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

Please note XX/XX/22 I after applying for a line of credit I was denied because of fraud alert thats not supposed to be on my equifax file in fact still is. After speaking with agent for XXXX XXXX  confirmed there was a fraud alert indeed still on my profile. I since file a federal complaint with my states attorneys office this is unacceptable. I also payed for equifax monitoring subscription. And was blocke out of that as well. I received a code stating that to contact them. With a the code BLNK. If my credit report is not restored immediately I have been advised to take legal action for defamation and violations under the fair credit act
Product: Debt collection

A man named XXXX XXXX from Steven and Michealson Associates keeps calling me regarding a debt that I do not know anything about. He keeps persistently trying to tell me that I work for some company that I DO NOT WORK FOR! He is harassing me and my family. He calls numerous times despite me informing h I do not know what he 's talking about. He leaves numerous voicemails daily on my personal cell phone. This is outrageous and needs to be stopped
Product: Credit reporting or other personal consumer reports

I received my credit report on XX/XX/scrub> 2024 and notice there were accounts that do not have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violationg my rights under 15 USC 1681b. I also have attach the hard inquiries that don't have no purpose to belong on my credit report. 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, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE 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. I also asked for the original contract to be provided and it was not.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of the account information listed below, as it is negatively impacting my ability to obtain credit. The reporting of this charge-off account appears to violate both Metro 2 compliance guidelines and the Fair Credit Reporting Act ( FCRA ). 

Reasons for this complaint include credit reporting agency Experian inaccurately reporting negative items not verified on my credit profile listed below is the items in questioned and not verified and are reported as charge-offs. 

I demand an immediate investigation and deletion of both Charge-Offs Creditor/Company Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Last 4 Digits ) : XXXX Type of Account : Charge-Off Date Listed on Credit Report : XX/XX/XXXX & XX/XX/XXXX I have tried several times to dispute these items from my credit profile XXXX XXXXXXXX. I never renewed a least with them the automatically did it then have been charging me late fees for an entire year now and they are purposely negatively impacting my credit I have paid my original least off I did not renew with them. 

Great lakes credit someone stole my debit card during XXXX I reported it and over the phone and I also filed a identify thief report they closed my account but have place a charge-off balance of {$71.00} on my credit this has been 2 years of me disputing through Experian to absolutely no help they do no investigation and place the account back on my profile in less than 30 days in all cases. this violates both Metro 2 compliance guidelines and the Fair Credit Reporting Act ( FCRA ). 

Additionally, I have not received a 1099-C form for this alleged debt, which is required under the Internal Revenue Code, Section 6050P. According to IRS guidelines, creditors must issue a 1099-C when a debt is canceled or charged off in the amount of {$600.00} or more. Failure to provide this form is a violation of federal tax reporting laws. I am requesting an immediate copy of the 1099-C form as required by law.
Product: Mortgage

Last year around XXXX of XXXX, my boyfriend was making payments on the home loan and began to miss payments. By the time that I realized what was happening, I was almost {$20000.00} in arrears. I began making payments to catch up the balance. In the meantime, I XXXX with the XXXX  XXXX XXXX XXXX to XXXX. We began premobilization in XXXX of XXXX. Our Title 10 orders published for XX/XX/year>. I am currently in XXXX. I have continued to make payments but the company has not acknowledged my XXXX  service and has now quit taking payments and will not allow me to make payments on the VA loan. I understand that my XXXX status protects me from eviction throughout the XXXX and for an additional 12 months. Really, I am trying to catch up the payments. The service charges and extra fees aren't helping and the company refusing to accept payments doesn't help either.
Product: Credit reporting, credit repair services, or other personal consumer reports

Without my authorization CBCInnovis made a hard inquiry that i believe is a violation. CBCInnovis is a company I do not recognize. I called the company and after a run around, XXXX XXXX told me that they would investigate the inquiry to provide proof of my authorization.. They then mailed the investigation report that included a unsigned loan application and unsigned authorization to release information claiming this my authorization. It is not it. I called XXXX again and call was unpleasent. Now CBCInnovis say they are just the middle company providing a service to a bank and that I should call the bank. CBCInnovis business practice and information control are seriously flawed and need to be corrected to protect consumers Details Hard Inquiry Dated XXXX XXXX, XXXX CBCInnovis 1st Call  about XXXX XXXX, XXXX Mail recieved XXXX 2nd call XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed in a Annual  Credit Report Request Form to all 3 credit bureaus but received no response. I set up an account online with XXXX and made 4  attempts to get a free credit report but they insist on charging me ; and their phone is automated with no helpful option that goes back to where it was before. I tried to get a free credit report from all 3 credit reporting agencies online but they refused.
Product: Money transfer, virtual currency, or money service

on XX/XX/year> I wire {$5700.00} dollars to XXXX XXXX XXXX XXXX XXXX XXXXXXXX for a XXXX XXXX XXXX, for same reason the wire transfer shows only the bank name and so they told me to cancel the wire, and I call Wells Fargo to cancel the wire money, and I pay whit my debit card, but the Wire money never came back to my account. Talk to XXXXXXXX XXXX XXXX XXXX XXXX. they told me they returned the money on XX/XX/year>, Sender reference XXXX XXXX.
Product: Mortgage

I have been in default of my mortgage, and since i was not able to keep up with the payments due to some unforeseen circumstances, they offered me to do a loan modification. I finally went ahead and did the modification ( even tho I was skeptical about it ) but in the process they said i would still have to make payments on my home so i would not lose it while being considered for a loan modification. I took a loan out on my XXXX OVER XXXX and flagstar said it had to be a cashiers check, well I followed every instruction that was given to me at the time, but no one ever said it is in underwriting and had then been approved until i applied the cashier check to re-instate the loan. Come to find out, I was not suppose to re-instate the loan while under a modification. my contact person said it would be okay, just keep paying the amount of the loan modification and once the trial period of XXXX months the modified loan will be determined and papers would be sent out with the new modified permanent rate, I would need to sign them once I get them and return them as soon as possible.. I paid it as instructed, this was from XXXX of 2015 until XXXX 2015. When I called loss litigation to make a payment for XXXX 2015, the rep said I have re-instated at my initial mortgage amount that I was never told about via phone or mail, email. this is an amount I am unable to pay due to my financial status, not one time before i made the lump sum payment after taking a loan out, was I told not to do so, that it would reinstate me and cancel my loan modification. now I am not sure what is going to happen. I feel i was miss-informed or better yet not informed on what not to do as oppose to what i should do. i may lose my home and plus have almost depleted my XXXX because of it. on top of that included in the fees I had to pay the late fees, which would have been forgiven if i was instructed not to pay the lump sum, and paid the attorneys fees the went through.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 unauthorized hard credit inquiries that were submitted through XXXX XXXX XXXX and appear on my Equifax Credit Report. The unauthorized inquiries are dated : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. None of these hard credit inquiries were initiated by me, nor were they authorized. I disputed the hard inquiries with Equifax, and they said denied the dispute stating that is was " a factual record of file access. '' In their response, they said to contact XXXX XXXX XXXX directly which I did. After jumping around to a bunch of different departments, I was directed to the ID Theft department, who then directed me to a website to submit my claim. None of the categories fit my problem ( unauthorized hard credit inquiry ) so I was unable to submit a claim. I am simply going around in circles. I want these inquiries removed from Equifax credit report because I never authorized those credit checks to begin with. Additionally, this has harmed my credit score, which could impact my mortgage approval since I plan on purchasing a new house in California within the next year. I have since placed fraud alerts on my Equifax and XXXX  accounts. I am following up with XXXX  tomorrow because their office closed before I could complete the fraud alert. Again, I would please like these 3 hard credit inquiries removed from my credit report as I didn't authorize them. 

Thank you for your time.
Product: Credit card or prepaid card

Spoke to an escalations analyst on XX/XX/19 who stated that an executive administrator would give me a phone call on XX/XX/19 in regards to the numerous concerns that I have informed Capital One of. As of XX/XX/19, I have still not been given a phone call.
Product: Credit reporting or other personal consumer reports

It has come to my attention that you are failing to REMOVE files upon receipt of an FTC fraud report. Should you opt not to eliminate the subsequent items listed below, which are inaccurately reported due to errors in credit reporting, I will be transferring my documents to my attorney to initiate legal action. My preference is to avoid legal proceedings, so I urge you to comply with the law. Kindly remove the following inquiries as they were opened without my consent or knowledge : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. If you assert that these inquiries are 100 % accurate and verifiable, I require copies of any documentation associated with these inquiries and addresses bearing my signature, as I am aware of none. Without such documentation, bearing my signature, I formally request the immediate deletion of this information from the credit file associated with my Social Security number. Please be advised that you have XXXX business days to remove the reporting of any items in my credit file resulting from alleged errors in credit reporting. I do not consent to XXXX or any form of automated verification.
Product: Credit card

