23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was contacted and threatened legal action for a charge off account. The balance was below {$500.00}. My neighbor also called and questioned. Communication threats and disturbances
Product: Credit reporting, credit repair services, or other personal consumer reports

After looking over my XXXX credit report. I saw a XXXX Date : XX/XX/2020 from COMENITYCAPITALXXXX that has not been authorized by me. This is fraud.
Product: Credit card or prepaid card

I have no idea why Chase keep on rejecting my credit card applications for no good reasons. I have a credit score of XXXX and never been a single late payment. I had this offer for XXXX XXXX credit card with {$70.00} cash back via gift card. I Applied but rejected by Chase. 
Reached out to Chase multiple times - calls are getting dropped. they sent some online letter but i have no idea how to access it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained a copy of my consumer report and noticed a company Lexis Nexis has violated and infringed upon my consumer privacy rights, according to 15 USC 1681 ( a ) ( 4 ). 15 USC 1681 ( a ) ( 4 ) states that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy. Lexis Nexis did not have permissible purpose nor written instruction to obtain my consumer report per 15 USC 1681 ( b ), per 15 USC 1681 ( b ) ( a ) ( 2 ) in accordance with the written instructions of the consumer to whom it relates. This is also a terrorism offence, per 18 USC 1028 ( A ) ( 2 ), my consumer identification was used unlawfully and without consent to obtain information from XXXX  which is a violation of my federally protected consumer rights, lastly I have reached out to the courthouse and they notified me that they do not share personal information with 3rd parties such as Lexis Nexis.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I submitted a dispute letter to you recently and received a response that is nothing more than a stall tactic. The error on my credit report that was addressed is inaccurate and your refusal to comply with my dispute request is not acceptable. Let me inform you that I contacted the bank and they agreed to correct the misleading information from my file. But Transunion has some internal block which they're claiming they can use to not correct the account because they feel they're above the law. I asked them why they were not accepting the dispute letters and complaints and they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why. Please correct this account as per FCRA laws : XXXX XXXX BANK XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/2023 request for the inquiries to be deleted XXXX XXXX XX/XX/2023 request inquiries to be removed XXXX XXXX XXXX XXXX  XX/XX/2023 request inquiries to be removed XXXX XXXX XX/XX/2023 request inquiries to be removed XXXX XX/XX/2023 requesting that all these inquiries be removed Was any personal information wrong in your credit report?

When you apply for credit, the lender places an inquiry in your file. Inquiries are listed near the end of your credit report. If you see any inquiries that you didnt initiate, please list them here : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Have you contacted your local police department? 

Have you requested a fraud alert from XXXX of the XXXX national bureaus ( Equifax, XXXX, XXXX )? 
No Was your personal information exposed in a data breach? If so, you might have access to free insurance or repair services.

No I have received data breach notices from the following companies : Has a debt collector contacted you about an account that isn't yours?

No Were there any fraudulent accounts included in your credit report?

No Update Comments about your situation Personal Statement : I'm requesting that the inquiries be removed from my credit report, XXXX XXXX XXXX, XXXX XXXX Update
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, XXXX Consumer Financial Protection Bureau ( CFPB XXXX XXXX XXXX XXXX XXXX, DC XXXX Subject : Formal XXXX for Removal of Unauthorized Inquiries Violation of FCRA and Reference to Equifax XXXX Breach Settlement Dear Consumer Financial Protection Bureau XXXX I am writing to formally request the immediate removal of unauthorized inquiries from my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b. Upon reviewing my credit report, I have identified multiple unauthorized inquiries that I did not initiate, which constitute a violation of my consumer rights.

According to the FCRA, only inquiries that have been authorized by the consumer or made for permissible purposes may be reported. The presence of these unauthorized inquiries indicates a failure on the part of the credit reporting agency to properly verify and protect my personal information. Additionally, in light of the Equifax data breach settlement, which exposed sensitive consumer data and resulted in unauthorized access to personal information, I have reasonable cause to believe that my information may have been compromised and used for unauthorized purposes.

Under the FCRA, I formally demand the following : Immediate removal of all unauthorized inquiries from my credit report.

A detailed investigation and response within 30 days as required by 15 U.S.C. 1681i.

Provision of documentation or proof of my authorization for each disputed inquiry. If no verifiable proof can be provided, the inquiries must be removed.

Failure to comply with this request may result in legal action against the responsible parties, including but not limited to, filing a lawsuit for non-compliance and damages under the FCRA. 

