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

On XX/XX/XXXX I got hit with New Inquiry from Discover which I noticed XX/XX/XXXX on my XXXX online account. I called discover to tell them I did not make any hard inquiry XXXX XXXX XXXX ... They had said would remove the hard pull and I had told them I would also go on here because the customer service reps from my experience always seem to get things lost. 

To my understanding this hard pull is only on my XX/XX/XXXX and going to be removed as soon as possible. If it was on any other credit bereu 's I would kindly ask for it to be removed as I never made this inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been unsuccessfully attempting to get a fraudulent inquiry removed from my credit report for a year. It started in XX/XX/XXXX when I received a letter from XXXX XXXX XXXX XXXX alerting me that a credit card application in my name had been rejected. I had not applied for a credit card, so I immediately called their fraud department to report this. On XX/XX/XXXX, XXXX XXXX XXXX XXXX   sent me two letters, attached. The first thanks me for notifying them about the fraud. The second states that they will request changes to the inquiries on my credit report.

In XX/XX/XXXX, I received my Equifax credit report and discovered that the hard inquiry described above was still on my report. I filed a dispute ( # XXXX  ), which was rejected. I called Equifax  and spoke to XXXX, who told me to call XXXX XXXX XXXX XXXX. I called them at the number provided, but this number did not really work. It got me to a telephone system that demands an account number to proceed. After about 10 minutes of mashing buttons, I managed to speak to XXXX, who refused to remove this inquiry from my report. I spoke to her supervisor, who told me the same thing. I eventually also spoke to XXXX  from the new accounts department in Maryland, who told me that they could not remove the inquiry, but they would set it to non-display status.

I called Equifax in XX/XX/XXXX to see if anything had been changed on my credit report. I learned from XXXX  ( XXXX ) that it had not, so she filed a new dispute ( # XXXX ). On XX/XX/XXXX, this was rejected and I received a letter, attached, stating again that I must call XXXX XXXX XXXX XXXX.

I put a long-term fraud alert on my Equifax account. I obtained a police report and FTC.gov report, for submission to Equifax in a letter. After that point, every time I have called Equifax, they are surprised to see that the item has not been removed. They then proceed to say they are removing it or filing another dispute " sure to remove it this time, '' but which never does. The most recent disputes were filed on XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( XXXX  ). The response to the latter states again that XXXX XXXX XXXX XXXX says this is factual information so they refuse to remove it. The item is still on my credit report.
Product: Mortgage

The reason for my complaint is I was in the process of getting a loan modification. With Bank of America. In the process I was denied my loan modification the original rep i spoke with felt there was something wrong and advised me to speak to the appeal dept. which I did once the appeal dept reviewed my file I was approved I signed all documents sent back to BOA spoke with a new case manager advised me that BOA is withdrawing the approval because I had a partial claim in 2014. But I feel that i should not have to pay for BOA mistake and they should keep there agreement with my new modification.
Product: Debt collection

I have submitted multiple requests to this company to review their records and have sent them verification that the balance they are attempting to collect has already been paid. The company replied, stating that " the consumers statements are for the XXXX XXXX XXXX, not the XXXX XXXX. '' However, I emailed them on XX/XX/XXXX, providing clear evidence that this toll was paid for the XXXX XXXX, as shown on my XXXX XXXX XXXX  account. I also highlighted that the timestamps align with the charges listed on the invoice they provided. As demonstrated multiple times, this balance has already been paid, and I should not be required to pay it again.
Product: Debt collection

After carefully going over my recent credit report, I noticed several accounts that appear to be fraudulent and were added without my knowledge.
Product: Debt collection

XX/XX/19 demanded that i call today with a lawyer, or else they make a decision for me. This is not the first time this has happened. XXXX Bank leaves out information in hopes of getting money. You could owe a more reasonable amount but theyll tell you the unaffordable amount
Product: Debt collection

Hello... The 'date of delinquency ' is not being honestly accurately submitted. Southwest Credit has submitted that the 'date of delinquency ' was XX/XX/XXXX ... yet that is wrong. It may be true that a prior collections agency had been assigned before the agency of Southwest Credit, however, that does not give them permission to alter dishonestly the dates. In fact the date of delinquency was in the year XXXX ( when I had been living in XXXX, XXXX ). 
Therefore I demand as my consumer rights the following : 1. I demand historical documentation of any and all prior assigned collection agencies.

