23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm disputing these 4 unauthorized inquiries inwhich I did not authorize nor do I have any acknowledge of please remove these from my report in order to promote fairness. The inquires are, ( 1 ) XXXX ( XX/XX/XXXX ) ( 2 ) XXXX XXXX ( XX/XX/XXXX ) ( 3 ) XXXX XXXX ( XX/XX/XXXX ) ( 4 ) XXXX ( XX/XX/XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple inquiry entries that I did not initiate, nor give permission to release any of my credit information within my credit profile, the entries are as follow : 1. XXXX XXXX XXXX 2. XXXX XXXX, XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX, XXXX, XXXX 5. XXXX XXXX XXXX 6. XXXX. XXXX 7. XXXX XXXX XXXX 8. XXXX. XXXX XX/XX/XXXX, XXXX 9. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the bureaus on XX/XX/2020 to dispute 2 accounts that are reporting inaccurately on my credit reports. When the bureaus didn't respond, I sent another dispute letter for the same 2 items on XX/XX/2020. I still haven't received anything from the bureaus and it's been a total of 7 months now! To say there is a delay is putting it lightly and this is not acceptable by any means.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple hard Inquiries on my credit report that are not mine or that are duplicates and should be deleted because they are violating the FCRA. I feel that I am a victim of the shotgunning of inquiries on my credit report or possibly even misplaced hard pulls on my report that do not belong to me and they need to fix my credit report. I have tried to mail both the creditors Equifax already with no results. I never authorized such actions and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please investigate such occurrences and delete the following : XX/XX/18 XXXX : :XXXX  XXXX XXXX XXXX Credit Report Hard XX/XX/18 XXXX/XXXX XXXX/XXXX Credit Report Hard XX/XX/18, XX/XX/18 XXXX/XXXX  : :XXXX XXXX XXXX XXXX XXXX XXXX Credit Report Hard Equifax Hard XX/XX/18 XXXX   XXXX XXXX, : : XXXX XXXX XXXX XXXX XXXX XXXX Credit Report Hard XX/XX/18 EQUIFAX XXXX  XXXX : :XXXX XXXX XXXX XXXX Credit Report Hard XX/XX/18, XX/XX/18 FACTUAL DATA : :XXXX XXXX XXXX  XXXX  Credit Report Hard Equifax Hard XX/XX/18 XXXX XXXX XXXX XXXX Credit Report Hard
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following inquiries and accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any these unauthorized inquiries as well. 
XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$12000.00} XXXX XXXX Balance {$3600.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXXXXXX Balance {$0.00} XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX XXXXXXXX XXXXXXXX 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 XXXX 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 XXXX of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Debt collection

Today XX/XX/2024, I ( XXXX XXXX ) Was contacted by another collections agency and it led me to investigate my credit report. Finding that there is a collections mark from a " XXXX XXXX XXXX '', from a Walmart Reward card. 
I ( XXXX XXXX ), have never opened a Walmarts reward card nor am i the owner who has access to the account. My mother ( XXXX XXXX ) is the account owner and the only person who has access to it. I am only finding out about it due to my personal investigation. This account was opened under my name, my mother having access to all my information and listing herself as the secondary name on my credit report. 
I put in a dispute to have her name removed and it has now been removed.
Product: Student loan

I obtained a loan for {$19000.00} in 2003. I have been making payments since then. I have paid in principal {$18000.00}, Interest of {$8200.00} for a total of {$26000.00}. AES says that I still have a balance of {$18000.00}. I called several times and I do not have the dates, was also sent an amortization schedule as I requested and it is not correctly calculated. When I brought this up, they stated it is but could not explain how I have paid this much over 19 years and still owe the same amount I borrowed. AES encouraged me to file a complaint and this is what I am doing.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 
Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit DEPT OF EDUCATIONXXXX XXXX {$4600.00} XXXX XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$11000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$1000.00} XXXX
Product: Credit card or prepaid card

Barclays XXXX Mastercard - COVID 19 Scams The balance on the credit card is over {$5000.00} dollars as of XX/XX/XXXX and the actual balance should only be {$1000.00}. 

