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

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Personal Information : Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Previous Address XXXX es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Employers : XXXX XXXX XXXX : XXXX XXXX XXXX Also Known As : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recognized unauthorized inquiries reporting on credit karma, I sincerely request that these unauthorized inquiries stop reporting for I have not supplied proof under the doctrine of estoppel by silence, Englehardt vs. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/2021 I reviewed my credit report with XXXX, XXXX and XXXX. I had noticed a collection item was placed on there for Centron Services Inc in the amount of {$2200.00}. Account number displayed was XXXX. I called the collections agency which was named Centron Services Inc with a phone number XXXX. I spoke to a male collector. I advised the rep who answered there are multiple violations regarding the FCRA. Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you Centron Services Inc has failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Also Centron Services Inc did not send me a letter in writing to give me any notice of such debt. They are legally to send me a letter in writing allowing me 30 days to dispute the validity of a debt in which they did not. They put it on my credit report with no notice. I requested proof bearing any documents with my signature on it with Centron Services Inc company documents or any letterhead. They have been unable to provide proof of my signature on any of thier company documents. 

Also, the creditor they claim i owe funds to is being sued in a Class Action Lawsuit, please see Christine Skinner, et al. v. Glacier Bank. Centron Services Inc is unable to validate any true amount owed.
Product: Checking or savings account

Last year I was offered a job on XXXX XXXX I did my research and found the company to be legit. I also had paperwork correspondance as to what my job would be. I was to recieve a check and send the money I questioned it and was give a reason that was online with truth about delays, however I was still concerned. I deposited the check but did not withdraw any funds as I was still unsure. When the check came back it was fraudlent. after being a long time customer my account was closed with no regards to me relationship.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and the suspects use my identity to obtain apartment leasing, identification cards, credit cards, and motor vehicles loans with my credit. I filed a police report and also filed a FTC report ( XXXX )
Product: Checking or savings account

I have been a Chase customer for almost 10 years. My activity with them has always been incredibly normal and transparent. On XX/XX/2023, my account was restricted and I was asked to call the bank. After I called, they mentioned ( in a recorded line ), that they had decided not to continue doing business with me, that my account would be closed within 10 days, and that my funds would get to me through a check 10 business days after that. They mentioned that they would not state any reason for my account closure, but that I had done nothing wrong. I waited for weeks and had been calling to see where my funds where, but nobody could ever give me a definite answer. This wait has caused immense financial strain and mental anguish, as I have run behind on car payments, credit card payments, medical bills, and all of my everyday expenses. Finally, I decided to open an investigation through the Chase Executive Office last week. As I called today ( XX/XX/2023 ), I was now given an entirely different version. They said that my account is being investigated but they could provide no details, no timeframes, and no reason for the investigation. This is absolutely surprising for me, as I am a business professional who has a W2 XXXX job and a small venture creating product unboxing videos. All of my activity is absolutely clear. Now, I have {$10000.00} retained, which represent all of my savings, and have been put to incredible financial strain due to this. I definitely do not deserve this treatment and I am asking for a prompt resolution to my situation from Chase.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was like looking at my credit report and it showed multiple loans had been taken out of my account that I did not do. There is two student loans taken out this year in XXXX of XXXX that I did not file and they are up to XXXX.
Product: Credit card

