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

I have been battling with Equifax for months concerning this last name that do not belong to me. I sent in all the proper documentation showing my name and address. I have requested Equifax to remove and update my name and address and Equifax refuse to correct this incorrect information. XXXX XXXX is not my name and there is a new address on my report that do not belong to me. XXXX XXXX XXXX, XXXX, Ohio XXXX. I sent in my social security card and a copy of my utility bill with my Nevada residency which I have been a residency for years. My name is XXXX XXXX and I live at XXXX XXXX XXXX, XXXX XXXX, nevada XXXX.
Product: Credit card

I bought a sleep number bed XX/XX/XXXX. My account was sold to different banks a couple times throughout the payout portion. I eventually fell behind, totally my fault. XX/XX/XXXX I was contacted by a law office to collect the debt. I agreed to pay about {$20.00} every two weeks. This has been over two years ago, and I called for my balance today. The original debt was {$1200.00}, I have paid over {$1200.00} in the years I have been paying, but still owe about {$2400.00}. I called the attorney 's office and they informed me that my debt was {$3600.00} when they got it. I pulled my credit report and called every bank that has had this loan/credit account, and none of them can tell me where the {$2000.00} came from. I feel I have paid my debt back, and do n't mind paying some fees, but {$2000.00} on a {$1200.00} debt seems insane.
Product: Credit reporting or other personal consumer reports

Ive recently check my consumer report and notice several unauthorized inquires.
Product: Credit card

American Express XXXX XXXX  XXXX  had an advertised signing points Bonus for new customers of XXXX points after meeting the spend. I did not initially qualify since I had a security block on my credit. I removed he credit block and called the advertised number to resolve my pending application. At the time of the phone application the agent confirmed I would receive the points for the signing new customer offer once I met the spend. I met the spend and called customer service to check o the point. The agent confirmed I would receive the points in XXXX weeks. I called again and this time they stated I did not qualify even though I met the spend. This was escalated and again it was communicated I would receive the points. I waited and few weeks later i did a chat to obtain an update and it was back to the message that I did not qualify even though on multiple occasions the customer service agents confirmed I would receive he points. I escalated and the XXXX pulled the call recordings of the agents stating I would receive the points and it has not been almost XXXX  months and I still do not have the points. I met the spend and was told multiple times I would be provided the points I earned and yet I have not been provided the XXXX point bonus.
Product: Debt collection

on XXXX i requested a validation of letter concerning the validity of this alleged debt. They failed to respond. I am aware of FCRA and FDCPA law. This agency is in violation under 15 USC 1692 G and 15 USC 1681. I am requesting the removal of this account from all three credit bureaus XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the validity of a tradeline appearing on my Experian credit report. As required under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ), Experian is obligated to ensure the maximum possible accuracy of information on consumer reports and to conduct a timely investigation of disputed items. However, the tradeline referenced below has not been validated within the required timeline, and I am requesting its immediate removal :
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letter out to the creditors and XXXX i Heard back from XXXX but none from the creditor XXXX said they cant remove it without a letter from the creditors but they want even respond back to my letters
Product: Mortgage

Rushmore loan management services is not accepting any paymens at all from me, i am only 2 months behind in payments and they have already started forclosure proceedings which they claim a foreclosure letter has been issued. i have been trying to make my monthly mortgage payment to not go more than 2 months past due until i file my taxes to get my refund and to pay current but they refuse to take any payment whatsoever. they state only if i pay the current mortgage ( which isnt due yet til XX/XX/XXXX and the 2 month past due. they are intentionally trying to forelcose by not accepting a mortgage payment to escalade to trustee sale to foreclose. the rep stated there are notes on her account that i have a large amount of equity and to only accept full 3 months payment only, they are rushing to foreclose asap because they know amount of equity i have. this just happended on XX/XX/XXXX when i called to make 1 mortgage payment and they refused. my mortgage got transfered to rushmore loan management back on XX/XX/XXXX and they raised my new mortgage monthly payment from XXXX to XXXX per month with out any notice at all, and now they are refusing to allow me to pay. please some get involved becuase they are threating to foreclose because of my equity i have. im only 2 months past due and theyare not allowing any payment whatsoever unless i pay the current mortgage not due yet and the 2 months past due. please, this is urgent! i will get my payment caught up once i file my tax returns but they still have not sent my mortgage interest 1099! they stated will not be sent until next month when they all go out
Product: Credit reporting or other personal consumer reports

I am writing to formally request an investigation into an unauthorized hard inquiry on my Experian credit report. I discovered this inquiry while reviewing my credit report and believe it was conducted without my knowledge or consent. 

