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

In 2021 I was pondering a home purchase and was considering XXXX XXXX as my mortgage holder, so I opened an account with them. Ultimately, I decided I did not want to buy a home anywhere and be committed to one place. However, even when I closed my XXXX account, one thing never stopped -- EVERY MONTH I received something I NEVER SIGNED UP FOR : " Mission : Credit Confidence by XXXX XXXX '' This spam mail, sucking space and time, is my Transunion credit report, which is utterly USELESS to me since I have no log in for XXXX anyway. I was assured when I closed my account and they sent me a cashier 's check, that all my emails would stop too. As per usual with spammy folks, XXXX feels the need to keep telling me that my credit report can be seen if I figure out how to log into my NON EXISTENT ACCOUNT. 

I am fed up. Not sure how these CFPB complaints get shown but anyone looking closely will see this is my third in a row today dealing with spamming banks or cards that I have tried for YEARS to stop.I have resolved to not wait so long anymore. I am missing important messages, cluttering my inbox, and taking too much time to deal with this baloney. Time 's up.

No email should be allowed without opt-in consent. Period. NEVER EMAIL ME AGAIN, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

HELLO TRANSUNION REPEATED OFFENDER CAN YOU PLEASE SEN A COPY OF THE CERTIFIED MAIL THAT I GAVE YOU WRITTEN CONSENT TO FURNISHED THIS ACCT XXXX ON MY REPORT. TRANSUNION IS VIOLATING USC 68D2, USC 6803, USC 1681a2 AS WELL GRAHAM LEACH BLILEY AND XXXX XXXX AND TRANSUNION IS VIOLATING USC 1029A AGGRAVATED IDENTITY THEFT I NEVER GAVE CONSENT TO TRANSUNION TO USE XXXX XXXX XXXX XXXX WITH XXXX XXXX XXXX XXXX XXXX XXXX. TO BE USED IN COMMERCE IF YOU CANT SEND THE CERTIFIED LETTER THAT I GAVE YOU CONSENT TO FURNISH THE ABOVE ACCOUNT ON MY REPORT DELETE THIS ACCOUNT YOU ARE IN CLEAR VIOLATIN OR I WILL REPORT YOU AND MOVE TO LITIGATION IM WILLING TO PROSCECUTE STOP COMMITTIN FRAUD FOR GAIN THANK YOU GOOD DAY SIRS/ MAAM .....
Product: Money transfer, virtual currency, or money service

In 2017 I purchased Bitcoin and Ethereum in a digital Wallet through my XXXX Debit card.

I sold some and am unable to get it from the wallet back into my bank account. MY MONEY IS HOSTAGE. I have sent multiple pictures of my drivers license, copies of my bank statement, utility bill and tax statement. They still can not find a way to return my money to my bank account. I have an " open case ''. They answer the phone which is appreciated, but I am getting nowhere. It would be nice to have them send me a check.
Product: Credit reporting or other personal consumer reports

Dear CFPB I am writing to formally request the removal of certain inquiries from my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

I have reviewed my credit report and noticed that the following inquiries were made : 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 


These inquiries were made without my consent, and I believe they do not accurately represent my credit history. Under the FCRA, I have the right to dispute any inaccurate or unauthorized information in my credit report. 

I kindly request that you investigate these inquiries and remove them from my credit report if they are found to be inaccurate or unauthorized. Please send me written confirmation of your findings and any actions you take regarding this matter. 

Thank you for your prompt attention to this request. I look forward to your response. 

