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

Listed Below are Hard Inquiries that have been made fraudulently and should be removed form my credit file. According to FCRA 15 U.S. Code 1681c2 - Block of information resulting from identity theft. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. 

Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX  Assistant Director of Enforcement Consumer Financial Protection XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CC : Consumer Financial Protection Bureau, CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : UNITED STATES CONGRESS CC : Federal Deposit Insurance Corporation , CC : Comptroller Of The Currency CC : Federal Reserve System, CC : Credit and insurance CC : Federal Trade COMMISSION
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act the below listed accounts have 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 I would like all these accounts removed from my account, I have no knowledge of these accounts, and I have also contacted the creditors with no explanation nor resolution to the matter. 

XXXX XXXX XXXX XXXX
Product: Debt collection

The company Lexis Nexis does not want to block my information, I do not want that company to give my information to anyone and they do not block it. From there they provide information to banks, credit bureaus, and insurance companies, and I want my credit and personal information to be cleaned and protected. They use these strategies I suspect to further raise people 's interest rates. And personal information must be protected.
Product: Debt collection

On XX/XX/XXXX, my wife called the Mr. Cooper call center responding to several persistent and obnoxious phone calls from them. My concerns are these : 1 ) In XXXX of XXXX, we applied for a forbearance under the auspice of economic relief related to COVID-19. It was represented that our payments would not be forgiven, but rather, our payments would be applied to the end of our loan. There was no discussion or disclosure related to the necessity for " modification ''. Therefore, Mr . Cooped failed and misrepresented pertinent information related to COVID-19 Relief. 

2 ) Mr. Cooper persistently, unnecessarily and obnoxiously calls everyday. There are no messages left and when we call back, the inept customer service department can't seem to access notes or records to understand why Mr. Cooper was calling us in the first place. 

3 ) On XX/XX/XXXX at approximately XXXX XXXX Mountain Standard Time, my wife called XXXX and spoke to a woman who alleged herself as a customer service representative, but her behavior would suggest something different. Regrettably, we don't recall her name, but any competent call center manager would be able to search the records for either my wife 's phone number or our account number, on this date and approximate time, to find the recording. 

Anyway, the female employee 's conduct and demeanor was beneath any acceptable professional standard of customer service. She was rude, condescending and habitually interrupted my wife who was attempting to ask questions and understand the situation related to our mortgage account. 

The female employee also alleged that our mortgage is " delinquent '' ( which it isn't ). The female employee 's assertion that our mortgage is " delinquent '' is either a misrepresentation on her part, or Mr. Cooper as a corporation misrepresented the terms of the forbearance related to COVID-19 relief. Either Mr. Cooper is at worst are deceptive about their COVID-19 relief, or at best they violated the Fair Debt Collection Practices Act by misrepresenting that our loan is " delinquent '' and calling to harass us multiple times a day.
Product: Debt collection

XXXX XXXX XXXX called me on XX/XX/XXXX stating I owed old navy from XXXX and they were taking action to suing me for over {$3000.00}. The woman XXXX XXXX said I can either make a one time payment of {$860.00} or make monthly payments of {$100.00}. I was so afraid I agreed to monthly payments of {$100.00}. I gave a partial payment of {$75.00} and am required to make another payment of {$25.00} Friday XX/XX/XXXX. She took down my card information and said payments will be automatically taken from my card the XXXX of every month and if I was to default on the payments I will be served and taken to court to pay the {$3000.00}. When I got home I spoke with a family member who said it could be a scam. She looked up the address for XXXX XXXX  XXXX and it is actually a XXXX store in California. The number is a 888 area code. I dont know if this is real or in fact a scam. Im scared and need some type of help.
Product: Checking or savings account

My bank will not send requested information to a company requesting it ..in a timely manner. This is causing issues with returned checks and nsf fees. Also my bank is returning items when my account has the money to cover it and then charging me fees for them being returned. They do not show the items being returned but show the fees for the items in my account activity. I have also disputed a charge and have had to call them twice about it and still nothing has been done and the charge was done I believe on XX/XX/XXXX to a card that was reported stolen and no longer active. I 'm still waiting to hear from someone.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the reporting of a charge-off account from XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX on my credit report, and to request its removal due to multiple inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).
Product: Bank account or service

