23daVinci/CFPB_Complaints huggingface dataset:
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 U.S.C 1681 ARKANSAS CHILD SUPPORT 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. It also states a consumer reporting agency can not furnish an account without my written instructions.

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

15 U.S.C. 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer 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

I am a victim of identity theft and these accounts on my credit report are fraudulent. I have been living in my house in Pennsylvania since XX/XX/2012. I have never took out a credit card or auto loan ever before. I am a mother of XXXX and this has been causing me a lot of stress. I want these accounts to be immediately removed and blocked from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information has a high potential of being stolen and I am now at risk of of identity theft due to the Equifax hack. Equifax did not do a proper job in securing my sensitive information. I have set a Fraud Alert on my account but that is only going to last 90 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

XXXXXXXX XXXX reassigned my mortgage to RoundPoint Mortgage sometime in XX/XX/year>. During this period of transition, XXXX offered me a deferral program which I accepted. I then missed two mortgage payments and RoundPoint sent me correspondence dated XX/XX/year> demanding that I cure a default amount of {$3000.00} by XX/XX/year>. So, on XX/XX/year> I sent a check in the amount of {$3000.00} along with correspondence. The correspondence of XX/XX/year> also requested loss mitigation information, provided notice and proof to RoundPoint of my XXXX and requested the reasonable accommodation of extensions of time regarding any due dates by RoundPoint. Since the check remained uncashed and I was concerned about the XX/XX/year> deadline, I accessed RoundPoint 's payment portal, but it BLOCKED me from making any payment. Since RoundPoint also accepted electronic payments borrowers ' banking institution, I used my bank 's bill pay system and sent RoundPoint the payment of {$3000.00}. After RoundPoint received the payment on XX/XX/year>, I then sent RoundPoint correspondence dated XX/XX/year> advising them of the payment and notifying them of their incorrect calculation of the total amount owing ( i.e. dispute ). RoundPoint never responded to my XX/XX/year> or XX/XX/year> correspondence and never sent me any loss mitigation documents. Instead, about 4 weeks later, in early XX/XX/year>, RoundPoint reversed the electronic payment of {$3000.00} back to my bank ( without notifying me ) and then proceeded to fast-track a foreclosure just 3 weeks later.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute accounts that have been reported by your agency on my credit report. ( The accounts referenced are attached ). The accounts referenced was opened or charged fraudulently as a result of identity theft, and I request that it be permanently removed from my credit report. Please note that I have never opened or authorized these accounts. I discovered this fraudulent activity while reviewing my credit report, and I immediately filed an identity theft report ( The affidavit is attached ). In accordance with the fair credit reporting act ( FCRA ) and the fair debt collection practices act ( FDCPA ), I am requesting the removal of these accounts from my credit report, and that you cease all collection activities related to these accounts.
Product: Credit reporting or other personal consumer reports

This account with XXXX XXXXXXXX XXXX XXXX XXXXXXXX. this account was removed from my consumer report in XXXX XXXX this account reappeared on my consumer report in XX/XX/2024. 

per 15 usc 1681i -FCRA 611 ( a ) ( 5 ) ( 8 ) ( ii ) Notice to consumer that has been deleted from a consumer 's file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after reinsertion or, if authorized by the consumer for that purpose, by any means available to the agency.

I have received no such notification. This is a very serious violation of the fcra, and I reserve the right to pursue legal action for your blatant disregard for the law.

I hereby demand that this account be removed from my credit report in order to avoid legal action
Product: Debt collection

I am submitting this follow-up complaint regarding MRS BPO LLC for their continued violation of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ). 

On XX/XX/year>, I filed a complaint after MRS BPO LLC sent a text message from XXXX to a member of my family ( phone number ending in XXXX ), improperly disclosing my personal debt information. Despite this complaint, MRS BPO LLC again contacted the same family member via text message four days later, on XX/XX/year>, making this the second violation of my rights. 