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

Yes I have a family member that committed identity theft and opened a credit card account that I did not get permission to open this is fraud, payments have been made on the account to keep me from finding out but this account does not belong to me and I will like it to be deleted from my Credit profile please This was done without my knowledge
Product: Debt collection

XXXX/XXXX/2015 receied call from XXXX claiming to be from the XXXX Law Firm, calling on behalf of XXXX XXXX to collect an old debt. I explained the debt was discharged in Bankruptcy court XXXX years ago but he didnt want my lawyers information. 
He threatened me with IRS issues and said he was investigating me for a criminal act. 
called # back and got voicemail. XXXX search shows this info : XXXX Law Firm, XXXX XXXX XXXX, TX XXXXPhone : XXXX. I called # ending in XXXX and reached same voicemail as the # of the dept collector XXXX. Didnt have my address but wanted it. After not getting info he hung up on me.
Product: Debt collection

I recently was reported to credit agencies for an erroneous medical charge that was six years old. I disputed the charge to no avail. 
In XXXX of 2011, I was observed in the Emergency Room of XXXX XXXX in XXXX XXXX, FL. A XXXX was done at that time to establish a diagnosis. The next day I was admitted to the hospital for XXXX. The problem came when the hospital billed my insurance for this test as an " inpatient '' instead of the emergency room. I fought with XXXX XXXX for months and believed the correct code was finally submitted to insurance. 
Six years and seven months later, I find I was reported to all XXXX agencies as delinquent. My FICO score went from an XXXX down to a XXXX. Prior to this claim, I did not have even XXXX late payment. I am almost XXXX XXXX XXXX and have always taken pride in my excellent credit. 
I feel I am being abused by Central Financial Control, the collection agency that apparently purchased my claim from XXXX XXXX for {$1500.00}. This was a billing error made by XXXX XXXX that I tried to correct. I am now being reported as a " delinquent risk '' because of the hospitals mistake. This is unfair to me as a consumer. 
If there is any help you can provide, I will gratefully appreciate it. 
Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are reporting incorrectly an involuntary repossession/charge-off on the XXXX XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) This account is well over ( 7 ) years old and it has been ( 7 ) years from the date of last activity and should not be reporting. This is a violation of the Fair Credit Reporting Act and this line item needs to be removed from my credit report. This incorrect reporting of a charge-off is harming my credit score. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : Re : Non-compliance with Rule 1002. Requirement of the Original Upon reviewing my consumer report, I discovered Experian and several creditors are violating several laws. According to rule 1002, you must provide an original writing, recording or photograph which is required in order to prove its content, unless these rules or federal statute provides otherwise. I've contacted the companies requesting documentation of my alleged consent and to date, the companies listed below have failed to provide me with the requested written authorization of the alleged initiated inquiries. The listed institutions mentioned below are willfully violating my rights as a federally protected consumer ; rights that have been established by Congress. Considering I have not received any information from these companies, I have to assume the inquiries are unverified and therefore should be deleted according to 15 U.S. code 1681i.

Pursuant to 15 U.S. Code 1681i, treatment of inaccurate or unverifiable information, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer. 

XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I look forward to receiving an updated copy of my credit report reflecting the deletion of ALL NON-ACCOUNT HOLDING INQUIRES. 
Thank you in advance.
Product: Mortgage

I live in XXXX  but own a rental property in XXXX, XXXX  that I purchased four years ago. I obtained a mortgage with Rocket Mortgage on the property. I had a catastrophic water leak at my property ( XXXX XXXX XXXX XXXX ) on about XX/XX/2021. I reported the damage to XXXX XXXX XXXX ( my property insurer ) who is handling the claim. They have provided approx. {$300000.00} for repair costs to Rocket Mortgage, which disburses the funds as they see fit. Approx. {$46000.00} has already been disbursed by Rocket Mortgage for demo and asbestos removal to a mitigation company. The contractor I hired XXXX XXXX XXXX  ) to begin repairs received approx. {$75000.00} to start but found additional asbestos and problems to deal with before construction. XXXX XXXX approved the additional costs and provided additional funds. Rocket Mortgage is currently withholding the funds ( $ XXXX ) that XXXX XXXX provided , preventing me from getting my house repaired. Rocket Mortgage states that there has not been enough progress to disburse additional funds to the contractor. The contractor will not begin work until they receive an additional disbursement. Rocket Mortgage state they are waiting foXXXX XXXX XXXX  to approve release of the funds, which they asked for 3 weeks ago, although they told me it would take 48 hrs for XXXX XXXX  to approve release of funds. I am losing several thousand dollars each month due to loss in rent because Rocket Mortgage won't release the funds provided by XXXX XXXX XXXX for repair. I am requesting delivery of the repair funds to my contractor so they can begin repairs. My mortgage account number is XXXX.
Product: Debt collection