This is a common COVID 19 - XXXX type scam where banks just make up fake of fictitious balances that 'could be plausible ' so customers sleepwalk into paying incorrect statements.
Product: Mortgage

My complaint is with PHH MORTGAGE. I have been trying to get a modification completed with this company for 3 1/2 months!!! XXXX mid XXXX XXXX They have done nothing but delay week after week, asking for yet another document or verification. 
The letters they send XXXX from XXXX XXXX XXXX state I can always get a hold of my relationship manager XXXX XXXX, whom I have never ever spoke or heard from. The calls go to another country which is just a call center that PHH MORTGAGE has. If I ask, " ok do you have all the documents now? the answer is yes ... call back Friday. When I call back on Friday I am told oh now we need ... ..another item ... and the weeks keep just rolling by causing undo stress and pressure. 
They continually will ask for ONE document every week such as a Letter of Explanation, a verification of a tenant that is XXXX XXXX and is he the same as XXXX XXXX? They should be put out of business for their tactics. 
**Time is of the essence as my mortgage payment is about to escalate to almost $ XXXX/mth ( currently I am paying almost {$3200.00} ) as of XX/XX/2021. I can not maintain that amount. I am in good standing with my current loan, never been late. I have a full time federal job, another part time job and 3 tenants that contribute rental income. 
There is absolutely no reason for this modification to not be completed. I contacted XXXX  and there are countless complaints against this company for doing exactly what I am going through. Since contacting XXXX  ( which XX/XX/XXXX XXXX  stated they had submitted my complaint to them ) I have not been able to reach a live person with PHH, the calls are transferred to a voicemail of someone called XXXX who will call back within 24 hours ... and NEVER has. 
The last request was for a " financial statement '' which was already included in their RMA ( Request for Mortgage Assistance ) the week before. 
I have raised my XXXX children in this home and have poured blood, sweat and tears into this place we call HOME. I do not want to lose my home, please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX You have failed to establish that the information you are reporting is accurate. Instead, you merely provided an entry from a computer screen that, for all intents and purposes, proves nothing. I suggest you carefully review the Fair Credit Billing Act ( FCBA, Title 15 U.S.C. 1601 et. seq. ) before proceeding any further.

To summarize, the FCBA ( see 15 U.S.C. 1666 ) requires that you establish the following : No unauthorized charges occurred.

Charges do not list the wrong date or amount ; There were no charges for goods and services that I didn't accept or weren't delivered as agreed ; You did not make any math errors ; You did not fail to post payments and other credits, such as returns ; You did not fail to send bills to my current address ; Charges for which I asked for an explanation of written proof of purchase along with a claimed error or request for clarification Your next letter must fully establish that the information you are reporting to the credit reporting agencies is accurate.

As required under 1666 of the FCBA, I expect final resolution of this matter within 30 ( THIRTY ) days and look forward to receiving written confirmation of receipt of this demand as well as a detailed description of all actions you have undertaken in acting on this request.

Sincerely,
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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 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 other 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 viewed my credit report, and to my dismay. The original accounts were transferred, charged off/ sold, and I am no longer responsible for the account. Debtors ' creditors did not verify this collection. Also, there was no written form of communication, contract, or signature for this debt. A bill without a signature does not validate. According to the FCRA, XXXXXXXX XXXX has violated my rights as a consumer, and I'm requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX  XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Credit reporting, credit repair services, or other personal consumer reports

- In accordance with the fair credit reporting Act XXXX XXXX Balance Owed : {$0.00} has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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. 

- In accordance with the fair credit reporting Act XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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 - In accordance with the fair credit reporting Act XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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 - In accordance with the fair credit reporting Act XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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 - In accordance with the fair credit reporting Act XXXX XXXX XXXX Balance Owed : {$0.00} has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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 - In accordance with the fair credit reporting Act XXXX XXXX XXXX Balance Owed : {$0.00} has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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 - In accordance with the fair credit reporting Act XXXX XXXX I, XXXX XXXX Balance Owed : {$0.00} has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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 - In accordance with the fair credit reporting Act XXXX XXXXXXXX XXXX Balance Owed : {$0.00} has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2018, I received a phone call from XXXX XXXX XXXX, on behalf of University XXXX XXXX XXXX. They stated that I owe {$75.00} for services rendered and not paid for. I contend that I do not know of this company or hospital and have never received any care from the creditor in question. Previously, in XX/XX/2018, My home was burglarized at gunpoint. 5 armed thieves stole all of my personal Identification and all of my home electronics. A number of financial and home improvement accounts were opened in my name - fraudulently! I am 100 % adamant that I do not owe {$75.00} to XXXX XXXX and University XXXX 's XXXX. The account in question was set-up using my personal identification, which was stolen in XX/XX/2018. I have had numerous battles with XXXX, Experian and XXXX. I demand that all erroneous entries be removed at once or I will file an Attorney General complaint against the CRAs and Creditors!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Kindly update or correct these negative accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