Under 15 U.S.C. 1692c ( b ) of the FDCPA, debt collectors are prohibited from discussing a consumers debt with third parties without permission. The fact that this has now happened twiceeven after a formal complaintdemonstrates a willful disregard for federal law. 

MRS BPO LLCs blatant disregard for consumer protection laws must be addressed. Please confirm receipt of this follow-up complaint and inform me of any next steps.
Product: Debt collection

This debt collector continues to report false information on a debt I do not owe.
Product: Credit reporting or other personal consumer reports

Subject : Request for Assistance in Removing Unauthorized Credit Inquiries Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to formally request your assistance in resolving an issue related to unauthorized credit inquiries on my credit reports from Experian, XXXX, and XXXX. The following seven companies have accessed my credit reports without my consent, and I have no associated accounts with any of these lenders : XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX, MD XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Address : XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX Date : XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX Address : XXXXXXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX, XXXX XXXX Date : XX/XX/XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX I have contacted each of these companies individually to request the removal of their credit inquiries, but my requests were denied. Furthermore, I requested that Experian, XXXX, and XXXX remove these inquiries from my credit reports. However, they refused, instructing me to file a report with the Federal Trade Commission ( FTC ). These unauthorized inquiries are adversely affecting my credit score and have significantly hindered my ability to secure a mortgage loan. I am respectfully requesting that the Consumer Financial Protection Bureau ( CFPB ) issue a directive compelling Experian, XXXX, and XXXX to remove these unauthorized credit inquiries from my credit reports. Your prompt attention to this matter would be greatly appreciated, as it is crucial for my financial well-being. Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was previously a victim of identity theft, I see several hard inquiries on my credit report that I did not authorize or make. I also have an account that is in collections for {$170.00} from XXXX insurance which I did not open the account. Also hard inquiries from XXXX on XX/XX/2022, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Flagship credit XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX  Date of XXXX XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX ate of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX  XXXX  Date of Inquiry XX/XX/XXXX
Product: Checking or savings account

As of XX/XX/XXXX, I have not received the {$400.00} bonus for opening a checking account on XX/XX/XXXX even though the below requirements have been met. 


Within 150 days of account opening, set up and receive at least three consecutive monthly direct deposits of {$3000.00} each month. 

The below non eligible items do not apply in my case : You are not eligible for this offer if : You are a current owner of a Wells Fargo consumer checking account You are a Wells Fargo team member You have received a bonus for opening a Wells Fargo consumer checking account within the past 12 months
Product: Debt collection

Portfolio Recovery Services keeps calling me with different phone numbers. I have no standing unpaid debts in the past 7 years so I do n't know why they keep doing this. There are all these different numbers in the past few weeks. Is this even legal? I understand they have bought information about me from somewhere. How can I get them to stop?!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXXXXXX has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a Consumer Reporting agency can not furnish my account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on credit card account under a open end consumer credit plan as late for any purpose
Product: Checking or savings account

Fraudulent bank bmo alto has not close my account I have requested several times I even spoke to manager XXXX that hung up on me. This is how BMO alto treats its customers Employees are fraudulent Managers too. 
This bank needs to be penalized And the bank needs to get new employees Thats why I dont want this account cause of the employees
Product: Checking or savings account

