23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my updated personal credit report and I noticed unauthorized inquiries still remain on my personal credit report I contacted these companies and asked them to remove their inquiries from my credit profile. Below are list of unauthorized 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit inquiries can be made by any legitimate business for any legitimate reason (??? way too open ended ) without prior approval or disclosure of purpose & /or credit impact to a credit holder. This opens the door for the credit holder to have their credit profile negatively affected for years, as it leaves the possible unknowing credit holder to seek out inquiries from the Credit Bureau ( s ) who then leave it up to you to dispute with the business who made the inquiry, who may or may not remove from a credit profile, which would then be reflected for three years on a credit profile. 

This is a problem as it poses the possibility to negatively impact credit profile for years and may result in restricting access to jobs, insurance, autos, housing etc.
Product: Debt collection

I received 3 return packets from XXXX. I opened one ans saw they were phone return packets. 

I found XXXX 's fraud reporting phone number and tried to contact them, but only recieved automated messages. ( XX/XX/XXXX ) I went to XXXX store at XXXX XXXX, XXXX XXXX and tol ; d them of this fraudulent activity and asked to check the name as spelt on the nvelope " XXXX XXXX '', note not same as my name. They could not find anything, and said they could take any fraud discovery or fraud report information. ( Saturday XX/XX/XXXX ) So I mailed back these packets with notes on Fraud activity. 

I checked the Fraud website on XXXX, and noticed it was too complicated, and asking me to reveal lots of personal information. While in the meantime I am not able to reach any human at XXXX. 
The web reports on Fraudulent department at XXXX were also bad. 

On XX/XX/XXXX I receive a call from collections ( IC Systems : XXXX ). I told them the story and asked them to record all the actions I had taken on this and why I had not received any response from XXXX, nor did anyone try to reach me. 

The IC Sytems instead treatened me that if I dont fill up XXXX  's farudulent report on the website, I will be in trouble. 

At which IO got angry, since I recollected that his website asked for too much information. And there was no way to reach nay human and talk on this issue at XXXX. Their web reviews were also extremely bad.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX : {$15000.00} XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$870.00} XXXX XXXX XXXX Balance : {$910.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$430.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX Balance : {$690.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$560.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit card

I am reaching out to you regarding the compromise of my social security number, as I have fallen victim to Identity Theft. I have already taken the necessary steps to address this issue, including filing a complaint with the Federal Trade Commission ( complaint # attached ). 
I kindly request that you block and remove all information related to this incident from my credit report and provide me with an updated copy of the report. The items listed below do not belong to me and are a result of unauthorized fraud XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

On XXXX XXXX I submitted the claim listed above to have an incorrect collection account removed from my credit file. I received a response on XXXX/XXXX/15 saying the creditor/collection agency had verified the account was mine. The account was being reported XXXX, I contacted XXXX companies on XXXX/XXXX/15 and was told XXXX that they did not report anything against me using my social security number. The account reported was for my father who has a different date of birth, they did not use my social security number or his to report the account and that I should contact Equifax to have it removed since they were the credit reporting agency. XXXX had not reported anything using my information so they could not remove it. When I called equifax again, I was told by a representative that I had to contact the collection agency so they can remove it from my report. When I asked why A collection agency was going to change my file with them when they had told me they could not they said they didnt know but that equifax was not able to change credit files even though thats what they do. I have gone through Equifax 's process of disputing incorrect information and I have not been able to remove this from my file. It has kept me from buying a home and has cost me money when I have applied for credit all due to their negligence and willful non-compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted complaint through this platform once already and gotten no resolution from both the creditor and the credit bureau. The account by Goldman Sachs on my credit report is an account that was opened fraudulently and now I am a victim of identity theft. I have tried tried to fix this with both the creditor and the credit bureau. While both companies have made no effort to resolve this I am having to submit other complaint. I received information from the creditor that the proof that they have that this account belongs to me is based on a phone number that it is not mine, an email address that is not mine and an IP Address that is not mine. I have have sent both the creditor and credit bureau supporting documents showing that this account doesn't belong to me. I have sent a copy of my phone bill which has a different number than this creditor has on file. I have sent a copy of my email address information which has a different address than what the creditor has on file and contract that shows i've had this email address for over 15 years. I have sent a copy of my IP Address from both my cell phone and personal computer and this shows a different IP Address than the creditor has on file. I have also filed a police report and identity theft report with the FTC in addition to all of the other documents that I have sent. I find this outrageous and completely illegal because all of this evidence that I have provided clearly shows that this account doesn ; t belong to me and that someone stole my identity in order to defraud this creditor. Neither the creditor nor the credit bureau are following the law and are totally violating the Fair Credit Reporting. My next step since I am running out of options is having to file a lawsuit against both the creditor and the credit bureau. This is affecting my credit negatively and I am trying to purchase a new vehicle and so this is absolutely affecting my life and it needs to be resolved immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've never even been contacted by this people in the past. I have no idea who they are and never did any business with them ... Please delete this account and tell the company to be more careful on how they handle their reporting XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Credit card