Please provide written confirmation of the removal of these inquiries and the results of your investigation at your earliest convenience. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

On or about XX/XX/10 we found a charge on our credit card that we did not place. 

Upon contacting Citi card, they first alleged that we would have to lie and report the card stolen to get the charge removed. We handed that over to the AG in their state. 

Then Citi group closed and canceled the card and reissued a new card and account number. They stated ( in chat ) that the charge would be removed in 3 to 10 days as they investigated.

Thus far we have had 3 interactions with Citi card and they will not remove the charge. 

In our opinion, Citi group is in coherts with the company ( whomever they are ) that placed the charge. Now Citi group is  charging interest on a charge we never made. 

Cit group has also refused to close the account. 

The original card number the charge was issued on and account has been closed when the new card issued ended in XXXX.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was struggling to make payments on several accounts with different companies. Without warning Capital One closed one of my accounts. They never called me or sent me to collections. The Capital One Account ended up dropping off my credit report. I had completely forgot about it and then a couple weeks ago I got served a summons from them. They are suing me...
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, I believe we need to eliminate any erroneous accounts from my credit report. Can you review the documents? Several accounts listed have inaccuracies in the reporting, amounts, and dates.
Product: Mortgage

XX/XX/2020, XXXX XXXX with LakeView Loan XXXX, who our mortgage is currently with along with " LoanCare '', offered a VA loan refinance. We quickly completed the process and a new payment was settled on with a closing set for XX/XX/2020. XXXX XXXX also advised in multiple recorded phone calls on XX/XX/2020 and XX/XX/2020 that we would not have to pay the XXXX Payment and it would be included in the closing that would occur in XX/XX/2020. On XX/XX/XXXX, XXXX XXXX advised that there was a lien with the county on the home unbeknownst to myself. I asked if the deal was dead. XXXX XXXX related that if the lien was immediately paid, proof would only have to be received by XX/XX/2020 and a XX/XX/2020 closing would still be fine. My wife and I dipped into savings and paid off the judgement, overnight a check that day. The lien was released and proof was received the first week of XXXX by Lakeview Loan XXXX. ( I have email proof of this ) I have an email from XXXX XXXX that says if proof of the lien being removed was received in XXXX, the XXXX closing would be fine. In fact XXXX XXXX stated this happens all the time on a phone call. Between XX/XX/2020, when they received proof the lien was cleared, to XX/XX/2020, I received several emails asking for random documentation over and over from 2 different underwriting companies, XXXX and XXXX XXXX XXXX. Sometimes they asked for the same documentation twice..proof of insurance..etc.. But I trusted the process was still fine for a XX/XX/2020 closing. XXXX XXXX said nothing to the contrary..AT ALL. On XX/XX/2020, XXXX XXXX emailed me and said oh by the way, your late on mortgage for XXXX, the VA refinancing is now denied for being late. I WAS FURIOUS. I did everything I was asked to do and XXXX XXXX said we did not have to make the XXXX payment. NOT only that, unbeknownst to me AGAIN, XXXX slyly changed the closing to XX/XX/2020. I had no idea this even occurred. XXXX XXXX then bold faced lied in an email that he never said not make the XXXX payment. This is a lie and the recorded phone calls prove it. His manager, XXXX XXXX then got involved at my request but did absolutely nothing. XXXX XXXX stood the company line and said sorry, cant do refinance now but maybe try again in 6 months after 6 on time payments. I am furious and if I had the money for a lawyer I would sue the pants off this department for lying to a customer and then not fixing the situation due to their vast incompetence. I have all emails and documentation to prove everything within my complaint.
Product: Credit reporting or other personal consumer reports

This is my 15th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX Original creditor XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired XXXX XXXX XXXX, XXXX
Product: Debt collection

Chrysler Capital (acct# XXXX) $XXXX
XXXX XXXX XXXX XXXX XXXX TX 76161

Contacted via email and phone calls multiple times.
Product: Mortgage

Ive received a property tax exemption for my home mortgage due to being a XXXX  % XXXX XXXX, after submitting my updated information multiple times to PHH mortgage, XXXX XXXX XXXX XXXX XXXX nj, multiple phone calls which get disconnected or transferred out to call centers as well as the operators hanging up, lacking proper information about my account, and unable to assist me, as well as a reimbursement check from The previous end of year quarter never received. 
This company has over 430 one star negative reviews, and yet continue to operate.
Product: Credit reporting, credit repair services, or other personal consumer reports

