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

The Equifax company is reporting these inquare without my authorization, I also do not recognize these credit applications with any of these companies, I request that they be removed immediately from my credit profile under the fair credit law which the credit bureau Can you give this information if my person does not authorize, thank you 8inquiries These lenders have accessed your credit file : XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX The XXXX company is reporting these inquare without my authorization, I also do not recognize these credit applications with any of these companies, I request that they be removed immediately from my credit profile under the fair credit law which the credit

bureau Can you give this information if my person does not authorize, thank you. 2inquiries Th
ese lenders have accessed your credit file : XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX  XXXX XXXX FNBOmaha Gave stranger thief a credit card under my social security number for XXXX and even increased recently to XXXX. They are not doing anything about my complaints, identity theft filed, phone calls, emails, nothing to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I saw a report on my credit that said I was taken to collections by XXXX I have no XXXX account nor have I ever XXXX could not tell me about any account under my name and told me to report it as fraud If this isnt XXXX I also have no debt with anyone. 

I have never received a piece of mail with a bill. 

My credit took a big dip and this is hurting me
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple " hard inquiries '' on my XXXX Consumer Credit Report that are erronious and/or fraudulent. Specifically, this complaint is regarding the following " hard inquiries '' that I have previously and repeatedly requested be removed from my consumer credit report. They are as follows : XXXX XXXX ( XX/XX/XXXX ) : This was a hard inquiry from a company called XXXX XXXX that I did not authorize. Both my wife and I received said inquiry. Unfortunately, our identities were both stolen in early XXXX and we suspect that this inquiry was attempted by the perpetrator. XXXX XXXX provided us a letter, dated XX/XX/XXXX, which indicated that the company agreed to have the inquiry removed from our consumer credit reports. XXXX letter was forwarded to XXXX on XX/XX/XXXX. However, nearly XXXX months later, XXXX has failed to remove the inquiry. 

-Equifax Mortgage Service XXXX XX/XX/XXXX and XX/XX/XXXX ) : We do not recognize these inquiries and suspect that they were done fraudulently as well. I sent a letter to the company at the address provided to inquire about this. Both letters were sent back to me as " Undeliverable as addressed ''. Since the inquiry can not be verified and the company is unreachable, the inquiry ought to be removed in compliance with the Fair Credit Reporting Act ( FCRA ). My wife XXXX XXXX XXXX / XXXX ) and I both sent letters with a copy of the returned letters in early XXXX. XXXX failed to remove the inquiry and did not respond to us.
Product: Credit reporting or other personal consumer reports

In accordance with Fair Credit Reporting act XX/XX/XXXX account # 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 a account without my written instructions
Product: Checking or savings account

Us bank allowed fraud on my account and then place my account on hold and wont complete the investigation so that I can use my account, I would either like for them to explain why the investigation is still doing and specific reason not because of theyre protocol because theyre past their protocol or I would like the account closed so that I can proceed with another bank
Product: Mortgage

I requested a Loan Modification at the end of XXXX 2016 beginning of XXXX 2016. They keep requesting the same documents over and over again. Extra check stubs and the same tax release form. Which I already completed and returned XXXX times. Per their website they still have n't gotten the documents. I know they have. I emailed and faxed and rcvd a confirmation page on the fax all XXXX times. They are stalling for time because the foreclosure hearing is next week. This is very frustrating for me. It should be a simple approval because all the documents and info is almost the same as it was a few years ago, so since we were approved a few years ago, we should be approved again. 
In addition, the tax document they keep saying is incomplete, it is completed just the same as the XXXX from 2 years ago ( I compared them ) and they accepted that one/
Product: Credit reporting or other personal consumer reports

I am writing to formally request the reversal of late payments reported on my credit history. All payments should show OK or not be present. I understand the importance of maintaining a positive credit profile, and I am committed to rectifying any discrepancies in my credit report. 
I have recently reviewed my credit report and noticed that late payments were reported on the following accounts : XXXX XXXX XXXX # XXXX Date of Late Payment ( XXXX ) : XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Date of Late Payment ( XXXX ) : XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date of Late Payment ( XXXX ) : XXXX XXXX XXXXXXXX XXXX Account # XXXX Date of Late Payment ( XXXX ) : XXXX - XXXX, XXXX, XXXX, XXXX, XXXX. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date of Late Payment ( XXXX ) : XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Late Payment ( XXXX ) : XXXX - XXXX, XXXX, XXXX, XXXX Per the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

15 U.S.C 1681 Section 602 : A. States I have the right to privacy.

15 USC 1681a 2 ( A ) ( i ) Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1618s-3 of this title, any- ( i ) -a report containing information solely as to transaction or experience between the consumer and the person making the report.

15 U.S.C 1681 Section 604 Section 2 : States a Consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of the information, other than records of convictions of crimes which antedates the report by more than seven years.

