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

I am writing to dispute the following information on my credit report, i recntly Received a copy of my credit report, and i found the following unauthorized credit inquiries made by the following companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquires were made without my authorization and without legitimate business purpose. Please remove these unconfirmed lacking certifiable evidence unless physically certifies and verified proof is demonstrated and provided per U.S Code 15 U.S.C 1681 section 604 of The Fair Credit Reporting Act
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX I have 2 inquiries showing on my equifax report which are not mine and i do not have any open accounts with them. 

XXXXXXXX XXXX : XXXX XXXX XXXXXXXX XXXX  : XXXX XXXX I tried contacting them with no luck removing these unauthorized & frivolous accounts. 

XXXX XXXX XXXX I also contacted XXXX funding for removal of the collection accounts as they failed month after month to provide proof and have not been able to verify that the account is mine. 

I have no accounts nor have I have ever done business with XXXX XXXX XXXX.
Product: Debt collection

Someone opened a XXXX XXXX credit card account in my name back in XXXX  I have never tried to apply for a credit card ever because I know my credit score isnt good enough for an unsecured credit card and I dont apply for a secured one cause I cant afford the deposit amount
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multi request asking the credit bureau to confirm and supply Method of verification and who they spoke with when verification the supplied. No such information has been supplied only a repeat result of Verified. I'm requesting that Experian delete the remaining accounts immediate : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My home mortgage has been with JP Morgan Chase since XX/XX/XXXX. In XX/XX/XXXX I started trying to modify my loan. Chase told me I needed to be behind in my payments & were willing to let me miss my XX/XX/XXXX payment. Again in XX/XX/XXXX they told me to skip a payment. They lowered my payment and told me they would tack on the missed payments to the end of my loan. For 6 months I paid the required payment on time or early, then in XX/XX/XXXX I got a 2 week notice that they had sold my mortgage to XXXX. This company claims I missed my XX/XX/XXXX & XX/XX/XXXX payments to them ( I 'd never heard of them in XX/XX/XXXX or XX/XX/XXXX ) and they demanded I pay XXXX, plus my XXXX payment before XX/XX/XXXX or they are going to foreclose. I have made several attempts to contact Chase, mail, e-mail, phone, they act like I never existed, I even tried to refinance with a local company to get away from XXXX as they have over XXXX complaints & several lawsuits against them, but since I now have 2 missed mortgage payments on my credit report I ca n't refinance either!
Product: Checking or savings account

I want to link my bank account with XXXX XXXX  to buy stock. However, following the app, PNC has made a change that prevents me from being able to link my account.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Equifax Collection Agency - XXXX XXXX XXXX Original Creditor Name - XXXX XXXX XXXX  Date Assigned- XX/XX/XXXX Amount Owed- {$1000.00} Account Number- XXXX XXXX XXXX XXXX XXXX XXXX  Date of first delinquency - XX/XX/XXXX 15 U.S. code 1692c. Communication in connection with debt collection. 
The Law clearly states : ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer
Product: Mortgage

According To XXXX XXXX XXXX XXXX XXXX XXXX Is The Original Note Holder But The Public Record And The Chain Of Title Do Not Show That. I Need The CFPB To Demand A Response From XXXX XXXX  And Report This Case To The OCC And The F.B.I Field Office In XXXX FL.For Criminal indictments Do To The Fraudulent Activity In My Case.
Product: Mortgage

I had my home with XXXX MORTGAGE, I asked for a loan modification and was denied several times. Then they sold my loan to Green Planet. I asked for a loan modification, and they denied me for no legal reason. When I inquired about it they sold it to Planet lending. I asked for a loan modification from Planet Lending and they denied me a modification as well. My home is a M E R S account. THE FORECLOSURE PAPERS THEY TRIED TO FILE SAYS MERS AGAINST ME. M E R S HAVE NO LEGAL GROUND TO FORECLOSE BECAUSE THEY ARE NOT THE OWNER. Now Planet Lending filed a foreclosure. I am fed up with the wrong that was done to my family and myself. I am asking for help for the injustice. I asked for the recording of the sale and original contract and no one could send me anything
Product: Money transfer, virtual currency, or money service