2. I demand the date of delinquency on a XXXX XXXX XXXX letterhead meaning the first charge off notice.

3. If the agency of Southwest Credit does not reply faithfully and honestly, I demand that the CFPB delete this reportable account from my credit file right away. 
Respectfully and sincerely, XXXX XXXX. 
( XXXX ) XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

2nd ATTEMPT- Accounts # XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXXXXXXXX Are Showing a LATE PAYMENT/CLOSED ( can NOT be both ) on my credit report.. 
The Credit bureaus stated my account was properly investigated but how is that possible the date last active is inaccurate, and date last reported is not accurate. This ground for removal ..SO MANY OF MY RIGHTS HAVE BEEN VIOLATED!!!! 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation In accordance with the fair credit Reporting act XXXX  Account # XXXX XXXXXXXXXXXXXX has violated my rights. 
15 USC 1666B -states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 
15 USC 1681 B - permissible purpose of consumer reports 15 USC 1666 - CORRECTION OF BILLING ERRORS
Product: Credit reporting or other personal consumer reports

I was never late on this account. Please show me documentation showing proof of such transactions. Showing that I was ever late to support your inaccurate reporting on my account. If you can not supple this please delete this alleged late payments from my credit report. FCRA allows 30 days for this to be rectified.
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 $XXXX, $XXXX, $XXXX.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 Act’s 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)-- CLOSED ACCOUNT --1. XXXX XXXX XXXX XXXX with ACCT #XXXX   opened on XX/XX/2015 with a credit limit of $XXXX-This is not my account.-- AUTO ACCOUNT --2. XXXX XXXX XXXX XXXX with ACCT #XXXX   opened on XX/XX/2015 with a credit limit of $XXXX-This is not my account.-- COLLECTION ACCOUNT --3. XXXX XXXX/XXXX XXXX with ACCT #XXXX opened on XX/XX/2015 with a credit limit of $XXXX-This is not my account.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

I have been continually getting emails from a XXXX saying they are collecting on behalf of XXXX XXXX. XXXX got they are suing me that the sheriff will be coming to my job and picking me up. I have a total of 4 emails and none of them list a name of agency but all say they represent XXXX XXXX. On my credit report I have a XXXX XXXX   listed and I have never received any notice from them at all. Never even a phone which is required before its added to my credit report and nothing! All emails act as if these are legal notices with case numbers and even docket number as if filed with courts.
Product: Checking or savings account

On XX/XX/year>, my Debit card was charged XXXX for XXXX XXXX. I did not authorize this purchase and I went to my bank, Santander, to dispute the charge and open a fraud investigation. They shut my card down and issued me a new one while they investigated.

A month later Santander U.S notified my that their investigation did not fall in my favor as they are taking the side of the merchant. 

I was not called during their investigation to provide any further information that may help them realise that this was not me. XXXX XXXX was apparently able to give them a enough info and now I am being held accountable for something that was not my purchace. 
I hope you can help, not sure what to do when my bank Im supposed to trust, sides with the fraudster.
Product: Debt collection

After I told this debt collector that I would pay even though I dont have memory of this account they still decided to harass me. They would also call my grandma and uncles asking for me last year XXXX XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ACCOUNT IS SHOWING THAT STILL OPEN ON MY CREDIT REPORT, WHEN THIS ACCOUNT IS CLOSED SINCE 2018. THIS ACCOUNT IS A JOINT ACCOUNT, AND MY HUSBAND SINCE THE FIRST DISPUTE, HE SEND THE CERTIFIED LETTER WITH THIS INFORMATION, AND THEY DELETED FROM HIS CREDIT REPORT AND ON MY CREDIT REPORT, THEY STILL CHANGING THE ACCOUNT STATUS FROM OPEN TO CLOSED TO OPEN ATTACHED I INCLUDE THE CREDIT REPORT COPY AND THE CERTIFIED LETTER NUMBER RECEIPT.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I recently received a copy of my credit report and I noticed your furnishing an account on my consumer report that should not be on there. I demand the below accounts be deleted from my consumer report. 

Account : XXXXDOFED Account Number : XXXX Account : XXXX Account Number XXXX XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 

I demand this account be deleted from my consumer report. 

