23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Received correspondence from company XX/XX/2022 about a debt that was written off from the original creditor. I immediately disputed the collection attempt. I submitted my dispute on XX/XX/2022 via Certified mail. They respondedXX/XX/XXXXclaiming to have validated the debt without proof as weak as admitting that the original debt was indeed a charge off. I responded XX/XX/2022 informing them that a charge off debt does not get reported on a credit report as debt, but rather the IRS income tax return as income as the law states. I also informed then that they are in violation of several laws and that their willful noncompliance will be enforced per violation. The law is the law and that they must abide by the law and pay me per violation. I received no response to this letter. I then received an email from another collection company claiming that they have the right to collect this charged off debt. The 1st company knew that they couldn't collect it, and they are refusing to pay me per the law. They sold the collection account to another debt collector. I then submitted a third letter to the company citing various FDCPA and informing them that they are in violation of the law and that I will seek further damages if my demands are not met promptly and this account be removed from my credit reports. This letter was just sent XX/XX/2022. They should have received it since they are a local company within driving distance from my residence. Please see all attached evidence and please read in it's entirety. The file that was mailed to the new company ( XXXX XXXX XXXX XXXX XXXX was sent certified and notarized on XX/XX/2022 )
Product: Credit reporting or other personal consumer reports

In accordance with fair credit reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account name : XXXX XXXX XXXXXXXX. Account name : XXXX XXXX ( XXXX ) XXXX ( TransUnion ) XXXX ( XXXX ) XXXX Account name : XXXX XXXX XXXX XXXX. Account XXXX : XXXX XXXX. 
Account name : XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX. 
Account name : XXXX XXXX. XXXX XXXX XXXX. Account name : National Credit XXXX. Account name : XXXX XXXX. Account name : XXXX XXXX. 

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 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 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 knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several accounts on my credit report that were opened fraudulently in my name. Under 15 U.S.C. 1681c-2, I request the immediate blocking and removal of these fraudulent accounts from my credit report. These accounts were opened without my authorization, and I have never given written permission for them to be reported, as required by 15 U.S.C. 1681 ( a ) ( 2 ).

In accordance with 15 U.S.C. 1681c-2, please block these accounts from my credit report within XXXX business days and provide written confirmation of their removal. Additionally, I have frozen my credit profile to prevent further unauthorized activity.
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. 

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 has violated my rights. Or list of inquiries 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 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 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 knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX and EQUIFAX on XX/XX/XXXX regarding erroneous inquiries that were placed on my reports without my consent. When I called in they told me they would be working on getting this inquiries removed and since then there has been no changes made for inquiries done erroneously. 

XXXX Erroneous Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Inquiries done 2 times by this company XXXX Erroneous Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Inquiries done 2 times by this company
Product: Credit reporting or other personal consumer reports

Hi. 
I wanted to ask your company if there is anyway possible to help me remove a hard or soft inquiry that I mistakenly applied for the same Credit card I already have? I tapped the wrong option on the credit card account page, and I don't want it to show as a hard or soft inquiry. I already have too many Inquiries on my credit report. So I was hoping if there is anyway you can assist me in having this appearing on my credit report? I'd greatly appreciate it, if there is a chance to help me with this. I am a XXXX XXXX XXXX Veteran, if that would help me in anyway possible? And I am proud of my service to this Country and if I could do it again I would God Bless America and our Troops serving!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX have sent several letters to the credit bureaus and haven't received a response. I've seen many incorrect and unknown items on my credit report. It's been over 63 days since I first sent out my first letters. I feel like no one has received my disputes. With this taking so long with no response I demand these items be deleted immediately or I will file for litigation is due to the stress you caused me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XX/XX/XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  300XXXX SSN : ***** XXXX Contact : XXXX XXXX XXXX Re : Disputing Inaccuracies on My Credit Report Experian XXXX XXXX XXXX XXXX, TX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX To Whom it May concern : I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. It is inaccurate because I've been contacted by your company about a debt you allege, I owe several times from a total of ( XXXX ) XXXX XXXXXXXX Collections Account with no Account Number. This Collection account is reporting not only as Open on all accounts, except XXXX but also shows a past due balance of [ XXXX {$150.00} ]. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. This rule is effective XX/XX/XXXX. Please reinvestigate this matter and delete the disputed item as soon as possible. 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. please send me the names and addresses of all individuals you contacted so that I may follow up with them directly A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter. 


Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

Initial charge on this card was in the amount {$2900.00} clearing the {$2500.00} threshold for 24 month interest free financing according to https : //www.ikea.com/us/en/customer-service/services/finance-options/ My statements are showing 12 month interest free financing and this is incorrect according to all forms of advertising by XXXX and the rate and fee summary provided as part of the agreement with Comenity Bank XXXX 

Comenity Bank has refused to assist claiming the issue can only be cleared by the vendor ( XXXX ) XXXX has refused to assist claiming the issue can only be cleared by Comenity Bank.
Product: Credit card

On XX/XX/2023 I received an alert from XXXX stating that my credit score has decreased and that an inquiry was made from JPMCB CARD SERVIES ( known as JPMorgan Chase Bank ). I then contacted them to investigate on this inquiry in which I was told by them that someone accessed my chase account and applied for a credit which was approved on XX/XX/2023. The rep advised me that although the account was opened the card had not been sent out yet so she was able to close the account in time. The rep was also able to confirm that the Checking/ Saving account I have with them is still secure but I was still able to change the password on my account as well as add a voice authenticator passcode incase I call to access my account over the phone. 
My SSN was stolen a few years back and I am nervous to think that I am now vulnerable to this happening again but this time with another company which will impact my credit score even more.
Product: Credit card or prepaid card

I filed a dispute with capital one in XXXX of 2020 because they were reporting my payments late so my score took forever to update. Capital one removed my credit cards from my credit report ( I have 3 cards ). I was about to buy my dream house with a credit score of XXXX it took me a year to go from the 500s to where I'm at now. My fico score is trash my credit score is now XXXX and I have never ever missed a payment!!! I've worked as an essential worker and finally had everything I needed until capital one dropped the ball. I was told they might put them back. So I hung up and now I'm here! I did nothing wrong they gave me 3 credit cards and then trashed my credit all I can do is cry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent dispute letters to XXXX, Experian, and XXXX since XX/XX/18 asking the bureaus to remove derogatory/inaccurate information from my credit report on the following accounts - XXXX XXXX, XXXX, XXXX XXXX, and XXXX. Since XX/XX/18, I have sent letters on XX/XX/18, XX/XX/18, XX/XX/18 to no avail. Per the FCRA, the bureaus have 30-days to respond and I have yet to receive anything. I am requesting that you look into this situation and have it resolved.
Product: Mortgage

Our mortgage was sold from XXXX XXXX  to Chase Mortgage effective as of XX/XX/XXXX. 
We made first mortgage payment of {$2100.00} to Chase on XX/XX/XXXX. 
Our mortgage with XXXX XXXX has never had an escrow account and we pay our own taxes and insurance. 
Prior to loan transfer from XXXXXXXX XXXX  in XXXX & XXXX we were notified by XXXX that we had a lapse in coverage of homeowners insurance for 20 days from XX/XX/XXXX to XX/XX/XXXX. We contacted XXXX XXXX and our insurance company XXXX XXXX and advised there had been a mistake made by XXXX XXXX. We also provided a copy of a certificate of insurance from XXXX XXXX to XXXXXXXX XXXX which indicated on the form that XXXX XXXX made an error in the start date of coverage and that it should be XX/XX/XXXX. In the meantime, XXXXXXXX XXXX canceled the force placed insurance but transferred our loan with a balance of {$180.00} owed for escrow to Chase Mortgage. 
Chase mortgage processed our XXXX payment in the amount of {$2100.00} which is our P & I monthly payment and advised we would now have an escrow account for insurance and also pay the {$180.00} lapse in coverage. I have been communicating with Chase since XXXX to have the escrow account removed and was notified on XX/XX/XXXX that they have removed the escrow account ; however, they have now added the {$180.00} for a lapse in coverage to our monthly payment for a total of {$2100.00}. They have added {$15.00} per month to our payment to pay for the {$180.00} lapse in coverage we shouldn't have to pay because we never had a lapse in coverage. I have repeatedly explained this to Chase insurance department, escalation department and customer service department and somehow as a mix up between XXXX XXXX  and Chase Bank XXXX, as the consumer, which hasn't done anything wrong is left to pay {$180.00} we don't owe. I want the {$180.00} removed from my mortgage payment and a letter stating the same. 

Please provide assistance to get this issue resolved. I believe we have a XXXX XXXX backed loan. Our loan number with Chase is # XXXX. I have uploaded the certificate of insurance from XXXX XXXX with information indicated the error was from their agent and the correct dates of coverage. This information was provided to Chase. If needed, I can provide you additional correspondence from Chase regarding this issue. 

Thank you advance for your assistance. 
XXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

I filed XXXX XXXX bankruptcy on XX/XX/year>. 

Florida Case XXXX XXXX XXXX. 

It was discharged by the court in XXXX. 

The seven years has past, and all three credit agencies still show this on my records how do i get his off my credit report? 

thank you XXXX XXXX XXXX
Product: Debt collection

Repeated calls three to 4 times a day, Harassing family members and threatening them fro personal information, as well as calling an office I am contracted with not employed and falsifying why they need to speak with me even after I have told this company to stop calling there and stop calling family members. It is against my company policy to get these calls. 