Discover CC sent me a check offer to pay for services with extended time to make payments without interest after a small fee for it. I used the check to pay {$1500.00} on XX/XX/2023 for a job painting service that the painter XXXX XXXX XXXX was supposed to perform on my XXXX  room. After getting the check and caching it this person disappeared without performing any of the service promised. I contacted Discover Card CS and asked them to stop/retrieve the check and explained the reason, however, they told me they couldn't do it. I informed that I was victim of a scam, but it didn't change their resolution. I have also paid XXXX XXXX XXXX through XXXX 's transfers for his wife XXXX XXXX XXXX, in the amount of XXXX {$1100.00} from a total of XXXX {$2600.00} for a painting/flooring work quoted as U {$3300.00}. XXXX XXXX XXXX and XXXX XXXX XXXX live at XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX and they advertise their scam business on the XXXX XXXX  and XXXX.
Product: Bank account or service

Fraud on my debit card resulting in loss of {$23000.00} from checking account. XXXX ATM card was used to remove the funds over 6 months. Bank claim has been submitted, claim # XXXX. Bank has not been cooperating to resolve issue and restore funds. Also a police report was submitted, XXXX XXXX XXXX Dept, Case # XXXX. A file was submitted through the Federal Trade Commission. All of these documents are available and I will try to attach.
Product: Credit reporting or other personal consumer reports

I have been dealing with these Credit Bureas for over 5 years trying to get them to remove these negative accounts that don't belong to me. XXXX has had my credit file blocked for over 5 years! I requested that they update my correct address several times. I sent them a letter of establishment from my electric provider along with my passport information as well as a copy of my Social Security Card. I even presented them with a Police Report for the year that this started to happen. They claimed that the report was to old to use. You can't get an updated Police Report, but you can experience repercussions for years.
Product: Credit reporting

I was denied for bank account/savings account and was told to contact chex systems. Upon contacting chex systems they refused to give me any information and requested my social security number. I do not feel comfortable giving my social and want verification of whatever this maybe. I have never had a hot check in my life. Please provide information that this is me along with verification and validation of whatever this is.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Federal student loan in which has been in forberance for years now and i was currently enrolled in this program due to lack of funds over the years. Now on XX/XX/2017 i was still enrolled in this program, Nevertheless this company XXXX reported me as 90 days late payment in which completely ruined my credit alltogether. And to make matters worse they're increasing my student loans by thousands of dollars it was orginally XXXX and now its changed to XXXX thats makes absotely no sense. XXXX increase in interest over a matter of months is unheard of and beyond me. I've on numerous occasion called and called and they even verified they had my wrong contact information and phone number, basically stating it was an company error, however they refuse to report the correct infotmation to the credit bureuas and have these late payments removed!!!!!!!!!!!!!!!!!!!!!!!
Product: Debt collection

I get some medicals bills who was send to collection without my knowledge. I was with XXXX and always paid my co-pay to each of my visits. I never received any invoices from medicals institutions asking me to make any extra payments of {$30.00}. I want all this medicals bills to be removed and a zero balance also I want the collections to be removed. I request that the collections calls to be stop, I am on the Do not Calls List and still received some blocked number or XXXX all the time. Simon 's Agency inc get XXXX accounts with different amounts due report to my credit reports.
Product: Vehicle loan or lease

The interest on the loan isn't correct the interest rate is 3.14 % the original loan was {$27000.00}. The due day is normally around thr XXXX of each month I am making early payments.For example on Date. Principal. interest. Total XX/XX/XXXX. {$400.00}. {$60.00}. {$460.00} XX/XX/XXXX. {$400.00}. {$48.00} {$450.00} XX/XX/XXXX. {$6.00} XX/XX/XXXX. {$410.00}. {$56.00}. {$470.00} XX/XX/XXXX. {$420.00}. {$44.00}. {$470.00} XX/XX/XXXX. {$400.00}. {$50.00}. {$450.00} XX/XX/XXXX. {$11.00}
Product: Credit reporting or other personal consumer reports

I have recently discovered that my identity has been compromised, leading to these fraudulent accounts being opened without my knowledge or consent. I have taken the necessary steps to report the identity theft to the relevant authorities, and I am providing you with a copy of the FTC identity theft report for your records. I have also mailed a copy to Equifax. I request that you investigate the following accounts and take appropriate action to remove them from my credit report, as they are the result of true identity fraud. 

I would like to bring to your attention that my information was sold and bought illegally because I was a victim of the Equifax data breach, which has heightened my concerns about the security of my personal information. In light of this, I request that you investigate the following additional accounts and take appropriate action to remove them from my credit report, as they are the result of true identity fraud.
Product: Debt collection

Capital One Auto Finance left a voicemail message on my phone regarding my past due credit card. It is against North Carolina state law to for a creditor to leave voicemail messages on North Carolina residents phones. This is a violation of this law and may be addressed with my attorney.
Product: Credit card or prepaid card

Added an authorized user to my account, and a new card was mailed to my address. the card was not received in the mail, but on XX/XX/2022, I was alerted that XXXX XXXX XXXX tried to charge {$340.00} but declined. I should click Yes if it's me and No if it's not me. 

