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

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXXXXXX 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 reporting or other personal consumer reports

This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
XXXX XXXX XXXX XXXX
Product: Debt collection

Hello CFPB. EOS CCA is threatening my credit along with XXXX regarding a debt that I do not owe to EOS CCA nor to XXXX. EOS CCA and XXXX are jeopardizing my credit by making me pay for debt that I am not owed to pay. The merchandise was not received and I have proof. My packages contained paper instead of my phones. LEGALLY I AM OBLIGATED TO PAY FOR WHAT I ORDER. LEGALLY I AM OBLIGATED TO RECEVIE WHAT I ORDER AND IN THIS CASE I DID NOT WHICH I HAVE LEGAL PROOF OF WHAT I RECEVIED AND I HAVE LEGAL PROOF OF MY POLICE REPORT AND I HAVE LEGAL PROOF WITH THE REFUND CONFORMATIONS THAT XXXX EMAILED ME DUE TO THEM CONFIRMING THAT THE ITEMS WERE NOT RECEVIED WHICH THEY WERE NOT AND I HAVE PROOF. I ORDERED XXXX FOR OUR WORK AND DID NOT RECEIVE THEM. XXXX confirmed the phones had no usage in my name nor there was any calls on the devices and XXXX informed me that they have blocked the XXXX so no one uses them and they have issued me refunds. I have all my legal documents proving i am not responsible to pay for a debt when I never got the items. I have also filed a police report with the XXXX which I will attach. EOS CCA and XXXX needs to cease this invalid debt because I am not responsible to pay for something when i never received my items. mY ITEMS THAT I PAID OVER {$13000.00} FOR I NEVER RECEVIED AND I HAVE PROOF ALONG WITH MY XXXX REPORT. THIS DEBT REMAINS UNVALID AND I HAVE NOTIFIED XXXX REGARDING THIS. EOS CCA AND XXXX NEEDS TO STOP HARRASING ME AND ASKING FOR MONEY THAT IS DEEMED NOT OWED TO THEM AND I HAVE LEGAL PROOF. CFPB PLEASE RESOLVE. PLEASE SEE ATTACHED POLICE REPORT. THANK YOU.
Product: Mortgage

mortgage compang will not allow me to schedule or view payments i am 4 months behind on payments but according to your website foreclosure cant begin until i am 120 days delinquent on my payments which I am not. i am currently just over 90 days delinquent and have a payment scheduled for this week which will put me at just over 60 days delinquent. On top of that my mortgage servicing company switched and i have been locked out of my account for half of the last 30 days and couldnt make payments and believed payments to not be credited properly
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. I HAVE ABSOLUTELY NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Product: Debt collection

XXXX XXXX XXXXXXXX XXXX ) sent a " debt '' that I supposedly had been delinquent with since XXXX to AWA Collections. I was not aware that this was happening being I had moved and my phone number changed. In addition I had stopped paying for the service in XXXX and assumed the account was closed. Since XXXX, I had not seen or heard about a delinquent debt with this company XXXX, it was never reported as a delinquent account and they continued to bill me annually for the next XXXX years, even though they did not have communication with me. I recently went through a security clearance investigation and during that process, the XXXX in formed me of a collections on my credit report from AWA Collections, reported XXXX. I filed bankruptcy in XXXX and did not see any need to check my credit report recently because I haven't applied for any credit since the bankruptcy. If I would have known about the delinquent payment, I would have corrected it and stopped billing years ago and/or included it in my bankruptcy. I have not received any communication from AWA Collections regarding this debt since their reported it and only became aware of it during my security clearance investigation. I contacted AWA Collections and they told me the debt came from XXXX. I contacted XXXX and requested documentation of the contract and payment history and they have not responded. I do not feel like any of this is fair, nor do I feel like I should pay for a service I am not using, especially after 5 years of delinquency. The number to XXXX is ( XXXX ) XXXX, address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. The amount the sent to collections is {$650.00}, XX/XX/XXXX. The collection agency reporting this collection is AWA COLLECTIONS, phone number ( XXXX ) XXXX, address po box XXXX XXXX, CA XXXX. I have not heard from either company regarding this debt, I have not received a response for the documents I asked for from XXXX and I submitted disputes to all three credit reporting agencies for this collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft. The perpetrator ( s ) used my information to try to open a loan with XXXX XXXX XXXX. This company accessed my file through XXXX XXXX XXXX. 

