23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

On XXXX XXXX, 2015 around XXXX I called to make a dispute concerning an inaccurate information on my Transunion consumer report under the FCRA. There is a duplicate hard inquiries from XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX ( Soft Pull ) and XXXX XXXX. I was concerned that the credit report pulled on these days were the same as there was no significant changes within these periods, and that only XXXX of the pulls was authorized. 
The XXXX customer representative informed me he can not take my dispute despite what the FCRA says. I requested to speak with his Manager and She said the same thing. I was not satisfied with the response and I was transferred to XXXX XXXX XXXX ( XXXX Supervisor ) who also concluded that based on their policy they can not take my dispute or investigate it, except I contact XXXX. 
I believe this is in contrary of the law, as the law does not discriminate on what type of information I can dispute.
Product: Credit reporting or other personal consumer reports

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

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

Items that need attention : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX BANK XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$2800.00} Charged off XXXX CARD XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00} Late/Open Late Late 120 Days Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Did not give permission for Hard inquiry. Please remove now. 

XXXX XXXX XXXXXXXX Inquired on XX/XX/2022 XXXX
Product: Credit reporting

XXXX years ago I submitted a request for Equifax to update my social security #. When I was purchasing a home I was told there where other # being reported with my name. I wrote a letter and sent proof of my social security and id. I never got a response. I figure maybe they did not receive it. I faxed them the same info. no response. I tried to dispute collections and there is no response. I tried to log online to do the dispute my self and I was given a message that my information did not match their records it asked me to fax what I faxed XXXX years ago. I also attempted to re fax it in 2015 again. I would like to buy a house and for XXXX years. I cant dispute inaccurate information that is hurting my financial decisions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/22, but no answer was received. The account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If they do not authenticate the account, I will take legal action against them. Please abide by the law in order for this matter to be resolved promptly. 


XXXX XXXX Balance : {$6800.00}
Product: Credit reporting, credit repair services, 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. 

Account XXXX : XXXX Account 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: Payday loan, title loan, personal loan, or advance loan

regards 2 payday loans : one from Minto Money for {$45000.00} and one from XXXX for {$1000.00}. After receiving the money, I discovered that neither company is allowed to operate in Georgia due to the Loan Shark Law. I am being charged 500 % interest and the payments to both do not allow me to pay my rent. I was able to put a stop payment on the Minto Money payment on Friday for {$210.00}, however I was not able to stop the XXXX Payment for {$400.00} yesterday. I have contacted XXXX today and told them they should not have given me the loan in the first place. The loan document they had me sign showed an address in Florida which I informed them at the time was incorrect but they refused to correct it .I will also contact Minto Money today and give them the same information. The phone number for Minto Money is XXXX, and the phone number for XXXX is XXXX. Please let me know what recourse I have.
Product: Debt collection

This case had already been submitted to the CFPB under the name of XXXX for violating the HIPAA law, now XXXX passes this same bill to another company named Capio Partners LLC since XXXX failed to provide the evidence requested and the case was closed. Now here I include evidence of the same XXXX case, and do I successfully stop this collection or proceed with legal action
Product: Prepaid card

In XXXX this year chime.com closed my secured credit builder account. It had a negative balance of {$48.00}. It was reported to all of my credit reports as closed with a {$48.00} balance.. I called and made several attempts to pay the balance and was told that no other reporting would be made to my credit bureaus. They have told me that there is no way for me to pay the balance because the account is closed. Now it is being reported as a charge off to all three of my credit bureaus. They never sent me anything in writing to tell me that they were going to cure the account and charge it off and have given me the opportunity to be able to pay the balance which is my right. 
All of these phone calls were recorded. Every time I spoke with somebody I got different information. I even tried to call on XX/XX/year> and was told that there's nothing they coukd do. I have filed a complaint with the attorney General 's office of the state of Colorado. I need this removed from my credit bureaus and the balance waived. If I can not have the opportunity to pay it off, it violates the fair debt collection act
Product: Debt collection

On XX/XX/11 a letter of verification of debt request was emailed to XXXX per their information email link sent in the email they sent me. 
On Tuesday XX/XX/XXXX some male called from their agency and left a message where he said yelled " son of a XXXX '' and threatened that he was documenting the call as a refusal.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES 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. 

Account Name : XXXX XXXX XXXX XXXX # XXXX -DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : CCB/ACADMY XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending certified, return receipt letters to XXXX on XX/XX/18, which they received on XX/XX/18, reporting that there were inaccuracies on my credit report that there is an account in collections with Eos Cca, account # XXXX. I requested that I would like some type of verification for the supposed debt that was bearing my signature, and I never received any type of verification of any kind. All that was sent to me was a letter saying that the supposed debt had been verified and that it was accurate according to them. Waiting over 30 days ( which is how long XXXX is allowed to verify any disputes legally ), I then sent another letter on XX/XX/18, which was received on XX/XX/18 ( again, certified with return receipt ), stating that I had still not received any type of verification of any kind, let alone any type of verification of the supposed debt that was bearing my signature, as I had requested. Upon checking my credit report, the non-verified debt is still there, causing a negative effect on my credit score, as well as public humiliation throughout my local community. Since no verification of any kind has ever been sent to me or provided by XXXX, I am seeking that this particular inaccurate assumption is removed immediately. 