I select No. It was not my transaction nor my authorized user. I called customer service and spoke to the fraud team, and they order me a new card, which I am yet to receive. I was told on multiple occasions that the fraudulent amount would be credited. I am yet to receive it. 

I have contacted Discover card on multiple occasions just to be transferred to the same set of departments over and over.
Product: Student loan

I have a student loan with Navient. Reviewing my account for the last year, they have not accounted for more than 6 payments I made in XXXX. I sent them bank records showing proof of payments and they only corrected XXXX XXXX XXXX months, but have failed to give me credit for most of the payments i made in XXXX.
Product: Checking or savings account

Goldman Sachs Bank recently changed policies associated with ACH and wire transfer withdrawals from accounts held with them. Here is a verbatim statement of their account changes taken directly from an email : " Weve updated portions of our Deposit Account Agreement relating to your account ( s ). For existing customers, the changes will go into effect 30 days after the date of the Deposit Account Agreement linked below.

I contest any limits that the bank places on funds transferred. It is my money, and I have the right to access my funds when I want at whatever amount I want, and they have no right to create a policy that limits such access and also creates limits " on the fly '' when I first try to schedule such transfers. Based on the laws I have read, what they have implemented is illegal and I did n ot agree to such policies when I opened my acount. 


" Here are some key changes : ACH transfer limits. We may place limits, based on total dollar amount or frequency, on funds transferred by ACH between your XXXX account and a linked external account. Well let you know about these limits when you schedule your first such ACH transfer. 

Wire transfer limits. We may place limits, based on total dollar amount or frequency, on funds you send by wire from your XXXX account to a third-party account. Well let you know about these limits when you schedule your first such wire transfer. ''
Product: Debt collection

I have never heard of XXXX XXXX XXXX or have had any communication from them. They appear as a negative collection mark on my credit report. When I disputed the collection, the results came back as it was my debt but I have not received any information on what the debt was for. I have never heard of XXXX XXXX XXXX nor have I ever received any communication from them.
Product: Credit card

I applied for a credit card with American Express and was denied credit. They asked me to connect my bank account so they could look through my transactions which is a violation of my privacy. According the EQUAL CREDIT OPPORTUNITY ACT, adverse action against a consumer is against the law which is codified in 15 USC 1691c and is pursuant to civil liability under 15USC 1692k. American Express is in violation of 15 USC 1642, 15 USC 1681m and 12 CFR 1002 because I made an application in good faith but credit was not issued. If American Express fails to make any reasonable offer to resolve this matter and compensate me for the use of my SSN and the resulting creation of security collateral, I will make XXXX XXXX criminally and civilly liable for all actual damages. I am the age of majority and have the capacity to contract. I am simply asking American Express to extend my own credit to me with the promise that I will perform as required. I will take this matter to the SEC, IRS and anyone else necessary to get the remedy I am seeking, that I deserve as a federally-protected consumer. 

REFERENCE : XXXX
Product: Debt collection

XXXX XXXX Portfolio Recovery ... they call my work number almost every day ... this has to stop
Product: Debt collection

ON XX/XX/2018 I MADE A PAYMENT TO XXXX XXXX XXXX FOR {$430.00}. THE CONSUMER WAS SETTLED IN FULL AND IN RETURN WAS SUPPOSE TO BE REMOVED OFF MY CREDIT REPORT WITHIN 45 DAYS. IT HAS NOW BEEN ABOUT 2 MONTHS AND INSTEAD THEY JUST UPDATED MY REPORT SHOWING THAT THE ACCOUNT IS NOW CLOSED. I HAVE TRIED TWICE DISPUTING IT WITH THE CREDIT BUREAUS BUT NOTHING HAS CHANGED. THE ACCOUNT IS STILL ON MY CREDIT REPORT SHOWING CLOSED. I TRIED CONTACTING THE COMPANY AND BEEN GETTING NOTHING BUT LIES. THEY TOOK MY PAYMENT KNOWING THEY WERE NOT GOING TO REMOVE THE ACCOUNT OFF MY CREDIT REPORT. THIS HAS NOW BECOME OVERLY FRUSTRATING, WHICH I AM TRYING TO REBUILD MY CREDIT TO PURCHASE A HOME.
Product: Checking or savings account