When we got divorced in XXXX we had two rental properties with mortgages through Chase mortgage. On XX/XX/XXXX and XX/XX/XXXX my ex-husband forged my name on two loan modifications and Chase put both of these loan modifications in place. I found out about these forged signatures last year and have gone through several avenues to try and get it correct. The latest early in XXXX I talked to XXXX in the escalation department he said they would investigate. The next day he called back and said he was not allowed to discuss it with me anymore, but suggested that I have my ex apply for a loan assumption. ( I suggested that to him with no response. ) I had asked XXXX, and have asked again in writing 3 more times, what would Chase recourse be if he doesn't apply for an assumption or if he doesn't qualify. I have also asked the same amount of times, what is Chase 's process to verify signatures. It is obvious it is not my signature. I have gotten no answers. Yesterday I got a letter from Chase saying to contact them at XXXX. So I did. They questioned why I said it was a fraudulent loan. So explained again what had happened. I again asked my two questions ... what is their recourse if my ex doesn't get a loan modification and what is their process to verify signature on loan modifications. She told me she didn't know the answers to those questions and would have to ask underwriting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX XXXX XXXX {$570.00} DEPTEDXXXX   XXXX {$3600.00} XXXX  XXXX {$0.00} DEPTEDXXXX XXXX {$5800.00} XXXX   XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$4900.00} DEPTEDXXXX XXXX {$2800.00} XXXX   XXXX {$0.00} XXXX XXXX {$0.00} DEPTEDXXXX  XXXX {$6000.00} DEPTEDXXXX   XXXX {$3500.00} XXXX  XXXX {$6000.00} XXXX  XXXX {$3500.00} XXXX   XXXX {$6000.00} XXXX  XXXX {$3500.00} XXXX  XXXX {$6000.00} XXXX XXXX {$3500.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

According to 15 U.S. Code 1681c-2, this is my statement that all of the listed accounts have been reported without my consent and therefore is a result of identity theft and must be removed. These accounts are not related to any transactions made by me the consumer. I clearly never gave this agency written authorization or written instructions to report this information, This agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court.
Product: Credit reporting or other personal consumer reports

I am a federally protected consumer with the right to privacy. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information, to insure the security and confidentiality of customer records and information ; to protect against any anticipated threats or hazards to the security or integrity of such records ; and to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to the consumer. XXXX  XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, INNOVIS, and XXXX XXXX XXXX has continued to break to law while causing harm to my family.I have not given my written consent to furnish this account information and have I long ago contacted the creditor in writing and opted out off all communication regarding this account. The continued inaccurate reporting of this account shows that these companies have failed to adopt reasonable procedures which are mandated by federal law. Aside from the inaccuracies there are several experiences listed on my credit report that occurred between me and this creditor which violates the FCRA. Further, the IRS says that a charge off/cancelled dept qualifies as income, and I am supposed to receive a 1099-c from the creditor to claim my income, ( which this creditor has failed to provide ). Specific information regarding my income should not be advertised on my credit report. Lastly I have never received a bill statement from this creditor in a timely manner as required by law, yet until this account closed they continued to credit my account with late payment and additional charges. The negligence of these financial institutions have caused myself and my family extreme harm and anguish. These financial institutions have violated the following Federal rules and regulations 15 USC 6802- ( b ) ( 1 ) ( B ) by failing to comply with 16 CFR 314.3 ( b ) ( 1 ) 15 USC 1666b- ( a ) by failing to comply with 12 CFR 1026.7 15 USC 1681- ( b ) 15 USC 1681a- ( d ) ( 2 ) ( A ) ( i ) by failing to comply with 12 CFR 1022.20 ( b ) ( 3 ) 15 USC 1681b ( a ) ( 2 ) IRS Publication 4681 The Privacy Act of 1974 I am asking the CFPB to investigate these companies negligence. These companies have made my life difficult in reporting this account for the for several years. Now it is XXXX and I'm not able to get my family what they need
Product: Debt collection

Recived a notice from Sessoms and Rogers PA ON THE BEHALF OF XXXX XXXX XXXX about an old debt for a balance of {$520.00} It has brought a lawsuit against me to collect on this debt. IT is an notice of intent to file legal action in XXXX County District Court.
Product: Credit reporting or other personal consumer reports

Recently, I didnt investigation on my credit report which caused severe XXXX upon me and found unverifiable invalidated inaccurate and questionable items that your agency didnt make sure it was reporting 100 % correct. In accordance with fair credit reporting act everything has to be 100 % accurate on my credit report and under 15 US code 1681EB and 15 US code 16 815. These accounts are in violation of not reporting 100 % accurate. The credit reporting agencies say that these accounts were properly investigated and came back as verified however, how is this true when there are several inaccuracy showing on my report. As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 US C 1681 method of verification description of rein investigation procedure violation, accurate invalid. Experience has failed to fulfill it. Its legal. obligation under the fair credit reporting act. Two conduct a reasonable investigation into disputed information in my credit report. Leaving inaccurate and unverifiable accounts and resolved.