AFT

ER REVIEWING MY CREDIT REPORT, I CAME ACROSS SOME ACCOUNTS AND INQUIRIES REPORTING ON MY CREDIT FILE WITHOUT BEING AUTHORIZED BY ME. THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND I HAVE ABSOLUTELY NO KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. I AM ASKING THAT YOU PLEASE REMOVE AND DELETE THE ACCOUNTS AND INQUIRIES OFF MY CREDIT FILE AS SOON AS POSSIBLE.
Product: Debt collection

This company is continuing to make hard and soft inquiries on my credit accounts and stalking me for years. I have never had an account that I signed authorizing a relationship with this company. I do not have any documentation with my signature or my authorization to initiate a relationship with this company, any and all information that Portfolio recovery has about me is a result of identity theft and the accounts they purchased from creditors were not authorized by me and was a result of identity theft and I have reached out to Portfolio company and requested that they no longer contact me or access my active account or my credit bureau accounts ; however, they are continuing to access the credit bureaus on a monthly basis
Product: Vehicle loan or lease

At the end of 2018 I got into an accident and it was deemed a total loss. prior to the checks being sent over to the finance company from the insurance company I fail to receive a copy of the payoff balance sheet for the total payoff amount. Because the contract was only in duration for six months the total pay off the balance should not have included the entire finance charge for the duration of the entire contract and should have. At a much lower balance than what was stated to the insurance company. I have called numerous times always to be placed on hold for extended periods of time only to be not held that the end. I have written a letter to your place of business requesting copies of every single document that they have in their files in regards to my account and I received nothing as a response to but an e-mail requesting that I could sign in online to view my account history but when I do so the history in after dating question and not for the entire duration of the contract. And to add to that what they did instead was inputted into their computer system that I now have a balance of {$1300.00} because I was asking them to return to me any excess monies paid to them after satisfying my account balance. because by law it is rightfully mine and should have been returned to me as soon as the payments were made. not only did they not supply me with any of my paperwork to document any of the details and how the appropriated any of the refund money but I also never received the title for the vehicle in which the entire loan payment was made for. As well as they have now somehow added a {$1400.00} charge to my account but have no documentation explaining why or how that number was reached or why they feel entitled to such an amount. It is also incurring interest as if I was still under contract with them which is false because the terms of the contract were met and the account was closed and that was explained to me in one of the phone calls that I made to them. they should not be allowed to charge me for attempted charge me any money without them furnishing up and supplying the paperwork necessary to substantiate such claims. They also negatively impacted by credit score for months after the accident stating that I was past due on payments when in fact they had already received payment the loan. So all around this company is doing awful business they are not meeting terms that they should be and are not supplying any paperwork as to their conduct on that side of the contract. I have upheld my side of the contract and I believe that they should be held to theirs as well. There's a lot of unscrupulous behavior going on within this company, and that is some evident.
Product: Credit reporting or other personal consumer reports

I did not initiate these inquiries and suspect them to be fraudulent. I request a thorough investigation and their prompt removal from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing my credit file with Transunion, XXXX  and XXXX  to correct the errors found on my credit file that they disseminate. The 3 credit reporting agencies have received my certified letters and have not corrected the inaccurate accounts listed in this complaint ... ..The 3 credit bureaus reports ; inaccurate accounts that has not been investigated, nor a notice of dispute recorded, Re-Aged accounts, inaccurate balance owed, inaccurate Date of last activity, inaccurate Past Due amount, Duplicate collection accounts, Inaccurate open collection account, inaccurate delinquent collection account, inaccurate Past Due amount recorded on a collection account. This is unlawful reporting! After a year of disputing the credit bureaus remain in non-compliance and blatantly records negatively, this is damaging to my credit score and report ... ..Moreover my open accounts Payment data history does not coincide on any accounts, TransUnion Last payment does not coincide with TransUnion payment data history, XXXX  does not report my monthly payments made in the historical payment data history on any of my accounts. This type of recording is negative and damaging to my credit score and report and is in violation.
Product: Credit reporting

REPORTING COMPANY REPORTING 2 LATE AUTO PAYMENTS TO XXXX! ONLY 1 AUTO PAYMENT MADE LATE!
Product: Credit reporting or other personal consumer reports

I recently discovered that a fraudulent PayPal Credit ( SYNCB/PPC ) account was opened in my name, appearing on my XXXX and XXXX credit XXXX. I did not authorize this account, which was opened on XX/XX/2024, and currently has a reported balance of {$2100.00} with a {$2200.00} credit limit. This has negatively impacted my credit utilization ( 96 % ) and my credit score. 