Best regards
Product: Mortgage

On XXXX XXXX 2016. Franklin America Mortgage deducted {$220.00} for a payment to Hazard Insurance. However, this had just been paid on XXXX XXXX, 2016. I made the first call to Franklin American on XXXX/XXXX/2016 and was told that a check was sent to my insurance company but the insurance company rejected it several times and they ( FAM ) would adjust my account within a week. I also asked for an insurance bill. 
I called them again on XXXX because the amount was not refunded to my account and was told basically the same story by different reps on calls made XXXX, XXXX, XXXX. 
On XXXX XXXX I decided to stop calling and start getting things in writing from the Franklin American. Below is a summary of the different stories I 'm being told. 
XXXX - FAM response : A check will be mailed to me directly by the insurance company. 
XXXX - My response : When will the payment be mailed to me? What is the name of the insurance company, phone number etc. 
XXXX - FAM response : My insurance XXXX XXXX from the XXXX XXXX XXXX submitted a request to have the premium refunded on XXXX XXXX, 2016. He can be reached at XXXX. 
XXXX Called XXXX to check the status and XXXX said he did n't know anything about this but to provide him an invoice or an account number from the insurance company and he would ask for the refund. 
XXXX - I emailed FAM asking for the refund. 
XXXX - FAM response : According to our records, our insurance department is awaiting the refund to be applied back to our escrow account. 
XXXX - My response - This is not correct. I need a copy of the insurance invoice Franklin American Mortgage received and paid. This seems like fraud. I have asked several times for this invoice and I get a different story every time. 
Another problem is that my loan is being take over by another company as of XXXX and FAM has not corrected this issue. 
Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by based on their lack of responding in the time frame and their investigation results they have not abided by these laws.
Product: Checking or savings account

In XX/XX/XXXX I opened checking account XXXX XXXX XXXX to receive the promised {$300.00} reward in offer code XXXX. Automatic deposits of my Social Security checks took place until XX/XX/XXXX. A letter dated XX/XX/XXXX, " We deposited an incentive reward of {$300.00} to your account ending in XXXX on XX/XX/XXXX. '' The deposit of only {$210.00} was made on XX/XX/XXXX. A minimum settlement would be a deposit of {$84.00} without any late or other fees for a zero balance after XX/XX/XXXX.
Product: Debt collection

I have told this company and XXXX XXXX XXXX several times that this debt was paid. I have made numerous phone calls and have forwarded the information showing this debt was paid multiple times. I have contacted both the creditor and the debt collection company multiple times. The creditor continues to send the debt to the collection agency and they continue to send me collection letters.
Product: Debt collection

I spoke with Amerasisst credit agency on several occasions regarding a XXXX XXXX account that is not mine. I have also sent a general form of release form from XXXX XXXX regarding the termination of treatment. She said that they would take care of the account and send me documentation, but unfortunately, they fail to do so. One of  XXXX XXXX 's representatives assured me that they will cancel all payments and void any balance, thereafter, due to medical reasons. I can't start to even tell you how I have also been harassed by Amerassit and their company. I have sent documents asking for validation of debt. Please have them to delete this account from my credit report or I will sue in small claims court.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've called Transunion when I attempted to get a credit card and due to my name being similar to another individual down in a different city in the same state, they confused me with this person. I have no credit history but I was able to pull a  XXXX  thanks to this other individual. Furthermore, I ordered a credit card and I 'm most certain am believing my purchases and score is   helping the other person and not me. Only through Transunion am I having this problem.
I called again to get my record cleared and they kept telling me to print out a copy of my SSN and ship it to the address, which is absurd to provide something so precious and delicate into a mailbox that can be intercepted without any consent and will not try to sort this out over the phone.
To add insult to injury, I was starting at high school, this other individual had a time share loan taken out and this is n't enough to explain this account is not mine. And only through Transunion does it enter as   XXXX   XXXX   XXXX   comes out clean.       And thanks to checking Transunion, I 'm getting letters from collection agencies for debt that is n't mine and if it get thrown to court, and arrested, I will have to respond back in a defamation case and ask for payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Account # XXXX Inquiries XXXX XXXXCredit Union XX/XX/XXXX XXXX Bank XX/XX/XXXX XXXX XXXXCredit Union XX/XX/XXXX XXXX   XX/XX/XXXX XXXX Financing XX/XX/XXXX XXXX   XXXX XXXX Credit Cards XX/XX/XXXX XXXX XXXXBank XX/XX/XXXX XXXX XX/XX/XXXX XXXXTravel/Entertainment XX/XX/XXXX XXXX XXXXEducation/Employment XX/XX/XXXX XXXX XXXXBank Credit XXXX
Product: Credit card or prepaid card