On XX/XX/year> i did not make my minimum payment to care credit and was charged a late fee. I requested to have the late fee forgiven and was approved and instructed it would be reflected in my next statement. I followed up with Care Credit online chat to make sure that I was not needing to pay the waived late fee for that month. They said yes. I asked I do not need to pay this and then have it refunded they confirmed. 

By XX/XX/year> I had paid my minimum minus the waived late fee because that is what I was instructed to do. When my next statement came out I was charged another late fee. I called Care Credit customer service to find out what happened. I was then instructed that the late fee forgiveness applies to the principal balance not the minimum payment. I contacted customer service again to address the fact that their employee was responsible for that portion of the bill not being paid and to see if they would do the right thing and waive the fee again. They said that because I had the previous months fee waived I couldn't again have it waived. I pushed further and stated so because your employee told me false information I am being penalized. The agent stated that maybe the employee was misinformed, again causing me to be penalized. 

I have now talked to 3 representatives about this issue and have been told the same thing each time- there's nothing we can do.
Product: Debt collection

I had a lease with XXXX XXXX XXXX in XXXX XXXX, FL. After months and months of complaining, the office manager XXXX XXXX told me in person I could break my lease with a 15-day notice and no penalties. I also have this via email. She has now backed out of it. I gave my 15-day notice, and she has sent me to a collections agency, NCC Business Systems. NCC is stating that the office manager was not allowed to tell me that I could break my lease. They're stating that I needed to go to XXXX XXXX XXXX. This is inaccurate information, and nobody is helping me, even though this is in writing. XXXX XXXX has been with this apartment complex for many years, and she knows what she does and doesn't have permission to do. And if that is the case, it is between XXXX XXXX XXXX and XXXX XXXX. 

I made this decision to move forward because of her email and her promise to me. I can not pay the {$3000.00} they are trying to collect from me. And they are also threatening to damage my credit over this. 

I have several emails and complaints about this property that were never handled. Please reach out to me if you would like more information.
Product: Debt collection

I am filing a complaint regarding the actions of Phillips & Cohen Associates LTD, who is attempting to collect a debt on behalf of XXXXXXXX XXXX. Specifically, the Debt Collector has failed to provide proper validation of the debt as required by law under *15 U.S.C. 1692g*, and has forwarded the debt to the Credit Reporting Agencies ( CRAs ), impacting my credit report without validating the debt.

Failure to Provide Validation of Debt ( 15 U.S.C. 1692g ) * On XXXXXXXX XXXX XXXX I received an email from Phillips & Cohen Associates LTD regarding an alleged debt owed to XXXX XXXX XXXX However, the Debt Collector did not provide me with the required written validation notice within the five-day period mandated by law under **15 U.S.C. 1692g ( a ) *. This notice should have included : - The amount of the debt, - The name of the original creditor, - A statement that I have the right to dispute the debt within 30 days of receiving the notice. 

To date, I have not received any communication from Phillips & Cohen Associates LTD that satisfies this requirement.

