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

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dispute Reference Number XXXX To Whom It May Concern, I am writing to formally dispute and request an investigation into certain inquiries that have appeared on my credit file, which I believe should not have been authorized or reported. These unauthorized inquiries have the potential to negatively impact my creditworthiness, and I request your assistance in resolving this matter promptly. 

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 I assert that I did not provide explicit authorization for any of the inquiries listed above. Furthermore, I have not initiated any business transactions or credit applications with these entities, and I have not granted permission for them to access my credit information. These unauthorized inquiries are in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I kindly request that the CFPB initiate an investigation into these unauthorized inquiries, and I ask that you take the following actions on my behalf : Contact the inquiring entities to request verification of the inquiries, including any documentation that proves I provided authorization. 

If the inquiring entities fail to provide valid proof of authorization, request that they remove the unauthorized inquiries from my credit report immediately. 

Provide me with written confirmation of the results of your investigation, including any actions taken to correct my credit report. 

I am providing copies of my credit reports from the three major credit bureaus ( Equifax, XXXX, and XXXX ) with the unauthorized inquiries highlighted for your reference. Enclosed, please find copies of the following documents : [ List any supporting documents you are including, such as copies of your credit reports ] Please be advised that I expect this matter to be resolved promptly and in accordance with the FCRA. Any delay in addressing this dispute may result in further damage to my credit profile, which I am working diligently to maintain. 

I appreciate your attention to this matter and your assistance in rectifying this situation. Please feel free to contact me at the provided email address or phone number if you require any additional information or clarification. 

Thank you for your prompt attention to this dispute. 

Sincerely, XXXX XXXX XXXX
Product: Credit card

I opened the account back on XX/XX/XXXX. I receive eight months zero APR my account is on auto pay, and I requested to receive a paper statement every month. 
first they fail to write every month on the statement for how long I have the zero APR second I told supervisor that I did not receive a paper statement for XXXX, XX/XX/XXXX and XX/XX/XXXX Had I receive the paper statement I have the opportunity to review and learn about my interest ending in the statement capital one fails to disclose on the statement for how long i have my zero APR, and also did not give me an opportunity to pay the balance in full before interest occurred I just wanted to mention that account is paid now in full and I owe them XXXX balance i want refund for the interest for XX/XX/XXXX {$100.00} and XX/XX/XXXX {$100.00} i attached a copy of my statement XX/XX/XXXX you can read and see is no interest disclosure
Product: Mortgage

WhenI first found out there was a problem is when I called to find out why my mortage payment wasn't taken out of my husband 's account. The ditech rep said that I was 12 months behind on my mortgage. I have been sending in payments every month, so where is this money going? She also informs me that my account has been sent to an attorney for foreclosure. They will not accept any payment. Two days later, I get a letter stating that they have put {$990.00} into a suspense account. A day after that, I get a letter that I owe money to an escrow account, and I notice that the account number on that statement is different from my original account number. I am so fed up with the shady dealings of Ditech. Now they will not accept any payments and are threatening to take my home. Something needs to be done.
Product: Credit card

I have maintained a credit card with XXXX XXXX XXXX XXXX XXXX for several years. I made several attempts to close this account over the years and for some reason or another I was unable to do so and continued to receive billing statements. In the last few months I escalated my efforts to close this account as the bank has began to send collection reports to the credit agencies for a nominal amount after claiming to have been unable to contact me. The bank has my telephone number and I did not receive a single phone call from them on this matter and the only reason my address was out of date is because I had believed my account had been closed. I have had my account past due in the past and recall receiving automated calls from the bank notifying me of the same. I would have gladly paid these nominal amounts and again attempted to get rid of this credit line had I known about the issue. 

I attempted to deal with the bank directly to was told initially that a supervisor would review my record and listen to the recorded telephone calls over the past years and get back to me - which they never did. I again had to follow up with them as I received yet another bill but this time was able to learn a little from this process. When I would call the bank and try to XXXX the account out - the bank would take payment for the past due amount but not for the interest and charged thereon which would then come out on my next statement thereby preventing my account from actually being closed. The bank was also very resistant to sharing information with me regarding my file and has left me in a situation where I do not have all of the facts I need to show them ( the bank ) that they need to resolve this matter. They have also told me that they are unable to communicate directly with the credit reporting bureaus once a report has been filed and I need to deal with them on my own to fix my credit score. 