In XXXX of XXXX I started a payment plan with true record to start in XX/XX/2022. On XX/XX/XXXX I received a letter from a law firm, referencing the true record debt that I made a payment plan on. The letter references the payment excepted with regards to the payment arrangement. I made with true accord, and also references that I do not have a formal payment plan set up. The attached information states otherwise. I was not informed that the debt was sold and trick. Our currently reports to my credit report.
Product: Debt collection

Portfolio Recovery Inc. is attempting to collect a Credit Card Debt from XXXX XXXX XXXX XXXX. I asked for verification and they sent me a copy of a letter from XXXX  XXXX stating that Portfolio Recovery Inc. has the debt, HOWEVER ; PRIOR to this, the debt was DISMISSED by XXXX XXXX so this debt does not exist. It was dismissed.
Product: Credit reporting or other personal consumer reports

I am writing to urgently address the fraudulent accounts that have been reported on my credit file. I am a victim of identity theft, and these negative accounts are the result of criminal activities conducted without my knowledge or consent. 
It is essential that these inaccuracies be rectified immediately to prevent further harm to my credit standing. The fraudulent accounts in question were opened by someone close to me, who stole my personal information and used it to open accounts in my name. After becoming aware of these unauthorized activities, I contacted the respective banks, who have acknowledged the situation and agreed to remove the fraudulent accounts from their records. 
To support my claim, I have submitted the necessary Identity Theft Report with the Federal Trade Commission ( FTC ), and I have attached a copy of this report for your reference. The banks have confirmed the identity theft and are aware that the accounts were opened without my authorization. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The medical company Central Financial Control refused to communicate to me why I have a medical claim on my credit report. I have attempt to call to rectify this matter and clear it from my credit report by to no response from them. I want this off my credit report.
Product: Checking or savings account

I was under a payment plan for this debt beginning in XXXX / XX/XX/XXXX ; payments were taken directly from my checking account. In XX/XX/XXXX, I lost my job. I communicated this to XXXX ( the predecessor to XXXX  ) monthly and advised that I was unable to make payments on this debt ( approximately $ XXXX ). I received no communications - phone, email, written, or court documents during the period from XX/XX/XXXX through today, XX/XX/XXXX. Today, I checked my bank account and it had been cleaned out - there was a debit in the amount of {$3600.00}, which was the balance remaining from my first paycheck in nearly a year. Upon reaching my bank- I assumed that there was fraud involved- they provided me with the number to contact XXXX. Apparently a writ of garnishment was filed recently with my bank, yet no service / notice / contact was made with me in advance. And, they refuse to " stop the garnishment '' despite the fact that I am now left XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- the total debt is over $ XXXX. And, short of litigation or XXXX, I have XXXX options for recourse.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX  who works with many clients especially on their credit report issues. In many cases, the bureaus are virtually impossible to work with on critical situations due to automated phone contact. You can not reach a human person and if you are lucky to, they still want you to send info to a PO box which means nothing can be sent overnight in an urgent matter. Credit bureaus urge you to put freezes on your reports, YET, you can literally not remove it unless you use a website that seems to always circle back to sending info to a PO Box . I personally have just tried to unfreeze my accounts at both Experian and XXXX and can not without sending info to a PO Box . I tried their websites and no luck. Why are these companies who control so much of our nations personal information allowed to go unregulated when it comes to providing the consumer access to human beings? Why are they allowed to use PO Boxes no matter how dire the situation is? Its a shame that they can literally ruin lives due to their inability to service consumers who are " REQUIRED '' to use the,.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' I have already disputed these items with the credit bureaus but they did not remove them, nor prove validation. 
Under Sec. 602 FCRA " I have a right to privacy '' 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
Product: Credit card or prepaid card

