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

I am writing to immediately address a fraudulent inquiry on my credit report that was made online without my knowledge or consent. This inquiry is not only unauthorized but also an act of fraud, as I never authorized or participated in any transaction related to it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Was told by Credit Karma that I was pre-approved for a 0 %, 18 month balance transfer credit card. I applied and was denied. Hard inquiry and rejection affected my credit score, so now I'm paying more for my re-finance. I would have never applied for the card if they didn't say pre-approved. This hard inquiry and denial dropped my score to a lower tier.
Product: Credit reporting or other personal consumer reports

On my XXXX credit report the following inquires appear in which I did not authorize. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX Citizens Bank XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX I have reached out to each company and they stated there is no account open and no proof of me requesting their services. I have contacted XXXX multiple times and they are refusing to remove from my report.
Product: Debt collection

A representative from National credit systems, XXXX XXXX contacted my husband regarding a rental debt dating from XXXX  at the XXXXXXXX XXXX XXXX XXXX. I tried to speak with this representative as his spouse, and the rep advised me she could not speak with me as this debt was only under XXXX XXXX, ( my husband ). She was very rude, disrespectful, talking over my husband etc but would not send any info validating the debt stating that the collections letter was sent to an address in which we did not live. We asked the rep to validate this info. She provided a website from her company where we can dispute the info and the info would be investigated. We sent the dispute info to the website provided but we never heard back from this agency, and saw that two weeks later this debt was placed under my husbands credit report. 
This same representative called again after the debt was on the credit to now speak with me and I asked her again to validate the debt. She offered a settlement amount but could not send me anything in writing to confirm the amount and the agreement. I asked her again to send this info to our current address so that we could review the debt and the settlement offer and the rep denied stating that she had this debt put on our credit and it would stay there until we pay her. 
If a letter of an agreement cant be sent to our mailing address, how do we know its real? and this offer sounds like extortion since she wants us to send her money with nothing in writing, no paperwork to validate if we truly owe this amount and no letter to confirm the settlement agreement. 
Today i received notice that this debt has been placed under my credit report as well. How is this possible when the rep advised me that this account was solely under XXXX XXXX?
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, On XX/XX/20 I received the following deletion letter from XXXX XXXX requesting the deletion of collection item via all credit bureaus. Please note that as of XX/XX/20, the collection item is still on my credit report regardless of the multiple disputes and after providing Experian with the deletion letter. 

The Compliance Supervisor from XXXX XXXX sent the me the following email stating the following : " I wanted to reach out and let you know that we are still working towards resolution on this matter. Experian has advised that our deletion request had been rejected. We were informed that they would be looking into this matter. We will be following up with them today to see if they were able to resolve the issue on their end and delete our information. '' It is important to note that this collection item was removed from XXXX and XXXX earlier this year.
Product: Credit reporting or other personal consumer reports

Experian you reported an alleged transaction on my Consumer Report that is indeed closed with a XXXX $ Balance that that has been identified as late. 
15 U.S. Code 1681a - Definitions ; rules of construction ( XXXX ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; My transactions and experiences with your company are excluded from the consumer report. 
You have no right to furnish my transactions and experiences when the law clearly states that this information is excluded from my consumer reports. 

Also the only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

In order for any creditor to treat a payment as late you must prove that : The proof that this information was mailed out or delivered 21 days before the payment due date.

15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information. 
A creditor can not treat a payment as late without complying with this section of the law!
Product: Credit reporting or other personal consumer reports

I have disputed late payments that was placed on my TranUnion credit report 3 times. XX/XX/year>, XX/XX/year>, XX/XX/year> TransUnion responded verified. 
After I received the results from my XX/XX/year> dispute I have requested the documented proof they should have received after the investigation was completed and the request was completely ignored. Im not sure if the investigation and responses is computer generated but they failed to provide me with the documentation they should have received
Product: Mortgage

In XXXX I started the short sale process with Select Portfolio Servicing. 

SPS requested a BPO on my property that was made on XX/XX/19 and the banks appraised value was $ XXXX. The buyer presented an offer of $ XXXX and is willing to increase the offer to match the bank 's appraised value. However the bank is now stating they are aware the value is $ XXXX but they want $ XXXX. This is bordering on consumer fraud and not acting in good faith. They are wanting a higher amount than the value of the property. If they were lending to the buyer, they would NEVER give the buyer a loan for $ XXXX for a property valued at $ XXXX. This is ludicrous and forcing me into foreclosure. PLEASE HELP ME. This is my second request and I have no where to turn.
Product: Credit reporting or other personal consumer reports

items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts. collections. and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 
What would be a fair resolution to this issue? I ASK THAT YOU REMOVED THESE
Product: Credit reporting, credit repair services, or other personal consumer reports