When monitoring my checking account online sometime during the second week of XXXX, I noticed XXXX debit transactions where the transaction detail was shown as " other debit. '' The XXXX transactions, posted XXXX/XXXX/17 and XXXX/XXXX/17 totaled {$900.00}. I contacted Citibank numerous times requesting more detail. After several calls and weeks, I was told by Citibank that the charges were to XXXX. I had contested XXXX fraudulent transactions to XXXX the previous month, so I was surprised that Citibank approved these transactions and debited my account without notifying me of another possible fraudulent transaction. As of today, Citibank has still not credited my account even though I have told them numerous times that I did not make the purchases and I have requested that they credit my account. Citibank has shown me no documentation of these charges and has notations that they have called me and sent me a letter but I have not received a call or letter from them. I finally decided to contact XXXX today and after speaking with XXXX people, they show no evidence of these charges. So I have no idea why Citibank debited my account for these XXXX transactions or where the money has gone. Citibank still has not credited my account or shown me any documentation of the transactions. The transactions are still shown as " other debit '' on my account register.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Credit Department I am writing in regard to the account with your company, which is associated with the following information : Account XXXX Your Name : XXXX XXXX Please XXXX XXXX XXXX XXXX XXXX XXXXisputing the debt in question. I am simply requesting the following details for my records : XXXX. Date of First Delinquency The first date that the account became delinquent. 
XXXX. Date of Last Payment The most recent payment made on the account. 
XXXX. Date of XXXX The date the account was charged off. 
XXXX. A copy of the XXXX showing the charge off information I kindly ask that you provide this information as soon as possible. Please feel free to contact me at [ your phone number ] or [ your email address ] if you require any additional information to process my request. 
Thank you for your prompt attention to this matter. 
Sincerely, [ XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/, I sent out 3 letters to have these inquiries removed but I once again reviewed my credit report and found the same unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since they do not have my authorization, written nor verbal I asked that they DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
Under 15 U.S. Code 1681i, Paragraph ( 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 shall- ( i ) promptly delete it.
Product: Debt collection

I am unaware of this debt. I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you believe I received a proper notification, please provide the certified mail with the receipt with my signature on there stating that I received it.
Product: Checking or savings account

After banking with Chase over XXXX  years the bank closed all my accounts and refused to provide an explanation. In my Savings account I maintain Substantial balance over the course of years. Recently I started XXXX XXXX XXXX XXXX withdrawing large amounts as well making a deposit using a Cashiers Check from another financial institution ( money from XXXX ). All transactions were conducted with Cashier 's checks. Never had any overdrafts or any type of fraud. This cause me to rush and transfer funds to another financial institution. An explanation would have been appreciated. My credit card was also closed which will affect my XXXX score. I am not sure what if anything could be done I believe Chase discriminated against me.
Product: Student loan

I have been paying on this Discover Student loan for many years and the balance is not decreasing. They have been steadily increasing the interest rate. Student loans shouldn't have interest rates of % XXXX percent. This is a predatory loan. 
{$4800.00} Minimum Payment Due {$0.00} Make a Payment Borrower is enrolled in automatic payments Next payment is scheduled for XX/XX/2023 Statements XX/XX/2023 Statement XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15.500 % Loan Balance {$4800.00} Deferred Interest Balance {$0.00} Amount Past Due - Minimum Payment Due {$0.00} Original Loan Amount {$4000.00} Total Disbursement Amount {$4000.00} Number of Remaining Payments XXXX Maturity Date XXXX/XXXX/2033 Payoff Balance View Payoff Balance for loan XXXX. 
Payment Status Current Loan XXXX XXXX XXXX XXXX XXXX University View Payment History Payments To Date {$7600.00} Principal {$1400.00} Interest {$6200.00} Late Fees {$0.00}
Product: Credit card or prepaid card

CFPB reference number  XXXX  shows very grave discrepancy which created bias or obstruction. The complaint process before  XXXX   XXXX ,    2017  and the same process after  XXXX   XXXX ,  2017  can be compared and contrasted because I suspect that time and attendance fraudsters got away with malfeasance or criminal gamble. I believe that I voiced my concern to the  USDOJ  fraud reporting  hotline both times  before and after  XXXX   XXXX ,    2017  where the hard copy and its microfilm must embarrass the ongoing meddling probe and its failure to act while supplies last.  XXXX  is fighting wastage, I guess. To make matters more transparent, The hard copy is faxed to  XXXX  on  XXXX / XXXX /   2017  exactly at  XXXX   XXXX . I skipped OIG or ombudsman or all authorized or unauthorized representatives at this time.
Product: Checking or savings account

