23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Hi, My name is XXXX XXXX XXXX. My address is : XXXX XXXX XXXX, XXXX, RI XXXX.My date of birth is : XX/XX/XXXX.My social security number is : XXXX 0n XX/XX/XXXX I reported to the credit bureaus that I did not authorize the folowing banks and financial institutions to pull Hard Copy inquiries from my credit report. I also told the dealership not to run my credit with any other banking institution for credit on our new vehicle, I only gave permission only from " XXXX '. I told them if their financial institution which is " XXXX XXXX XXXX '' could not finance us, then I do not want to buy the vehicle. I was informed by my sales Representative XXXX, that my credit would not be sent to any other financial institutions. But to my suprise, I found out later that, that was a lie. When I pulled my credit report it had so many more Hard Copy inquiries pulled from the following instututions and banks : -Here are the detail of the hard pull inquiries which were not authorized ( Equifax ) are 1. XXXX -XX/XX/XXXX 2.XXXX -XX/XX/XXXX XXXX. XXXX -XX/XX/XXXX 4.XXXX XXXX XXXX - XX/XX/XXXX ) I did not give permission to run my credit from all those instititions and banks except " XXXX XXXX XXXX '' who financed the vehicle for us. I wrote the dealer and they did not respond to my request for them to contact the financial institutions and have them to remove those unauthurized inquiries of my credit report. These inquiries are hurting my credit and me and my husband have put off building a home due to these inquiries. I have given them more than enough time to remove these inquiries and they have not. I like all these banks and institutions remove these unauthurized inquiries. Anything you can do to remove these from my record would be greatly appreciated. Again thank you so much for your help.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notification from Experian, XXXX, and XXXX notifying me that an update had occurred on my credit report. After logging in and checking the update I was alerted that my credit score had drastically dropped and 8 of my XXXX XXXX XXXX XXXX had been updated to show late payments as of XX/XX/XXXX. I contacted each bureau and was told by each one basically the same thing that the creditor reported the update. I then proceeded to contact the creditor, XXXX XXXX XXXX, I spoke with a CS agent by the name of XXXX on XX/XX/XXXX at XXXX. After verification of all my personal information I informed XXXX that according to all 3 credit bureaus my account had been reported as of XX/XX/XXXX as a late payment and it was negatively affecting my credit which i was working to restore. XXXX then informed me that according to my account they had NOT updated this information with the credit bureaus and because my accounts were included in my bankruptcy they could NOT update ANY information on my accounts with the credit bureaus. I asked her could i have this in writing since the bureaus were giving me the run around about it and she informed me that just as they could not give ANY information to the credit bureaus they could also NOT provide me with anything in writing. She said they could only send a letter to the attorney that handled my bankruptcy case. I informed all 3 credit bureaus of this and they still REFUSE to accurately update my account so this negative impact will be removed from credit reports.
Product: Debt collection

On XXXX XXXX  I was informed via credit report that a collection notification from Credence Resource Management in regards to doing business with XXXX XXXX the amount of {$110.00} and have not given this company consent to disclose my location information this is a direct violation of 15 USC 1692b Acquisition of location information this company should have not contacted me about an alleged debt and furnish it without validation or verification of the debt, I Do not owe to their company without consent of the consumer. This debt is disputed.Please delete from your information system. 15 USC 1692g validation of debts written notice by including the name of the creditor to whom the debt is owed ; the amount of the debt ; NO CONSENT FROM CONSUMER OR NOTIFICATION ALERTING THE CONSUMER OF transfer of ownership. FCRA 804 prohibits this company from communication through interstate commerce ( 2 ) not state that such consumer owes any debt ; this is a direct violation under this sub chapter. It clearly states in the Fair Debt Collections Practice Act ( FDCPA ) section 807 ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. I, the consumer gave security interest in principal balance which means the security interest was provided for the individual to secure the obligation. It is according to the provisions and sub chapters of 15 USC 1692d ( 4 ) ( 1 ) to collect or attempt to collect any extension of credit. 15 USC 6802 obligations with respect to disclosure of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ;
Product: Debt collection

I have asked to have this debt removed from my credit score for Jefferson capital
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in my police report and my FTC affidavit to the three credit bureaus I called last month and talked to XXXX  and Trans Union Fraud department who asked me to send in my fraud package. After sending to them they did not comply with anything and said they dont have to block the fraudulent account even after i sent in my police report and filing a police report. They sent me some generated latter saying if i want to block the fraudulent account to send in my Police report affidavit that i have already provided them I spoke to XXXX who said he was from the fraud department integrity team and stated that and she didnt have to follow the FCRA rules and regulations. I explained that i received a letter saying if i wanted to Block the fraudulent information Under the Fair Credit Reporting Act Section 605B to keep sending in my police report. and then hung up on me. I have done everything in my power to fix this fraudulent information that has caused me great damage and embarrassment also with emotional distress, Deformation of character buy accusing me in the generated letter stating that my police report was not filed when it fact it is file with the police department they keep reporting a fraudulent account from XXXX XXXX Account Number XXXX and XXXX XXXX XXXX account number XXXX this is completely fraudulent and they are knowing and willing causing me damages, embarrassment and emotional distress
Product: Credit card or prepaid card

