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

Subject : Request for Removal of Credit Inquiries Dear XXXX XXXX XXXX, I hope this message finds you well. I am an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am writing to request the removal of all negatives items, inquiries from my credit report. As a XXXX XXXX, I am often faced with challenges related to my financial decisions, especially when applying for credit. Unfortunately, I did not initially understand how to effectively manage my credit, which resulted in multiple inquiries that have now negatively impacted my credit score. Having since educated myself on credit management, I have developed a better understanding of how to maintain and improve my credit standing. To move forward with renewed discipline and responsibility, I kindly ask for the removal of all inquiries from my credit report. This will allow me the opportunity to start fresh and make informed financial decisions. Thank you for considering my request. I appreciate your understanding and support as I work to improve my financial situation Creditor Name Type of Business Date of inquiry Credit Bureau XXXX XXXX  XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XX/XX/XXXX, XXXX XXXX  Credit Report - XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion
Product: Debt collection

Renters recovery solutions located in XXXX Georgia is scamming people. I am being charged double the amount and there is no resolution. I was told that I need to pay {$1500.00} for a debt and since I was homeless and never received it they said now I have to pay XXXX and they would not settle. A debt collection agency is supposed to be a place that negotiates. This place is scamming people out of hard earn money. I have reached out to both the agency and the apartment building. I am willing to pay the original {$1500.00} but now they are saying it's {$3000.00} because I did not respond in time and they will not lower it
Product: Credit reporting, credit repair services, or other personal consumer reports

none of the following accounts are mines! 
I haven't applied to any of these accounts listed below on the document I have provided this is definitely fraud and needs to be removed off my credit eclectically when it's not my doing. the payment status data listed on some of these are mismatch compared to other credit reports. data set related inputting of accounts were not metro 2 compliant. 
somebody had to get my information from somewhere because these are all unauthorize inquiries the i have never even applied for this is not okay.
Product: Debt collection

After noticing OLIVER ADJUSTMENT COMPANY on my consumer report I contacted them and asked for validation of this alleged debt. When my request went unheard I contact the CFPB because they refused to give me the information I requested and I now see why. I received in the mail the alleged itemized statement showing literally nothing but a falsified piece of paper. There wasn't a contract I requested that shows my wet ink signature and agreement with the original creditor or with OLIVER ADJUSTMENT COMPANY, nor was there any description of services they alleged I received, just medical procedures including blood count, troponin and lipase which I have no idea what they mean or how they validate this debt to be mine. My social security number thats attached to my consumer reports isn't even on here which further proves they are just trying to falsify this information. Furthermore my address is copy and pasted onto this false statement & I wasn't even living at the address they have on the statement when they say this debt occurred on XX/XX/2019! I am demanding for the last and final time that this debt be prematurely closed, stop reporting to any third parties, and removed from all of my credit reports because now this is becoming intrusive and premeditated.
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

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


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Debt collection

I called XXXX XXXXvictoria secret because its showing up on my credit report that I owe {$360.00} and XXXX told me that I had to pay {$800.00} and I wanted to settle the debt for {$50.00} weekly and he told me that he couldnt do that and I had to pay {$520.00}. This debt is reported wrong and he was being rude and disruptive while on the phone talking about the debt trying to make me pay more money that is owed.
Product: Debt collection

I previously paid the debt to diversified consultants and they continued to report negative information to transunion almost every other week. I never signed a contract to diversified and I never recieved a bill nor have they ever verified or validate the debt I paid to have this negative account t off my report as I 'm trying to buy a house it was showing negatively on my report and every time I contact them I always get the run around sometimes they even tell me I did n't paY them when I have proof I did
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  MD XXXX ( manager XXXX ) processed my credit report in a way that I did not consent to, authorize nor benefit from the following inquires and I am filling a FTC report and complaint with the CFPB. I informed the manager ( and sales manager ) I had a prequalified loan from XXXX XXXX and I wanted to utilize XXXX XXXX or XXXX XXXX and that I did not want my credit run multiple times or beyond the XXXX XXXX or XXXX XXXX. I was not told until after multiple inquiries that the dealership does not work directly with XXXX XXXX XXXX navigator which was fraud. the below inquires I did not consent to and I am requesting they be removed - XX/XX/XXXX XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Global Lending Servi - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX I have confirmed with sales manager XXXX on XX/XX/XXXX that he was trying to help but this was not authorized and misleading and should not have been done without my permission
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time.

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX Account Number : XXXX Please remove it from my credit report.

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report on XX/XX/XXXX. I noticed some hard inquiries on my credit report don't have a permissible purpose. I also attached evidence. 

XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete the inquiry due to violation of 15 U.S.C 1681b. 
XXXX. XXXX XXXX  XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete the inquiry due to violation of 15 U.S.C 1681b. 
XXXX. XXXX XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete the inquiry due to violation of 15 U.S.C 1681b. 
XXXX. XXXX XXXX XXXX XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete the inquiry due to violation of 15 U.S.C 1681b. 
XXXX. XXXX XXXX XXXX XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete the inquiry due to violation of 15 U.S.C 1681b. 
XXXX. XXXX XXXX XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete the inquiry due to violation of 15 U.S.C 1681b. 
XXXX. XXXX XXXX XXXX XX/XX/XXXX. This inquiry has no permissible purpose to be XXXX. XXXX XXXX XXXX XXXX. This inquiry has no permissible purpose to be on my report. Delete the inquiry due to violation of 15 U.S.C 1681b. 
XXXX. XXXX XXXX XXXX XX/XX/XXXX, XXXXThis inquiry has no permissible purpose to be on my report. Delete the inquiry due to violation of 15 U.S.C 1681b. 
XXXX. XXXX XXXX XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete the inquiry due to violation of 15 U.S.C 1681b. 
XXXX XXXX XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete the inquiry due to violation of 15 U.S.C 1681b. 
XXXX. XXXX XXXX XXXX XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete the inquiry due to violation of 15 U.S.C 1681b. 
XXXX. XXXX XXXX XXXX XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete the inquiry due to violation of 15 U.S.C 1681b. 
XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete the inquiry due to violation of 15 U.S.C 1681b.
Product: Debt collection

With the assistance of All Clear they called Aspen National Collection to see why a collection account was placed on my credit file, called at XXXX speaking to XXXX XXXX, attempted to explain an issue that was under court order for my ex to pay since in settlement she received the money to pay he was rude, did not want to discussed and said it was a waste of his time and just hung up. It is a Time Share issue in our joint names and he claimed that only I was responsible and that if I was not making arrangements to pay he did not want his time wasted. All Clear stated to file this complaint since even after getting authorization from me for them to discuss the issue he just hung up on us.
Product: Debt collection

I was victim of identity theft as a result of being homeless and did not have a physical address in 2012. Numerous accounts were open without my permission. The creditors calls and harass me daily for debt. I explained the set is not mines. They sent me some billing info with incorrect addresses and i explained are not mines. I was also told by the credit bureaus that my personal data was breached from the credit bureaus and i am still fighting that. I hired a credit repair company to help me with these disputes, as i am new to this. Per the credit bureau, this company reported addresses and phone numbers that are different from my actuals. They are not coorporating and states that they are willing to take a settlement as the account was frauduelantly opened. I don't know what else to do so i am finally coming to you guys for some guidance please.
Product: Debt collection

Debt being listed as a charge off on my consumer report that I have no knowledge of, and also is not being reported across all XXXX bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax should not be reporting me as an authorized user on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the bureau to fix this however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report.
Product: Debt collection

I am writing to formally submit a complaint against IC System Inc. concerning their collection efforts on behalf of XXXX XXXX XXXX. The issue stems from persistent attempts to collect an alleged debt of {$1200.00}. Despite my request for verification, IC System Inc. has failed to provide adequate documentation supporting the validity of the claimed amount. Their collection tactics have been aggressive and may be in violation of the Fair Debt Collection Practices Act ( FDCPA ), causing undue stress. Furthermore, IC System Inc. has not furnished a detailed breakdown of the alleged debt, including dates and charges. I kindly request the Consumer Financial Protection Bureau to investigate IC System Inc. 's actions, seeking resolution through verification of the debt, cessation of aggressive tactics, and provision of a detailed breakdown. I refrain from providing personal information in accordance with CFPB guidelines but am willing to furnish necessary details upon request. I appreciate your prompt attention to this matter.
Product: Mortgage

I was previously working on this file. We have a new file but they are saying that I am not authorized. Please see the attached documents.
Product: Mortgage

We were forced to sell our home of 20 years after Wells Fargo falsely filed for Foreclosure after we had a signed agreement with them for, a Loan Modification following a XXXX, granting us a 3 month grace period to recover, then they filed foreclosure on us on the 4th month for non-payment. Up until then, we had never missed or been late on a payment in 20 years! All legal efforts to fight them after thousands in court fees, had to stop after we could no longer afford the legal fees anymore. We were forced to short sell for thousands less than we could have normally made during a regular sale. They are Crooks and ruined our lives after we did nothing wrong but endure a XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$8000.00}. 
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 finance 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 to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX/XXXX XXXX   XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- CLOSED ACCOUNT 2. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- AUTO ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8000.00} -This is not my account.
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. Transunion reinvestigate these accounts : XXXX XXXX XXXX : # XXXX, XXXX XXXXXXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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.