I went online to look for a rental car and I found somewhere he said his name was XXXX XXXX the phone number was XXXX he said American Express cards had a special with his company at 50 % off per day but it expired that day I said that I didn't have one he said I could go buy a prepaid card I gave him the information and my card got charged {$240.00} on one transaction at XXXX {$0.00} at another transaction to XXXX and {$45.00} at XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Since 2010, I have battled the credit bureaus to remove or correct statutorily expired accounts, incorrect information, or to remove personal data that I do not want on my credit report. Routinely, these agencies have failed to consistently monitor and correct my report as is required by the Fair Credit Reporting Act. 

This complaint is a continuing attempt to hold the credit bureaus to the law. Not following the consumer protection laws, such as the FCRA, causes unnecessary hardships, and lost time on problems that these agencies are responsible to resolve as part of their mandate as consumer credit bureaus. 

Specifically, I have two complaints : 1. Student loans that have long since expired ( over six years old ), are still listed on my account ; and some of these loans, still show balances. None, are active or have balances. And, even if they did, if they're over six years old, should be removed from my credit report. 

2. Personal information that should not be shown on my credit report. Including : a. date of birth b, addresses c. phone number ( s ) The only personal information that should show on my credit report include : 1. my name 2. mailing address : XXXX XXXX XXXX, XXXX, TN XXXX. Or, XXXX XXXX XXXX XXXX XXXX, # XXXX, XXXX, TN XXXX. 

Hence, I am requesting the afore listed changes be made immediately.
Product: Credit reporting or other personal consumer reports

Credit reports n inquiries on my report foe extended periods of time
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the accounts on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified accounts without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I noticed an email stating I had applied for a loan and that it was funding the next day to a bank account that I have never had before. The customer service rep said I had to file a police report first before she would just close out the account. I was bothered by that and asked why she can't just close the account out and she wouldn't answer the question.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX- this account has been disputed before yet these bureaus come back with " accurate ''. This can not be the case since I have my most recent report which shows XXXX showing NO LATES ; XXXX  showing 2 lates on XX/XX/XXXX & XX/XX/XXXX ; XXXX showing lates XX/XX/XXXX & XX/XX/XXXX All three credit bureaus are reporting different information for this account. Since I have disputed the account before and got a generic response back I am demanding the immediate deletion of this account for the credit bureaus failure to do a proper investigation and continuing to report different information regarding the same account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian XXXX XXXX XXXX XXXX, Tx XXXX XX/XX/XXXX Reported a charge off as late payment I have previously disputed account number XXXX with XXXX XXXX. The account has been closed for eight years now XXXX XXXX, XXXX. 
The IRS deems a charge off as taxable income. How is income being reported on my credit? It cant be both credit and debt. This account has been closed and Ive never made a payment to XXXX XXXX XXXX, which is the debt collector. I am requesting proof that I had a late payment in the month of XXXX, the year of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted the complaint earlier along with the XXXX report showing that a Chapter XXXX was removed from my credit file ; however the file is password protected. Here is the password to open the file. 

Password : XXXX
Product: Credit reporting or other personal consumer reports

THE AWA COLLECTION AND XXXX  XXXX  ILLEGAL COLLECTIONS REPORTED A FALSE BANKRUPTCY IN XXXX I FILED BANKRUPTCY IN XXXX AND HONORABLY DISCHARGED XX/XX/XXXX THESE AGGRAVATED FALSE REPORTS FROM THE 3 CREDIT BUREAU 'S ARE DAMAGING MY LIFE FINANCIALLY PERSONALLY AND EMOTIONALLY. 