When I called my home bank ( XXXX ) i was informed that the affiliation with XXXX XXXX XXXX XXXX XXXX had been terminated for similar complaints.
Product: Credit reporting or other personal consumer reports

Account XXXX has several inaccuracies reporting to the credit bureau. Company is calling and harassing me all hours of the day. Date of last payment incorrect. High balance incorrect. Date of last activity incorrect.
Product: Money transfer, virtual currency, or money service

I had a wire transfer sent on XX/XX/XXXX ( yesterday ) via state incoming wire. I talked to Chase on the XXXX and said it will arrive by noon on the XXXX. I called today at XXXX and they said 'maybe tomorrow. ' The person who sent the outgoing wire has had the money deducted from his account- but I am getting a run around from Chase.
Product: Checking or savings account

XX/XX/XXXX I noticed fraudulent activity on my checkingaccount at US bank. 
XXXX checks were cashed for a total of {$15000.00} These checks did not have my name, company namenor address and were not signed by me. They appear to be just fake checks that used an old checking account and routing number. 
I informed the bank immediately and they requested I come in for an appointment the following XXXX 
At the appointment the bank rep told me I should just call the bank XXXX fraud number and report it. I asked for asistance with this and we called together with the representative. 
We provided all of the information, copies of checks printed from US Bank online banking and where told claim would be filed. 
At this time they also tried to sell me a fee heavy check protection service that would be added to my account... I declined as I inteneded to close the acount once I could transfer all of my automatic bill payments and deposits to another bank account. 

After XXXX weeks, I called to check status of the claim and was told that no claim had been filed. The person on the phone took no responsibility and blamed me for the error. 

I made another in person appointment with bank XXXX XX/XX/XXXX and went through the entire process again... this time they assured my the claim was filed. I kept copies of all documents. 

XX/XX/XXXX I recieved a letter from the bank stating the claim was on hold and requested that i close the account in question.l I closed the account. This was never requested prior to recieving the letter. 

I feel that the bank has handled this very poorly from the start ... throughout the process the bank has tried to deflect the blame for the fraud toward me and refused to take ownership of the issue. While the checks clearly do not have my name or signature. 

The fact that staff wasted hours and hours of my time and the disruption to my business has never been addressed. 

The paper work the bank provides for filing the claim is long, confusing and arduous with the onous on getting the client to take responsibility, ie.. lay the blame for bank errors on the client. 

While I don't want to cast blame, The constant deflection, errors and non-filing of the claim makes it look like a possible information breach within the bank itself. 
To date no solution has been offered nor interest or loan against the monies lost. It has been XXXX months to date.
Product: Debt collection

Transworld S ystems/TSI claims on my credit report that they are collecting a debt of {$400.00} on behalf of  XXXX   XXXX  for a recently charged off account. I have n't had an account with  XXXX   XXXX  since  XXXX  of  XXXX , and I had received no notice of a debt from Transworld, so I called the original creditor on  XXXX   XXXX ,  XXXX  to verify that no one had recently opened an account using my information. They told me the closed account date they have for me is  XXXX   XXXX ,  XXXX  and the charge off date was  XXXX ,  XXXX ,  XXXX , and they have not had an account for me since. They sent me the proof of dates the accounts were opened and closed. I contacted  Transunion a s again, I have received no contact with  Transworld,  not by phone, not by mail. I told them this creditor has illegally reaged this account, and that I have received no communication or validation of this supposed debt, yet as of today they consider the matter settled and the account remains as a negative collection on my credit report with an origination date in  XXXX   XXXX . My issues are that I have received zero communicatio n, zero  proof of debt, and I have evidence from the original creditor that they have illegally reaged this debt that was originally reported to them in  XXXX  of  XXXX . They are lying on my credit report and saying that the original creditor contacted them in  XXXX  of  XXXX , which the original creditor says is a flat out lie and they suggested I contact your agency. I want to sue them for their illegal practices that are damaging my credit and costing me money in the forms of higher interest rates and outright denials for the extention of credit. They are breaking the law and need to be punished accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please Remove all Fraudulent inquiries as I have no knowledge of any of these accounts due to the Equifax data breach identity theft. all is being investigated by the FTC, According to FCRA 605B this information must be blocked immediately until the investigation is over.
Product: Mortgage