Not only has no information bearing my signature ever been provided when requested, but is also Violations of the Fair Credit Reporting Act - including but not limited to Section 611, such as : -FCRA, Section 611 ( a ) ( 1 ) ( A ) -FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) Depending upon how this matter is handled, I will also be detailing any potential issues via an online public press release, including any documentation of potential small claims action.
Product: Credit reporting or other personal consumer reports

I am filing this report with the CFPB to formally dispute several unauthorized accounts listed on my credit report. I am a victim of identity theft and request that these accounts be blocked from my credit file under Section 605B of the Fair Credit Reporting Act ( FCRA ) .According to this law, you are required to block fraudulent information on a consumer 's credit report within four ( 4 ) business days after receiving appropriate documentation. My personal information was exposed in the EQUIFAX DATA BREACH. PLEASE REFER TO THE EQUIFAX DATA BREACH SETTLEMENT REFERENCE NUMBER TO VERIFY MY VICTIMIZATION specifically 15 USC 16821c-2 ( a ). I am entitled to request that my accounts be blocked and deleted due to the unauthorized access to m personal information. The breach has compromised my data and I am concerned about the identity theft and misuse of my information. Please find my details below for your reference. Full Name : XXXX XXXX XXXX Social Security XXXX : SS # XXXX Date of Birth : XXXX  Current Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Texas XXXX. I kindly request that you take immediate action to block and delete all accounts that have been compromised as a result of this data breach. Additional, please provide me with written confirmation once this has been completed. If you require any further information or documentation to process my request, please do not hesitate to contact me at the phone number or email address listed above. Thank you for your prompt attention to this matter. I look forward to your swift response.
Product: Checking or savings account

On XX/XX/year> my primary checking account was frozen and placed on restricted access. I placed XXXX phone calls to the support line that told me that they couldnt do anything and that the security fraud team was going to review it and that I just have to wait. I called again in the morning and was told that there was nothing I could do and that I just had to wait. I asked to speak to the supervisor but was told that there was no supervisor and that she was the last line of support I could speak to. I asked to speak directly to the security fraud team but said they dont contact the public and dont have a phone number. After that I was given no more information and she hung up on me. I wasnt done talking and was hung up on. This is my primary account and I need to pay my bills and my rent. Its very frustrating and the lack of customer service is appalling.
Product: Credit reporting or other personal consumer reports

The payment history of my account is not correct. The report shows that I was delinquent for XX/XX/XXXX payment ( XX/XX/XXXX being 30 day cutoff for 30 days past due ). My car was deemed a total loss by XXXX XXXX due to accident on XX/XX/year>. ( XXXX actually happened in XXXX ) but it took till XX/XX/XXXX for total loss determination during which time I continued to pay loan even though the car was undrivable and at auto body facility. XXXX XXXX then sent letter to me ( attached ) that the loan was to be paid off directly with my loan holder ... XXXX Bank. I received a letter stating the loan was entirely paid off on XX/XX/XXXX. 8 days before a 30 day delinquency which I was monitoring very carefully to avoid any late payments. Due to an error by my insurance company however they never notified me that XXXX rejected this payment because it was short {$92.00} ( out of {$58000.00} ). However... they did send a {$58000.00} payment. After sending me attached letter stating loan was paid off neither XXXX nor XXXX informed me it was not posted to my account and still in process. And even though my insurance company sent {$58000.00} XXXX deemed my account to be 30 days delinquent because their system did not accept the additional {$92.00} until after the XX/XX/XXXX XXXX delinquency cut off. However ... .again ... It was communicated to me that my loan was paid off and no further payment was required. I have NEVER had a delinquency on my auto loans. As you can see from my history I paid on time every time. This is an error on my insurance companies fault and Truist never communicated with me it was not paid off while they were working through the process. XXXX XXXX even got on the phone with XXXX and indicated it was not my error... but an error between XXXX and XXXX. In speaking with XXXX they agreed this delinquency was not my error and would reach out to credit bureaus to correct. However... they have now declined to help me. After escalating to management they are now taking the position it was not their error and refuse to help me any further. Prior to this issue I had a credit score of XXXX. Overnight it went to XXXX. This has severe financial consequences for myself and family thru no fault of my own. This is very harmful and I do not feel due to my insurance companies mistake and lack of communication from Truist I should be held responsible for this delinquency when I have a spotless payment record. Thanks you for you consideration.
Product: Debt collection

I ordered a XXXX jacket through the XXXX XXXX paid in full XXXX XXXX payments one for XXXX and the other was XXXX. I never received this jacket. I have disputed with XXXX and XXXX and the post office that misdelivered my package and between all three companies involved no one wants to except accountability. Post office marked my package delivered but it was to the wrong address. I went to the post office and they showed me a map to where the package was delivered and it wasnt my house. Then I was told they not responsible for misdelivered packages. No one would help after numerous disputes with the companies involved. I had no choice but to file a claim with my bank and got a charge back for non receipt of goods. I will not pay for something I never received. Its a shame that XXXX. XXXX and the post office would treat their customers like this. I dont owe XXXX anything I paid for all items ordered except the item I never received.
Product: Debt collection

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. [ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 

-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  A copy of my Identity Theft Report and proof of my identity .