Request for Removal from Credit Reporting Agencies ( 15 U.S.C. 1681c, 15 U.S.C. 1681s-2 ) * As the debt has not been properly validated in accordance with *15 U.S.C. 1692g, and since Phillips & Cohen Associates LTD has forwarded this debt to the Credit Reporting Agencies, I request the immediate removal of the XXXX XXXX account from all CRAs to ensure my credit report is accurate and compliant with the Fair Credit Reporting Act ( FCRA ), specifically **15 U.S.C. 1681c* and *15 U.S.C. 1681s-2*. These provisions mandate that credit reporting be accurate and that creditors or debt collectors must report only information that is verified and correct. 

The failure to provide validation of the debt, coupled with the reporting of an unverified debt to the CRAs, constitutes a violation of my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been going back and forth for the last 4-6 months to try to resolve some adverse items on my credit report which listed with multiple inaccuracies. I've attempted to contact both the major credit bureaus and original creditors. These are total violations of FCRA and FDCPA. I demand under the provisions of FRCA and FDCPA that these items being investigated, validated and ultimately correct/updated or DELETED from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report. I noticed unauthorized inquires on my report from several creditors. I contacted the creditors and was told to contact the credit bureaus to dispute and remove inquiries. The credit bureaus then told me the creditor can only remove it with a written statement. I then contacted the creditors and was told they do not send written statements to the credit bureaus to remove the inquiries
Product: Debt collection

Notified by XXXX that a derogatory mark had been added by Nationwide Recovery system for the amount of {$1100.00}. Nationwide stated the original creditor was XXXX XXXX XXXX XXXX. I contacted XXXX XXXX XXXX and they have no record or me ever in their system or for their affiliated services. I then contacted XXXX XXXX XXXX in XXXX GA, the only hospital I have ever been to and they have no record of me owing anything to them or their radiology or physicians department. I then called Nationwide to tell them of my findings and they stated the only resolution was for me to file a police report that they would not do anything to further help get this off my credit. I was never contacted by nationwide by phone or by mail.
Product: Debt collection

A medical bill was sold to a collections agency and they are charging over 45 % interest for one month on their first bill to me. 

My original bill was from an emergency room visit for my son who was in an ATV collision on XX/XX/XXXX. Payments were made monthly of what I could afford. The debt was sold to Credit Collections Bureau on XX/XX/XXXX. The bill I received from the Credit Collections Bureau stated that I had a balance principal of {$1200.00} and an interest charge of {$570.00} for the one month that they had the debt. My mother, spoke to the collections agency and offered to pay the bill of {$1200.00} and {$19.00} interest at 18 % of the principal for one month. They refused the offer.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am submitting this dispute in accordance with the Fair Credit Reporting Act ( FCRA ) to formally request the removal of several accounts that have been fraudulently reported under my credit profile. My identity and personal information were compromised, leading to the unauthorized opening and reporting of the accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX These accounts were neither opened nor authorized by me, and their reporting constitutes a violation of my rights under the FCRA, specifically : 15 U.S.C. 1681 Section 602 ( a ) Ensuring my right to privacy and protection from inaccurate credit reporting. 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) Prohibiting consumer reporting agencies from furnishing accounts without my explicit written consent. I have attached supporting documentation for your review, including a personal statement regarding my XXXX  situation and any other relevant records to assist with the verification and removal process. I kindly request your prompt investigation and removal of these accounts from my credit profile to restore its accuracy. Thank you for your attention to this matter. Should you require additional information or documentation, please do not hesitate to contact me.
Product: Mortgage

Our mortgage company, Mr. Cooper, has doubled our escrow, thus causing a {$200.00} increase in our mortgage payment. 

They want over {$6000.00} in our escrow account, when our insurance is {$2200.00} and our taxes are about {$1100.00}. 