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 or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Leafy Financial LLC XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Dear Leafy Financial LLC : I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.
Product: Checking or savings account

XX/XX/2024 opened account XX/XX/2024 new card was stolen from mail XX/XX/2024 fraudulent transactions and deposits were made to my account, after everything was cleared, they mailed new cards XX/XX/2024 I went to grocery store at XXXX am and my card got declined XX/XX/2024 I tried to pay online for a XXXX jacket and card got declined again I called Bank of America and was told that hold was placed on my account but they cant provide the reason for the hold, I asked for a supervisor and was transferred to XXXX XXXX he refused to provide his last name ) in fraud department, who also said that there is freeze on account but denied to provide any explanation on to why. I went to a branch in person, same result. In the evening I received XXXX emails from Bank of America : XXXX ) my payment was declined due to insufficient funds ( but there were funds ) XXXX ) that all my future payments have been canceled
Product: Checking or savings account

I received a notice today around XXXX est that my Chime account was to be closed. No explanation as to why, no explanation as to whom to speak with, nothing beyond an email address. I have money in both my chime spending account and credit-builder account. I have done nothing wrong or dubious in any way. I have been with Chime for a few years and have my work dd set up through them. I have absolutely no recourse, when i emailed them i received this as a response : Our issuer, The XXXX XXXX, provides banking services to many other companies like Chime. They monitor account activity across all of their programs ; closure of an account can be the result of a users behavior on a program. Your account was identified for closure. 

Direct deposits, ACH debits, and recurring debit card payments may be rejected after your account closure date, however, we still encourage you to redirect your ongoing direct deposits and bank transfers to avoid any delay in receiving your funds. 

For full details, please reference the section titled Amendment and Cancellation in the Chime Deposit Account Agreement : XXXX XXXX XXXX
Product: Debt collection

CREDIT SYSTEMS INTL IN XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX RE : Cease and Desist Request & Debt Validation Under 15 U.S. Code 1692 Account Number : XXXX Amount Claimed : {$810.00} To Whom It May Concern, I am writing in response to your recent communication regarding the above-referenced debt. I hereby request that you provide me with the following documentation pursuant to my rights under 15 U.S. Code 1692 ( Fair Debt Collection Practices Act ) : Proof of Debt Ownership : Please provide a copy of the bill of sale or assignment contract that shows you have the legal right to collect this debt. 

Validation of the Debt : Provide all relevant documentation that verifies the validity of the debt, including but not limited to : A copy of the original signed contract or agreement between myself and the original creditor. 
Itemized accounting of all charges, interest, and fees related to this debt. 
Cease and Desist : I request that you cease all communication with me in relation to this debt, except for written verification of the requested documents or notification of legal action if applicable. This request is made under 15 U.S. Code 1692c ( c ), which provides me the right to limit further communication. 

Please understand that until these documents are provided, I do not acknowledge or accept the validity of this debt. If you fail to provide the requested documents within 30 days, I will assume that your claim is invalid, and I will consider the matter closed. 

If you persist in contacting me without providing proper validation or without addressing this cease and desist request, I will be forced to file a formal complaint with the Federal Trade Commission and the Consumer Financial Protection Bureau, and I will seek all legal remedies available to me under the Fair Debt Collection Practices Act, including but not limited to civil liability for any violations. 

Thank you for your prompt attention to this matter. 

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

I have disputed and provided proof that this is false information reported on both our credit reports. One credit report has properly removed the information but the other two haven't. 
We moved into The XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX. It became evident that there was mold in the plumbing including the toilets and HVAC. At first the leasing manager agreed to let us move after we paid to have the property inspected and found dangerous mold particles in the air. Through several emails at the end of XXXX, the leasing manager advised we could move out whenever was convienient for us and they would refund our {$250.00} admin fee and the {$500.00} deposit once we moved. The leasing manager, after we had secured a new place to live, stated that before we leave we needed to sign a " XXXX XXXX '' that was not mentioned in the email stating we could move. This agreement released the company from any liability and restricted us from speaking about the property 's mold issues. We refused to sign that since there was never a mention of it and if it had been presented before would not have agreed and would have proceeded to have the health department inspect the home. We proceeded to move out XX/XX/XXXX since that had already been agreed to in emails. 
Around XX/XX/XXXX, we received a collection notice for {$3100.00} from XXXX XXXX XXXX. I inquired what the collection was for and they advised it was for Early Termination. They reported to all 3 credit reports. We should not have been charged anything since we were told we could leave and that we would receive a refund. The charge minus the {$500.00} deposit we paid is equal to 2 months rent. However, the Early Termination Fee stated in the lease is only 1 month which would be {$1800.00} minus the {$500.00} deposit. We would only be charged {$1300.00} if the fee were even valid. I have disputed the charges showing proof of the emails and lease and only 1 credit reporting agency has removed the information.
Product: Debt collection