I always pay my bills through bill pay from Chase. I sent several payments on XX/XX/XXXX and on XX/XX/XXXX, I noticed my account was still high. I logged into my account and noticed that none of the payments I put in went through which was odd and I thought maybe I made a mistake. So I entered payments for XXXX XXXX XXXX, XXXX XXXX XXXX, My car payment which I have listed as XXXX XXXX and Water payment since now these are all past due. Usually when I enter the payments they are automatically deducted and I can go to my account and see what my updated balance is. This time when I did that it was still the same and I went back into Pay Bill they weren't there so I clicked on Payment Activity and they were pending review. I realize all payments are reviewed but this was the first time my payments were not deducted and it actually said pending review so I called Chase Bank at XXXX. The gentleman on the phone looked at my transaction history and didn't see anything so I told him to go under XXXX XXXX and he saw the payments pending. He transferred me to lose prevention and when the woman answered the phone I checked and the payments were deducted out of my account. So my question asked was there a problem as this is the first time I saw this and my payments didn't go through on the XXXX and I thought it was my fault. She told me she saw nothing wrong. I asked to be transferred to a XXXX who again told me that he saw nothing wrong. I told him look at my payment history as there was also a problem with my XXXX payment it was deducted then reversed and applied again and perhaps someone made a mistake. The XXXXXXXX proceeded to tell me nothing was wrong and he didn't know what else to tell me making me feel stupid. I told him I always pay my bills on time and feel and if now I can't trust that Chase will put my payments through as this is the first time I am having a problem in over 10 years and he can't explain what happened as it didn't happen before. The XXXX  did not answer my question and kept saying I don't see anything, I asked them to look at my history and the notes from the other person I spoke to as I realize all payments are reviewed but what I saw was not the norm for me. To no avail the XXXX just said have a good day and I said I wanted to file a formal complaint as I think there was no transparency and it was unfair treatment. I have worked hard to pay my bills and get my XXXXredit score up and I don't feel comfortable that when I send a payment with Chase they will send it on time. He said you should take a screenshot, really that is the answer. I want answers and I want to know why any of my payments are all of the sudden held up. If there is a fraud alert on my account please let me know that and how this affects the payments I am putting through so I can perhaps make my payments earlier. I am not happy with Chase as several times this year I have complained about stop payments back in XXXX for XXXX XXXX they stopped that and didn't send me a text.
Product: Credit reporting or other personal consumer reports

Recently, I was refused credit as a result of some derogatory information on my credit profile. Under the provision provided by FCRA, I hereby request a complete copy of my current credit report for my observation and correction of any incorrect information. To diminish speculation my information is as follows : Name : XXXX XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them. 

Address : XXXX XXXX XXXX XXXX XXXX, CT XXXX Please be sure that my address is listed correctly. This is the only address I have lived at. 

Name of Account : Account Number : Provide Physical Proof of Verification : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 UNVERIFIED INQUIRY IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, MY RIGHTS HAVE BEEN VIOLATED MY RIGHTS : 1. 15 U.S.C 1681 SECTION 602, 15 U.S.C. 1692 States I have the right to privacy. 

2. 15 U.S.C. 1692 ( C ) ( A ) States a debt collector has to have my consent to text, call, or email you. 

3.15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions. 

4. 15U.S.C 1681 B ( 2 ) States if I did not give permission to have anything on my credit report it is not suppose to be there. 

5.15 U.S.C 1666 B : States a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 

6. 15 U.S.C 1692 ( F ) ( 8 ) - States you are not allowed to use logo or symbol on their envelopes.
Product: Money transfer, virtual currency, or money service

Paypal notified me that my account was limited permanently for violating their user agreement. There was no specification on my account and when I spoke to customer service they said there was no specification as to what went wrong in the report and they could not find out why. Customer service also told me that I have a legal right to know why and to take legal action. They permanently banned my account and could not specify why.
Product: Credit reporting or other personal consumer reports

Hi! I got notified by my XXXX credit monitoring that a new credit inquiry was run by XXXX XXXX which I did not initiate. 

I filed fraud alert with XXXX and called XXXX XXXX to make sure they didn't issue a credit card to anyone and they wouldn't give me any information. 

Additionally, phone numbers were listed wrong ( XXXX ) XXXX ( XXXX ) XXXX is also an incorrect phone number but is my mother Additionally, XXXX is listed as an employer which is also incorrect.
Product: Credit reporting or other personal consumer reports

I made multiple attempts to get the information corrected but the company has yet to correct it.
Product: Credit reporting, credit repair services, or other personal consumer reports

there are items on my credit report due to fraud