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

I am submitting a formal complaint to XXXX. I have submitted various verification letters to XXXX of fraudulent inquires on my credit report that continue to exist. XXXX has knowingly failed on their obligation to receive proper written verification for multiple inquires on my report and have taken no account to deleting this inaccurate information. A year ago I filed a FTC report for identity theft and a CFPB complaint for an inquiry by Lightstream/Suntrust . The company provided an application with the reference number XXXX and failed to show proper verification that identifies if my social security number or any other personal identification was used for this application and a valid signature that shows I applied for this loan. XXXX is wrongfully and illegally continuing to report this information despite not having proper verification for this inquiry.
Product: Debt collection

I filed A complaint with them a while back asking they verify my debt and they have failed to do so. now im asking for better assistance to have the collection removed off my file. its really shows affect on my score.
Product: Payday loan, title loan, or personal loan

Republic finance wants me to pay XXXX dollars for an attorney fee to remind me that I'm late on my loan after I already paid a late fee. 
The contract doesn't state how many days I have to be late to pay an attorney fee and Republic Finance keeps harassing me over the XXXX dollars attorney fee. 
A Republic Finance employee told me on the back of the contract it states " I will pay you all cost you incur in collecting this note '' but I was told by Republic Finance when getting the loan all I had to do was tell them I was going to be late and when I was going to be able to make my next payment but they said the XXXX dollars fee is not on the contract but it doesn't mean I don't have to pay it even after paying the late fee.
Product: Mortgage

Good Afternoon, Due to Corona Virus.XXXX XXXX is come to complete Stop. & Most of XXXX XXXX have notified me they will not be able to pay rent. I asked Bank of Hope for suspending my of my loan payment for 3 months. They are stone walling me and asking me for all kind of document on. This is very unprofessional going against federal guidelines. 

please look into it XXXX XXXX Loan # XXXX Loan # XXXX Loan # XXXX Bank Of Hope XXXX XXXX XXXX., XXXX  XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Iam a victim of Transunions inquiry issue XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to bring to your attention an inaccurate collection entry on my credit report, which has been reported by a company called XXXX XXXX XXXX XXXX from XXXX XXXX XXXX I request your assistance in resolving this matter as it does not belong to me and appears to be a case of identity t Details of the inaccurate collection are as follows : Creditor : XXXX XXXX Account Number : XXXX Amount : {$120.00} I have carefully reviewed my credit report and have confirmed that this collection entry is not associated with any account or transaction I have ever engaged in. Considering this, I believe my personal information has been misused, and this collection is the result of identity theft. 

I have already taken the necessary steps to protect myself from any further fraudulent activity, including filing a police report and notifying the relevant financial institutions. Enclosed with this letter, you will find copies of the supporting documentation, including the police report and identity theft affidavit, which provide evidence of the fraudulent nature of this collection. 

I kindly request that you investigate this matter promptly and remove the inaccurate collection from my credit report. I understand that the Fair Credit Reporting Act ( FCRA ) requires the credit reporting agencies to conduct a reasonable investigation into disputed items, and I trust that you will ensure a thorough examination of this issue. 

Please provide me with written confirmation once the investigation is completed, and the necessary steps have been taken to correct this error. Additionally, I would appreciate any assistance or guidance you can provide to help me resolve this matter effectively. 

Thank you for your prompt attention to this dispute. I look forward to a swift resolution, and I trust in your commitment to protecting consumers from identity theft and maintaining the integrity of credit reporting.
Product: Debt collection

Midland Credit Management of XXXX XXXX, California, falsely claims that I owe it money. I do not. Furthermore, it falsely claims that at some point I owed XXXX {$280.00}. I have not and do not owe this money to XXXX. ( Please note that an address in XXXX XXXX appears on Midland 's demand letter, while a XXXX XXXX address appears on a payment envelope they sent to me. See copies of each herewith attached. )
Product: Credit card or prepaid card