I have a predatory loan.My interest rates keeps going up every 6 months. I try to get loan modifications and they have been denying me for years and my balance on my principle loan hasn't gone down in 25 years. I bought my house in 1998 for for {$100000.00} with an XXXX $ down payment and today I still owe XXXX. As of today Ive paid over XXXX. 
I am on XXXX now. And Im on a fixed income. With the help of my daughter I am just barely able to make payments.I know they are trying to take my home and I will not let them. I have worked too hard.
Product: Debt collection

I am a victim of identity theft and noticed a collection from STELLAR RECOVERY. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against STELLAR RECOVERY in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you
Product: Debt collection

I purchased aligners with Smile Direct in XXXX XXXX and financed the balance. I made payments to my account until XXXX XXXX notified me that they were claiming bankruptcy and ceased all customer support ( there was no way to contact them as their phone number no longer worked and emails bounced back ). They employed Healthcare Finance Direct ( HFD ) to collect all payments. HFD continued to pull the monthly payments from my banking account even though Smile Direct was no longer in business or providing the support they promised and that I paid for.

I was contacted by HFD telling me that I had a balance left on my account and that if I did not pay it they would take me to collections, so I paid the full amount on that phone call ( and was promised a letter confirming this through email which I never received ). After that HFD continued to pull funds from my banking account, which my bank and Visa found fraudulent and reversed, blocking HFD from pulling funds from my account moving forward.

I continued to receive letters, bills, texts, and phone calls from HFD until I filed a complaint with the Better Business Bureau. I received a letter of " Paid in Full '' for my account from HFD through this communication and the matter of my account was put to rest, or so I thought.

HFD reached out to me on XXXX XXXX, XXXX informing me that they had reached a settlement with the New York Attorney General and I was entitled to some settlement money. In order to receive this I had send my information to them. I did this and received a portion of the settlement money in my bank account. 

Very soon after they continued pulling payments from my bank account ( which again my bank found fraudulent and reversed ) essentially saying that my original balance of XXXX XXXX was still owed. They are now harassing me with more statements, calls and text trying to collect on an account that is long paid off. 

I am at my wits end and don't know what to do to block them from contacting me any further. If I had known claiming that settlement ( which was only {$82.00} ) would start this back up again I would have blocked them then and there!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX    XXXX  called to report that it was n't me that applied for this  Credit plus   XXXX  and  XXXX  reported no knowledge if inquiry   XXXX   XXXX     XXXX   called to get it taken off   XXXX   XXXX    XXXX  reported no knowledge of account with company
Product: Debt collection

3rd party attempted to call me to collect a debt on money I owe to synchrony bank and the Amazon.com store card. Collections agent called in XX/XX/XXXX and failed to disclose that the call was an attempt to collect a debt and any information would be used for that purpose. Called the company on XX/XX/XXXX to file a complaint and have the call listened to to confirm that the agent did fail to read my rights.
Product: Mortgage