ALL RECORDS AND SCAMS REQUESRS FROM TRIPLE AAA AND XXXX XXXX WERE DISCHARGED THE BANKRUPTCY NEED TO BE REMOVED IMMEDIATELY ENTIRELY BECAUSE IT'S BEEN 10 YEARS SINCE XXXX AND THEY REPORTED A BANKRUPTCY IN XXXX THIS IS SLABDEROUS IS DESTROYING MY FINANCIAL LIFE AND IS FEDERALLY ILLEGAL TO REPORT FALSE STATEMENT in my ALL CREDIT BUREAU 'S I FAXES THE FILING XX/XX/XXXX AND DISCHARGED HONORABLY IN FEDERAL COURT RECORDS PROVIDED XX/XX/XXXX IN ADDITION ARE AT LEAST XXXX XXXX UNATHORIZED INQUIRIES THAT NEED TO BE IMMEDIATELY RE.OVED BECAUSE REQUESTED ILLEGALLY AND SO GOES FOR AT LEAST 12 COMPANY INQUIRIES NEVER AUTHORIZED NEED TO BE IMMEDIATELY REMOVED WITHIN 72 HOURS FROM TODAY XX/XX/XXXX THESE ARE DEROGATORIES FALSE REPORTS AND THE MAJOR CREDIT BUREAU 'S reported THEM WITHOUT CHECKING FIRST??? WHAT KIND OF DIRTY BUSINESS ARE INDEED CONDUCTING??? I DEMAND TO HAVE EVERYTHING REMOVED WITHIN 72 HOURS AS PER CALIFORNIA STATE AND FEDERAL REGULATIONS
Product: Payday loan, title loan, personal loan, or advance loan

Pursuant to the Truth in lending act ; The Truth in Lending Act ( TILA ) of 1968 is a United States federal law designed to promote the informed use of consumer credit, by requiring disclosures about its terms and cost to standardize the manner in which costs associated with borrowing are calculated and disclosed. I was denied a extension of my own credit without proper disclosure. Pursuant to 15 U.S. Code 1602 - Definitions and rules of construction ( i ) The adjective consumer, used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person, and the money, property, or services which are the subject of the transaction are primarily for personal, family, or household purposes. I have expressed this US Code with the agents of XXXX XXXX and they both still denied overturning the decision. I also explained that a XXXX SCORE has nothing to do with a Consumer credit transactions. As the Grantor/Beneficiary of The Estate " XXXX XXXX XXXX '' makes me the Alive Natural person whom is the original creditor that has the rights to extend his credit as a consumer credit transaction and should not be denied my equity. 15 U.S. Code 1602 ( e ) The term person means a NATURAL PERSON or an organization. Pursuant to Securities Act of 1933 there is only Security Notes in circulation which grants me the creditor of every Security Note endorsed by me the natural person. There is No Banks without my Equitable endorsement. My Equitable Rights should have NEVER be violated.
Product: Credit reporting or other personal consumer reports

I was notified by Experian as of today that my account with XXXX XXXX was charged off on XX/XX/year>. On XX/XX/year> I made full payment for the remaining of my balance that XXXX XXXX asked me to pay after my car was totaled. Please remove this charge off off my credit reports immediately.
Product: Checking or savings account

Had received a direct deposit from a friend of mine they closed my account after some one stole my card and deposit some checks that bounced the whole time my direct deposit was in saving and checking account when account was closed they sent a check to prior address I was not living there so check was returned so when I came back from XXXX I called chase Bank and was told I could not have another check sent out and that I would need my friend who is now back in XXXX to come in and verify some thing I don't know why if check was sent out once and after 1yr plus there have been no criminal or friend fraud with that deposit and they have already attempted to send the check to me once already
Product: Debt collection

After reviewing my latest credit report, I found several accounts that I believe were added fraudulently. Please take action to remove them as soon as possible.