They can not explain to me why.
Product: Mortgage

Started a mortgage application with Total Mortgage on XX/XX/2020. At the beginning of the process I was treated as if my business wasn't welcomed by XXXX XXXX. Once I applied and sent in my documents there was no follow up and when I called to follow up it was met with push back and disengagement. Another time when I spoke with XXXX XXXX was told because I didn't do exactly what he asked me to do then he didn't feel like he could help me. I asked if XXXX XXXX could assist me since he was initially the first person that reached out to me when I first applied, and he said you can give him a call in which I did and left a message because XXXX did not answer. I followed up with XXXX about a week in a half later in which my first conversation with him I received total attitude and proceeded to talk down to me before I could even fully explain why I was calling. I am not sure why I was treated this why by this company. I simply was trying to obtain my first home and sough out their company for a potential mortgage loan. Before the end of the call on XX/XX/XXXX, XXXX advised he would be re pulling my credit at my request. Then on Monday XX/XX/XXXX I received an email from XXXX saying that there are multiple layered risks and they do not feel comfortable taking my file on given the current financial climate. 

I was never asked any questions about my file, I provided every single document along with proof and account sign ins, my id and social, and more ; during this process I paid off 3 items that were hurting my credit ( which XXXX appeared to be displeased with me doing ). I was denied further service based on opinion and not facts. I also believe race played a role in that has well. By law if I am denied a loan based on my credit, finances, or any other factors I should be told exactly why I was denied and I wasn't.
Product: Credit reporting or other personal consumer reports

its under bankruptcy i paid off 3 yrs ago they keep changing the status the debt adding amount or reporting the debt late they are using old debt to lower my score verifying old debt like XXXX XXXX they are doing it with several of my bankruptcy accounts ive had to sue two venders I'm asking you to take notice to all three credit bureau doing this when i dispute it they are reporting items in my bankruptcy account late payment or they will put amount or code for creditors or lenders to see. i sent each bearu 8 pages of disputes to all three .they XXXX reported XXXX 30 days ago as write off i ask them for 1099C Schedule the debt disappeared from my credit now it with another company with a different amount XXXX this all happened in the middle of dispute XXXX XXXX 2024. XXXX Experian and XXXX. I'm asking you to investigate why they are assisting the companies to put false amounts on my report and i have ask for documents when i catch them in a lie them they are aloud to change the lie and creditor amount and not give me a response that ask for creating false reports and writing debt off to IRS and selling it to collections agencies and the credit bureau know exactly what i asking for and they are assisting them. defrauding the Govenment!!!!
Product: Credit reporting or other personal consumer reports

This happened back in XX/XX/year>, when PayPal for some reason decided to use one of my debit card that I do not have money put in and charge one of my XXXX purchase instead of using my new credit card that I put in and selected. Now, I figured out later that PayPal has an option to change what card you can use on XXXX but the application on XXXX did not let you change as of right now on XX/XX/year>. Now, I did not realize it would be charged to my debit card, until 2 days later when I got a notification on XXXX that my credit score has been dropped by XXXX points, to which I noticed my PayPal sent me a message saying they could not use my card to charge, and multiple charge point has been attempted. My two questions are, how does a company this big does not allow you to switch to a different card or automatically charge to another card, and for your information, was caught in the XXXX cashback scamming, which not only steals personal datas, but also misuse funds from creators to steal their commissions. Number two, why can I not change my payment option if my current one was declined? It is not difficult to do it, and there's zero security reason I can not change my card. Not to mention, PayPal randomly decided to ban my account for " suspicious financial activity '' on my account when I have an XXXX credit card, my checking account, and my debit card. I am expressing my frustration and hope the CFPB can help resolving my issue along with contacting the right department to get an investigation against the developers at PayPal who thought an app that would not let you change the payment, only on the website would be a good idea to ship out to consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agencies are reporting inaccurate and unsubstantiated information on my credit report. They are reporting a bankruptcy which is inaccurate and unsubstantiated. I would like to know who provided any information of a bankruptcy. I have a letter from the bankruptcy court stating that they do not provide any information to any credit reporting agency regarding bankruptcies. I demand that XXXX, XXXX, Equifax and XXXX XXXX provide the name, date and contact information of the individual who was spoken to and if they don't provide this information, they must remove this information from my report. This is a clear violation of 15 USC 1692 and 15 USC 1681.