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

I am writing to formally request the removal of unauthorized or unnecessary credit card inquiries from my credit report. Below, I have outlined the details of the inquiries in question : XXXXXXXX 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 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 XXXXXXXX XXXX ; Inquiry Date : XX/XX/XXXX I understand that only hard inquiries made without my consent are eligible for removal. To that end, I affirm that I did not authorize the above-mentioned inquiries and request that they be investigated and removed from my credit report.
Product: Debt collection

Contacted company to inform them I do not owe a debt to them on or around XX/XX/XXXX. I was told debt is with an attorney and needed to speak with XXXX. I then was redirected to someones voicemail who I then left a message for. I did not hear back from them. I sent a dispute with XXXX  on it around XX/XX/XXXX. I received a response on XX/XX/XXXX that the account has been updated with no noticeable changes afterward. I have a court decision and order I submitted that dismisses this and to be expunged because it is mine, XXXX   ignored this documentation. I have uploaded it again, XX/XX/XXXX. This debt that is not mine and is unfairly hindering my loan opportunities. I wish for this to be resolved quickly and deleted from XXXX and XXXX  credit bureaus. XXXX  rightfully deleted the debt when I submitted the court documentation back in XXXX of XXXX. I do not owe Springer Collections or XXXX XXXX.
Product: Checking or savings account

Law enforcement is hacked my Wells Fargo account and I not able to use my debit card this is a problem going on for XXXX years now XXXX XXXX XXXX XXXX is my name
Product: Credit reporting

I have submitted copies of the police report, FTC Fraud affidavit, statements, letters, etc. numerous times. I have made numerous attempts to contact these agencies, creditors, companies in reference to accounts that were opened in my name, credit inquiries in my name, apartment that was leased and broken in my name and have not gotten any closure. I am unsure of what else this credit reporting agency is wanting from me and as I have sent copies of my driver 's license, social security card, copy of my old apartment lease, copy of bills, etc. along with the other items and have even asked them to update my telephone number on my report as I have not had the number listed over 10 years. My number is XXXX. This has been ongoing for many months and I am at this time upset with the last 2 envelopes that I have received. I have attempted to notify all creditors, dealerships, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, etc and have had no success. Yet the credit reporting agencies, all except XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I would like to ask you to check these accounts. Because dates and information are incorrect. I sent already couple of letters but I am ignored completely. I contacted directly these companies and asked them to change and delete the accounts. I contacted Bureaus and asked them to stop poor reporting. Everywhere I am ignored. Please check these account sand delete wrong information.

These are those accounts : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Thank you! I hope this time it will work out.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the XXXX time reporting the same Chase account with inaccurate information. 

The date of delinquency was early XXXX, making the account over 7 years delinquent and, by law, needs to be deleted from my report. 

XXXX has ruled in my favor that Chase was reporting inaccurate information and removed the account from my report. 

XXXX and XXXX have refused to do anything about it. There are so many differences between what XXXX and XXXX are reporting. 

According to XXXX, XXXX and Chase, they are 100 % reporting everything correctly even after providing proof for years that they are not. 

Payment history is different on at least 14 months. 
The date of the last payment is different. 
The date account was closed is different. 

Please delete the account from my credit report immediately!! 

See attached files. 


XX/XX/XXXX XXXX 90 days late XXXX 120 days late XX/XX/XXXX XXXX 120 days late XXXX 90 days late XX/XX/XXXX XXXX 120 days late XXXX 90 days late XX/XX/XXXX XXXX 90 days late XXXX 60 days late XX/XX/XXXX XXXX 60 days late XXXX 30 days late XX/XX/XXXX XXXX 90 days late XXXX 60 days late XX/XX/XXXX XXXX 60 days late XXXX 90 days late XX/XX/XXXX XXXX 90 days late XXXX 60 days late XX/XX/XXXX XXXX 90 days late XXXX 60 days late XX/XX/XXXX XXXX on XXXX XXXX 30 days late XX/XX/XXXX XXXX on XXXX XXXX 30 days late XX/XX/XXXX XXXX on XXXX XXXX 30 days late XX/XX/XXXX XXXX 60 days late XXXX 120 days late XX/XX/XXXX XXXX on XXXX XXXX 30 days late Date of last payment. 
XXXX XX/XX/XXXX XXXX XXXX XXXX Date Account closed. 
XXXX XX/XX/XXXX XXXX XXXX XXXX
Product: Mortgage

Dear CFPB I have been struggling to pay my mortgage. I finally found a buyer and obtained a short sale approval from my first lender but I can not close due to my second mortgage. My short sale approval expires XX/XX/15. 