OnXX/XX/XXXXI responded to an online balance transfer offer from XXXX XXXX Total Rewards Visa. I transferred the balance of two of my XXXX card accounts, one was for the amount of {$8700.00} and the other was for the amount of {$5600.00}. The balance transfer of {$8700.00} was paid to XXXX but the amount of {$5600.00} was not paid and has not been paid as of this date by XXXX XXXX even though I have been charged and have been making payments on both transfers. After several calls to their customer service a dispute was opened on XX/XX/XXXX. I received a letter dated XX/XX/XXXX stating that they were working to resolve the issue but as of this date I have not heard from XXXX XXXX. I have written two letters to the address they provided but still no response. Due to their delay of payment to XXXX card I have been forced to pay the full balance of my XXXX card account. My last letter to XXXX XXXX stated that I have paid XXXX card and no longer want them to transfer the balance of {$5600.00} and to credit my account in that amount.
Product: Debt collection

Debt was charged off more than 4 years ago ( statue in california ). Debtor reported the activity to the 3 major credit bureau 's knowingly violating the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

m not liable with XXXX XXXX XXXX XXXX. i do not have contact with XXXX XXXX XXXX XXXX. they did not provide me with the original contract as i requested. 



correction to me my credit report i demand this account be remove from my credit report
Product: Credit reporting or other personal consumer reports

The reason for this complaint is for an unauthorized inquiry on my credit report I reviewed on XXXX I retrieved a copy of my credit report from XXXX report number XXXX and I discovered an inquiry that I have no knowledge of. 

Because I did not apply for credit with Portfolio Recovery Associates, they have no authorization to pull my credit report. 

Please launch an investigation into Portfolio Recovery Associates inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 

This In violation of the FCRA 1. 15 U.S.C 1681b FCRA limits access to consumers credit report to specific, permissible purposes and, 2. 15 U.S.C 1681n entities consumers to statutory damages of up to {$1000.00} for willful non-compliance with the FCRA, even if no actual damage occurs.

Thanks in advance for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a credit repair request to Experian and XXXX, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB, in order to address the situation and protect my rights as a consumer.
Product: Mortgage

XXXX was the original file #. This company continues to give me inappropriate information and management has made promises that they never follow through with after the call has ended. They have continually put errors and have damaged my credit due to errors in their system. They claim I am entering incorrect bank account # in the system which is causing payments to be returned. I am attaching information to support the information has been valid. There were 2 payments taken out for XX/XX/XXXX payment. This would have been impossible if the information was not entered correctly. I would like for my credit report to be corrected asap.
Product: Mortgage

We suffered a XXXX at a rental property, unfortunately the mortgage holder is OCWEN. We had difficulties with this company for payments miss-applied before. This time, they are holding the funds that are needed to pay for the repairs and adding more requirements to release the funds. I am forced to borrow money to pay the contractor doing the work. One such requirement was an inspection at the end of the repairs, now they are changing that to an inspection at XXXX %. We already completed XXXX % and they are still requesting documents before they schedule an inspection that was not agreed on nor communicated clearly.
Product: Debt collection

I received a wage garnishment notice from my employer on XX/XX/XXXX stating that the debt would be for an amount owed of {$5300.00} and the amount was due to be paid to Portfolio Recovery. I revised the garnishment forms, and they do not list the debt that is being collected, and the debt being pursued is from XXXX. My credit does not reflect any debts for the presumed amount, and I currently do not have anything in collections.
Product: Credit card or prepaid card

On XX/XX/2022 I was on line with Wells Fargo through my online account. They advertised balance transfers at 0 % for 18 months. I transferred {$11000.00} on XX/XX/XXXX. When I received my credit card statement the interest rate was 25.49 %. See attached.
Product: Debt collection

The Company Listed below has kept an alleged debt they say I owe on my credit report well over the Florida Statute of Limitations. Mortgage Foreclosure debts remain on ones credit for 5 years F.S 95.11 All other debts ( rent, utilities, health clubs, etc ) fall under the catch-all limitations period of 4 years F.S 95.11 ( 3 ) ( p ) Both of these Statutes have been violated by Hunter Warfield a Revenue Recovery Service located in XXXX Florida. I have filed a dispute through XXXX. This debt continues to remain on my credit which is causing damage to my credit report, for which I file this claim. According to the Fair Credit Reporting Act, they are willfully including inaccurate information on my credit report. 

This company is in direct violation. For which I file this claim to remedy this matter promptly. The information is listed below. 