I contacted XXXX  and they claimed they had permissible purpose to access this file but WOULD NOT PRODUCE IT. This is a violation of federal law. The customer service area then said there was no signed disclosure or no physical evidence of Permissible Purpose available. 

I have enclosed a letter to this company. 

This inquiry is negatively impacting my credit score. I have contacted XXXX  directly and they refused to remove it
Product: Checking or savings account

I sent messages to Chase on XX/XX/XXXX est. about having proper two factor authentication on my account such as Time-based one-time password ( XXXX XXXX ) and/or a Security Key ( e.g. Yubikey ) that Business accounts already have access to, but normal bank accounts don't. I'm very worried about Sim Swapping attacks that has been documented by the FBI already. The two factor security now only offers to send a one-time passcode via sms, call, or email. All three methods are vulnerable to Sim Swapping attacks ( Email gets hijacked via Sim Swapping ).

They replied the usual stuff about offering security features which are useless again Sim Swapping attacks. I request that XXXX or Security Key XXXX be able on my Chase Student Bank Account. Also, I set a support passphrase, but when I called a while back, my security question was never asked for. Please train customer service reps to always ask for the security passphrase if a Chase customer has set one. I recall talking to the Chief Information Security Officer at Chase about XXXX, and he told me back in XXXX that a feature was being tested for authentication pushes like Duo Mobile has, but within the Chase app and that it's only offered to " friends and family '' currently. It's a disservice that normal Chase customers aren't allowed to have access to proper XXXX security features while others are.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the effort to CORRECT some of the data in my credit report, but one account still has to be repaired. The three credit bureaus are required to verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be amended right away. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : Name : XXXX XXXX XXXX Also Known As : XXXX XXXX XXXX Date of Birth : XX/XX/year> Current Address ( es ) : XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Employers : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont know why these account keep popping up on my report! I informed the companies of the fraud activity and they corrected my reports and then with any written nor oral heads up that you would again report misleading information. I want these removed forever for I have already told and proved I did open these accounts.
Product: Checking or savings account

On XX/XX/year> I got an email that my accounts were in the process of being closed and that there would be no money coming in or out of my account ta until they are closed within 60 days or so. Yet my direct deposit for my monthly pension still went into my savings account on XX/XX/XXXX. Before I had a chance to cancel the deposit. Its now still in my old savings account binding in XXXX and all Im told is that I will get a check sometime between XXXX and 60 days or more I rely on that money to live and if I was told this would happen I would have done everything in my power to convert the deposit into a paper check. Now all Im told is I have no choice but to wait the 60 days or longer to get this check in the mail and theres nothing they can do. They also said I can try going into a branch but wouldnt say if it would help me in any way. 

If theres anything you can do to help expedite me getting my money I would really appreciate it I have had nothing to live on since XX/XX/XXXX 1st
Product: Checking or savings account

My account was victim of fraud transactions and instead of refunding then capital one closed my account 2 of these account had no fraud transactions and were in good standing. They abused their power and closed my account just because they can! Also bank is refusing to refund a transaction that was sent to me by mistake by someone! I have provided all documents for capital one to resolve this but they are abusing the government law and abusing my consumer rights! They also put all my other accounts including all my credit cards account in collection status even thou they are current and never late The level of abuse of the law is clean and I need you to investigate them.
Product: Checking or savings account

SoFi offered a {$50.00} new account bonus and I opened an account via the dedicated landing page on XX/XX/XXXX and fulfilled all terms of the offer on the same date. The terms of the offer required that I deposit {$500.00} and that SoFi would add {$50.00}. 

SoFi did not credit {$50.00} to my account but instead credited {$25.00} on XX/XX/XXXX. 
I contacted SoFi 's customer support on via chat or about XX/XX/XXXX regarding the discrepancy and was told that the {$25.00} was for an unrelated promotion they were running and that the {$50.00} would be in my account within a couple weeks. 
On XX/XX/XXXX I against contacted SoFi customer support via chat and was told that the customer service agent would create a ticket for the issue and that the {$50.00} would be in my account within 10 days. 
On XX/XX/XXXX I again contacted SoFi customer support, this time via phone, and was told that a third party I have never met needs to complete a W-9 before they will credit my account the {$50.00}. Or at least that " might be the problem '' but that I would need to call back the next day to find out more. The contract offered to me by SoFi via their website makes no reference to my needing to gather information or other deliverables from any other party in order to receive the {$50.00} and if I had known that SoFi was seeking my assistance in completing their compliance paperwork for another individual I would never have opened the account or transferred any money to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, THD/CBNA add a hard inquiry on my credit report per XXXX.
Product: Debt collection

I have been receiving multiple calls a day from Enhanced Recovery Company from multiple numbers. I spoke to them today and asked that they only contact me through the mail. They refused my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, In accordance with the Fair Credit Reporting Act XXXX Account # : XXXX XXXX  XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

XXXX, Equifax XXXX XXXX have violated my rights. They arent doing their job according to the law. Which is keeping me from getting a new apartment.
Product: Debt collection

My mother who is XXXX years old received a book in the mail called XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. A few weeks later she received a bill for {$44.00}. 