THIS ACCOUNT WAS NOT OPENED BY ME SOMEONE HAS MY PERSONAL INFORMATION AND I HAD NO KNOWLEDGE I AM REQUESTING THAT THIS ACCOUNT BE CLOSED AND REMOVED DUE TO THAT FACT
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I noted that my Experian FICO history & scores had been drastically altered from my documentation of the previous 7 months, & that there was a XXXX XXXX  plummet with no causation. I have documented evidence of a XXXX FICO history of XX/XX/XXXX XXXX of XXXX & excellent credit consistently reported. On XX/XX/XXXX pm, I checked the Experian account & noted that FICO scores & historical graph had all been changed to the low 700 good range. This contradicts previous information that was reported by the 3 bureaus, XXXX XXXX, & XXXX for many months. I reviewed the reports of all 3 bureaus & there has been NO changes, no late payments, and no evidence that can be disputed as fraud on the accounts. I tried to speak with Experian as well as XXXX twice, and was told there was nothing to do with the drastically changed history. They pointed out late payments from XXXX as the causative factor, & I tried to ascertain why the FICO would change drastically 6 years later. How was an entire history ( not just the current FICO ) altered? How was a FICO score dramatically reduced with no negative entries for years? I am seeking guidance on how to get the bureaus to investigate these discrepant alterations as then credit bureaus are totally disregarding these unexplained aberrancies.
Product: Debt collection

Jefferson capital systems claims that I owe them {$350.00} from XXXX. I have never had XXXX  so Im not sure what they are charging for. 
I want proof that I have/had a contract with XXXX because I dont recall.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out my identity had been compromised because my wallet was stolen from the movie theater. I didn't take the proper measures afterward. I just got a duplicate driver 's license and a copy of my social security. Several years later I'm receiving letters after letters of several unpaid accounts that I have never open. I then started to investigate and pulled my credit to check what all had been open. There are way too many fraudulent accounts open that I am near familiar with. These accounts are not mine. Please remove them. 

XXXX XXXX  XXXX {$160.00} XXXX XXXX XXXX {$910.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Below the following inquiries were pulled without my knowledge : : 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, credit repair services, or other personal consumer reports

I have a XXXX XXXX credit card that is in good standing and all payments have been paid on time and the full amount. XXXX XXXX XXXX XXXX XXXX, now XXXX XXXX ) reported that I had settled the account with the credit bureaus. This is inaccurate I did not settle this account, it is current and in good standing. When I tried to get help from XXXX XXXX credit card customer service they would not give me any assurances that they would correct the reporting.
Product: Credit reporting or other personal consumer reports

Upon checking with my credit union. I have discovered many hard inquiries on my credit report that I did not authorize. I have only financed through my credit union. These items are inaccurate. I did not authorize. I have not financed anything through these companies or given them consent in any way I am disputing and requesting that these items be removed from my credit report. Here is a list of unauthorized inquiries : XXXX, XXXX, REGIONALAC, XXXX XXXX, XXXX, XXXX XXXX XXXX of XX/XX/2022. Please investigate this matter and delete as soon as possible.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. XXXX and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XXXX XXXX 2017, i sold XXXX LTC which at the time was worth {$150.00}. As of now it has been 3 weeks since i sold the virtual currency and i still have n't received any form of payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting an incorrect coding on the XXXX account number # XXXX. ( Please see page 5 of the attached credit report. ) This account is reporting as an I2 and actually it needs to be coded as an I1. This incorrect coding is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018, I sent correspondence to the bureaus regarding fraudulent accounts that are on my credit report. The fraudulent account is still listed on my credit report. Pursuant to Section 605B of the FCRA i would like to have this fraudulent item blocked.
Product: Checking or savings account

In XX/XX/2022 I opened a checking account with XXXX XXXX and funded the account with {$10000.00}. From my XXXX account I sent another institution {$9600.00} to buy stocks/crypto. On XX/XX/XXXX XXXX reversed {$2000.00} and froze my checking account for no reason. For the past XXXX weeks they won't even talk to me, and when I call in they just tell me they'll be in touch. 
In the meantime the other institution I sent the fiunds too also froze my account on XX/XX/XXXX because I bought stocks/crypto before XXXX reversed the charge. Since then the market has dropped 50 %, so not only are both my accounts frozen but I also lost half my money because I'm unable to place a trade. This is my entire life savings and because of XXXX I now lost half of it. Not to mention I can't pay any bills, I can't buy food or gas etc, I can't survive! 
Today is XX/XX/XXXX, now going on the XXXX week and XXXX stil has my account frozen and won't speak to me. I would like my account to be unfrozen IMMEDIATELY, and also compensated for the money lost due to XXXX negligence. 

Please Help! 

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

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please REMOVE the accounts in my Credit Report : XXXX XXXX XXXX XXXX  XXXX XXXX , XXXX XXXX XXXX XXXX  XXXX XXXX , XXXX XXXX XXXX.
Product: Credit card

On XXXX XXXX, I made a sizeable payment to American Express and I booked upcoming travel, putting the flights on the card. Although I still had room on the card, the sizeable payment should have also more than covered the expense. I wanted points. On XXXX XXXX, the payment was posted. On XXXX XXXX, the flights were posted. The payment I made is not being reflected on my balance, I am now {$69.00} over my limit and have had valid purchases declined because my balance is showing without that payment. I called AmEx on XXXX XXXX, noticing the discrepancy. They agreed that my balance was incorrect and I should have at least {$2100.00} of usable credit. I was instructed to wait 24 hours to see the balance update, but wanted to use the card to book more travel that day so AmEx " fixed '' it right then. It is now the XXXX. The card has reverted back to the overdrawn balance. Things that should easily clear are being returned.