The second mortgage was owned by XXXX who sold it to XX/XX/XXXX who sold it to XXXX XXXX and then it was service transferred XXXX XXXX. Absolutely no one recorded either an assignment, service agreement or anything on my mortgage title. 

I am awaiting for bothXX/XX/XXXXand PHH who is XXXX to provide the proper assignment and/or servicing documents so I can close. 

Please assist me. I am desperate at this point.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I recieved a collection notice to pay settlement in the amount of {$1100.00} to XXXX XXXX XXXX  on behalf of Capital One. I rendered the payment in the form of two payments ; XX/XX/XXXX in the amount of {$600.00} and remainder balance of {$510.00} on XX/XX/XXXX. I was informed by XXXX XXXXXXXX XXXX that once the payments cleared- Capital One would update my credit report with all three bureaus showing a balance of {$0.00}. 
Attachments supporting information are below
Product: Debt collection

I have disputed this on more then one attempt and CFPB closed account without investigating my complaint against IQ Data international false claims. CFPB states that A debt collector may not collect any interest or fee not authorized by the agreement or by law. 

The interest rate or fees charged on your debt may be increased if your original loan or credit agreement permits it and no law prohibits the increase, or if state law expressly permits the interest or fee. I have argued this fact in my previous statement and nothing has been done about this false claims by this debt collector. I have not agreed nor signed anything agreeing to a third party interest or any kind. IQ Data international states in this letter stating under the CFPB Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, IA XXXX Re : Complaint of XXXX XXXX Case Number : XXXX and XXXX Internal Reference : XXXX We have received your dispute letters of XX/XX/XXXX and XXXX, XXXX, in which you dispute the interest charges on your account in our office. We collect amounts owed to rental properties, and our records reflect your account was placed with our agency on XX/XX/XXXX, to collect {$640.00} owed to our client, XXXX XXXX. Initial notification, with instructions to dispute or make payment, was mailed on XX/XX/XXXX to the addresses submitted by our client which was unfortunately returned as undeliverable. Our office again mailed notification to your updated address on XX/XX/XXXX. Our office disagrees with your assessment regarding charging interest. Your account is accruing interest of 7.00 % per annum as allowable by law. This interest rate was disclosed in your initial notification. 

Under what Law is this allowed under Fair Credit Act? Under the 807. False or misleading representations. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.

IQ Data has been sued for this same Tactic more then XXXX times. I request this company provide proof they are entitled to this false claim stating I agreed to this debt or even signed any agreement stating I agreed to a third party interest fee. CFPB failed to investigate this false claim and I have been asked by my legal counsel to try again. If this complaint can't be resolved I will be moving towards legal matters suing both CFPB an IQ data international
Product: Debt collection

This is regarding a Debt for a credit card.

I was not aware of a lien placed over my property, when I tried to refinance to be able to get out of some debts, then is when I found out that I have a lien ; I could not refinance until the lien was off the property, so I contact the debt collector agency, XXXX XXXX XXXX, XXXX, on XX/XX/XXXX, I spoke with XXXX, I tried first to get information on the debt ; she told me that the original debt was for {$13000.00} for a XXXX XXXX XXXX handled by Colorado Capital Investment ; and that debt now raised to {$22000.00} due to an interest placed on it. I asked her to please reduce my debt to the original to be able to refinance and thus pay other debts. but she told me that it was not allowed it. ; I request to speak with the manager, she told me that she will transfer the call but he/she may not be available ; so I left a message with my petition, file # and all information needed, but I never received a call back ; so I had to pay them the {$22000.00}, the check was sent to then by the refinance mortgage company. 
I am complaining because I believe that, first the interest was too high ; if I would not refinance, that debt would keep increasing and at the end they would be taking all the equity on my house ; I think they are not fair at all to try to help the consumers.
Product: Checking or savings account