I had been banking with Chase Bank for over 25 years. On XX/XX/2019 they sent me a letter ( which I received XX/XX/2019 ) stating they had decided to close all my accounts ( Checking and Saving ) with them. I went to their branch near my house and spoke to the branch managers that I had been seeing all these years and they logged in to my account only to find out that no new account to be open for me and no additional reasons to be provided on their decision to close my accounts.
Product: Credit reporting

XXXX XXXX I requested to close account in XX/XX/XXXX to the district manager. Still open with late history now reported. 

XXXX 2015, I requested to close my comenity credit line.The account showed closed by consumer and then reported open and late history has been added to the closed account that shows open. 
I am attaching my bureau with this complaint. I also have highlighted illegal credit inquiries on my report to date. I never authorized for these companies to pull my credit and never disclosed my personal Social Security number and place of employment. Whoever sent this information to these companies, has given my information without my consent and or knowledge. 
XXXX XXXX regional manager has called all of my personal references on my application more than 10 times and released private information about my account prior to me asking for the account to be closed. They to date still call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased two phones from XXXX who is a wholesale retailer for XXXX XXXX. Both phones were returned on XXXX XXXX 2018 to XXXX and XXXX provided a refund receipt. A refund receipt and credit card refund is attached. The return was within the remorse period by XXXX and honored by XXXX. XXXX was not able to communicate the refund to XXXX communication and they called be about the amount due after many months. I told XXXX that the devices were returned and they need to call their retailer. XXXX made no attempt to reach out to XXXX and so I personally went to the store and asked him to resend the cancellation. XXXX provided a copy of refund receipt. XXXX then sent the amount to the collection and every time I tell collection agency that it has been returned, they sell it to other collection agencies. I reached out to XXXX  to correct the reporting but they reach out to XXXX who keeps confirming. Both XXXX and XXXX are ignoring refund receipt. I have to pay a higher interest rate due to collection and more recently denied credit due to the collection on my report. I have called XXXX but they keep saying that the account is in the collection and they can not open my file. so I am in a vicious loop trying to correct a wrong item on my credit report. I want XXXX to call XXXX  ( phone numbers are there in the attached ) and correct the issue. Also, XXXX  should not report false items when provided proof of payment.
Product: Credit reporting or other personal consumer reports

I am writing to formally request your assistance in resolving a dispute concerning inaccurate information on my credit report. Despite my efforts to resolve this issue directly with the credit reporting agencies, I believe the inaccuracies have not been fully addressed according to the standards set forth by the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 
1681i. 
I am requesting that the CFPB oversee a procedural investigation into this matter to ensure compliance with 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires the credit reporting agencies to conduct a reasonable reinvestigation of the disputed information. 
Additionally, I ask that the results of this reinvestigation be provided to me within 5 business days of its completion, as mandated by 15 U.S.C. 1681i ( a ) ( 6 ). If the investigation finds the disputed information to be inaccurate, incomplete, or unverifiable, I expect it to be deleted from my credit report as per 15 U.S.C. 1681i ( a ) ( 5 ). 
I appreciate your attention to this matter and look forward to your guidance in ensuring that my rights under the FCRA are upheld.
Product: Debt collection

Ive received notice of a debt owed and I do not recall ever agreeing to anything with this company. I am unfamiliar with the debt and would like proper proof of me having any obligation to this creditor
Product: Debt collection

I have been receiving repeated phone calls from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX WA XXXX in an attempt to collect a debt owed to XXXX XXXX in XXXX, Washington. 

At least 3 times, I have been contacted by and them and explained to them that they are contacting the wrong individual, who apparently has the same name as I do. I have given them the last four of my ss # and, after doing so, they realize that they have the wrong individual, apologize for contacting me and say that they will update their records. 

Today I received yet another call from XXXX XXXX from the same institution. I was incredulous that they have yet to correct their records from the multiple times that I have requested them to do so. 