They did not disclose what exactly was verified and I don't understand how they may think its accurate when the start date and end date for adonis in particular are completely incorrect along with many other things in the report. If they actually took the time to analyze the report, they would see the mistakes. But they don't instead they want to violate my rights and throw my issues to the wayside these incorrect reports are taking a huge toll on my credit journey. I want justice to be established I've been trying to get this resolved for months if not longer I want a fair chance to build my credit as much as the next person why am I being treated so differently?
Product: Mortgage

Closed a Mortgage with New Rez financial on XX/XX/XXXX. New Rez was in possession {$2300.00} and XXXX for the purposes of Escrow while the Mortgage was still active. Since we closed the loan on XX/XX/XXXX New Rez has repeatedly failed to return the Escrow amount to us. They have not sent a check or done a direct deposit despite weeks of daily follow ups with support staff and managers. They have repeatedly told us they would mail a check or issue a direct deposit but we have not received any money. This is along with repeated instance of being told they will " call us back '' and never doing so and managers who provide us with direct line phone # 's that do not work.
Product: Debt collection

Midland Credit Management of XXXX XXXX, CA, filed a collection action against me which was subsequently paid in full through my Chapter XXXX bankruptcy. They were notified electronically on XXXX XXXX, 2014, that the bankruptcy was discharged and that they had been paid in full. However, they failed to notify the XXXX XXXX XXXX, XXXX XXXX, VA, within 14 days of receiving notification of payment, that the debt had been paid in full ( Notice of Satisfaction ) as required by the Virginia Code of Civil Procedure, Section XXXX. As such, it remains as an unresolved ( open ) action on the Virginia XXXX XXXX XXXX XXXX and with the credit reporting agencies, and I am unable to obtain a VA-backed home mortgage at this time.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX Opened : XX/XX/XXXX Balance : {$4800.00} Chargeoff- XXXX XXXXXXXX Opened XXXX XX/XX/XXXX XXXX : {$610000.00} Late/Open- XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX Balance : {$12000.00} Chargeoff- XXXX  XXXX XXXX Opened : XX/XX/XXXX Balance : {$10000.00} Chargeoff- XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX Balance : {$13000.00} Chargeoff-
Product: Credit reporting, credit repair services, or other personal consumer reports

The current credit bureau hasnt verified any debts they claim I owe and its been more than 30 days.
Product: Checking or savings account

On XX/XX/20 I made an ATM Deposit because the Branch was closed due to Covid-19 located in XXXX XXXX, California. I deposited {$2000.00} in XXXX dollar bills. The ATM recorded a {$1500.00} deposit, returned {$200.00} Cash and Kept {$300.00}. I immediately contacted customer service and filed a claim. The customer service rep stated it would take approximately 15 working days to investigate the claim. 

After 15 days I contacted the Wells Fargo Claims Department and I asked when it would be resolved. They stated it would take around 45 days to complete the investigation. Which is not was I informed initially. 

On XX/XX/20 I received a letter that they completed their investigation and they state the deposit for {$1500.00} was correct. 

On XX/XX/20 I called the Wells Fargo ATM Claims Dept. at XXXX to dispute their decision and to request copies of the documents used in making their decision. This was around XXXX XXXX. I was on hold for 1 hr and then was disconnected. 

On XX/XX/20 I called Wells Fargo Customer Service and asked to be connected to the Executive Office. I was connected to a Customer Service Agent at the Executive Office and she took my information and attempted to contact an ATM Claims Banker. She placed me on hold for 5 minutes and asked if I wanted to continue to hold. I stated yes and she left me on hold for 1 hour and 15 min. and never returned to speak with me. So I hung up. 

On XX/XX/20 I then called the XXXX XXXX Branch where I made my deposit and asked for a Branch Manager. The Branch Manager was out for the day and XXXX XXXX, Service Manager said she would expedite my claim with the Executive Office. 

On XX/XX/20 I received a call from XXXX with the Executive Office at XXXX XXXX and he stated that I would have to reopen the claim with the ATM Claims Dept. and ask them to re-investigate. He tried to contact the ATM Claims Dept. for 15 minutes and could not get through and directed me to call them again in the morning. 

In summary I've spent at least over 2 and a half hours with Wells Fargo trying to resolve this issue to no avail. 

I submitted a fax to the ATM Claims Dept. requesting the supporting documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that the Us Sm Bus Admin Oda has requested my credit report. I have not applied for any loans, nor am I a business owner.