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

Multiple credit inquiries on the report that were not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of identity theft I reported like 2 years ago Ive had my phone stolen several time and since Im a very forgetful person I always have passwords and personal info in my notes on my phone I e gotten better about keeping that stuff at home but whoever it I doing this is doing it out of sought to ruin my credit cause I tell everyone how I. Trying to fix my credit so that I can start my life over so thats what they attack i my credit Ive had bank accounts set credit fixing agencies trying to get cars under my name the list goes on I filed for bankruptcy but still I got these credit building companies not wanting to remove the stuff off my account because they think it was me when it wasnt yes it was applied with my phones but those phones were stolen its driving me nuts cause if I applied for this stuff I hold own up to it but I did not and I would like all this stuff off my reprt
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Best egg calls continually throughout the day They are also calling my business number. I told them I am not allowed to receive these calls at work and gave them my personal information. They refuse to take my business number out of their system. I have emailed them directly, used the chat function and spoken to them on the telephone. During the chat function I was told my business number was deleted, yet I am still receiving calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the credit bureaus on inquiries that were not mine they said they cant take them off. they cant dispute them they remain for two year. this may be the  case if I authorized those inquiries but I did not. they told me to contact the creditors pertaining to the in inquiries which I did. they said I have to contact the credit bureaus. so between XXXX XXXX  and XXXX  I am getting the run around with no type of help
Product: Debt collection

In XXXX of 2023 I ordered some clothing to take with me on my XXXX. I ordered off a site called XXXX XXXX. Once I opened the package I realized all the items were not there, I immediately emailed the store, and I never got a response. I tried to file a claim with affirm and never got a response. I did not feel it was okay to have customers pay for products they did not receive and then ignore their efforts to reach you. Recently affirm placed a late payment on my credit report which was devasting because I take pride and paying my bills and on time, so I have reached out to them several times about this matter and finally on XX/XX/XXXX I was told I needed to reach out to the company they could not help me because it was over the time period they allow to file disputes. So, the fact that I have been ignored does not matter or the fact that i have spoken to affirm representatives multiple times. I feel defeated because I am getting ignored by one company and the other ( affirm ) won't help. My credit is affected by this and it is truly disappointing. I recently set up a payment plan to get the balance paid off just so i can try to savage my credit and not let it go to collections, but this is very disturbing.
Product: Debt collection

Portfolio Recovery llc told me i owed XXXX i told them that amount was not correct i asked for a copy of the orignal credit card statements showing what i owed i was then told if i didnt start a payment plan they would have no choice but to refer my case to the XXXX County DAs office in Texas and i would be charged with ( Theft of service ) and a warrant would be placed for my arrest! i refused to pay them i told them the broke fedral and state law they hung up on me and six weeks later i received a civil lawsuit
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score dropped 200 points in one year when nothing has really changed as reported by all three credit bureaus. 

I moved from XXXX  to XXXX  in XX/XX/2019. In XXXX  I had a house that I bought for {$86000.00} and I owed {$40000.00}. I sold the house and moved to XXXX. In XXXX, I was with XXXX  XXXX XXXX and had one credit card that I owed a thousand or so but paid all when I sold my house. 

I bought a house in XXXX  for {$76000.00} and now owe about {$40000.00} on it. There are no XXXX  XXXX XXXX banks here so I transferred my account to XXXX XXXX. With XXXX I have the same checking and savings like in XXXX. I have one credit card with XXXX and owe about {$2000.00}. 

So everything is almost identical except I live in a different state and my bank and house changed. 

Another problem is hard inquiries to the credit bureaus by XXXX XXXX. The inquiries stay on for two years and also cause a drop in score. XXXX XXXX makes a hard inquiry about every 15 months so it is a constant hit on my credit. I have not for 20 years even applied for anything from XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope this letter finds you in good health. I am writing to bring to your attention certain discrepancies that I have discovered in my credit file and to request their immediate removal. After carefully reviewing my credit report, I noticed that some personal information belonging to another individual has been mistakenly included in my credit file. As a responsible consumer, it is crucial to me that my credit file accurately reflects my information at all times. 

In accordance with the provisions of the Fair Credit Reporting Act ( FCRA ), I kindly request that you expeditiously eliminate the following inaccuracies from my credit file within the next 30 days. It is my understanding that the FCRA requires consumer reporting agencies to address such requests within this timeframe : References to XXXX References to XXXX References to XXXX XXXX References to XXXX XXXX References to XXXX XXXX References to XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts on XXXX  and XXXX have been closed but still show as deliquent. There are inquires that should be on the reports. XXXX XXXX XXXX XXXX These accounts are not suppose to show
Product: Debt collection

Paid off my XXXX internet bill 2 years ago and just started receiving bills saying I still owe for service and havent returned devices. Bill comes to XXXX. Bill was paid 2 years ago in cash. Device was returned.
Product: Debt collection

I am writing to formally request the immediate deletion of an incorrect account from my credit report. This account was purchased by a third-party debt collector, and the information currently listed is inaccurate and misleading. The address listed for this account and amount associated with this account are not accurate. Additionally, the account was settled for less than the amount originally owed by the third-party debt collector. Also there are mistakes in the address listed to this account which I highlighted as proof as a clear violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all information on credit reports must be accurate and complete. Therefore, I request that this account be deleted from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was remiss in not reporting the breach immediately and not offering a concrete " Yes you were affected ''. They took their time to report and just in the past week offered to try and make amends to prevent identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report for inaccurate information and Experian has failed to do a proper re-investigation into the following account XXXX XXXX acct # XXXX .they have not provided documentation or proof of any lates regarding this account .this inaccurate information needs to be removed immediately and updated to ( XXXX  )
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep receiving that they were working on my disputes and did not change anything XXXX was the confirmation number I received and the said that they had resolved it and did nothing I cant even view it I get its an error of it is currently unavailable what type of XXXX is this then when I finally got in today I got that I had no disputes I believe they discarded my info. And did not even work on my disputes. I had sent them proof and nothing was done.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date ( XX/XX/ 2023 ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should*NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been receiving letters in the mail for a while now about me owing child support money. Im not quite sure what any of that is about because my kids live with me and I have never been put on child support. I also got denied a credit card from XXXX  XXXX due to a low credit score. I have pulled my credit and I saw various child support items and loans on my account that does not belong to me. I strongly believe my identity has been stolen. Please remove these items from my report.
Product: Mortgage

We closed on a mortgage for our cabin with XXXX mortgage, in XX/XX/XXXX. We put down 10 %, so the amount of the loan was {$270000.00}, with a value of {$310000.00}. Post closing, the loan was sold to NewRez. 

In XXXX of XXXX, I called NewRez to inquire how to go about removing the PMI charge ( XXXX month ) from my account. I was told on the phone that the XXXX had to be lower than 80 %, then PMI would be canceled. In XX/XX/XXXX, I submitted a one-time principal payment of {$28000.00} to bring the XXXX below 80 %. 

In XX/XX/XXXX, I noticed that the PMI charge was still on my account. I called back, and was told that I needed to submit a request in writing ( via fax ) to cancel the PMI, which I did. 

The company responded to me via a letter in XX/XX/XXXX that stated that I would need to submit a check for {$750.00}, so that they could conduct a valuation of the home to determine that the value has not decreased. I was confused about this, and called to discuss. The customer service rep stated that the PMI would be automatically canceled at 78 %. I was very close to this amount, so I submitted an additional one-time payment of {$500.00} in XX/XX/XXXX. 

In XX/XX/XXXX, the PMI balance was still on my monthly statement. I called to ask, and they stated that PMI is only canceled below 78 % based on the ORIGINAL payment terms -- that additional payments do not matter, and I would still need to submit an additional {$750.00} for a property valuation, then they can assess if the PMI can be canceled. 

My complaint is that NewRez has been very misleading throughout this process. At least two different call center reps have confirmed that PMI would be canceled if I submit additional principal payments, which I have done. Now I find out that even though I have submitted additional principal, I STILL have to submit an additional {$750.00} for an additional valuation. Given that the initial valuation was done 18 months years ago ( and the homeowners market has only increased! ), this feels like an unnecessary expense that is designed to keep people paying PMI charges. I am very hesitant to pay this charge, since it seems like if I do, there will be another trick around the corner, and then I will be out the PMI charge PLUS {$750.00}. 

In addition, in all of these dealings- NewRez is intentionally hard to communicate with. Communications are only over the phone - so there is no record of what they told me. When I needed to submit a request in writing, this had to be done via fax. Who has a fax machine anymore?!? Then they respond via a letter several weeks ( or months! ) later, which is intended to delay this process further. Their refusal to use email to communicate indicates that they are trying to avoid a paper trail on their practices. 