Bank of America placed a 9 day hold on a cashiers check. 
Deposited on XX/XX/2022 and was told it will clear on XX/XX/2022. 
I have been making several deposits in my business account even for bigger amounts. 
I always have a hard time dealing with them due to their extended deposit hold practices. 
It is really frustrating when triying to run a business properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Soon after I started building credit I got a hard inquiry from SYNCB ( XXXX XXXX XXXX ). It occurred on XX/XX/2019. It shows on both my XXXX and XXXX. I dont remember signing up for anything or requesting anything to cause this hard inquiry.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed items, which you claimed was verified. Since I believed you didnt properly investigate my dispute I contact the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. Your records show that it was incorrect. Since your investigation was done improperly, I need you to update or get rid of the following items from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$7400.00} XXXX XX/XX/XXXX
Product: Debt collection

While checking my credit report I noticed Waypoint Resource Group has a negative remark on my reports stating that I owe a debt that I do not recognize. One entry was for 11 XXXX XXXX XXXX, and from my understanding that is a cable company. I have never used that company for cable service. I have never had cable service. This unverified information has caused a tremendous amount of stress and I plan to hire a credit protection lawyer to look into the matter.
Product: Debt collection

Early in 2018 I noticed my FICO credit score decreasing from a level which had been above 800. Upon gathering further details via credit reports it was noticed that Professional Finance Company had an account in for collections of {$750.00} with my name. Per the XXXX credit report the item was opened XX/XX/2018 from an original creditor listed as XXXX  XXXX. This was first reported on XXXX XX/XX/2018 which I disputed on line at XXXX in XX/XX/2018. Upon calling Professional Finance Co to clarify they did not confirm or provide information about the amount in collections. I have no record of a bill from whomever submitted the account. Also no mail or other records from Professional Finance. I submitted a certified letter to Professional Finance Co of XXXX CO in XXXX via US post office requesting detailed information. A signed receipt of the certified mail was received however again no information received from Professional Finance. I have also submitted via mail in XX/XX/2018 to XXXX disputing the information upon which they have not been able to supply any further data other than to confirm the debt is assigned to myself. I have over 30 years of strong credit records with never a collection issue. Now I have a negative note on my credit report ; however no one has provided me with any record of this credit item and where or how it originated. This is impacting my finances as I have taken out other loans this year which have been at less than preferred rated due to this unknown and unverified credit date by Professional Finance. I would like this removed from my credit and my credit score restored.
Product: Credit card or prepaid card

I have a secured credit card through discover, today XX/XX/2019, I was supposed to graduate to a unsecured card, I made 6 months good payments never late, and they canceled my account. I called them up and asked why, they said they didn't know and can't help me, I feel like I'm being discriminated on my credit because I did everything I was supposed to do and the day I graduate to a better card they cancel me and don't tell me why.
Product: Credit card

I called Bank of America on XXXX XXXX, XXXX to make my payment. The representative refused to take my payment unless I give her my driver 's license number. I verified my full name, full social security number, date of birth, full address and password on the account, but refused to give her my DL #. I hung up after she refused to so many tries. The next time I call, the representative took my payment and agreed to remove the late fee, because the representative should not have refused my payment. Every month this has been repeated. 
Finally on XXXX XXXX, XXXX I spoke to XXXX, a supervisor, who told me to pay {$66.00}, because he saw when the problem started and that would take care of it. I paid the {$66.00} and he supposedly took care it. I called today to make my payment and was told my minimum payment due is {$110.00}, because I keep getting late fee every month. I asked to speak to a supervisor. XXXX XXXX came on said she is a supervisor located in Arizona and repeated the same thing. I asked her to read the notes the last supervisor put in when I paid the {$66.00} on XXXX/XXXX/XXXX ; she said she did then told me I have to pay {$110.00}, because I have been later every month. I asked her to listed to the calls from XXXX XXXX, XXXX and XXXX XXXX, XXXX. She did not care. I told her I will file with the CFP complaint and wait to make my payment.
Product: Vehicle loan or lease

On XX/XX/XXXX I made the final payment on my XXXX XXXX XXXX to JPMCB Auto Finance, for {$180.00}. On XX/XX/XXXX the electronic check cleared my bank. Since then they have admitted they received payment but they can't track it down in their system. I have made several attempts to clear this up with them and spoken to several senior account managers with no results. I have a copy of the electronic check. they also keep changing the date for the completion of their investigation. This has now shown up on my credit report as over 30 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the fifth time, there are unauthorized accounts and inquiries on my credit report.
Product: Credit reporting or other personal consumer reports

I unfortunately noticed I am a victim of identity theft recently and I am attempting to remove all fraudulent inquiries that did not authorize. I have enclosed a copy of my identity theft report, a copy of my driver 's license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you remove the following fraudulent information on my credit file. If the information is not removed immediately, The information on my credit report does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be removed entirely. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 
Please remove the fraudulent information below per sections 605B, 615f and 623a6 of the Fair Credit Reporting Act.
Product: Credit card or prepaid card

Lowe 's Credit Card issued through Synchrony Bank began charging me for " Card Security '' without my knowledge beginning XX/XX/2022. 

