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

I checked my credit report and see this account on my credit report as a collection account. This account is not mines and does not belong to me I dont have a house or live at any house that I would have energy services in my name this account is fraudulent and needs to be removed from my credit profile XXXX XXXX XXXX Original creditor : XXXX XXXX {$820.00} Date opened XX/XX/year>XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I just looked at my credit report and saw that I had 5 Inquries pop up on my XXXX  on XX/XX/XXXX, 1 on XX/XX/XXXX, 1 on XX/XX/XXXX, 1 on XX/XX/XXXX and 1 on XX/XX/XXXX. Then on my XXXX I see 5 Inquries on XX/XX/XXXX. I don't know where any of these inquires came from and they are affecting my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Morning, Not too long ago, I obtained a copy of my Credit report and was shocked to find a credit inquiry by from the following companies ( XXXX, experian and XXXX ) listed below and that I do not recall authorizing. I understand that you should not be allowed to put an inquiry on my file unless I have authorized it beforehand. Please have this inquiry removed from my credit file because I believe I did not authorize this inquiry. I have reached out to each company several times with certified mail, phone calls and faxes and no responses. This is hindering me daily with fixing my credit for not only for myself but to also become a homeowner in the near future. 

Under the Fair Credit Reporting Act, your action constitutes a violation on my rights, which is illegal and causing severe damage to my credit rating. 

I would appreciate your immediate attention to this matter. Kindly forward me documentation that you have had the inquiry removed. 

Otherwise, please send me proof of such authorization, if you find that I am confused, and you did have my authorization to inquire into my credit report. 


XXXX & Experian that should be removed did not authorize XXXX/XXXX Inquiry from XX/XX/XXXX & XX/XX/XXXX  XXXX/XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX that should be removed did not authorize XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX
Product: Credit card

There is 2 accounts with fraud activity on them it's a pay pal account and a pay pal mastercard, these accounts are now closed but they are reporting against my credit report as late payments but these transactions on the accounts were not authorized, I have contacted customer service and have done all I can do and I can't get a response out of pay pal to resolve this, I need them to stop reporting these accounts as I didn't make these transactions
Product: Debt collection

I am filing a complaint against XXXX, XXXX, and XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my numerous submissions, XXXX, XXXX, and XXXX respond within 24 hours stating the account is accurate. All I am asking for is the Purchase Agreement, Bill of Sale, and Sale Data File. I recently attached a copy of the XXXX XXXX document where Midland Credit Management took me to court and was later Dismissed without Prejudice. I am prepared to send a copy of the paperwork to CFPB. If you are reporting these accounts to any credit reporting agency, under the Fair Credit Reporting Act ( 15 U.S.C 1681B ), you must verify this debt to these agencies upon request.
Product: Mortgage

Our escrow has not been adjusted appropriately. We acquired our home XX/XX/XXXX. We currently have a mortgage through LOANCARE. Taxes at that time were {$3100.00} annually because the home was rented out. The taxes were paid by seller for XX/XX/XXXX as part of our closing agreement. We applied a homestead exemption immediately so we could get a tax break for XX/XX/XXXX. Taxes for XX/XX/XXXX totaled {$1600.00}, which is significantly less than XX/XX/XXXX. No adjustment was made with regard to how much money the bank is collecting for escrow account. I have requested this change via email, fax, and telephone, and have not received a response from LoanCare. Very poor customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$7300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XXXX XXXX, XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7300.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX {$260.00} XXXX XXXX  # XXXX {$3500.00} XXXX XXXX XXXX # XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX {$15000.00} XXXX XXXX  # XXXX {$75.00} XXXX XXXX # XXXX {$380.00} XXXX XXXX XXXX XXXX # XXXX {$7100.00} XXXX INQUIRES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I did not authorize these companies to obtain my personal information to get credit accounts. I have no knowledge of these companies and whom may have used my personal information to obtain these accounts.
Product: Debt collection

I was alerted that my credit score ( by XXXX ) had been reduced and went to the site to see why. I saw that I had been placed in collections- for an ambulance bill dating back to approximately XXXX. I got the information and call the agency that had placed me into collections ; it was Phoenix Financial Services contacting me in response to an ambulance bill from XXXX XXXX XXXX. I called them and asked why I was in collections. They stated that it had to do with an ambulance bill that I had incurred while living in XXXX I explained to them that any and all medical bills, from that period, were and have been paid for/covered by XXXX XXXXXXXX XXXX XXXX as I had began receiving SSI and they covered all of my medical bills. I later moved to XXXX. As I spoke with the representatives, their only concerns appeared to be 1 ) getting my current address and 2 ) arranging for some type of payment arrangement. I let them know that I had never received any communications from XXXX XXXX XXXX or anyone stating that I had an outstanding medical bill and knew nothing about the outstanding bill until the current year, XXXX. They also mentioned my old address - letting me know that the reason I had never been contacted was that, if any correspondence had been sent, it had been sent to the XXXX XXXX XXXX address. They are now focused on forcing me, an elderly & permanently XXXX woman, living on SSI, to pay for an ambulance bill that they failed to make me aware of, from over 6 years ago and that they failed to collect payment for from the responsible party - the Social Security Administration. I should not have to suffer because they failed to have a current address and contact me, years ago, about the outstanding bills ' existence.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on TransUnion for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. I have filed a police report and identity theft report ( XXXX ) and still refuse to help. 