HUNTER WARFIELD XXXX XXXX XXXX XX/XX/2012 {$2200.00} XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the persistent failure to remove charge-off accounts from my credit report despite numerous attempts to rectify this issue. 

Over the past several months, I have diligently pursued the removal of inaccurately reported charge-off accounts from my credit report through multiple rounds of dispute. Despite my efforts, the credit reporting agencies have failed to take appropriate action to correct these inaccuracies. 

The continued presence of these charge-off accounts on my credit report is severely impacting my creditworthiness and financial standing, making it difficult for me to access credit and financial opportunities. 

I have followed all required procedures outlined by the Fair Credit Reporting Act ( FCRA ) and have provided extensive documentation to support my claims, including evidence of payments and communication with creditors. Despite this, the credit reporting agencies have disregarded my requests for removal of these erroneous charge-off accounts. 

I request that the you intervene in this matter to ensure that the credit reporting agencies fulfill their obligations under the FCRA. This includes conducting a thorough investigation into my dispute, promptly removing any inaccurately reported charge-off accounts from my credit report, and providing me with a corrected copy of my credit report. 

Furthermore, I request appropriate restitution for any damages suffered as a result of the credit reporting agencies ' failure to address this issue in a timely and satisfactory manner. With this, I am asking for your assisstance to remove these accounts in my credit file : XXXX XXXX Balance : {$250.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 

XXXX XXXX XXXX : {$0.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.
Product: Credit reporting or other personal consumer reports

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 : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
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, IL 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 XXXX XXXX XXXX XXXX XXXX  {$5500.00}
Product: Credit reporting or other personal consumer reports

Per the Federal Credit Reporting Act as a federally protected consumer, per 15 USC 6802 I'am now OPTING OUT of ANY AND ALL Authorization I, the consumer may have given to Credit Collections written, unwritten, verbal or non verbal to report my nonpublic personal information. Credit Collections is in violation of the Privacy Act of 1974 as well as 12 CFR 1022.24 Reasonable opportunity to opt out because I was never notified by Credit Collections that my nonpublic personal information was going to be shared to non affiliated third parties such as XXXX, XXXX, and XXXX. I was NEVER GIVEN THE CHANCE TO OPT OUT. Also, 15 USC 6508 states that I have the option to opt out of any account reported to my credit report and I am supposed to receive an opt out notice every thirty ( 30 ) days which Credit Collections never sent to me. I am hereby exercising my rights under 16 CFR 313.7 Form of opt out notice to consumers. Also, Credit Collections violated the terms and conditions within their banking agreement, because Credit Collections states that they do not provide consumer information to third-parties which they violated by reporting my nonpublic personal information to the credit reporting agencies listed above. According to 15 USC 6802 B ) I am supposed to receive THREE different disclosures before my nonpublic personal information is shared but I never received notice. XXXX XXXX ALSO unlawfully sold this debt to a third party collection agency, AFTER the debt had already been tendered in accordance with UCC 3-603. I have never had a contract or agreement with Credit Collections and I do NOT consent to them reporting any account to my credit report. I am hereby invoking all rights under to OPT OUT and to Privacy protected by 15 USC 6802 B, 12 CFR 1022.24, 15 USC 6508, 16 CFR 313.7, the Privacy Act of 1974. I also realize that my account is being sold on the secondary market without my consent and if this account is not removed from my report within 24 hours. I will file a SEC complaint and a 3949a form with the IRS, because I was supposed to have gotten a 1099c from this charge off as its more than {$600.00} so remove this account are I will be forced to get a audit report done.
Product: Money transfer, virtual currency, or money service

Dear Sir/Madam of the CFPB, On or about XX/XX/2020, I entered into an investment SCAM with XXXX XXXX using my XXXX XXXX XXXX  account to transfer XXXX USD. They then took my funds and failed to repay the money to me upon request. 

It should be noted that the Company is a client of theirs by XXXX XXXX XXXX XXXX committing financial crimes right under their nose, which involve, among other things, stealing and laundering large sums of money on a regular basis. 