My consumer rights are being violated. I have fraudulent accounts appearing on my credit file that need to be removed immediately. Notice, it is a fact, I, the affiant is a consumer has the right to privacy pursuant to 15 U.S.Code 1681 ( a ) ( 4 ). XXXX, Transunion and XXXX has violated my right to privacy by furnishing private information about me without any lawful authority or my written consent. Notice, it is a fact, affiant is aware, all consumer reporting agencies, must follow reasonable procedures pursuant to 15 U.S.Code 1681 ( b ). The reasonable procedures listed in the affidavit herein were not followed and this a violation of 15 U.S.Code 1681 ( b ) .Notice, it is a fact, affiant is aware, transactions authorized by my credit card, and credit card is defined in both FCRA and has the same as the definition in TILA as any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Thus making my social security card a credit card. This account was authorized by my social security card, a credit card and therefore must be excluded from my consumer report. This reported information published on my consumer report for XXXX, account number XXXX and JPMCB account number XXXX is a violation of 15 U.S. Code 1681a ( 2 ) ( B ) and must be removed.Notice, it is a fact, affiant is aware a consumer reporting agency needs written instructions by I, the consumer, to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. By definition { Company Name } has committed identity theft. This is a violation of 15 U.S.Code 1681b ( a ) ( 2 ) and information associated with XXXX, account number XXXX and JPMCB account number XXXX must be removed.My consumer rights have been violated according to the FCRA and if these accounts are not removed immediately I will seek remedies for violations of my consumer rights. 1681n ( a ) ( 1 ) ( A ) - willful failure to comply with any requirement under the FCRA is damages up to {$1000.00}
Product: Credit card or prepaid card

My XXXX XXXX VISA card was transferred to Bacalys bank. I never received my new Barclays XXXX MasterCard in the mail. I tried calling Barclays customer service at XXXX but was unable to speak with a Customer Relationship Agent. I called several times and was put on hold for 45 minutes each time. I fear my new credit card is lost and it will be used by an unauthorized person. I have not activated the card as I have not received it. My account ends in XXXX.
Product: Credit reporting or other personal consumer reports

Requested security freeze for my XXXX minor children one month ago with EXPERIAN in XXXX by mail. Submitted all necessary documents. Have not received any information about the status of the freeze by email or mail on any of my children. Unable to contact EXPERIAN by phone or email. When calling - no option to speak to live person.
Product: Checking or savings account

I attempted to initiate a wire transfer last week to send payment for an overseas trip. The wire transfer did not go through. In the process, I added the bank through which the funds were to go in error. I asked them to remove that bank during one of my many conversations but they refuse. I requested the wire cancelled. I received notification from the bank that it had been cancelled. They have locked access to my account continually saying it is being investigated for fraud, even though the wire transfer was cancelled. I am filing this complaint because they are holding my funds hostage, will not give me access to them, despite cancellation of the wire.
Product: Debt collection

Contacted Personify Financial a few times account XXXX informed me that this is not my account, also contacted all three credit reporting agencies and only XXXX go back to me and still hasn't fixed the problem.
Product: Money transfer, virtual currency, or money service

XX/XX/22 XXXX $ XX/XX/XXXX I was scammed out of XXXX XXXX I filed a claim, XXXX XXXX XXXX Zelle both failed to conduct an actual investigation and my money was never returned to my account. XXXX XX/XX/XXXX I was scammed again for XXXX $ from a merchant that I use often but this time around they did not deliver what I paid for. I filed a police report because of the lack of trust I have with XXXX XXXX and zelle to conduct an investigation to retrieve my funds. XXXX. 

I want my XXXX $ back or I will escalade this matter. 

If nothing is done I will be seeking legal help to get my money back rather its through the courts or XXXX arbitration. I work too hard for my money not to have it returned back to me.
Product: Mortgage

I 'm being denied for a loan that I qualify for because my past short sale which settled on XXXX/XXXX/2011 is showing up as a foreclosure in the automated XXXX and XXXX XXXX underwriting report.
Product: Credit reporting or other personal consumer reports

I have sent multiple dispute letters to Experian regarding inaccurate information on my credit report. Despite providing evidence, Experian has failed to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ). Specifically : 15 USC 1681e ( b ) : Experian has not ensured the maximum possible accuracy of the information in my credit file. 

15 USC 1681s-2 : Experian has continued to report inaccurate information after I provided notice of disputes. 

15 USC 1681i ( 5 ) : Experian has reinvestigated and reinserted disputed items without notifying me, as required by law. 

15 USC 1681c ( c ) : Experian has reported obsolete information that should have been excluded from my credit report. 

Recently, I became aware of the lawsuit filed by the CFPB against Experian on XX/XX/year> titled " CFPB Sues Experian for Sham investigations of Credit Report Errors. '' According to the CFPB, Experian has failed to conduct proper investigations and has even reinserted errors on credit reports, which aligns with the issues I've been facing. 
Experian 's failure to comply with these laws has caused harm to my creditworthiness, limiting my access to credit, employment, and housing opportunities.
Product: Debt collection

AD ASTRA RECOVERY SERVICES , INC . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX To : The XXXX XXXX XXXX XXXX for AD ASTRA RECOVERY SERVICES , INC . 