Credit company is called pioneer credit also goes by ph # XXXX
Product: Credit card

My name is XXXX XXXX, I filed an arbitration against LVNV., however, I have received a notice from the XXXX XXXX XXXX XXXX informing me that LVNV didnt pay the fees to continue with the arbitration process. This means they are in breach of contract with me. I am requesting the Consumer Financial Protection Bureau launch an action against LVNV. This company is in breach of contract and failed to comply with the arbitration provision on the debt they are collecting.
Product: Money transfer, virtual currency, or money service

I called Chime bank trying to find out how to deposit my daughters cashiers check that was signed over to me!! And the representative XXXX and chime had me download a app called XXXX and that gave him access to my account then he had me go to pay anyone on the banking app that I have in my for put in the note spot my daughters name and the amount of the check then he had me put in a bunch of letter avandance which then he had me put in a code XXXX in the pay section which then took {$1400.00} out of my checking and it as sent to a XXXX XXXX chime name $ XXXX I filed a dispute right away told a another representative what happened and they said that they could not stop it please help me with this matter thank you for your time in this matter Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

This issue is with my credit card with Best Buy store card. In the month of XX/XX/2019 my credit card statement showed online unauthorized charges, so I immediately contacted Best Buy customer services and was transferred to the fraud department and reported the unauthorized charges totaling {$5600.00} with a previous balance of {$0.00}. I was told an investigation would take place. In XXXX I received a letter stating that the investigation was completed and that there was no evidence of fraud and I would be responsible for the purchases. I then contacted Best Buy Fraud department and questioned what the reason was for that showed that I was responsible. I was told that the notes were not specified clearly, so they gave me the option of having a second request for an investigation. In XXXX I received the conclusion of the second investigation. The letter and stated that they had completed their investigation and still find myself responsible. The letter did not have an explanation all they provided was the orders that showed an email that was used that was not mine and also a phone number that is not mine with the order delivered to a store in the city of XXXX XXXX, Ca. 
I notified Best Buy again and I was told by the Fraud department that I was responsible because of the purchases were delivered to my home. That is a huge contradictory when their paperwork shows a screenshot of the order was delivered to a store. I asked Best Buy to pull their video cameras and I was told they could not do that. In my opinion that would be an option to prove that I did not place these purchases nor picked them up. What is the purpose of video cameras if they refuse to use them to protect them and the consumers. After getting no resolution from Best Buy and notified XXXX, Ca Sheriffs Department and made a police report. When the officer that took my report contacted Best Buy himself they told him they refuse to deal with the Police Department because they are not authorized on the account. I find that completely wrong! I feel my rights as a consumer have been violated by Best Buy Franchise and I have written numerous letters to the Corporate office and have had nothing back from them. I have to continuously pay this bill that I AM NOT RESPONSIBLE FOR so my credit isn't compromised. I am asking for help from the CFPB to exercise my rights as a consumer for fraud charges that Best Buy will not remove from my account. I should not be responsible for charges that I did not authorize nor received. 
The police report number for this dispute is XXXX from XXXX, Ca Sherriffs Department.
Product: Debt collection

I have reviewed my latest credit report and noticed multiple accounts that seem to be unauthorized and incorrect. Please block and delete these fraudulent accounts right away.
Product: Debt or credit management

XXXX XXXX  was fixing my credit I payed them every month XXXX $ a month for a year to clean and fix my credit stuff on my credit that wasnt me and my money was taken but no action was taken
Product: Debt collection

PORTFOLIO RECOVERY ASSOCIOTES is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1000.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2012 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Mortgage

On XX/XX/2018, we started a loan application with Veterans United Home Loans which did produce a loan and purchase of a home with a VA loan. At closing, per our loan agreement and records showed what was included in our escrow account ; Home Owners Insurance, Flood Insurance, Taxes, and POA assessment fees for the year 2018. After three months, our loan was being serviced by a different lender. Our taxes and homeowner 's insurance was included in our new escrow account with the new lender. However, our flood insurance and POA assessments were not there and there was no flood policy written as well. We did pay Veterans United Home Loans for flood insurance but yet there was no policy. After reaching out to Veterans United Home Loans back in XX/XX/2018, I was instructed to contact our insurance representative. I have fixed these issues since, and now being contacted by Veterans United Home Loans trying to get our business again to refinance just to be sent to a different lender shortly thereafter. I will include the correspondence received from Veterans United Home Loans, and I did ask to be taken off their contact list. 

We also know why they, Veterans United Home Loans, are contacting us now is because we did try and refinance our VA loan with horrible experiences from four different lenders this past month. Our experience was that the lenders would basically get our home equity in either closing or points costs to us for just a difference of $ 100-200 in our monthly payment. We felt that we would gain better by paying extra towards our principal balance each month to lower the amount of interest we would pay over the time of the loan. My husband and I feel that these lenders knew exactly what they were offering and why. 

We would wish others to understand that equity in your home is precious and giving it away to lenders for a difference not beneficial to a veteran is not the way to go. 

All of the lenders offered the four listed problems that the VA stated to watch out for. We just want to get the word out there.