COMENITYCAPITALBANK/XXXX- Credit Limit {$12000.00} ( Opened XXXX XXXX ). 
I reported this as fraud. My identity was stolen. My name is XXXX XXXX XXXX And the address that is linked to this account, I have NEVER lived. 
Also I was XXXX from XXXX. I have documents to proved. I also have a signed and notorized affidavit confirming my identity and this account not being mines. I need it deleted of my reports. If you check the XXXX XXXX search website, you will see I was released from XXXX  XX/XX/2022. XXXX  # XXXX
Product: Student loan

The two ab ove accounts where removed off all three credit reports in  XXXX , i sent in documents to prove it was n't my loan, it somehow got reinserted  XXXX  to my  XXXX  and   XXXX   credit report, which is affecting my credit, the account does n't belong to me, by law you are not allowed to reinsert a removed/or deleted item after 7 days
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX To whom it may concern, Im writing this letter to dispute the following accounts : 1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 2. invalid inquiry XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX please delete this unauthorized inquiry from my credit report 3. invalid inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX please delete this unauthorized inquiry from my credit report 4. invalid inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX please delete this unauthorized inquiry from my credit report 5. invalid inquiry XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX please delete this unauthorized inquiry from my credit report 6. invalid inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX please delete this unauthorized inquiry from my credit report 7. invalid inquiry XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX please delete this unauthorized inquiry from my credit report 8. invalid inquiry XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX please delete this unauthorized inquiry from my credit report 9. invalid inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX please delete this unauthorized inquiry from my credit report 10. 15 U.S. Code 1681n Civil Liability for willful noncompliance XXXX  Account Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once 11. FDCPA section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once 12. 15 U.S. Code 1692g Validation of debt XXXX XXXX Account Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once 13. FDCPA section 807 Violation Misleading False Reporting XXXX XXXX XXXX  Account Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 

Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Thank You Sincerely yours, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with XXXX U.S.C. XXXX and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per XXXX U.S.C. XXXX, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. XXXX credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through XXXX mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX. 
XXXX XXXX : XXXX
Product: Credit reporting

Experian is refusing to even investigate or to remove old dated information off my credit report. I have XXXX accounts which should have already been removed from my credit report. XXXX XXXX XXXX date of first delinquency was XXXX 2010. And XXXX XXXX XXXX date of First delequency was XXXX 2010. Both these accounts should have aged off my credit report.
Product: Money transfer, virtual currency, or money service

I have been banking with chase for years and unknowingly had money coming out of my account from XXXX. I called customer service to dispute the transactions, chase offered no help. I havent received any compensation. From this experience. I only found out about everything when I went to set up my XXXX account and it told me there was an account active already.
Product: Credit reporting or other personal consumer reports

I made a payment to my sofi credit card and days later my phone eneded up messing up so i wasnt aware that the money i used to make my credit card payment was tooken for my phone bill that was also due but it was nothing i could do about it because i didnt have access to my accounts and i wasnt aware of this until the 30 day late notification popped up when i ended up gettng access to these accounts again which is why my payment was made right after the 30 days
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report. I know the recent findings by the Consumer Financial Protection Bureau ( CFPB ), highlight that XXXX has engaged in improper practices when handling consumer disputes. Specifically, the CFPB has alleged the following : 1. Failure to Properly Investigate Disputes : Conducting sham investigations that fail to adequately address consumer concerns, including using faulty intake procedures and failing to notify consumers about investigation results.

2. Reinsertion of Inaccurate Information : Allowing deleted inaccuracies to be reinserted on credit reports due to a lack of proper matching tools and safeguards.

3. Violation of the Fair Credit Reporting Act ( FCRA ) : Failing to adhere to federal requirements regarding dispute resolution and accuracy in consumer reports. 
As per these allegations, I am concerned that the inaccuracies on my report may have resulted from such practices. The disputed information includes showing proof that my personal information has been leaked and used for another persons gain, without my knowledge. XXXXXXXX XXXX XXXXXXXX ACCOUNT # XXXX {$830.00} XX/XX/XXXX XXXX XXXXXXXX XXXX ACCT # XXXX {$3000.00} XX/XX/XXXX XXXX XXXX XXXX {$100.00} XX/XX/XXXX INQUIRIES : XXXX XXXX  XXXX I am providing documentation to support my claim, including : Police Report, FTC ID Theft Affidavit Dispute letter, ID social security number.
Product: Mortgage