hello My name is XXXX XXXX, my Chase debit card XXXX XXXX XXXX has identity theft on my card, in XXXX. Bill in the past 6 months during the time I came back to my home country. From the bank app recorded transactions, the XXXX. Bill 's Receipt displays that the XXXX XXXX  who uses my card is " XXXX. I am 100 % sure I don't know this person or this ID before. I provided a screenshot for this evidence in this report ). In the past XXXX months, my savings card has been stolen for a total of XXXX ( This is a lot for me!!!!!!!! ) and XXXX 's transactions!!!!!. I believe that this person had stolen my personal information. I called XXXX customer service and bank customer service to lock my card and try to get the refund, and they told me I could get a XXXX refund. Could you please help me get a full refund? I can provide all the information to prove the authenticity of this incident. There is limited space to upload evidence, please email me if you need more information. ******Update : I realized that my card had been stolen since XX/XX/XXXX. And I called Chase Customer Services again, they can recover my losses from XX/XX/XXXX to XX/XX/XXXX which is XXXX dollars. I contacted the XXXX support team they have the authorization to recover my loss from XX/XX/XXXX to XX/XX/XXXX Around XXXX dollars. The XXXX support team told me I could write a letter to the XXXX backup support team, I am also uploading the letters. The XXXX customer service told me they couldn't see when the card had been added to that account and whether it's on the phone or online. But my information may leaked when I went to the XXXX XXXX in XX/XX/XXXX. Because besides staying in XXXX and visiting XXXX XXXX, I haven't been anywhere else to use my card or lost my card.Thank you so much for your attention! I really need your help!!!!!
Product: Credit card or prepaid card

We bought a laptop online, directly from XXXX on XXXX XX/XX/2020. 
It died on XXXX XX/XX/2020. 
XXXX shipped a replacement laptop on XXXX XX/XX/2020, while placing a hold on our credit card pending return of the defective laptop. 
On XX/XX/XXXX XXXX received, but then apparently lost, the defective laptop, turning the hold into a charge. This delivery was at least one day prior to XXXX two week return deadline. 
I filed a dispute with Discover Card when my bill closed, including this charge, on XXXX XX/XX/2020. 
After receiving copies of XXXX  receipts proving delivery XXXX told me that everything is resolved and I shouldn't be seeing a charge. 
I had given Discover Card copies of those same receipts from XXXX  showing that I sent a package to XXXX and that it was received before XXXX return deadline. 
Nothing XXXX has sent to Discover Card and Discover Card has made available to me either mentions or denies that they received the defective laptop returned by me. 
In spite of the proof of delivery on my part and the lack of a dispute of this fact on XXXX 's part Discover Card has ruled against me and said that I need to pay XXXX, without explaining why this decision makes sense.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is listed late payments 90+ days on XX/XX/2017, XX/XX/2017, and XX/XX/2017. These dates were in forbearances during these months therefore these payments are not late and are current. Please update this information. I have been sending disputes on this matter for months now because this is severely negatively affecting my credit and causing me so much pain moving forward in my life. XXXX XXXX did a great job updating previous late payment disputes I had and I ask that they please do the same. I ask that three credit bureaus XXXX, Experian, XXXX delete these late payments and update my profile
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SUBMITTED DISPUTES TO EQUIFAX AND XXXX ON LINE THAT THERE IS ERRORS REGARDING MY NAME AND ADDRESSES. THE INFORMATION HAVE NOT BEEN REMOVED FROM MY CREDIT FILES. 

WRONG NAME - XXXX XXXX CORRECT NAME - XXXX XXXX WRONG ADDRESS - XXXX XXXX XXXX, XXXX, TN XXXX WRONG ADDRESS - XXXX XXXX XXXX, XXXX XXXX, MS CORRECT MAILING ADDRESS - XXXX XXXX XXXX XXXX, XXXX XXXX, MS XXXX PHYSICAL ADDRESS - XXXX XXXX XXXX, XXXX XXXX, MS XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint is filed pursuant to the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ) to request that you, Experian, block information appearing on my credit report that is the result of identity theft and fraud. 
Details of Fraudulent Activity : The fraudulent information includes : A personal credit card account opened at XXXX XXXX XXXX XXXX on XXXX XXXX, 2020 under account number XXXX I have attached a copy of my credit report maintained by you which shows the aforementioned fraudulent items. 
Identity Theft Verification : I have filed an Identity Theft Report with the Federal Trade Commission ( FTC ) with Case Number XXXX A copy of the report is attached as proof of identity theft. 
Demand for Relief : I request that you, Experian, block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving this complaint, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ). 
Contact Information : Please send all written confirmation regarding this CFPB complaint to my email address : XXXX XXXX
Product: Mortgage