I made payments to my Chase credit card on XX/XX/19 totaling XXXX. This has caused my account to be placed on a bank initiated hold for 7 days. I have not been able to get any kind of resolution from the bank, and I have no available credit on my account until the hold clears. This has caused me much frustration and duress, as I have had to cancel important engagements due to this issue. I feel that I am being penalized by the bank for making a payment towards my account balance. Customer service help has been near non existent, and Chase has shown a culture of showing disdain towards their customer base.
Product: Vehicle loan or lease

XX/XX/XXXX I purchased a vehicle under the impression my down-payment was XXXX. With a bi weekly XXXX. I was at the dealership earlier that day to meet a person that was advertising XXXX XXXX XXXX on XXXX by the name XXXX XXXX and informed him I only had XXXX to put down on the vehicle. He wasn't when I made it but told me to ask for XXXX. After looking around a different car she give me the price XXXX XXXX XXXX  XXXX down-payment and XXXX a month. I deny the offer and left. I contacted XXXX XXXX and told him what happened and he told me he gon na work the deal told me to come back he got my down-payment to XXXX and he would put the other XXXX made it back XXXX minutes before closing so everybody i rushing. Give them my down-payment XXXX informed me that I was still getting the same vehicle and the same bi-weekly payment and to speed up the process I'm guessing she told me I didn't have to read the paper work because it's everything she explains early only thing change was my down-payment amount. But 2 week later I got a call about the remaining balance of down-payment for XXXX and XXXX i think for insurance that only coverage is for the car. Which that wasn't explained and I only found out after getting into a accident with my kids 3 days after making the purchase of the car. Looking over my agreement I noticed they fraudulent my home address without telling me but advertised they financial to louisiana residents so why did they use a fake address is confusing so with everything that I just felt that they was full of scams and didn't make a payment now the car has been repo but don't wan na tell me when to go to get my stuff give me a number that go straight to voice mail
Product: Credit card or prepaid card

Sometime between XX/XX/XXXX and XX/XX/XXXX I had a issue with receiving my mail and ultimately missed a payment and contacted Kohl 's Credit to address the issue. In an effort to avoid late payments, I switched my account to paperless and set up electronic notifications which I don't receive ( throwing my hands up ). Of recent, on XX/XX/XXXX to be exact, I had sought an interest in purchasing a home only to find out that the late payment/dispute is still showing on my credit reports and affecting my credit score. On, XX/XX/XXXX, I phoned Kohl 's only to be informed that the resolution letter was sent back in XX/XX/XXXX, however, I have never received that letter, This is why I changed my account to paperless billing for the same reason and requested the original XX/XX/XXXX dispute. I asked if I could get a copy of that letter and was told that I could not receive a email copy and its only paper mail. I again challenged that information in asking that the late payment /dispute be removed and was told that the case would be re-opened and I would receive a letter from Kohl 's regarding my current request to investigate the old dispute of XX/XX/XXXX. The insane part is that I was actually told that it would be removed. Since XX/XX/XXXX and only a few days after, Kohl 's increased my credit limit from {$700.00} to {$1500.00}. It is apparent that they must find me a loyal customer and that I pay my account timely. More importantly, my home approval letter is on hold pending Kohl final resolution. Thank you
Product: Vehicle loan or lease

The wells fargo Bank on XX/XX/XXXX got my proof of insurance and they responded to CFPB that they didnt have my proof of insurance. Thats incorrect. I Had XXXX  XXXX XXXX or XXXX as this is from XX/XX/XXXX. My truck which this loan was from was repoed and the insurance information was in the glove box of the truck. I need to know why they have told you they dont have the information when there telling me they do.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX acct # XXXX - disputed multiple times came back verified, I supplied proof to each bureau that creditor was not reporting 100 % accurate information and they allowed it to be reported incorrectly for 2yrs seriously affecting my credit worthiness to other creditors and affecting my interest rates based on unverified/incorrect information..

this account should be removed immediately due to errors, and the credit bureau cited for failure to report in accordance with FCRA for 2yrs this account has already been deleted by XXXX due to obvious errors in reporting