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. I appreciate your prompt attention to this matter, and await your reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent letters to all 3 credit bureaus outlining inaccuracies on my credit report that needed to be removed and deleted including an account with a company called XXXX XXXX XXXX, XXXX and Experian both responded that they deleted this account because they were unable to verify this account with the creditor. XXXX failed to respond so I sent them new paperwork on XX/XX/XXXX making the request again also requesting that if they find the account valid, I request proof. XXXX did respond, however, they said that the account was verified without showing any evidence of the verification. I find it hard to believe that none of the other companies ( XXXX or Experian ) were able to verify this negative item and XXXX was different. Evidence is required by law or it must be removed. On this same date XX/XX/XXXX, I also sent new requests for corrections on data to XXXX and Experian and both companies have failed to respond to my requests for those changes and today is XX/XX/XXXX. This is unacceptable and a violation of my rights as a consumer.
Product: Mortgage

PHH Mortgage aka XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, NJ XXXX has been totally misleading, lying & derelict in their duties. I paid off my mortgage on XXXX XXXX, 2015 & to date ( 4 months later ) I have not received my paid in full documents. I have sent 2 letters & spoke with representatives on 4 different occasions without any action, callbacks, or results. They all just lied & said they would take care of it. Just awful
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX have tried through three separate mail requests to obtain a copy of my Equifax report. I did receive a free annual report from XXXX XXXX and XXXX, but need my Equifax report ASAP.
Product: Credit card

As a longtime Chase credit card customer ( over a decade, all balances paid in advance of bill with a credit score of XXXX ), I recently applied for a Chase-sponsored XXXX XXXX card and was denied even though I currently only have XXXX other Chase card. The reason I was given -- " Too many credit cards opened in the last 2 years '' -- evidently reflects Chase 's newly enacted " XX/XX/XXXX '' policy of which applying consumers are not informed before the application/inquiry process. These are unfair and deceptive advertising practices. The policy unjustly limits the consumer freedom of those responsible individuals who open multiple credit cards per year for perfectly legitimate reasons. Should responsible consumers be punished for not buying into corporate debt and credit slavery?
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a XXXX credit credit card fraudulently opened in my name XXXX XXXX due to identity theft and they charged up {$3700.00} and have tried several times to have this removed from my credit report with all three major reporting agencies as well with the merchant. They refuse to remove this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is lying to the cfpb and preventing a XXXX veteran from putting a roof over his head. XXXX  discriminates against XXXX people, XXXX people and veterans and lies through their teeth, and violating federal law under FCRA. XXXX  did NOT investigate my complaints and remove XXXX XXXX XXXX ( AND XXXX AND XXXX ) from my credit report. XXXX  lies and people like me suffer and are affected. XXXX is an illegal fraudulent debt, and it WILL be removed from my credit report or I will sue XXXX  and its board members for malfeasance. XXXX  also illegally refused me getting my online credit report for SIX months illegally while making excuses that it was under investigation- I COULD NOT access even my free annual credit report at any time. XXXX  is a bunch of lairs and illegal fraudulent cheats that destroy peoples lives, they will be sued very soon by me. XXXX XXXX XXXX WILL be removed from my credit report immediately, it is FRAUD and illegal and HAS BEEN REMOVED FROM my equifax and XXXX  reports. I have reported XXXX  to the CFPB, the DC attorney general, the CA attorney general, and the XXXX. XXXX  KNOWS XXXX well that this is a fraudulent debt, and they refuse to investigate and remove this item from my credit report UNDER 609 OF fcra which is illegal. XXXX  is illegally and fraudulently stating this is a legitimate debt, WHICH IT IS NOT. XXXX  ALSO IS FRAUDULANTLY REFUSING TO PROVIDE ME WITH THEOR FRAUDULANT ILLEGAL REASONS FOR XXXX XXXX XXXX REMAINING ON MY CREDIT REPORT.TRANUNION DID NOT INVESTIGATE AND REMOVE XXXX XXXX XXXX FROM MY CREDIT REPORT, WHILE EQUIFAX AND XXXX  DID. DO NOT SEND THIS COMPLAINT TO COOLINS ASET MANAGEMENT, XXXX WILL REMOVE OIT FROM Y CREDIT REPORT IMMEDIATELY!! XXXX  AND ITS PRESIDENT AND BAORD ARE LIARS AND CHEATS AND DISCRIMNATES AGAINST XXXX PEOPLE, XXXX VETERANS, AND XXXX PEOPLE, ILLEGALLY. These have been in reinvestigation for three months, I need this to be closed out and taken off an to let me know the results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to you guys about some things on my credit that I know nothing about. There are still two things and a lot of inquiries on there that are not mine. Would you all please remove them from my credit so I can help my mom. XXXX XXXX XXXX and some account that don't even have a name but the account # XXXX. I have reached out to the FTC and to my local police department. I am doing this on my own behalf. Here are the inquiries that need to be taken off as well 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