We opened our mortgage statement for XXXX this morning ( it is XX/XX/XXXX today ) and discovered that our mortgage payment is higher than it was last month. We had NO idea what was going on so we called Shellpoint to find out. They told us that our escrow has increased. When we told them we had NOT received a notice about the change in the escrow they told us that they sent the notice on XX/XX/XXXX -- that is the XXXX of THIS month. We are complaining because they did NOT give us enough notice for us to make the necessary adjustments in our budget to be ready for this change. Shouldn't they give us more notice? We haven't even received the notice yet!! And yet they want us to pay a higher escrow amount before allowing us the time to review the escrow account and their new charges!! They are sending us another escrow statement but told us that it would take 10 business days from to day to receive it and they STILL want us paying no later than the XXXX or they will assess us a late fee. They refuse to waive the late fee and they refuse to allow us time to review the new escrow charges before we make our XXXX payment. We need time to review those new charges!! With what other homeowners reviews have said about Shellpoint 's practices, I want to be sure they aren't charging us for products that we don't need! And I want it in writing on paper in my hand!! When we were still with XXXX XXXX XXXXXXXX, they gave us the common courtesy of giving us two months to review a new escrow decision and prepare our budget for the new amount. Shellpoint isn't giving us any time at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contract # XXXX XXXX XXXX XXXX contract XXXX. TENDER OF PAYMENT REMINDER NOTICE THIS DEBT IS DISPUTED I XXXX XXXX XXXX have Tendered payments thereto XXXX XXXX on XX/XX/2019 with proof of service and signatures required signed by all creditors as of XX/XX/2019 when mailed out via USPS with proof of service. The law stalest that i must receive a Written Notification About Debt The law : Within five days of initially contacting you, the collector must send written notice of the debt that includes : The amount of the debt The name of the original creditor to whom the debt is owed A statement describing your right to dispute the debt. They have failed to do this. 
On XX/XX/2019 I received five phone calls from an unknown Florida number. The calls were made every hour between XXXX XXXX and XXXX XXXX and one was made at XXXX XXXX. On XX/XX/2019 I received four calls from the same number, one every hour between XXXX XXXX. and XXXX XXXX. and one at XXXX XXXX. It was not until the last phone called I received where a voicemail was left from XXXX and its card services. When I researched the number online I saw that it was a debt collection number from XXXX. Why is XXXX harassing me to collect a debt on a card that was paid in full on XX/XX/2019 for the amount of XXXX XXXX XXXX XXXX and XXXX dollars and XXXX XXXX XXXX? Furthermore, it has been [ 37 ] thirty seven days since the debt has been paid in full and it has not reflected on my credit report.
Product: Debt or credit management

The company Lexington law said I would have results of removals off my credit within the first 30 days and I seen nothing result on my credit report and was charged hundreds of dollars per month for no results just pending everything if that. Then the fees.
Product: Mortgage

I recently received a modification with the 3 trial payments. I've made the 3 trial modification payments and the mortgage servicer still has my property set for property foreclosure. The Property foreclosure sale date is set for XX/XX/2019, why is the mortgage company trying to foreclose on my home when I've made the 3 trial payments and I'm making the first mortgage payment. I have not received my permanent modification agreement as of yet. 

I need Help!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The accounts I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX .... Balance : - XXXXXXXX XXXX XXXX .... Balance : - XXXX XXXX XXXX XXXX XXXX .... Balance : {$530.00} XXXX XXXX XXXX Balance : {$6700.00} XXXX XXXX XXXXXXXX .... Balance : {$11000.00} XXXX XXXX XXXX XXXXXXXX XXXX. Balance : {$1600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX delete a non-accurate XXXXXXXX XXXX account on my credit report... Meanwhile, XXXX is refusing to delete this account, and they never could verify this account when the latest proper documentation ....
Product: Checking or savings account

My bank, now Truist has charged me with over {$300.00} in overdraft fees for my account.
Product: Debt collection

I, XXXX XXXX have never received information regarding a debt that is being claimed against me. Through my rights, in accordance with 15 U.S. Code 1692g, I hold the right to verify the total debt amount, including any fees, and who the original party that is making the claim. After receiving such information I will review and respond within the 30-day period allotted to me under federal law.

If it is found that there is no evidence of this debt under my name then I demand that all credit bureaus and financial institutions be made aware or a complaint will be filed to the respective local or federal agency.

Furthermore, I request that you cease and desist any future telephone communication, whether through my residential or employment numbers. I am aware of the request for payment by your company and any further telephone communication shall be considered harassment in violation of 15 U.S. Code 1692d and shall be subject to State and Federal penalties.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexis reported a judgement against us that was a total error. They obviously did not even read the judgement as someone sued us as well as many other named defendants. They got a successful judgement against only one of the many named defendants which was not us. I have tried to contact them several times to get this corrected. The number listed on the credit report was not a useful number and you could not reach a person or leave a message. I looked up and called 2 other numbers to no avail. This cost us a mortgage refinance and is infuriating that they apparently have no responsibility to even read the judgments they receive before posting them to peoples records. When I spoke to a manager he said they advise that their information may not be accurate but that is my problem not theirs.
Product: Credit card or prepaid card

My Kohls credit card was converted over to a XXXX card that I did not approve or request. This was done by Capital One and I know these banks are trying to save their tails by issuing this XXXX card down our throats. We have a right to choose this not forced. I have to pre approve it. Im angry they did this. They arrogantly said I couldnt do anything about it and for me to open another Kohls credit card if I want. I have a balance on my Kohls card and now have to open another Kohls card? Why?