I have disputed the account with XXXX and XXXX and contacted Synchrony Bank but have not received a satisfactory resolution. I am also filing an identity theft report. I request the immediate removal of this fraudulent account from my credit reports and a full investigation by Synchrony Bank. I am willing to provide further documentation if needed and appreciate your assistance in resolving this matter promptly.
Product: Money transfer, virtual currency, or money service

Money was already taking from my bank account, but they say that they need kore information, I already try to submit it, but they do not give me the option to cancel or submit information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally reached out to the creditor to have them correct the inaccurate information and they advised I NEEDED to file a complaint with each credit bureau. 
Last year I filed a complaint with each of the respective credit bureau ( Experian, XXXX XXXX and XXXX   ) in XX/XX/XXXX to notify them, they were reporting inaccurate information on one of my credit accounts. I sent each credit bureau a signed and notarized document stating the inaccuracies via certified mail with tracking number XXXX. I received confirmation that each credit bureau received each dispute packet on XX/XX/XXXX. I know my rights as a consumer and after thoroughly reading the 108 pages of the Fair Credit Reporting Act, I know each credit bureau has 30 days to investigate and correct the disputed information and/or notify me with the results of their investigations within 5 days of completion. However, when I went to look at my credit reports today ( XX/XX/XXXX ) with my credit monitoring account through Identity IQ, there are no changes with the disputed account and the inaccuracy within it. I never received any results of the investigations with ANY of the three credit bureaus. I am filing a complaint with the Consumer Financial Protection Bureau to help me with this ongoing issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the fall of 2020, I needed a free credit report and went online to get one, using Experian*. After I submitted the information, the website stated that I could have it immediately, and not wait, if I agreed to sign up for a monthly service. The service could be cancelled by calling a phone number, so I decided to sign up. 

A month later, I tried calling their special number -- but it was always busy. 

Then I called again -- and entered all of the required information ( e.g., SSN, birthdate, etc ) -- and it would ask, " Do you want to cancel? If so, Press XXXX ''. Then I would Press XXXX, and it would say, " We need more information to process this '' -- and take me back to the very beginning where I needed to enter SSN and birthdate. I would do all of this, and once again, it would say, " We need more information ... .. '' Because of this 'infinite loop ', you never get to cancel!!
Product: Debt collection

I am filing this complaint against UNITED COLLECTION BUREAU , INC., who is attempting to collect an ALLEGED debt from me in the State of Texas. According to Texas State law under Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. However, UNITED COLLECTION BUREAU , INC. does not have that bond on file nor the required license to collect in the State of Texas. I have attached documentation from the Texas Secretary of State confirming this. 
Also, I have attached documentation from XXXX Consumer Access report from their website that details all the state licenses and registrations that UNITED COLLECTION BUREAU , INC. is legally allowed to collect in EXCEPT the State of Texas. 
Additionally, I sent a Notice of Dispute requesting verification of this ALLEGED debt to UNITED COLLECTION BUREAU , INC. under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g on XXXX XXXX XXXX. UNITED COLLECTION BUREAU , INC. received my notice on XX/XX/2024 and it has been well over 30 days since I sent this request, and UNITED COLLECTION BUREAU , INC. has not responded to my dispute nor provided any verification to prove that I owe this ALLEGED debt as of this CFPB complaint submission. This is a DIRECT VIOLATION of 15 U.S.C. 1692g. Despite this, they have continued to report this ALLEGED debt to all credit reporting agencies further damaging my reputation.

I am requesting that the CFPB investigate this matter and take appropriate action to prevent UNITED COLLECTION BUREAU , INC. from continuing their ILLEGAL collection activities and to ensure that this unverified and unlawfully reported ALLEGED debt is removed from my credit report from ALL major credit reporting agencies. I am also requesting a deletion letter from UNITED COLLECTION BUREAU , INC. verifying the removal of this ALLEGED debt from ALL major credit reporting agencies.
Product: Credit card or prepaid card

I returned 3 items of clothing to New York & Company that were charged on the NY & Co credit card through Comenity Bank. They received the merchandise on XX/XX/21. After multiple phone calls they finally processed a refund on XX/XX/21 in the incorrect amount, shorting me {$6.00}. When I called XXXX XX/XX/21 they agreed to issue the refund within 7-10 business days. As of today, XX/XX/21 the refund has still not been issued and I will now have to pay the {$6.00} to avoid a late fee on the credit card account. A call today has not resolved this problem but has only led to more unconfirmed promises that the refund will be issued in ANOTHER 3-5 business days. I have requested this in writing but they have stated that they have no ability to send me anything in writing. In the meantime I am still owed {$6.00}.