This report I am making is because Wayfair closed my account without any prior notice, I did not receive a notification email about this and I never received a letter about this either. I already called wayfair and they tell me that they can't do anything, they just tell me that I should apply again but I don't want to apply again because that means a new hard inquiry on my credit report and I don't want it. I want them to explain to me why they did not notify me about the closure of my account and they have to reopen mi account. Today XXXX I already called 2 different agents XXXX and XXXX. Both of them They same the same It's closed, we can't do anything. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I had dispute this hard inquiry on my account and you guys did the research and it came back correct that it was wrong. That was done most ago and still today it still pops up on my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report where I disputed a collection account with XXXX XXXX XXXX XXXX XXXX   the credit bureau stated they had verified the information as accurate however I received a copy of the itemized billing and signed contract today and their are several issues which require the item to be removed from my credit file 1. The name of the collection company on credit file is XXXX XXXX XXXX however the name on the letter of validation has XXXX XXXX XXXX 2. I also received the same paperwork from another collection company name of XXXX XXXX 3. One set of paperwork have the name and signature for service as XXXX XXXX the other has the name as XXXX XXXX but signature page as XXXX XXXX it is clear this paperwork has been tampered with and or altered 4. Why is two different companies attempting to collect on the same bill it clearly the same account number on all paperwork 5. The signature page doesnt give the collection company any rights to contact or collect from me I do not have a signed contract with them 6.since the original hospital contract states XXXX XXXX and XXXX XXXX ... ..They are in breech of the contract by assigning it to a collection company 6. Also the billing information provided is in violation of the HIPPA policy as the lab work testing and information should remain  private Im currently a patient of XXXX XXXX XXXX were I have a established repayment plan on any and all outstanding hospital bills please see attached ledger of my account with them were it clearly shows a zero balance on the before mentioned collection item account number
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whomever This May Concern : I am a victim of identity theft/fraud. I have disputed the information through the credit bureaus and I received a letter in the mail stating that they did n't think that it was me that initiated the disputes. One account, XXXX XXXX XXXX was removed and deemed that it was indeed fraud. I am expecting that to happen with these other accounts. I am attaching my DL, a copy of my identity theft report, and a current utility bill. My expectation is that these accounts are removed off of my credit report immediately. The accounts are as follows : XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, and XXXX. I truly appreciate this being rectified immediately.
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to request your assistance in resolving a billing issue I am currently experiencing with SoFi regarding my personal loan. Despite my numerous attempts to resolve the matter directly with SoFi, the issue remains unresolved, and I am hoping that the Consumer Financial Protection Bureau can intervene to help facilitate a resolution. 


In early XXXX, I contacted SoFi to request that my loan payment due date be changed from the XXXX to the XXXX of each month. I initially asked the customer service representative to process this request for me, but I was instructed to submit it myself. The representative guided me through the steps, and at the time, I had automatic payments set up for my monthly loan installments. When I asked how my request would affect the automatic deductions, I was assured that the change would only take effect for the following months payment if the next automatic deduction was processed as scheduled. 

Unfortunately, this is not what happened. On XX/XX/year>, SoFi deducted {$1100.00} from my checking account. Then, on XX/XX/year>, another payment of {$1100.00} was taken from my account. Realizing that two payments had been withdrawn in the same month, I immediately contacted SoFi to request a refund for the second payment. I was told it would take 7-10 business days to process the refund, which was frustrating given that the error was on SoFis part. 


In the meantime, I contacted my bank, XXXX, to report the duplicate charge, and an ACH dispute was opened. On XX/XX/year>, my checking account was credited {$1100.00}. I initially believed the issue was resolved, but I was shocked to begin receiving calls and text messages from SoFi claiming that my account was past duean entirely inaccurate claim, as my account is current. 


Today, on XX/XX/year>, I contacted SoFi again in an attempt to resolve the matter. I spoke with XXXX, a supervisor in the personal loan collections department, and explained that my account should not be marked as past due and that SoFis error could potentially harm my credit. While XXXX escalated my issue by opening a support ticket, he did not provide any guarantee that the situation would be resolved, nor did he acknowledge SoFis responsibility in this matter.
Product: Credit card or prepaid card

Wells Fargo account since 2000 I have been overcharged mortgage fees Credit card fees Checking account fees
Product: Credit reporting, credit repair services, or other personal consumer reports

I have credit inquires on my credit report that I don't recognize and I never gave them authorization to run my credit multiple of times or don't recognize at all XXXX 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

Transunion deleted The XXXX of my credit report in XX/XX/2016. then put it back on my report under a new name XXXX. I would like this delete once and for all this is not my account under know name.
Product: Mortgage

I have a mortgage with XXXX XXXX XXXX. I have been making my payments every month. Then when Hurricane Harvey Hit my city, Caliber told me that they deferred three months of my mortgage payments and put them on the back end because we were effected by the storm. When the time came that they told me to start making my payments they would not take my payment. They told me to wait to hear from them. I kept calling only to find out that they are not keeping their agreement and won't take my payment. It is as if they are trying to set me up and steal my home. Please help me with this critical matter. I have my payment that they told me to make and now they are telling me I need those three months of back payments as well. This is so very wrong
Product: Credit reporting or other personal consumer reports

I trust this message finds you well. I am writing to follow up on my previous communications regarding the correction of a late open account. This serves as the many formal attempts to address this matter. 
As previously discussed, there is an error in the opening date of one of my accounts, which is negatively impacting my credit history. Despite my repeated efforts to rectify this issue, the necessary corrections have not been made, and the late open account continues to inaccurately reflect my financial standing. 

It is imperative that immediate action is taken to rectify this matter and ensure that my credit report accurately reflects my financial history. I urge you to prioritize this issue and expedite the process of correcting the late open account. With this, I am asking for your assistance to correct this account in my credit file : XXXX XXXXXXXX XXXX XXXX Opened XXXX. XXXX, 2022 Balance : {$10000.00}.
Product: Mortgage

I used the forbearance plan with freedom mortgage. The whole time they told me that there would no fees. I was placed in what I thought was a government loan repayment which I was told it would just go to the end of the loan. They sent a letter saying I was denied, when I called they said the had started an application and was just using my old info and they never sent me anything. They said I dont need to send anything in. Freedom mortgage said they lowered my payment to {$1800.00} a month with a modification to my loan. I thought great. When I revived the paperwork it had a XXXX XXXX lien that would be added to my house. They never told me that, would happen and now they are jerking me around, and if I dont sign they could force me to foreclose in my house by making me pay everything back at once. 
I have documents stating that no fees would be charged. They are also giving short turnaround date and if you miss it then they think you will pay everything at once. 
There is more also. I wonder how many people are they doing this too? Or people who dont read there documents and are trusting them to do the right thing. 
Freedom mortgage is trying to intentionally take peoples homes. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the app XXXX XXXX  to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of times. These accounts and inquiries were not made by me. Please take these unknown items off my report. 

XXXX  XXXX {$510.00} XXXX/XXXX  XXXX {$570.00} DEPEDXXXX  XXXX {$1000.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$13000.00} XXXXDEPT OF ED XXXX {$10000.00} XXXX  XXXX  XXXX {$170.00} XXXX XXXX  XXXX {$460.00} XXXX XXXX XXXX {$650.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$10000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS.

XXXX, Transunion and XXXX  did not block the data on the credit file.

XXXX, Transunion and XXXX  has made no attempt to properly follow section 605B of the FCRA. 


XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit reports are inconsistent. I continue paying down my credit cards on my credit report does not go over XXXX for the last XXXX  years has been a real inconsistent pattern with my credit report. Please investigate this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX, XXXX XXXX  XXXX XXXX, NJ XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$990.00}, XXXX XXXX XXXX Balance : {$610.00}, XXXX XXXX XXXX Balance : {$0.00}, CXXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX are reporting on my personal credit file with ( XXXXExperian/XXXX ) credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The XXXXredit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me
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 : account # XXXX XXXX XXXX XXXX : account # XXXX XXXX XXXX XXXX : account # XXXX These collection agencies have 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 an 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. 

632 of the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting inaccurate information after many attempts to try to get this corrected the company has yet to respond to any of my information submitted to them. They are reporting inaccurate across all 3 bureas. Information needs to be removed from the credit report.
Product: Debt collection

Date was XXXX Amount {$730.00} CREDIT MANAGEMENT Ive tried to dispute this with XXXX   and they dont want to remove it XXXX has remove it I do not have any knowledge of this account I shouldnt have this on my credit it I did not authorized this account
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reverse the late payments reported on the following accounts : XXXX XXXX and XXXX XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Product: Checking or savings account

Since opening account, Ive been hit with multiple fees towards overdraft and Oops fees. Ive lost XXXX money and report was taken, nothing done about money taken falsely {$170.00} on XXXX.
Product: Credit reporting or other personal consumer reports

I have several hard inquiries on my credit report I did not make neither did I authorize those hard inquires. I have disputed these items several times and Equifax refuses to do anything about this situation. this situation needs to be resolved
Product: Credit reporting or other personal consumer reports

I froze all credit because eight years ago it was brought to my attention that my identity had not only been stolen but had been being used by numerous different fake companies to use my credit information. It has been a nightmare. I just learned my information is on the dark web. I need help to regain my identity and real credit score for the future.
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  XXXX Account Number : XXXX and list of Inquiries XXXX 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.