XXXX XXXX was very condescending, accused me of trying to not pay a debt that I clearly owned, and was in general very unprofessional. As she continued to provoke me, it became very clear that not only was she refusing to listen to my explanation but was set on continuing to speak to me in an accusatory manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian member services multiple times over the phone since XXXX to let them know that my credit score was being reported incorrectly. This situation is unique because the credit report is correct, however the online tool they are using to report the score is pulling information that reflects a 60 day delinquency that is not on the report ( see attached screenshot ). After contacting them many times, they determined it was a membership services issue, not a credit report dispute ( there is nothing negative to dispute on the report ). It required multiple calls and speaking with different supervisors before someone finally submitted a ticket to their customer care department to begin working on a solution. I received confirmation of the ticket Monday, XX/XX/2018 ( see attached ) after over 2 months of phone correspondence with no results. The ticket confirmation requested screenshots for further investigation. I provided the screenshot to them in an email on Saturday, XX/XX/2018 ( see attached ). I did not hear from them for a couple weeks, so I followed up by replying to the ticket Monday, XX/XX/XXXX and received a reply that only said they are still working on it. XXXX attached ). Experian is still reporting my credit score inaccurately and they have not resolved the issue that is impacting my score negatively after 3 months.
Product: Money transfer, virtual currency, or money service

On or about XXXX XXXX, 2020, XXXX XXXX and XXXX XXXX transferred a total of {$610.00} to CashApp for transfer to me. They received confirmation that the money was taken from their accounts. None of the money has ever reached me. 
After trying unsuccessfully to reach CashApp by phone ( none is listed ) or email, I wrote a letter to them on XXXX XXXX, 2020, to the attention of Customer Support. I heard nothing back. I followed up with another letter on XX/XX/XXXX addressed to the Chief Financial Officer, certified mail, with copies to the CashApp lead, the General Counsel and the Chief Executive Officer. Again, I have heard nothing from them. I have copies of the correspondence to them in my files. I have not even received an acknowledgement that they are looking into the matter. 
It is now more than six months without the funds. I am suspicious that I am not the only person to be affected. 
One of my letters asked them if I was wrong about being owed the money, but no response was forthcoming. I would like them to pay over to me the {$610.00} that is due.
Product: Credit reporting or other personal consumer reports

Under the doctrine of estoppel by silence, as referenced in XXXX XXXX XXXX, it is presumed that no evidence of the debt exists.I am writing to formally demand the immediate deletion of any derogatory information on my credit report that has not been fully verified as true, correct, complete, and compliant with all applicable reporting laws, including the FCRA, FCBA, FDCPA, and METRO 2 COMPLIANCE STANDARDS.
Product: Mortgage

Nationstar continues to deny my loan mod. For 28 months our firm has tried to modify XXXX XXXX XXXX 's Loan. They refuse to supply the negative NPV form which is the reason for the most recent denial. They have also listed his primary residence as a rental which is the cause of the is last denial as the unpaid principle balance is {$1000000.00}. This balance also prevents XXXX XXXX from obtaining a HAMP/Tier XXXX loan mod. The denial letter states his income at {$640.00} less that what was provided in documentation.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account XXXX : XXXX  XXXX - Date Opened XX/XX/year>
Product: Debt collection

I have repeatedly disputed with the company INPT CONSLT OF FL, Their are charges found on my credit report that are fraudulent. The dispute states always comes back as " verified as accurate. I can prove during the time of these charges I didn't live in the state of Florida, and I can prove I was living and working in the state of tn. By court records of XXXX  and irs verification of employment. I do not know who used my social to go to several hospitals in Florida but most of the other accounts have been taken off my credit report. this one is a XXXX $ collection that was opened on XXXX XXXX, 2018 ( 2 yrs, 2 mos ).
Product: Credit reporting or other personal consumer reports

Account Details : Creditor : THD/CBNA Account Number : XXXX This account has undergone multiple transfers of ownership, leading to confusion and, ultimately, the initiation of legal action against me by XXXX XXXX  XXXX XXXX XXXX However, I would like to bring to your attention that the case ( XXXX XXXX XXXX Case No : XXXX ) was dismissed with prejudice onXX/XX/2024. The dismissal indicates that no evidence was found to establish my ownership of the alleged debt. 

Given the legal resolution and dismissal with prejudice, I insist that Citibank immediately removes this account from my credit report. The lack of evidence supporting my responsibility for the debt is a clear indication that the reporting is inaccurate, misleading, and harmful to my creditworthiness. I kindly request that Citibank conducts a thorough review of the documents uploaded, it verifies the dismissal of the case with prejudice, and promptly removes all associated negative information from my credit report.