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

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX  XXXX Balance : {$1100.00} XXXX XXXX Balance : {$6000.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX Balance : {$2600.00} XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$2800.00} XXXX XXXXXXXX Balance : {$6000.00} XXXX  XXXX Balance : {$12000.00} XXXX XXXX Balance : {$2600.00} XXXX XXXX Balance : {$3200.00} XXXX  XXXX Balance : {$1100.00} XXXX XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance XXXX {$2800.00} XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance XXXX {$6000.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX Balance : {$2600.00} XXXX  XXXX Balance : {$3200.00} XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase mortgage account # XXXX this account is over 8 years old and Chase still report to my credit. Please stop reporting this account to my credit report, account too old.
Product: Checking or savings account

About a week ago, I transferred XXXX dollars out of my credit karma  checking account to my XXXX XXXX XXXX Savings acct. for some reason, the transaction was flagged by XXXX and sent to my linked bank account at XXXX XXXXXXXX XXXX. However, my XXXX XXXX XXXX account had already been closed for some time, and naturally, the money was sent back to credit karma from XXXX  XXXX XXXX as it should have been in the first place. Upon the money reaching my credit karma account, my account was immediately locked and placed under review. I am lodging this complaint towards credit karma in order to get their attention because its almost all the money I had and I can not afford to wait weeks and weeks for them to unlock my account. The full explanation of where that money came from and why is presented above. Credit karma offers no way to contact their specialized review team, therefore I am getting in touch with them by whatever means I have, in this case via the CFPB. Please get back to me credit karma, and please unlock my accountI really need the money. Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX*Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  **Subject : Dispute of Unauthorized Credit XXXX- XXXX XXXX Dear XXXX, Equifax, and XXXX, This letter is to formally dispute unauthorized credit inquiries that have appeared on my credit report with all three bureaus. I have recently discovered multiple inquiries from 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 ]. I did not authorize these inquiries and believe this to be a form of identity theft. 

I request that you immediately investigate these inquiries and remove them from my credit report. I have attached copies of [ List any supporting documentation, such as a police report or fraud alert notification ] to support my claim. 

Please provide me with confirmation that you have received this dispute and an update on the investigation for each of my credit reports. I am available to provide further information or documentation as needed. 

Sincerely, XXXX XXXX
Product: Credit card

Today ( XX/XX/XXXX ) I called to see why I can not use my credit card even though I paid it off, after being passed around through their AI system, multiple people hanging up on me, I was told can not use my card because they are putting a hold on it for a higher than normal payment and that I will have to wait two weeks to use my card. This card is for my groceries, I have no other money to buy my groceries and they did not try to help me at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX name XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. states I have the right to privacy. 

15 U.S.C 1681 Section 602 A. It also states a consumer reporting agency can not furnish account without written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted several disputes to XXXX  and provided proof of XXXX XXXX account. The account is not legally mine and I provided proof along with that the information such as payment amount and payment history was inaccurate provided solid proof. The account was delete in XXXX and reappeared in XXXX with no notice. I am still not responsible legally for the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I consumer did not consent too nor authorize these inquiries that are reporting to my Equifax consumer report. I did not give my permissible consent to none of these corporations to obtain my consumer report from Equifax. I did not give them my written consent to obtain my consumer report per section XXXX XXXX XXXX ( b ). Equifax sold my information to these corporations and got paid for the credit sale. Federal law states that any corporation whom obtains a consumer report from a consumer reporting agency knowingly without permissible purposes shall be liable to the consumer reporting agency for actual damages in {$1000.00} per section XXXX XXXX XXXX ( c ). I sent Equifax an identity theft report via USPS certified mail. Is Equifax above the law? How are they able to share my consumer report without them contacting me for my consent to share my report with these corporations. Equifax humiliated me to the public and damaged my reputation. Equifax decreased my score because of those inquiries that have no connection to me. If Equifax can provide me a copy of credit application authorizing the disclosure of my files with my actual signature, I will accept the inquiries. If such application is removed I demand these inquiries be blocked and removed from my consumer report. I have gone to therapy for my XXXX because of the fraudulent activity that Equifax let concur on my consumer report.Equifax stole my identity and sold my private information without prior consent.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent accounts from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX Balance {$15000.00} XXXX XXXX Balance {$20000.00} XXXX XXXX  XXXX Balance {$16000.00} XXXX  XXXX Balance {$1800.00}
Product: Bank account or service

