps on wanting {$2000.00} now and then or they will evict me.I was terminated from my job of 35 years of service for being 10 minutes late. My banking is at XXXX XXXX in XXXX mn, ( XXXX XXXX office ). Nobody will help me. I ca n't afford a lawyer and nobody calls me back. I have a pension and XXXX 401k's.I have a girlfriend that 's been with me for over 20 years. Her son was murdered XX/XX/XXXX nobody calls that much to help us. She is mentally handicapped and I am trying my best but there is so much damage that we both are overwhelmed.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX GA XXXX I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately
Product: Credit reporting or other personal consumer reports

I am formally requesting in this complaint to update the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission : XXXX XXXX Balance Owed : {$0.00} Please update this accounts payment history it was very confusing. Please REMOVE the LATE MARKS on this accounts payment history. I did not pay late. In addition please provide evidence that the following items belong on my report and that my rights have not been abrogated. In the event that no record exists, please UPDATE the inaccurate account information as quickly as possible.
Product: Checking or savings account

I use to have a Bank Account with Bank Of America years ago. Then they allowed a male with a mans voice to make a payment with another account over the phone and it was a Fraudulent Account. So BofA blocked me from all online Banking and even when I was suppose to collect XXXX I was never ever able to log into my Account never ever could I ever login. They blocked me and gave my money to a crook. 
Then of course when I file a claim they deny it because the entire time someone else took over my account so there charges looked the same. 
If Bank Of America was smart they would go over my transaction when I had account with XXXX XXXX.I do not understand how they believe the actual fraudsters over me.
Product: Student loan

Navient send me a copy of a contract that I consolidated student loans under the XXXX XXXX XXXX Consolidation program.
Product: Credit card

There was a fraudulent charge by XXXX XXXX on XX/XX/year> for {$XXXX}. I reported the problem and XXXXXXXX XXXX XXXX XXXXXXXX issued a new card/number. They did their process and denied a refund because I " authorized, participated in or benefited from the purchase. '' I can't find any record of this app through XXXX or XXXX or even in my online history. I am currently trying to get the XXXX company to provide me with any information about my supposed " account. '' I would never sign up for a running app as I'm XXXX XXXXXXXX. I have XXXX to try to lose weight which I haven't opened since XX/XX/year>. I hate running. I made this clear to the person I spoke with at Synchrony bank.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of a fraudulent inquiry on my credit report, as I am a victim of a data breach and identity theft. According to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have unauthorized or fraudulent information removed from my credit file to maintain its accuracy. 
Please remove the following unauthorized inquiry from my credit file : XXXX XXXX  Date of XXXX : XX/XX/year>
Product: Credit reporting or other personal consumer reports

I am writing to inform you of my dispute regarding the account listed on my credit report maintained by Equifax. I assert that Equifax is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, XXXX emotional distress, and financial hardship that your actions have caused me. 
Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. 
I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX  website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. 
Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. 
I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. 
Please send all correspondence related to this matter to the address listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an auto loan account ( ending XXXX ) with Bank of America opened XX/XX/XXXX. Last XXXX I was notified by my credit monitoring app that this account is delinquent for the month of XXXX and my score went down drastically. I was shocked because all of my credit card/loan accounts were paid by AutoPay features of the banks and all my accounts were in good standing. After I went through my account history, I found out that Bank of America had deactivated AutoPay for this account in XX/XX/XXXX for no reason and without getting my consent. I tried to contact credit reporting related department in Bank of America, however I was bounced back and forth between Auto loan and online technical support departments each claiming the other is responsible and should handle the matter. I then gave up resolving this issue in Bank of America and tried to dispute all three credit reporting agencies. I received inaccurate results, the results are as follows : XXXX  : XXXX added a comment saying dispute accepted under FCRA ( causing an increase in score ) but a month later this remark was removed ( causing a decrease in score ). Current score : XXXX XXXX : For some reason they removed the account all together. This month the account is re-added and claiming the account is past due since XXXX. This is incorrect information as the account is current and last payment posted XX/XX/XXXX. Current score : XXXX XXXX : XXXX seems to have rejected the dispute but the score went up regardless. The late payment is still visible. Current score : XXXX Before this incident my credit score was around XXXX. XXXX  now shows XXXX. The other two seems to be jumping up and down. Please help me remove this late payment information from my credit history. I did not initiate the removal of AutoPay and was not aware of it when Bank of America removed it.
Product: Debt collection

Sunrise credit company constantly text my phone to collect a debt but when I click the link theres no amount so either its a scam or my information is constantly being leaked.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX