23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

For several years now, I have been working to pay off an American Express card, which I only got because it was the only card to use at XXXX. When I tried to make arrangements, AMEX called in a collection agency, XXXX and XXXX, which took it to court. Eventually we worked out things and the bill was paid, however, I had to agree not to apply for an AMEX card again, which was OK with me. Now for the second time in just a few months, American Express has specifically targeted me to apply for an AMEX card, which would violate my agreement through XXXX. I find this harassment.
Product: Debt collection

I am in receipt of your letter dated XX/XX/XXXX. I have given you written communication more than once that the accounts listed are a result of identity theft. I request that these unauthorized accounts are closed, take steps to permanently remove any information about these accounts from my credit file. These accounts are in dispute and do not belong to me. 
Acct # ( XXXX ) XXXX XXXX in the amount of {$1300.00} Acct # ( XXXX ) XXXX XXXX in the amount of {$1700.00} Acct # ( XXXX ) XXXX XXXX in the amount of {$48.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent dispute letters for the inaccurate accounts to be removed from my credit report on XXXX/XXXX/2019, XXXX2019,XX/XX/XXXX/2019, XXXX/XXXX/2019 and XXXX/XXXX/2019. However they never sent me documents to show me how they verified the accounts but per " XXXX XXXX. XXXX '' and it should have been deleted per Section XXXX XXXX a ) ( XXXX XXXX ( A ) ( i ). I also sent a letter with Section XXXX XXXX a ) ( XXXX ) ( A ) to show me the physical documents and they have not.
Product: Mortgage

After reviewing my credit report I notice a foreclosures from a mortgage company called Caliber Homes that I never heard of or had a mortgage with! The only mortgage I have had was through XXXX mortgage. I then realized there were XXXX foreclosures from the same property. My wife and I went to court and lost our home to XXXX in 2013. 

I submitted a dispute with the credit bureau regarding Caliber Homes and requested the name, address and telephone number, of who they contacted in order to verify the information. I informed them that I was putting a file together of all names, titles, and documents. This would provide me with legal documentation if I need to take this to court. 

. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far none of them has been able to provide such proof to me. I have sent follow-up letters and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished. 
I went to the county court and got a copy of the foreclosure all documents had XXXX. I spoke with the staff at the county court and they also could not understand how a company could place a foreclosure on a credit report without taking them to court because XXXX is a judicial foreclosure state. 
I 'm demanding the Caliber homes remove this from my credit report. 
I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX v XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court.. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 
Please see attached documents.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XX/XX/XXXX
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, has violated my rights .

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

15 U.S.C 1681 Section 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

Grain XXXX has been knowingly reporting false information to the credit bureaus and has damage my credit over XXXX points.saying my account is delinquent as well as prior not reporting payments Since XX/XX/2021 I have been asking and demanding grain to fix the matter with no resolution in sight. They never updated my payment method on file to make payments have been charging me late fees and interest on an account they had yet fixed so I can make payments. Instead of resolving the matter they just reported as if I didnt make payments and charged me fees. I have an entire XXXX XXXX I plan to sue them if this isnt fixed and how can I just get this fraudulent company to return my security deposit as well as remove them altogether off of me credit report because they are fraud at this point. No one tries to help and just recently customer service today on XX/XX/XXXX and XX/XX/XXXX just now sending a link to make a payment after they have already damaged my credit put on late fees requesting me to pay so they can fix it when its already damaged I been trying to pay the entire balance off for MONTHS me paying it off now will not fix the issue they need to fix and report to the bureau so my credit is fixed once they do that I have no issue paying and requesting my {$200.00} security deposit back as well. This company has been moving very untrustworthy I dont trust them to follow through on anything and they barely respond back. The degree and damage this caused Im turned down on things now. Im not the only one who this company has had this issue with them in regards to payments and wrongful credit reporting its all listed in the XXXX XXXX under grain the digital credit card. They need to report the last amount they last reported so my credit is fixed and allow me to make my payment and report that in timely filing as well in which they have failed to do as well its a huge mess with this company and very unacceptable.please see below I have attached some info as proof as well as complaints from other people who have been going through this as well
Product: Debt collection

I have been disputing with Source Receivables Management against inaccurate and unverified collection account on my credit reports. I have sent letters informing them that I am unaware of this account with them, sent debt validation letters for proof and evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay the alleged debt to them. I have attached most of those documents that I have sent to them. I have yet to receive any response from them with the proper proof. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right to request validation of any alleged debt a business says that I owe it. It also states that upon receiving this validation letter, one must cease from collection calls, letters, and efforts and delete the account from my credit files until the debt can be validated. This is a clear violation of the FCRA. Also, the bureaus have been reporting collection agencies own the same accounts. With XXXX, as of XX/XX/18, it shows that Source Receivables Management collection agency owns XXXX XXXX at {$1200.00}. However, XXXX, as of XX/XX/18, shows Source Receivables Management collection agency owns XXXX XXXX at {$1200.00}, and Receivables Performance Management collection agency owns the same XXXX XXXX account listed with Source Receivables at {$770.00}. It is a violation of FCRA law to report various inaccurate and unverifiable collection accounts owning the same accounts with different balances within the same 30 day period. I have included pictures of my credit reports to verify my claim on this. Please help me to get Source Receivables to delete these inaccurate and unverified accounts from XXXX, XXXX, and XXXX. I have been fighting with them about these accounts for over three months.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/19 XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX   XXXX XXXX, MI XXXX RE : Unauthorized Credit Inquiry To Whom it May Concern, I have recently obtained a copy of my credit reports that reflects two credit inquiries made by your company that I do not recall authorizing. 
This letter is your formal notice to remove the unauthorized hard inquiry your organization has made to my credit report. This is also a formal request for you to immediately contact the credit reporting agencies and credit bureaus, to have these unauthorized inquiries removed. 

To the best of my knowledge, I did not sign any documents authorizing your organization to view my credit history. As such, your inquiry violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions not initiated by Consumer.

If you have any documents that you believe authorized your organization to make the inquiry, I respectfully request a copy of it to be sent to my address so that I may verify its validity. Given the growing nature of identity theft, this verification will protect both our interests.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, For some reason I am not appearing on any of the credit companies. I have been an authorized user on a few of my cousins accounts. I been using those cards building credit. But it never seems to show when I look up my credit score.

I am hoping that they look deeply into this and see I have been making payments and doing what I need to do to build credit.

I go back and fourth between my cousin 's house and mine and get mail at both but for some reason nothing shows. Was just on my credit karma account today. This has been going on a few months now.
Product: Checking or savings account

Somebody stole my card an the pin wasn't with the card I want my money back they denied my dispute they wouldn't even let me send the a police report they block my account
Product: Credit card or prepaid card

In XXXX of  2021 I applied for a XXXX XXXX  credit card as I was prompted to  before I paid for items I was buying because it said if I used a XXXX XXXX credit card I would get free shipping when using my XXXX card on items I purchase online at XXXX. 
Suddenly, this week, I received a letter from Wells Fargo XXXX XXXX XXXX credit card ) saying that they were writing to  let me know that they stated all the XXXX XXXX credit card benefits when they sent me my XXXX card and  they were now taking away : 1. Complimentary standard shipping for online orders and  that I had to  make {$2000.00} in purchases before I could get free shipping and  that was EACH calendar year. 
2. That they incorrectly informed me that this benefit and  others, including bonus point offers, private shopping events, and  dedicated 24/7 customer service were incorrect. 
3. Charges for standard shipping for online purchases and  in-store gift wrapping will apply until you reach Elite status.
Product: Money transfer, virtual currency, or money service

I was scammed by a person claiming to make a headstone from XXXX. My brother wanted to go to XXXX but tragically died at the age of XXXX. I paid a deposit of XXXX dollars through XXXX and another XXXX through XXXX. This was XXXX more than previously agreed upon to contruct and deliver the stone. When the scammer ( XXXX or XXXX? ) asked for more money and I refused and said I would like a refund, they vanished. No more ad. No more contact. Chase bank refused to contact XXXX and XXXX. XXXX and XXXX refused to contact my bank. They said they are not responsible. I was denied a refund lost all of the money. The scammer preyed on my emotions and the death of my brother and gathered my personal information. These financial institutions are enabling the acts of this scam and did not take care of me by even trying a chargeback. I'm sure the scammer will do it again if there are no consequences.
Product: Credit reporting or other personal consumer reports

I have received my XXXX Consumer Disclosure Report and I found some incorrect information that XXXX and Transunion is using to verify my disputes. The inaccurate information is hindering my ability to secure credit. Please conduct a proper investigation on the below disputes. 
I am disputing the incorrect reporting of a Bankruptcy on my XXXX Consumer Report. This Bankruptcy was Vacated/Dismissed. Dismissed Case mean that the lawsuit is closed with no Finding of guilt and the legal affect is that the Bankruptcy is deemed Void.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint as a follow up regarding remaining unauthorized inquiries and the inquiries I recently noticed on my 3 credit reports. Again, while XXXX has successfully removed all the unauthorized inquiries just this recent days earlier, when I habitually checked my XXXX credit report, I noticed these 5 unusual inquiries in it, the thing is when checking my records regarding those specific days I found none of the said inquiries I made to the companies. The same thing for Experian and, in particular, XXXX. Like I said in my recent complaint the Experian has removed most but not all of the specified fraudulent inquiries, with two inquiries remaining unresolved. However, from XXXX Credit Bureau there was no action has been taken to remove any fraudulent inquiries, and now these additional 6 inquiries added to my issues I need to fix in my credit file. I kindly request that Experian, XXXX and XXXX Credit Bureaus promptly address the following fraudulent inquiries : EXPERIAN : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. I want to ensure that my credit report accurately reflects my creditworthiness and remains free from unauthorized entries. As a consumer, I expect full compliance with the Fair Credit Reporting Act ( FCRA ) Section 605B, which mandates credit bureaus to investigate and respond to consumer disputes within 30 days. Considering that several months have passed since I initiated these inquiries, I request immediate action to resolve this matter.
Product: Credit reporting

I would like to dispute the account that  Consumer Portfolio Services  #  XXXX  has reported on my credit file. I sent a certified letter to the company by mail to the address provided online from the credit bureaus fo r Consumer Portfolio as  100 % accurate. The letter was returned to me as undeliverable and I provided a copy of the letter and a copy of the address provided by the credit bureaus along with this request. Please remove this off my credit report, the company is not accessible and can not prove this account is 100 % accurate. This is a violation according to The Fair Credit Reporting Act,  15 U.S.C. 1681. T his account is hurting my credit profile and I request that you remove it immediately. Please see the attached documents showing my attempt to cont act Consumer Portfolio.    Thank you in advance
Product: Debt collection

.My report shows a repossession on it so I wrote them requesting the notice of sale and the company never responded. I sent two requests and still no response regarding this notice to sale that I never received. On my credit report it shows I owe XXXX but i believe this creditor is a predator and tricked me into financing a unreliable car and i gave it back to them. My first letter sent requesting this information was on XX/XX/22 tracking number XXXX XXXX XXXX XXXX XXXX and the second one was on XX/XX/XXXX with tracking number XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please be advised that as of XX/XX/2024 as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : XXXX XXXX This is the 4th time I am reaching out in regards to this concern and Experian is the only bureau that seems to keep coming back with this information. 

How is that so? What information are you getting that the others are not? 

I want to be explicitly clear with my request. I am not requesting validation of debt ; but Instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. 

Starting 15 days from the day you receive this letter ; I am demanding you provide the supporting documents and PROBABLE evidence that I have any obligation to the abovementioned accounts. If you are unable to produce what I have asked for within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice. 

Warm Regards, XXXX, XXXX Without prejudice, all natural inalienable rights reserved
Product: Credit reporting, credit repair services, or other personal consumer reports

On 7 separate dates ( on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX, and XX/XX/XXXX ), I have disputed the erroneous XXXX XXXX tradeline on my Experian report to no avail. Even XXXX XXXX has reported to me that they requested that Experian remove the tradeline from my Experian credit report. However, Experian has failed to do so. I have sent several requests to Experian requesting a description of the method that they used to verify that the debt belongs to me. After more than 90 days, they still have failed to do so even though they claim to have verified that debt on more than 7 different occasions. My rights are being violated.
Product: Credit card or prepaid card

On XX/XX/XXXX, I entered the XXXX XXXX  in XXXX at XXXX, located in XXXX MD. Upon entering the store, I picked out a few pieces of jewelry and proceeded to the counter, I offered the clerk my credit card ; which I've had since XXXX and have no late payments ; after processing my transaction, she proceeded to tell me she had to call in the charge, the amount was below {$300.00} and my credit limit is {$4000.00}, I thought it was strange, but waited. After a few moments the store clerk gave me the phone, the person on the other end told me that because of the state of my credit, they would not be able to process my transaction, and that they'd be closing my account, that day. I did not give XXXX XXXX  permission to check/run my credit, they did not have my consent, or my knowledge that it was even happening. 

I have no late payments to this account, I pay every month, on time, and can't understand how or why this happened. To date, I have not received a letter explaining this decision, as companies often do when you're denied credit.
Product: Debt collection

I had an account sent to collections that I do not recognize, and I received no written notice of this debt. I can not verify I owe the money, and all my other accounts are in excellent standing, this makes no sense. 

The account is with " RMP Services '' and the amount is {$740.00}. Again, this is not mine, and I have never heard of them, nor do I have any delinquent debts.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 # # # Personal Information to Correct : - **Incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please list inquiries you would like removed ]
Product: Money transfer, virtual currency, or money service

Unauthorized transactions from my account. Their investigation was to tell me transactions were authorized without providing evidence.
Product: Mortgage

Account/Product Type : Address : XXXX XXXX XXXX XXXX XXXX, NJ XXXXCountry : United StatesEmail Address : XXXXPhone Number : XXXXInstitution Information : Complaint At 1st loan consultant XXXX XXXX NMLSR ID XXXX says all looks fine by 1st week of XXXX and said lets proceed with the applications, after he checks the DTI he runs my credit. since iam very sensitive about my credit, i always have the consultant make sure that number works and them allow to have my credit pulled. so beginning of XXXX before covid-19 hit newjersey, the application process was started. after multiple follow up, XXXX calls me end XXXX and says all the XXXX about market and says wellsfargo has stopped looking into the applications because of what going COVID-19 situation. which i think is totally unjustified when the applicant has good score/ good income / good rental income/ good equity in the collateral then Ms XXXX XXXX , NMLSR XXXX calls me another day and gives me XXXX about very less equity in the collateral without even doing an appraisal. then i get a call from executive office telling me that wells Fargo has guild lines that when some one owns more than x number of properties will not be considered, he even tells me that the consultant is not suppose to let the client know about the guild lines and do not discourage the client from applying this was the worst answer i ever got from any lender in my past 15 years of working with loans wells fargo again is misleading clients and this practice of not letting the client know about the guild-lines is not acceptable
Product: Checking or savings account

As a reported identity theft, i notify to Capital one 360 and capital one with a checking account and savings account i used to had with them, so after few days review, they reopen my account, but they continue on " internal verification '', so after 2 weeks probably, they closed my accounts, and say they ending relationship with me ... but im sure that can change because i made the report based on my identity theft