Thank you for your attention to this matter. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19 a hard inquiry was placed on my XXXX credit report from Bank of America. This inquiry was not initiated by me nor did I give anyone consent or authorization to apply for any credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Ladies and Gentlemen, This memo is being written in hopes the Hard Inquires in questioned on our credit reports will be removed as soon as possible. In XXXX of 2021, myself and my Registered Domestic Partner applied for a loan from Navy Federal Credit Union. We are both members and felt this entity would give us the best rates. We paid for a credit report and found out later ( about a month ), the credit report was done twice XXXX XXXX and XXXX XXXX. The loan agent that we were dealing with via email never responded to our questions regarding the second hard inquiry placed on our credit report, nor were we getting any responses from the loan officer regarding the status of the loan. In late XXXX of 2021, we went to a nearby branch and complained that we had not heard from the loan officer and had concerns regarding the hard inquires placed on our credit reports. The Manager at the XXXX XXXX branch informed us that Navy Federal Credit Union no longer had Mortgage lenders inside of the branches, and she would take our complaints to the loan officer 's Supervisor, and someone would contact us as soon as possible. It was two weeks before we received a call from ( XXXX XXXX ) Supervisor ( XXXX XXXX ). XXXX XXXX apologized and stated they were super busy, and that the second inquiry was a mistake and she would have the entry masked. " The entry has not been masked ''. 
Although, they both started requiring more information from us, we never spoke with either one of them over the phone, all of our correspondences were via email only. The first extra entry dated XXXX XXXX remained and I started calling and emailing with no response until I contacted XXXX and started disputing the entries. There are now four extra entries dated XXXX XXXX, XXXX XXXX, and XXXX XXXX. We only authorized the XXXX XXXX inquiry. The others were done without authorization, and they never explained why they were doing these extra inquires without explanation or approval. Once, I started calling XXXX and disputing the hard inquires the Manager ( XXXX XXXX ) started emailing me and denying that the inquiries were made by her or the loan officer. When disputed through XXXX the company simply stated the inquiries are a factual record of file access and will remain on the XXXX credit file for two years from the reported date of inquiry. Please help us to resolve this matter. They were not given authorization to make more than one inquiry into our credit profiles. Thank you so much for your time and patience. 

XXXX & XXXX.
Product: Debt collection

This account in particular has been my collections for over a year now I've been trying to get it out of my collections. I even took the initiative to pay the balance even though they were trying to charge me double what I was loaned. Both XXXX  XXXX. And capital one or both set up, paid in full, and should be removed out of my credit immediately.
Product: Debt collection

I have repeatedly tried to contact XXXX XXXX XXXX to no avail. They have placed unknown negative accounts on my XXXX, XXXX and XXXX  credit reports. This negative account is hurting my ability to apply for new credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove the accounts from my report. They are hurting my ability to obtain credit
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXXXXXX XX/XX/XXXX {$1700.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

On Monday XX/XX/2020, I received a call from XXXX from rep XXXX XXXX with IC Systems. I was advised I owed a bill to XXXX XXXX. At that point, I advised them I was happy to return the phone to be credited to whatever bill may exist. Under the agency relationship, returning the phone to the client served to mitigate the collectors clients damages. As such, he had a legal duty to take the proposal to his client to accept the phone to mitigate the damages. The collector refused to even take the proposal to his client. 

Second, not only does XXXX have a duty to mitigate under the eyes of the law but I believe under the original contract it includes a clause that each party has a duty to mitigate. Because XXXX refused to accept the phone and provide an updated balance they are in breach of contract since both the law and the four corners of the contract stipulate each parties duty to mitigate damages. 

As a result, not only has XXXX threw its agent violated contracts law in general. They have also violated the Kansas Consumer Protection Act. As such, I am drafting a petition to file suit against IC Systems. 

Its also worth noting, IC Systems took no basic stamps in accordance to verify my identity like verify my date of birth of the last 4 of my social security number. 

IC Systems has a firm with over XXXX employees and revenues in excess of {$350.00} XXXX per year. Their choice to engage in aggressive, unconscionable, and illegal practices despite their having significant resources to conduct business within the bounds of the law is the exact kind of actions that will justify my request for punitive damages in the petition. 

Finally, they contacted me on my cell phone that I have had for less than 3 months and refused to provide me with where they located my phone number from.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and there's a lot of inaccurate information and unauthorized infractions as well as fraudulent information such as address and unknown phone numbers reported on my profile. I request that this information be removed under 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than XXXX business days after the date of receipt by such agency of 15U.S code 1681i Procedures in case of disputed accuracy ( XXXX ) Reinvestions of Disputed Information ( A ) In General Subject to subsection ( f ) and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, The agency shall, free of charge, conduct reasonable reinvestigation to determine whether the disputed information in inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ) before the end of day period beginning on the date on which the agency receives the notice of the dispute from the consumer or seller