Although I am not their client, you can not deny the fact as a respected financial institution in the United States ; they didn't protect me about the risk of this transaction. They as a legitimate Payment Service Provider hereinafter " XXXX '' as all PSPs ( i.e. East West Bank ) are by law required to check acquired Merchants through proper Know-Your-Customer ( KYC ) and Anti-Money-Laundering ( AML ) procedures! It is apparent that the merchant ( the Company ) has never been examined by their organization! 

There is no need for particularly intensive KYC/AML checks to identify illegal broker schemes and fraudulent operators. Alarm bells for PSPs must ring at the latest when investor warnings from regulatory watchdogs reach the market. Moreover, measures have to be taken to avoid punishment by regulators and courts. 

As a regulated and licensed financial institution in the United States, they have strict statutory and regulatory obligations to monitor transactions and report any suspicious activities to law enforcement authorities
Product: Money transfer, virtual currency, or money service

A fraudulent wire occurred on my account. The wire was {$5000.00} and it was not authorized by me, when I noticed the wire I tried to call the bank to verify it wasnt me and for the bank to not go through with it, however it was too late as the scammers were able to confirm with my bank that the wire was me and it was completed without my authorization. I filed a claim and it was denied from chase, theyre reasoning was that I authorized the wire so it was my fault.
Product: Credit reporting

the investigation period has been over 30 days without full verification and validation. i attached the initial investigation request. 
XXXX XXXX Card CRA 611-15 USC 1681 5 ( A ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly DELETE that item of of information from the file
Product: Vehicle loan or lease

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that XXXX efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on GOLDMAN SACHS BANK USA. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Mortgage

I had damage to my home and the insurance company wrote a check to me and the mortgage company. I endorsed check and the mortgage company sold my Note to a different mortgage company without releasing funds for me to fix my home.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

As I notice this account on my consumer credit report with XXXX  claiming to own an alleged account from associated XXXX  XXXX XXXX. According to IRS any account that is claimed to be charged off has filed a 1099-C and is considered an CERTIFICATE OF INDEBTNESS ( INCOME ) and the consumer are to claim those credits as income on tax filings to be in compliance. Therefore, discharged accounts are income and can not be reported on consumer personal credit report. 
Since my first demand was ignored I the consumer have put on notice of this demand with the FTC and States AG. This complaint will also be included in my CFPB complaint. Consumer will file federal suit within 14 days of your receipt of this demand if demand isnt fully met. 
This is a 2nd demand to have XXXX XXXX XXXX removed my private information from their system immediately as well as my consumer CREDIT REPORT. As you are in violation of my privacy under the Privacy Act of 1974 and the California Consumer Privacy Act. I did not authorize XXXX  to buy or obtain in anyway my private information including alleged debt and use it against me. This is an abusive and deceptive act. XXXX  has obtain my personal private information and what your company believe to be my private account information to collect credits off of by claiming to be owner of an account under the consumer name without a legal contract. I have no agreement with XXXX. 
I did not verbally nor did I provide written agreement of sharing my personal information with 3rd party, non-affiliate companies as I am opt-out of 3rd party and non-affiliate sharing of my information. I would like to know who authorized XXXX  to obtain personal and private information of mine without my consent? Please provide original security or any documents relating to an agreement between myself and XXXX  Please provide documentary XX/XX/XXXX evidence of my authorizing of XXXX  to open an account in my name and infringe on my credit report. 
I ask that unless XXXX  can provide me the foregoing request, that you delete all my information. XXXX  is harassing me and failed to provide any documentary evidence of such alleged debt but instead has become in violation of not only FCRA and FDCPA but also the Rosenthal Act. 
As a California resident under California Consumer Privacy Act. I have the right to request deletion of personal information and opt out of sale of personal information. PLEASE PROCESS OPT OUT OF SELLING AND SHARING PERSONAL INFORMATION & DELETE PERSONAL INFORMATION. DELETE FROM PERSONAL CONSUMER CREDIT REPORT IMMEDIATELY. 
Per 15 USC 1681a consumer report can not have personal transaction history. This violation account on my consumer report has prevented me from equal and fair credit opportunities with damaging of the copyrighted name that XXXX  has opened an account under. I the consumer demand compensation for each month of violations of {$1000.00} per month until account is removed. I have enclosed an invoice.