XX/XX/2022 CARD SECURITY XXXX XXXX XXXX XXXX {$67.00} XX/XX/2022 CARD SECURITY XXXX XXXX XXXX XXXX {$69.00} XX/XX/2022 CARD SECURITY XXXX XXXX XXXX XXXX {$67.00} XX/XX/2022 CARD SECURITY XXXX XXXX XXXX XXXX {$66.00} XX/XX/2022 CARD SECURITY XXXX XXXX XXXX XXXX {$65.00} XX/XX/2022 CARD SECURITY XXXX XXXX XXXX XXXX {$64.00} XX/XX/2022 CARD SECURITY XXXX XXXX XXXX XXXX {$64.00}
Product: Credit reporting

ive asked for a signed contract they will not show me anything signed sends me a list of bills from itr but nothing signed by me. XXXX complaint always same response. want a signed contract from me or removed i dont beliave i have ever had XXXX i have had XXXX for 5 years
Product: Debt collection

In the summer of 2012, the company I worked for was shut down. Without work, I was forced to part ways with my apartment complex, XXXX d.b.a. XXXX. XXXX XXXX XXXX hired a CONTINGENCY based collection agency in XXXX, called Rent Recovery Solutions. I attempted multiple times to settle the debt with Rent Recovery Solutions, but they refused. I have not received any contact from this agency in over two years. I decided to call and offer to settle again, which they also refused. They informed me they did not purchase the debt, and therefore, do not own it. So I decided to call the original debtor directly to negotiate a settlement. As I found out, the original debtor, XXXX XXXX XXXX, filed for bankruptcy and dissolved in 2012. I spoke with the new property management, and they have no records dating that far back. There is not enough information to verify this debt exists any longer if the original debtor is completely dissolved and did not sell the delinquent account to Rent Recovery Solutions to collect. I contacted the collection agency again to discuss the matter, but they will not return my calls. Rent Recovery Solutions is falsely representing themselves as a 3rd party representative of XXXX XXXX XXXX, a company no longer in business. Without the collection agency purchasing the delinquent account, they have no right to collect.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION violated my federally protected consumer rights under the FCRA. I sent in a FTC Identity Theft Report via certified mail with a return slip on XX/XX/22. It was received on XX/XX/22. ( Proof attached ) Along with the FTC Identity Theft Report was a cover letter stating my claims and all identification needed for the fraudulent accounts to be removed pursuant to 15 USC 1681c-2. Pursuant to 15 USC 1681c-2, TRANSUNION had 4 business days to remove the accounts from my credit report ( XX/XX/22 ). I filed Identity Theft for four ( 4 ) fraudulent accounts and only two ( 2 ) were deleted. This is unlawful and a violation of 15 USC 1681c-2. It is well over the 4 business days. TRANSUNION is obligated to remove the XXXX and XXXX XXXX XXXX accounts pursuant to the FCRA, as they are fraudulent. Moreover, TRANSUNION stated they verified the accounts and the accounts have delinquencies. I filed identity theft for a reason. I demand a full disclosure and the source of this verification, pursuant to 15 USC 1681g. Moreover furnishing these accounts along with the delinquencies is a violation of 15 USC 1681s-2. No where in the FCRA does it state that delinquencies are to be reported, ESPECIALLY since they're inaccurate. I have done everything I needed to do via federal law to have these fraudulent accounts deleted from my credit report and file.
Product: Student loan

XX/XX/year> at XXXX ( EST ) I called Mohela and waited on the phone for XXXX hours and XXXX minutes to be eventually hung up on. 

XX/XX/year> at XXXX I called Mohela and waited on the phone for XXXX hour and XXXX minutes to again be eventually hung up on. 

This is unacceptable and obviously Mohela can not keep up with the volume of callers. You can not submit an email or an online chat to address an issue. So the only way is to call them. The lowest wait time is XXXX hours only to be hung up on. My time is valuable and it shouldn't take several days and hours and hours of waiting to speak with someone. This is very very frustrating!! They state their website is up to date but that is not the case so I have to call to get this straightened out.