The details of the inquiry are as follows : Date of inquiry : 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 or any affiliated party to access my credit report, nor did I initiate any transaction, application, or business relationship with this company that would warrant a hard inquiry. According to the Fair Credit Reporting Act ( FCRA ), only inquiries authorized by the consumer are permissible. I have already contacted Experian and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  , regarding this issue and have not received a satisfactory resolution. Therefore, I am seeking your assistance in removing this unauthorized inquiry from my credit report.

I request your prompt attention to this matter, as unauthorized inquiries can negatively impact my credit score and financial standing. Please let me know if you require any additional information or documentation to assist in your investigation.

Thank you for your time and assistance. I look forward to your response.
Product: Credit card

I was notified by American Express that they are enforcing a credit limit on my American Express XXXX consumer card. Which is a card that is promoted All over the world as a cash card with no present spending limit and they charge a hefty annual fees for that reason {$690.00}. 

When I asked why I was placed under a limit despite the fact that my card should have no limit, I was told my spending behavior over the past XXXX months was high and it did not match my profile. They also told me that I could not use their card for transactions with a retailer that I have an existing relationship with. And told me that this behavior is against their card holder agreement. In addition, they lowered the limit on my other American Express XXXX XXXX  account, which I did not have any transactions on similar to my American XXXX  card. 

I asked for a copy of the agreement and there was no reference to any terms which they based their decision on. When I called back to ask them for a specific term or reference line to their credit agreement, I was told that I wont find such term in their agreement. 

Please note that I have a been a card holder with American Express for XXXX years and never missed a payment and have an excellent credit score. Which should give them no right or reason to treat me the way they did. Made a decision on my accounts to place me on a spending limit, and made reference to their card holder agreement, and its all false and have no basis. They lie to their customers and make false accusation and promote misleading advertising on their American Express XXXX  card being a limit less card is totally false
Product: Credit reporting or other personal consumer reports

I moved for XXXX to stop reporting negative accounts on my consumer report. I did not give written permission to have these accounts furnished on my credit report ( 15 USC 1681a2 ). These accounts must immediately be stopped from reporting on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I filed a dispute over a collection being reported. I am an XXXX XXXX XXXX and the Serviceman 's Civil Relief Act ( SCRA ) protects me from having debt collections on my credit report. This debt, whether paid off or not, is not reportable per this guidance. I wish to have this taken off immediately. For your information, the debt just happens to be paid off so it is not necessary for me to have to speak to the collection agency at this point. Thank you for your time, XXXX XXXX.
Product: Debt collection

On XX/XX/21, I received a notice from Sequim Asset Solutions that I owed {$330.00} to XXXX. This was the third time I have disputed this XXXX bill as it was paid in full. I have sent a notice on XX/XX/21 to Sequim disputing the debt, along with proof of payment and requesting debt verification. It was sent certified # XXXX XXXX XXXX XXXX XXXX. Sequium has failed to verify the debt, but yet has reported this to the credit bureau. When I disputed this through XXXX, Sequium just said " it is valid '', but still has yet to provide ANY proof or remove it since it was PAID IN FULL.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the credit bureau Equifax to get the status of my dispute that was filed and XX/XX/2018. After speaking with a customer service rep I was told that the item in question was deleted from my account however it was placed back on XX/XX/2018. I received no notification via email or letter in regards to the status of my credit dispute I was told to dispute the item again. I also told the customer service rep that I attempted to contact the Creditor via email by phone and visiting their office but they are no longer available. The phone number is disconnected and the business is closed.I also asked for contact information of the Creditor and it was the same information that I used to attempt to contact them.Unfortunately, I had to dispute the account again today. Equifax is refusing to remove the item that was deleted on my report although they know the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I write in response to an ongoing matter with XXXX XXXX XXXX XXXX XXXX. On or about XX/XX/XXXX  a credit application was processed by XXXX XXXXXXXX XXXX XXXX without my consent to obtain a lease on a XXXX XXXX XXXX vehicle. The lease should have only been in my son, XXXX XXXX name. I wrote to XXXX legal, executive office, and Fraud Control, and received only one call back from someone named XXXX. XXXX advised me that she would be looking into this matter and reverting back with me. I did not receive any further response from XXXX or anyone else at XXXX. We have sent multiple follow up emails to XXXX general counsel XXXX XXXX, to XXXX Fraud Control, and they continue to ignore our request for resolution. 