XXXX XXXX, NMLS # XXXX called my wife-and then me-to ask us if we wanted to refinance our mortgage. Claims he works for XXXX Bank. However, the consumer access web site for the National Mortgage Licensing System ( NMLS ) shows that his status is inactive and that he last worked for Guaranteed Rate , Inc. 
Seems that if his license is not in active status he should not be taking an application for a mortgage. 
His phone numbers are : ( w ) XXXX and ( cell ) XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit card with XXXX, when they went out of business they transferred all of their accounts ( Good standing accounts ) to XXXX. They have been a nightmare and operate in a disgusting manner with lies and fraud. My account was set up for auto pay when it was transferred I was not aware as XXXX sent a letter to my previous address. I first learned that they had the account when they dinged my credit for non payment. I disputed the charge and contacted them and found out that they took over XXXX accounts. I let them know I did not receive the transfer letter and I would pay the past due amount as I was unaware this was not being autopaid. The supervisor said they would wave the late fee 's and I would be back on track. They never waved the fee 's. Then I set up auto pay with them ... it took 2 months to kick in. So i speak to another supervisor who says ok we will wave this late fee... they never did. I spoke to supervisor after supervisor and received 100 's of harassing calls when my account should be in good standing and they are ruining my credit history with lies. They even say on my credit that I am late and have an auto loan. I reported XXXX to the XXXX XXXX XXXX and after much back and forth XXXX finally agreed to fix their mistakes. However instead of this being fixed, it continues to be reported as late on my credit report. I have not been able to refinance my home because of this and I have had my existing creditors reduce my limits because they believe I am defaulting on my obligation. I disputed the issue with the bureaus but they continued to return it to me verified. I have been hurt tremendously by this companies false reporting. I am suffering extreme XXXX  behind this fight I have endured with this company. I am now on XXXX because I dont know what else to do to fix this. They are costing me my health and my financial well-being. I am scared my other creditors will drop me because of this misreporting that this company will not fix. After they said they would fix it, they still reported me late. Please help me.I have included the letters from the XXXX.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter on XX/XX/2021 to XXXX XXXX XXXX care of XXXX XXXX XXXX XXXX for two debts that I owe. I am presently in a debt relief program ( XXXX XXXX XXXX ) that is settling my debts after negotiating a percentage that will be paid monthly. My original creditor was XXXX XXXX XXXX  XXXX. with a balance of {$1600.00}. The settlement amount was reached by the current creditor, XXXX XXXX XXXX XXXX not XXXX for the amount of {$760.00}. The second debt XXXX which was sold to XXXX that went to collection. XXXX XXXX XXXX which is the current creditor. This account is 13 years old and ten months old which pass the statue of limitation but a settlement was reached for me to pay {$830.00} at which is being paid monthly. My concern is that I notified the Credit Report Agencies regarding the amount owed and the current creditor is not XXXX. Transunion and XXXX sent me a letter to send a certified letter to XXXX XXXX XXXX care of XXXX XXXX XXXX XXXX with documentation to remove from my credit report. It is still on my credit report! Transunion removed one of the XXXX items and then two days later it was back on my credit report. The amounts are incorrect and XXXX is not the creditors! Please Please get them off my credit report. XXXX XXXXXXXX XXXX XXXXXXXX. and XXXX are being paid monthly.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN NOTICING MULTIPLE INQUIRES FROM THE SAME COMPANIES APPEARING ON MY CREDIT REPORTS, COMPANIES THAT I ALREADY HAVE CREDIT CARDS WITH AND MOST OFFFER CREDIT CARD INCREASES WITH A SOFT PULL. I HAVE FILED AN IDENTITY THEFT REPORT BECAUSE I BELIEVE SOME ONE HAS MY INFORMATION. I HAVE REACED OUT TO ALL THREE CONSUMER AGENCIES WITH LNO LUCK ON GETTING THESE FRAUDULENT INQUIRES OFF, WAS TOLD THAT IT WAS NOTHING THEY COULD DO. THESE INQUIRES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALREADY HAVE XXXX XXXX AND XXXX XXXX WHY WOULD I APPLY FOR THEM AGAIN I SHOULD HAVE 1 OF EACH NOT 3 OR 4, BUT THE REPRESENTATIVE SAID SHE CANT DO ANYTHING EVEN AFTER I TOLD HER THESE INQUIRES WERE FRAUDULENT AND I HAVE MAILED IN MY DOCUMENTATION. THIS WAS XX/XX/2023 AT XXXX XXXX  WHEN I CALLED ALL 3, MAJOR CREDIT AGENCIES. I HAVE BEEN TRYING TO FIND A APARTMENT BUT I KEEP GETTING DENIED BECAUSE OF ALL THE FRAUDULENT INQUIRES, I WILL BE HOMELESS IN 30 DAYS IF I DONT FIND A PLACE
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent XXXX XXXX XX/XX/XXXX informing them that my ex-husband XXXX XXXX filed bankruptcy XX/XX/XXXX furthermore the court has entered an order of discharge releasing him from all debts. Nevertheless, XXXX placed debit on all three credit reports. I requested them to remove debit from my credit file per bankruptcy on XXXX XXXX credit file original account holder. Contacted all three credit reporting companies XX/XX/XXXX and XX/XX/XXXX to file disputes, however they did not remove item from my credit report.