I will be listing some dates below that I have sent out to them : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.
Product: Credit card

On XXXX XXXX, XXXX amex took my payment 2x. I have yet to receive a refund. 
New amex card, XXXX XXXX. 
XXXX XXXX, XXXX - became aware that auto pay was not setup. Made 2 payments to catch up. Spoke with Amex rep to clarify that this was a miscommunication on our part, auto-pay setup to pay on XXXX XXXX, XXXX. 
Setup Auto-pay XXXX XXXX - found autopay did not process on XXXX/XXXX/XXXX. Was required to make current payment PLUS schedule payment for next due date. 
Confirmed Auto-pay, again XXXX XXXX Scheduled payment processed PLUS autopay paid the amount due AGAIN. 
Used Amex chat to process refund of duplicate payment. They took banking info, to process electronic payment. Was told it could take until XX/XX/XXXX to process - which itself is outrageous. 
XXXX XXXX Called Amex customer support. Now told it will be refunded by XXXX XXXX. Escalated call to Supervisor - which was less than satisfying. Called back and asked to bypass Supervisor to speak with Manager. Was told a supervisor was as high as I could go by phone. 
XXXX XXXX - still no refund
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. 

I requested Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXXXXXX Account name : XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect.

According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Debt collection

On the XXXX of XXXX, I sent a cease and desist to LVNV Funding/ resurgent. I received a letter in the mail discussing the alleged debt. I did not request verification of said alleged debt. This is a violation of the FDCPA. 

XXXX XXXX XXXX XXXX XXXX XXXX violated the Gramm-Leach Bliley Act by providing my non-public information to a non-affiliated company without my consent.
Product: Debt collection

I have received threatening calls and texts from Credit Collections Solutions or ( XXXX XXXX XXXXXXXX ) stating that I owe money to a company for a service that was paid for in a monthly basis with no obligation for payment, ( CCS ) has since called which I have verbally stated that this debt is false and their tactics to collect violate my rights under the FDCP act, they then go on to say that if I refuse to pay this false debt that they will report negative information to my consumer report.
Product: Credit reporting or other personal consumer reports

This account does not belong to me. A similar account was removed recently from my credit report which seems to reappear again.
Product: Debt collection

Original debt was with XXXX, they charged off the debt but did not provide me with a XXXX. They in fact sold it to NCB management. Since XXXX charged it off they would have received a profit loss tax credit without benefit of the XXXX to me. I have not been able to obtain the form from them and feel that they are being fraudulent. NCB is stating that the account was opened in XX/XX/year> when in fact XXXX charged off the debt five years ago. Since they wrote off the account, I no longer owe it per the above. 
Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked at my XXXX credit report and noticed many accounts and other items that don't relate to anything I've done.
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity Bank has failed numerous times to correct and update the CURRENT STATUS OF THESE PAID AND CLOSED ACCOUNTS. They continued to balance accounts that were settled and paid. These accounts are still reporting a current status as either in collection or delinquent. The CURRENT STATUS should report as paid as agreed and closed. Comenity bank has inserted a debt that was already paid. These accounts are still reported each month as a current charge-off. This continues to severely affect my credit. THE AFFECTED ACCOUNTS ARE BELOW : Comenity Bank/Victoria Secret- Acct XXXX - XXXX Comenity BankXXXX XXXX- Acct XXXX XXXX XXXX Comenity BankXXXX- Acct # - XXXX Comenity Bank/JCREW-Acct #  - XXXX Comenity Bank/ NY & CO.- Acct XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I paid off in full an alleged debt. The originating lender was XXXX XXXX. Depending on which credit bureau you look at, XXXX XXXX reported the alleged debt as a charge off in XXXX, XXXX, and XXXX, depending on the bureau. 

XXXX XXXX sold the alleged delinquent debt account to XXXX XXXX XXXX. 

In XX/XX/XXXX, I paid XXXX XXXX XXXX for the full amount that I allegedly owed : {$16000.00}. Both XXXX XXXX and XXXX XXXX XXXX assured me that they would update my credit report with the 3 bureaus to indicate my account was no longer delinquent. 

XXXX XXXX did not update the entry despite my providing written proof of payment and chain of custody. Furthermore, XXXX XXXX XXXX refuses to update XXXX XXXX with this information or forward them the letter proving that I paid off the account in full. 

I hereby demand that the account entry either be deleted from my credit reports entirely, or at a minimum, that you accurately report that the account is no longer listed as currently delinquent. Additionally, I demand an accurate reporting of chain of custody of the account and accurate charge off dates. You cant charge off the same alleged debt 3 times.
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit file and found info that can't be verified and info that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are a result of Identity theft and Trafficking! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Student loan

FED LOAN SERVICING. They will not remove the duplicate loans from my credit report. 