Moreover, XXXX had locked access to this account online for my son and myself and therefore my son can not access this account to view or try to make payments, edit preferences, etc. XXXX ignores our request for resolution, and my next step is to take legal action. When I call XXXX customer service is largely incompetent and unable to assist.
Product: Debt collection

the information from check n go that was given to you on my behalf was false information. 

i contacted the XXXX XXXX XXXX  as check n go requested and they responded today. i will upload the email.
Product: Credit reporting or other personal consumer reports

Greetings, First and foremost, between XXXX and XXXX, I contacted LexisNexis Risk Solutions regarding my adult daughters ' vehicles and accident information being added to my clue reports. I verbally explained to XXXX  XXXX XXXX XXXX XXXX representatives before my policy went into effect that we don't share vehicles. 
Secondly, somehow an accident dated XX/XX/XXXX ended up on my claim 's history, and it was confirmed that I was aware of the incident when I wasn't. 
Third, I physically went in the XXXX, Georgia location and updated my new address in XXXX after I purchased my new vehicle. Recently, I never received a bill via mail or electronically since XX/XX/XXXX resulting in my insurance being canceled in XX/XX/XXXX. Prior to that, I would have to call the insurance company to receive my documents, receipts, and they would claim that they mailed it on their end. Normally, I have an extra 30 days to pay before the XXXX of each month. After I tried to pay my balance on XX/XX/XXXX, I was verbally informed that my policy cancelled due to nonpayment, they contacted me via text, and that they weren't going to reinstate my insurance. ( This was the wrong telephone number on file ) Prior to that, I was being harassed by the XXXX location over membership fee 's being paid. This was reported to the corporate office, and they agreed that I had 60 days. Recently, I contacted their corporate office in XXXX, Georgia, and it was confirmed that the wrong contact information was on file with XXXX  XXXX XXXX. This lapse of coverage and inaccurate information is causing me to pay much higher premiums. As a consumer, I have no control over unverified information being placed within my claim 's history by insurance companies to raise costs. 9 years ago, this was the same company that claimed that I had multiple tickets when I didn't. To make matters worse, XXXX  XXXX XXXX XXXX confirmed that I was aware of the incident mentioned above when I wasn't. Fourth, I believe that XXXX  XXXX XXXX has deliberately reported inaccurate information in order to raise their premiums. I'm asking for assistance with this matter. There's no letters at this time because waiting on the results from LexisNexis.
Product: Debt collection

XX/XX/XXXX. I was seen by a XXXX XXXX on two ( 2 ) occasions. XX/XX/XXXX & XX/XX/XXXX. I received a call from Allied Collection, stating I have a debt from such named doctor. I was n't made aware of a debt until now, on XX/XX/XXXX. I then contacted the office of XXXX XXXX. Where then I spoke to settle the matter. She was NOT helpful ... .RUDE. I was n't trying to get out from paying what I owe. I just was n't informed or contacted. Which having the same number for over ten ( 10 ) years & residing at the same address since XX/XX/XXXX. Again I do n't believe this action of fees is fair because I was n't contacted, then the time I was contacted and who I was contacted by 3 3/4 years later. Is their a " statute of limitations ''.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the account listed below, which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX : [ Acima digital fka simp ] [ XXXX ] THIS ACCOUNT IS ONLY LISTED UNDER ONE BUREAU, WHICH IS CREDIT REPORT ERROR. IT SHOULD BE DELETED FROM THE CONSUMER REPORT [ XXXX ] IMMEDIATELY. 

In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX Balance {$850.00} Open Date XX/XX/XXXX inquiries XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX Date XX/XX/XXXX 2024
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian on XX/XX/2021 about 4 fraudulent bankruptcies that are showing on my credit report. Attached are the letters I send them with the certified mail receipts. I did my research about these fake bankruptcies and I found that there is a wait time between bankruptcy filings which means there is no way that these bankruptcies are mine. These serious errors are preventing me to get necessary financing. 