On XXXX/XXXX/2016 I initiated a chargeback against my debit card for a transaction authorized on XXXX/XXXX/2016 and settled on XXXX/XXXX/2016 for the amount of {$170.00}. After I called the bank, the bank placed a hold on my debit card but never issued a credit to my account for the unauthorized charge. I called my bank today XXXX and they mentioned they never initiated a chargeback for this transaction. I want my money returned to me ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a mortgage with XXXX  XXXX reporting on my TransUnion report and it's indicating that it's in Bankruptcy and that is not the case there is no Bankruptcy on that account. This is false information
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery is attempting to collect a debt from me that I do not owe. They list the original creditor as XXXX XXXX  with a balance of {$720.00} from account number XXXX. I have not owed a debt to XXXX XXXX, and I do not have a debt obligation to Portfolio Recovery Associates. 

I have requested validation of this debt from Portfolio Recovery and they have not provided validation. It has been more than 30 days since the second request. There is no contractual agreement between me and these parties that I owe the alleged debt or that there has ever been any transaction between me and these parties that created a {$720.00} debt obligation. 

Portfolio Recovery is refusing to validate the debt by producing the document bearing my signature that has created the obligation to pay them {$720.00}.
Product: Debt collection

Theyre trying to hit me with a {$1400.00} debt collection that is NOT mine. I have disputed it and I dont even know who it is thats trying to collect but I do not owe anyone money much less {$1400.00}. This is crazy please hello its going to destroy my credit Ive been working hard as I possibly can on and its obviously fraud they have no proof it was me that owed this debt because it was not me! 

Sincerely, XXXX XXXX
Product: Credit card

On XX/XX/XXXX, I called the credit card customer service line and told them I wanted to pay the whole credit limit of {$2600.00} and I would only give them that payoff if they will waive any and all fees associated with this account. I was three months late, and I saved up money, so I could just pay the balance in full and be done with it. The customer service rep I spoke to promised me that he sent in the application to waive all the fees that are larger than the credit limit, my credit limit is {$2600.00} and after three months, the balance went OVER my limit with multiple fees and ended up being over {$2900.00}. So in a matter of three months their fees took the balance $ XXXX over my credit limit, which in and of itself is ridiculous.. After he promised me that all the fees will be charged off, I still continued to ask him to make sure that if I pay {$2600.00}, all the extra overages would be null and void. He never once said, oh, Im only allowed to waive one {$40.00} feeThat conversation never took place. Today on XX/XX/XXXX, I called the card company after I noticed that I still had over {$400.00} in charges still on my account and the card is still noticed in the system as defaulted with a negative credit limit. Went from {$2600.00} to - {$410.00}?. I called and tried to contact the supervisor. They said that they are only allowed to charge off {$40.00} and that is the most that they can do. I told them repeatedly for them to listen to the conversation since it is always a recorded line and to see that the employee did not tell me anything about only one charge being taken off the account, nor did anyone say my card is unusable? Why would I have paid off a card that would just end up being closed anyways? That hurts my credit even more so. I was never told this. They then put me on extended periods of holds. They keep reading to me what the notes in the system says, but I told them they need to pull the recording because what he put in the system is not what we spoke about on the recorded line. I tried to call twice and I was put on extended period of holds, they kept saying that the supervisor wasnt available to speak with me and I knew that they were trying to play a game with me. So here I am today making a complaint. All I ask is for the very least have three of the late fees deducted off the account and have my account active. Its still over {$400.00} thats still owed even though I paid my full credit limit amount I want at least {$120.00} off that account, which is the {$40.00} late fee I accrued while being 3 months late. Ill let all the other charges slide, which is interest, etc. I believe I am owed what I was told I would get. For me to give them {$2600.00} and still have a card listed as locked and in default is ridiculous, and I never even received the fee waiver I was promised. I shouldve just let it go to debt collections because that is hard earned money I could have just kept in my bank account. Pointless. This card used to be owned by OLLO, and ever since they transferred over into Ally, its been the worst experience.
Product: Credit reporting or other personal consumer reports

Called Transunion on XX/XX/XXXX to dispute inquiries and report fraud but they refuse to investigate. XXXX told me that the company doe not have to investigate or prove that the inquiries were authorized. I also sent the certified mail on XX/XX/XXXXand they are refusing to investigate. One of the inquiries was placed while my credit report was frozen and Transunion refuses to answer why they allowed that. I told XXXX who is not in the United States that what he is doing is illegal but he refused to listen.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : payments never late XXXX XXXX  XXXX negative Date opened XX/XX/XXXX Balance - Status Paid, Closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Full Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Investigation Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not XXXX percent right and correct. So, could you please check on these and get back with me? I saw on a XXXX XXXX and XXXX where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

I also read where I can get the updated report after you investigate this from the XXXXXXXX XXXX XXXX Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 
Thank you for your time and help in this matter.
Product: Credit reporting or other personal consumer reports

Experian, Transunion & Equifax did not properly investigate these accounts listed below and pursuant to 15 USC 1681i ( a ) 6 ( B ) 3 You must properly investigate ir remove these fraudulent accounts lastly its bee 71 days according to 15 USC 1681i ( a ) 1 you are suppose to respond within 30 days which neither bureau nor company has yet to respond. 


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 or other personal consumer reports

The debt BULL CITY FINANCIAL is reporting was paid in full with original creditor on XX/XX/year> therefore balance and information still being reported as of XX/XX/year> is inaccurate. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute information that I believe is inaccurate, incomplete, or unverifiable. 
The debt XXXX XXXX XXXX is reporting has been removed and re added with false dates and other inaccurate information. Furthermore, under Section 605 ( 15 U.S.C. 1681c ), items such as negative accounts or those that were previously removed can not be re-reported after they have been successfully resolved or deleted from my record.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many inquiries on my credit report from XXXX, XXXX, and Experian. I already submitted a dispute with Experian. 

I have a fraudulent alert on my credit report that the only time anyone can run my credit it is someone calls me over the phone to verify it is me doing the inquiry or that I am present at the store with a phone ID and representative calls in to their credit office. All my credit cards that I have acquired have been done with that process. I have asked requested disputes prior and they have been ignored by these XXXX major credit bureaus. They have asked for proof, the proof is on their report with a fraudulent report statement in there on site when you pull my report.
Product: Credit card or prepaid card

On XX/XX/2022 I placed an order on XXXX ( ORDER # XXXX ) for a Husky 87641 Brute Electric Jack at a cost of {$400.00}. A couple of says later I noticed the same item was listed for less money and I attempted to contact XXXX and ask them to adjust the price. They refused stating I would have to return the item and order a new one at the new price. On XX/XX/2022, I placed an order on XXXX ( ORDER # XXXX ) for a Husky 87641 Brute Electric Jack at a cost of {$350.00}. 

On XX/XX/2022, I returned the first jack ( ORDER # XXXX ) via XXXX XXXX  XXXX XXXX The XXXX tracking number is XXXX. The item was received by XXXX 's depot the following day, XX/XX/2022. 

Based on XXXX 's policy I was supposed to receive a refund within 30 days of the return. Which did not happen. My XXXX account is linked to an XXXX store card issued by Synchrony Bank ( Account ending in XXXX ). I contacted Synchrony after the 30 day period ( and after multiple attempts to resolve the issue with XXXX ). 

Synchrony Bank attempted to process the dispute and I have provided them multiple times with the XXXX tracking number and other information, but they continue to state that I am not providing them with information. I contacted XXXX and thety told me that on XX/XX/2022 at XXXX PM XXXX, XXXX refunded to synchrony {$400.00} to resolve the dispute. Synchrony did not credit the refund to my account and continues to deny the claim. XXXX will not process a refund stating they returned the {$400.00} to Synchrony and consider the matter resolved. 