Having duplicate student loans on your credit report can seriously mess up your finances. This error makes it appear to credit bureaus and lenders that you have more debt.
Product: Debt collection

ON XX/XX/2021 I SENT SOUTHWEST CREDIT A LETTER OF VALIDATION FOR A DEBT OWED. I SPECIFICALLY ASKED THIS COMPANY TO PLEASE SEND ME A CONTRACT BETWEEN MYSELF AND THEM AS A CONSUMER. I ALSO THEM FOR THE FOLLOWING What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable : Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service : THIS COMPANY PROCEEDED TO SEND ME A COPY OF A BILLING STATEMENT. A BILLING STATEMENT IS NOT A FORM OF VALIDATION NOR IS IT A BINDING CONTRACT.
Product: Debt collection

I moved out a unit with XXXX XXXX  on XX/XX/XXXX which it states on my lease. The collection agency calling me about a debt they claim I owe with this apartment complex for the month of XX/XX/XXXX and for the half of XX/XX/XXXX. The people from this collection agency ( Hunt war ) continuously trying to get me to pay a debt after showing proof it wasnt mind on many different occasions. XX/XX/XXXX a guy called me again to rant on about the debt Ive told him wasnt mine, to than bring up my employer and ask if I still work for them, using my job to black mail me to pay a fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, Tx XXXX Last 4 of SS # XXXX Conns Credit Department XXXX. XXXX XXXX XXXX, Tx XXXX Dear Conns : This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : Conns Credit Corp Made on : XXXX XXXX Made with : XXXX  To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 
If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. 
Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I have a checking account in Usaa Federal Savings bank. Someone is attempting defraud me by submitting a W9 form which doesnt allow me to access my checking account information using the USAA mobile app. It stops me from seeing my checking account on the mobile act. The USAA isnt a law enforcement agency. It is blocking me from access to my account. I have contacted them and notified them they are denying my access. They wont provide me information. They should be held liable for their actions acting in a manor contrary to the law. I would like copies of who submitted such a request and what funds they are inquiring about. Someone is attempting fraud upon me. USAA is acting as an agent and should be held capable. They have recorded audio calls where I have verified my identity and they recognize me as XXXX XXXX XXXX. I have a right to due process yet they continue with this illegal and unlawful behavior!
Product: Checking or savings account

On XX/XX/2022 I attempted to open an online account with XXXX XXXX, as they advertised a 0.6 % interest rate. 

I received a " Thank You for Applying We need more time to process your application. 
We will reach out to you within XXXX - XXXX business days with further information. '' message. 

I have not heard back from American Express, so I phoned them at XXXX and spoke with XXXX on XX/XX/XXXX. I asked her to find out the reason for the delay, as I had an American Express bank account previously without any delay, and also had an American Express credit card. She hung up on me.
Product: Mortgage

Their website is broken and they are not responding to requests to fix it. 

The company has a misconfigured website and I am unable to pay online. Their DNS configuration is wrong and needs to be fixed. I have emailed them several times about this and have had no response. You can see other complaints online about their broken website and it is still not fixed.
Product: Credit card

Elan Financial Services had a customer service representative tell me on XX/XX/year> that the company has a one day grace period when it comes to late fees being assessed. I had called due to my payment being late and to see what options I had since I submitted my payment only one day after the due date that month. She told me the company actually does have a grace period of one day and if I make my payment before the statement closing date, any late fees showing on my account will be removed. Essentially my payment is due the XXXX but if I make it on the XXXX, the fee would be removed by the statement closing date of the XXXX. She told me for the month of XXXX however, that wasnt the case being my payment was made on a Saturday and didnt process until Monday, making it more than the XXXX day late. So she put me through to a supervisor and waived that late fee. I called this month to confirm that information she told me after a late fee was assessed to my account because I made my payment XXXX hours after the cutoff time of XXXX XXXX  on the XXXX. They said I was provided mis-information, and theres nothing they can do about the fact their employee gave me incorrect information when it comes to fees and being charged.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has reappeared on my personal credit report and is reporting as late from XX/XX/XXXX to XX/XX/XXXX. This information is currently incorrect. This account for Carolina Finance was part of a Bankruptcy in XXXX, in which the Bankruptcy terms were agreed. Also, the Creditor, Carolina Finance took possession of the vehicle, before being included in the Bankruptcy and the vehicle was sold at auction resulting in full payment of the loan balance. 
I received a Deficiency Letter from Carolina Finance in XXXX stating the sell of the vehicle. This was all added in the bankruptcy. According to the FDCPA, Carolina Finance is in violation of the law, by reporting fraudulent and inaccurate information to the Bureaus. 
In XX/XX/XXXX, I contacted Carolina Finance at XXXX and spoke with XXXX, who advised me there is nothing they could do and I would have to contact the Bureau reporting the information. I asked if he could mail me out a copy of the original loan and the bankruptcy notice and he stated he is not the one to do so. On XX/XX/XXXX, I contacted Carolina Finance once again and asked how could we resolve this issue. I spoke with a XXXX or XXXX who would not give last name and he told me to fight with the Bureau. 
This account begins reporting as late in XX/XX/XXXX. I did not have possession of this vehicle or owed any amounts as of that day.