I called the company XXXX XXXX on XX/XX/XXXX and explained we did not order the book and if they sent us return postage we would return it. They claimed that my mother ordered the book from TV. I explained that she is XXXX years old and would never order something from the TV - let alone a book about leading a more active lifestyle! I explained that this was probably mail fraud - and they were taking advantage of seniors. 

They send the account to collections with North Shore Agency who sent my mother a bill.
Product: Debt collection

in accordance with the fair credit reporting act convergent account capitol one has violated my rights. 15 usc 1681 section 602 states i have the right to privacy. 15 usc 1681 section 604 a section 604 a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 usc 1666b : a creditor may not treat a payMent on a credit card account under an open end consumer credit plan as late for any purpose dATE REPORTED XX/XX/2023 ORIGINAL LENDER XXXX {$9300.00}
Product: Debt collection

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

I demand the following account be verified or deleted immediately : The following account is not mine : XXXX ( Account Number : XXXX ) Please remove it from my credit report.
Product: Checking or savings account

I completed a request for transfer to the incorrect members account in error. On the first business day following the transaction, I reached out to XXXX XXXX to advise that the transfer was made in error to the wrong members account. I was both directly and indirectly advised by XXXX representatives XXXX on phone and the other on chat that the since the members account is negative the transaction can not be reversed. This is a violation of the members account confidentiality as his balance is not my business and I should not have been advised of his account standing. I am consulting with legal counsel to determine what my options are to obtain my funds. If XXXX XXXX will tell me in XXXX instances that another members account is in the negative, why would I believe they would not provide my information to others? They have clearly violated the confidentiality agreement in XXXX instances
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 reporting or other personal consumer reports

Subject : Formal Complaint Against Equifax for Denial of Free Credit Report To Whom It May Concern, I am writing to formally lodge a complaint against Equifax Information Services LLC for denying my right to access a free annual credit report as mandated by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681j. On [ insert date ], I requested my free annual credit report from Equifax through their platform. However, I was unable to access my report due to the status marked as FILE_BLOCKED_FOR_PROMOTIONAL_PURPOSES. This block directly violates my rights under the FCRA, which guarantees consumers free access to their credit reports annually and additional reports in cases of suspected fraud or identity theft. Despite my efforts to rectify this issue by contacting Equifax, my request has not been honored. This obstruction not only prevents me from reviewing my financial history but also jeopardizes my ability to detect potential fraudulent activities on my account. I am requesting the CFPB to investigate this matter and enforce compliance, ensuring that Equifax upholds its legal obligations to provide consumers with access to their credit reports. This denial of service is unacceptable and contrary to the protections granted to consumers under federal law. I have attached evidence of this issue, including screenshots and correspondence with Equifax. Thank you for your attention to this matter. I look forward to your prompt assistance in resolving this violation of my consumer rights. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

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: Debt collection

In accordance with the FDCPA, 15 U.S.C 1692 CC, I refuse to settle any financial obligation I might lawfully owe Portfolio Recovery, this company has illegally purchased this account. I never signed a purchase agreement, nor have I done business with this company. 

I sent two debt of validation letters to the company, certified mail and return sender. The debt collector has not provided me with the proper debt validation for this alleged debt. 

XX/XX/XXXX ( XXXX # XXXX ) ( See Attachments Includung company 's response ) XX/XX/XXXX ( XXXX # XXXX ) ( See Attachments ) IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, MY RIGHTS HAVE BEEN VIOLATED MY RIGHTS : 1. 15 U.S.C 1681 SECTION 602, 15 U.S.C. 1692 States I have the right to privacy. 

2. 15 U.S.C. 1692 ( C ) ( A ) States a debt collector has to have my consent to text, call, or email you. 

3.15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions. 

4. 15U.S.C 1681 B ( 2 ) States if I did not give permission to have anything on my credit report it is not suppose to be there. 

5.15 U.S.C 1666 B : States a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

6. 15 U.S.C 1681 ( e ) ( b )