To date, I have paid twice for an item, of which I only have one in my possession. I have asked both XXXX and Synchrony Bank to provide any evidence of this XX/XX/2022 transaction and neither have provided me with the information. I'm left to conclude that Synchrony has received the funds from XXXX and are keeping it for themselves without properly crediting my account. This is unacceptable and I expect to have an amount of {$400.00} credited to my Synchrony account whether from XXXX or Synchrony Bank.
Product: Debt collection

This account was a identity thef ( NORDSTROM/TD BANK USA ) was XX/XX/2019, some one take out this account, i report this to this company!!!!
Product: Credit reporting or other personal consumer reports

XXXX i have never attended any school or university nor have i ever applied for a student loan. i am not responsible for any student loans that were made in my name. XXXX needs to remove these fraudulent accounts from my credit profile immediately as they are result of identity theft. I do not authorize XXXX to use my personal information nor my social security number. 

XXXX. I have never received any loan from XXXX XXXX XXXXXXXX. i have never signed any documents with this company nor have i ever met with this company. this is a result of identity theft and this account needs to be removed from my credit profile immediately. i do not authorize XXXX XXXX XXXX to use my personal information nor my social security number.
Product: Mortgage

Roundpoint Mortgage bought my mortgage servicing from XXXX XXXX XXXX  effective XX/XX/2022. At that time, I set up automatic payments to pay my mortgage on time on the XXXX of every month. This went smoothly for XXXX, XXXX, XXXX, and XXXX. On XX/XX/XXXX, I received a goodbye letter from Roundpoint mortgage ( Dated XX/XX/XXXX ) stating that they had transferred servicing to XXXX XXXX XXXX. I also received a welcome letter from XXXX XXXX XXXX  with an account number indicating they had taken over servicing my mortgage effective XX/XX/2022. I received a separate letter from Roundpoint Mortgage indicating they had cancelled my automatic payments on my behalf, something I never asked them to do. 

From XX/XX/XXXX until XX/XX/XXXX I attempted to establish an online account with XXXX XXXX XXXX to begin making mortgage payments, as my mortgage payment was due on XX/XX/XXXX. I called XXXX XXXX XXXX  and was assured that " my account wasn't fully set up yet '' and " I could try again soon. '' Today ( XX/XX/XXXX ) I received another letter from Roundpoint Mortgage indicating that the transfer of my mortgage servicing was cancelled. They offered a phone number to call that has absolutely no option for an existing customer to talk to a human. 

Roundpoint Mortgage sent my PII to XXXX XXXX XXXX, including information about my mortgage, my social security number, my name, and my address without my consent. In addition, they cancelled my established automatic payments without my consent. The end result of these actions is that I had to make a one-time payment to Roundpoint Mortgage today to keep my mortgage current without any clarification on who my mortgage servicer actually is ( There are two banks now telling me they're my mortgage servicer ). 

I believe Roundpoint Mortgage acted in bad faith, targeting my demographic as a person who would be unlikely to collect and/or read my postal mail to the end of terminating my automatic payments in an attempt to drive my mortgage into default. I have an established online account with Roundpoint Mortgage. If I so much as change my email address or password in the online account, I receive an email from their system. I received no email communication indicating my automatic payments had been cancelled despite being opted in to all alerts. Nor did I receive an email notification about the transfer, or subsequent cancellation of the transfer. In addition, I believe both Roundpoint Mortgage and XXXX XXXX XXXX  violated financial services laws by sending me goodbye and welcome letters indicating my mortgage had been transferred when that was not the case. 

I have concerns that XXXX XXXX XXXX  established an account in my name without my permission and was given my personal and financial information without my consent. I also have concerns that I have only heard from Roundpoint that the transfer was cancelled and I have received no communication from XXXX XXXX XXXX to that effect. The last letter I have from XXXX XXXX XXXX  says they hold my mortgage servicing effective XX/XX/XXXX.