From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt with my signature.

4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number that give you rights to collect in my state. 


You will forthwith return and transmit your written evidences of your delegated authority to represent that you and Speedy Cash 308 is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement XXXX XXXX XXXX XXXX private information to other members, possibly resulting in identity theft. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only.

I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and XXXX XXXX XXXX XXXX  to have confirmation of proof if you respond without the proper validation request or not in the 15 day timeframe you have. 

You have 15 days from the date of this letter to respond with all items requested or this is considered an insufficient validation response and this item must be removed immediately or I will seek litigation for Monetary damages.

Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles. 

If you lack understanding of this paperwork, forward to your ATTORNEY. 




By : XXXX XXXX XXXX
Product: Credit card

Synchrony Bank is applying portions of my payments in excess of minimum payment due to my lower interest rate balance instead of the balance subject to the highest interest rate.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX 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 : U S DEPT OF EDXXXXXXXX XXXX XXXX XXXX DATE OPENED XX/XX/scrub>XXXX XXXX BALANCE {$1400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION 15 USC 1692XXXX. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Disputed XXXX XXXX firm for {$1200.00}. XXXX XXXX took my money and did not represent me in a case with XXXX XXXX. She never contacted XXXX. The attorney did not give my file back. The attorney did not return my money after she fired herself on XX/XX/XXXX. 

Discover Card told me to upload a letter from XXXX showing that the attorney did not contact them for representation of me. XXXX never heard of this attorney or firm. 
Discover Card told me to upload any emails I have from the a XXXX attorney showing XXXX XXXX did not give them receipts and invoices I gave her to give to them. 

I did all of the above, yet Discover Card is not doing what they said and they are being hostile toward me. I have been a good paying customer with Discover Card since 2014. I expect more from Discover and I expect respect and to be treated with dignity and honesty. I expect my credit card company aka Discover Card to believe me.
Product: Mortgage

I have applied to refinance two home loans with Fifth Third Bank. The applications were completed at the end of XXXX and I was told it might take 3 months to complete. We are closing in on 5 months, now. I am continually told that everything is in process but can not get a firm answer about approval or closing. My loans are straight forward, no risk loans. One is for 20 % XXXX ( XXXX ) and the other 65 % XXXX ( XXXX ). I am high net worth individual. 
I have talked with XXXX XXXX, Loan Originator and XXXX XXXX, Loan Underwriter. I can't get a straight answer. I feel misled and an application should not have been taken if this instituition can't process loans with 5 months time.
Product: Credit reporting or other personal consumer reports

Reported XXXX inquiries not made by me XXXX XXXX XXXX XXXX XXXX They are not tied to any cards of mine I tried to dispute on all three bureaus Also was part of a breach
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated my account was properly investigated but how is that possible is the dates is inaccurate and the date last reported is not accurate. this is grounds for removal they also violated my rights under law.

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 a account without my written instructions. 

The accounts in question is XXXX XXXX XXXX account # XXXX ... Also XXXX account XXXX ... Also XXXX  account # XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute outdated information on my credit report. Under the Fair Credit Reporting Act ( FCRA ), negative accounts should not remain on a credit report for more than XXXX years from the date of first delinquency. 

The following accounts on my report exceed this limit and should be removed : XXXX. XXXX XXXX XXXX XXXX years, XXXX months old XXXX. XXXX XXXX XXXXXXXX XXXX  years, XXXX months old XXXX. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX I request that you remove these accounts from my credit report immediately.
Product: Debt collection

This company keeps calling here all day and leaves no message the calls are getting out of hand. I have no idea why they are calling.
Product: Debt collection

I ordered a money card reading machine for my business the machine did not work and I mailed it back with permission from company. I did not even used the card reading Machine and the collection company that is now trying to collect debt, I dont have a contract with them. And collections increase every month. Please help me to get this off. I dont owe them anything and this was suppose to be set up as a business account. I never ever used the machine because it was broken and I never had money deposit to my account using their machine because I returned it.
Product: Credit reporting or other personal consumer reports

XX/XX/2023, Dear : whomever who is reading this I hope this letter finds you well. I am writing to officially communicate my decision to opt out of any and all authorizations, whether written, unwritten, or verbal, in accordance with the Fair Credit Reporting Act ( FCRA ), as a protected federal consumer. As per 15 USC 6802, I am exercising my right to revoke any authorization that may have been previously given, and I request that you cease any further use or disclosure of my information in this regard.

Furthermore on this hard inquiry should be removed immediately per 15 USC 1602P.
( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.

Please acknowledge this request and confirm in writing that my decision to opt out has been duly noted and implemented. I appreciate your prompt attention to this matter. Thank you for your cooperation.

Sincerely, XX/XX/XXXX