XX/XX/2022 I told Network Capitol I didn't want or need a new mortage. However, a week later I received loan documents in the mail. I don't appreciate them proceeding with try to for e me into a loan I didn't want. This is very sneaky and underhanded process and should be stopped immediately Thanks
Product: Student loan

I Have called numerous of time to get my student loans lowered and to get my co-signer removed. Navient customer service representatives told my mother and my self that if I make consistent payments for one year  that they would remove her off my account. Secondly I have also tried to qualify for hardship or get my private student loans lowered and they have not offered any alternatives. My payments continue to go up because I did not realize I signed up for a variable interest rate program. Both my interest rate continue to rise one is at 11.750 % interest rate and my second one is at 10.50 %. I have the money debited out of my account every month to qualify for the .25 % saving but my principal account balance has not gone down. With my XXXX XXXX now coming up for payment I can no longer afford these ridiculous high payments. and on one of my loans show that it has been sold and it looks like they have added more interest onto the principle on XX/XX/2018 of {$150.00} with a principle of {$22.00} which totaled {$22000.00}. I feel like i have been misled on trying to remove my co-signer and the interest rates keep going up therefore moving the needle on me every time I get closer to making the payments on the principle. PLEASE HELP!
Product: Credit card or prepaid card

I have a XXXX XXXX Credit Card ( Synchrony XXXX ) that ends in XXXX. I am writing you today requesting support in resolving XXXX issues and concerns. 
The first concern and issue is that I have not been issued a refund ( {$240.00} ) to my credit card. A refund from XXXX ( XXXX # XXXX ) was issued on XX/XX/23 and cleared on XX/XX/23. When I contacted the XXXX XXXX number, the customer service operator advised me that a refund had not been processed and that I would need to contact XXXX for further assistance. I contacted XXXX, and they supplied me with some supporting documents and information that support my claim that I did return some items and that I was owed a refund. XXXX went above and beyond and supplied me with screenshots showing how the transaction was refunded. 
My second concern and issue is that I was charged twice for only XXXX item I purchased. I was charged {$77.00} XXXX for order # XXXX. When I first called XXXX, the customer service operator advised me that the sales associate at XXXX billed me twice by mistake and that I needed to contact them for a refund. I advised the operator that the information they provided me was false because I did not go into a storefront ; I placed this order myself on a website, and the invoice reflects only XXXX item purchased. 
I contacted XXXX again for support, and they confirmed that they only billed me for XXXX item on XXXX order that was charged to my XXXX XXXX Credit card, {$77.00}.
Product: Credit card

I received this business debit card from Square issued by XXXX Bank with my name and under business name Lab Barbershop which I am not affiliated with during the week of XX/XX/XXXX to XXXX. I have no business of any sort nor I applied to attain this card. I called XXXX different numbers for XXXX and attained XXXX different case numbers. The first number I called ( XXXX ) XXXX seems really suspicious cause the person I spoke to XXXX can not provide me information on when i can find out if my account was closed or not. He does not have the understanding of the urgency to close my account right away. The XXXX number ( XXXX ) XXXX seems more legit cause XXXX can verify if the card is real and she was able to help me to make sure that my concern to close this account immediately was addressed. I am going to follow-up on the status of the card to be closed immediately as this is not opened under my consent and with the business name I am not affiliated nor own.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. 

I am writing to complain on XXXX for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN XXXX  RECEIVED THE LETTER.
Product: Vehicle loan or lease

On X/X/17 I bought my lease out on my XXXX. The XXXX dealership apparently submitted my information to XXXX XXXX for a loan, who in turn, denied my loan because of a credit score which was XXXX from XXXX XXXX, a credit reporting company. This score does not match my score from XXXX which was XXXX, XXXX XXXX, at the same time and possibly XXXX. I am very concerned about the score which is being reported on my behalf from XXXX.
Product: Debt collection

Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days. 


I request that you update, block, or remove the inaccurate accounts and unauthorized inquiries listed on my credit report. 

Please review the attached letter for further details. Thank you for your assistance.