Chapter to Chapter Options Wait Time Between Bankruptcy Filings Chapter XXXX to another Chapter XXXX bankruptcy 8 years Chapter XXXX now filing for Chapter XXXX bankruptcy 4 years Chapter XXXX now filing for Chapter XXXX bankruptcy 6 years ( or payment in full on Chapter XXXX repayment plan ) Chapter XXXX to another Chapter XXXX bankruptcy 2 years
Product: Credit reporting

I have requested my free annual credit report with Equifax and I included all their required information and documentation, using legible copies, but they have denied my request, stating my proof of identity does not match what they have on file. Then they ask for the SAME items I have already sent them. 

They want a copy of my Soc Sec card AND a copy of my current driver 's license, both of which I have already sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, several times I submitted a complaint about this company. On XX/XX/2022, I submitted XXXX as a dispute about bankruptcies that they supplied to the credit reporting agencies. I disputed those bankruptcies on the grounds of consumer laws ; 15 U.S.C 1681 ( a ) ( 4 ) 15 U.S.C 1681 Section 604 A Section 2 Once LexisNexis came back saying my bankruptcy was accurate and verified, I sent them a letter asking for, 15 U.S.C 1681 a ( e ) They sent me a letter on XXXX XXXX stating that bankruptcy was unverified through the XXXX report and it will be updated and deleted from my file. I called again on XXXX XXXX for verification of the deletion. A representative told me that they only deleted one of my bankruptcies and the other one came back verified?! I asked how is that possible when you got your information from XXXX website and that I didn't give permission nor did the bankruptcy courts provided that information. They could not answer 15 U.S.C 1681 a ( e ) How could one be verifiable and the other is not? I want the other bankruptcy deleted from my report. I will upload the letter they sent about the deletion from my file and copies of my XXXX Report to show proof that they lied about being unverified because they know they violated Consumer Law 15 U.S.C 1681 a ( e ).
Product: Debt collection

I have told them verbally and in writing to not contact myself or family instead they have increased calling to XXXX to XXXX calls a day. Midland credit
Product: Debt collection

To : Consumer Financial Protection Bureau I am writing to bring to your attention an issue that I am having with a Debt collection company under the name of XXXX XXXX XXXX XXXX ( XXXX ) XXXX sent me a letter where advised that XXXX XXXX XXXX XXXX asked them to collect from me the amount of {$160.00} because according XXXX XXXX XXXX XXXX records after I returned my XX/XX/XXXX leased vehicle by ending XX/XX/XXXX I got an outstanding balance. I first never received notification of a charge against me and this collection letter doesn't explain the reason why I owe them money. I immediately took steps to see what was going on and I decided to call XXXX XXXX XXXX XXXX and clarify this issue they couldn't explain me the reason why I am getting this charge about it and beside that they were rude over the phone and refusing to talk to me and telling me that I have not longer account with them and I had to be direct to the collection company this happened twice in two different time that I tried to resolve this issue with XXXX XXXX, and they kept re-directing me to the collection company. After feel so frustrated I decided to call the dealer XXXX XXXX where I returned my XX/XX/XXXX leased and spoke with same sale person who took my leased back and sold me a new XXXX leased and he checked my records and he said XXXX XXXX XXXX XXXX is charging me because I didn't return the 2nd Key from my XX/XX/XXXX Leased and I called again to XXXX XXXX XXXX and advised them that I still have the XX/XX/XXXX Leased key with me that I can return it and also I asked them how you can charge for something that I wasn't aware that I will get charge if I don't return also there is not where saying that I have a time frame to return the key and get charge for if it doesn't get returned. I am very concern at this time because they sound not be reasonable and careless if they make a negative mark on their customer credit records for something can be resolve in the right way. Once again I never get any disclosure that I had to returned the 2nd key in a time frame if not I will be charge for. This is incorrect and not acceptable. I really appreciate if someone can assist me in this matter. Thanks!
Product: Mortgage

My loan to value ( XXXX ) is currently at 75 %. I contacted this company to remove my private mortgage insurance since I am still paying when I no loner required to do so. I previously requested removal of PMI which has not occurred. As a result, I would like it immediately removed and reimbursement of the all PMI since XX/XX/2018 ( when my loan was transferred ). This company continue to state that it takes time or they haven't received my correspondence.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 I am reporting a fraudulent inquiries found in my credit report
Product: Money transfer, virtual currency, or money service

My concerns is in regards to Zelles handling of disputes, especially in the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies, Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was quite impossible and that they would be unable to track these transactions. The recent findings of CFBP indicate that Zelle not only neglected to protect customers but have also allowed to repeat offenders to exploit the system leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.