I asked for late payment to be removed Factually, instead Experian sends me a credit Report with an updating of it being verified I never asked for the payment to be verified so in this manner. Your conducting of lawfulness was NOT Met this has Violated 15 U.S Code 1681i - Procedure In Case disputed Accuracy. How are you all giving correct information when on my credit report profile XXXX has no contact? Please provide the method of verification you are using to conduct this, if this an XXXX XXXX XXXX I OPT-OUT! Now as this is my second dispute with you all I want to ask for a Lawful Factual not Verified dispute. When you all have information please send to the address or reply back.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, over 30 days ago I sent you letters but I still haven't gotten any update about the status as yet. I am aware that the CRAs are required by the FCRA to comply with consumer disputes and I learn from people online that I need to file a complaint to CFPB, XXXX, and the Office of the Atty General if did not I receive appropriate response.
Product: Credit card or prepaid card

I have a Goldman Sachs Apple Card with a 2000 dollar limit they wont allow me to make any charges to my card and I am only at XXXX dollars. Someone is controlling my credit accounts and limits illegally as part of a control and credit fraud scheme where they give known informants credit that they are taking from me.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX  XX/XX/year> i recently reviewed a copy of my credit report and noticed i have fraudulent accounts on my report. Please remove these accounts from my report. they are hurting my ability to obtain credit.
Product: Debt collection

i need your help in a serious matter regarding my credit report. After reviewing my credit, i noticed the agency DRS is reporting inaccurate information that is damaging my credit report. XX/XX/scrub>/2025 was there last report date of the amount of {$820.00} I've contacted this company to provide me with the documents that this report belongs to me but every time i do they either hang up on me or say they will email me which i never receive anything. Please help resolve this issue as it is affecting my report. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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: Debt collection

PETER ROBERTS & ASSO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Dear Sir or Madam, This letter is in reference to account??? at XXXX XXXX XXXX XXXX for services provided to XXXX XXXX on XX/XX/XXXX In regard to the bill on this account in the amount of ( {$110.00} Please be advised this is not a refusal to pay, but a notice your claims are being disputed. 

Under the Fair Debt Collections Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient and proof that there is some contractual obligation which is binding on me to pay this debt. 

Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and or authorization under subtitle D of the ARRA, SEC 13401. APPLICATION OF SECURITY PROVISIONS AND PENALITIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. 

The term " breach of security means, with respect to unsecured PHR identifiable health information without the authorization of the individual. 

Please note that enforcement of penalties against you is covered under the penalty rules of the omnibus final rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information. Technology for Economic and Clinical Health Act of 2009 ( HITECH ACT ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. 

Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account and a copy of any HIPPA authorization. 

Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collections activities, including reporting of or verifying of this account on my credit reports. 

In the event of non -compliance, I reserve the right to file charges with the OCR on your HIPPA violations and appropriate County, State and Federal Authorities. I require compliance, I reserve the right to file charges and/or complaints with the OCR on your HIPPA violations and appropriate associations for violations and appropriate County, State & Federal authorities for violations of the FDCPA, FCRA and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as in violation of California medical privacy rules. 

I also hereby reserve my right to take private civil action against you to recover damages. 

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

Claim id : XXXX Date : XX/XX/2022 I have been a victim of 7 separate identity theftsone of whom is through your company. After calling 1 of the other 7 companies, their internal investigations team identified the abuser as XXXX XXXX ( SSN : XXXX ) Address : XXXX XXXX XXXX XXXX XXXX , CA XXXX Your dealership used my name without my authorization which can be misconstrued as compliance of criminal activity. My credit information was used fraudulently via co-signer/co-borrower, to apply for 7 different car loan accounts without my consent. Luckily each account was not approved. Nevertheless, I did not authorize these accounts, and I therefore am requesting XXXX XXXX XXXX XXXX and Toyota Motor : Please remove the hard inquiry by XXXX XXXX XXXX XXXX and Toyota motor from my credit report through your bureau, attached to this letter is a screenshot of my credit report These lists of fraudulent hard inquiries ( including yours ) were brought to my previously unaware attention, because I was investigated by mortgage underwriter due to excessive hard inquiries from car dealerships. Please help me and remove your hard inquiry as soon as possible Sincerely,
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cashapp ( block , inc ) due to inadequate customer service and unfair practices. Wich violation in the CFPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings I have initiated a dispute with EQUIFAX to remove unauthorized Inquiries they have failed to validated that I initiated. I have asked and requested for EQUIFAX to respond with validated proof that I authorized these inquiries per the Fair Credit Reporting Act. I have provided requested documents to EQUIFAX including a copy of my filed Identity Theft Police Report to get this issue resolved in which they requested. I have also reached out to the creditors to validate this unauthorized inquiry belongs to me in which they have failed to prove.

Below are the reporting Inquiries that should be Removed / Deleted from my EQUIFAX credit report. Should you need any additional information please let me know.

Reporting Inquiries : 1 ) XXXX XXXX XXXX - Date Filed : XX/XX/XXXX 2 ) XXXX XXXX - Date Filed : XX/XX/XXXX Should you need any additional information please let me know.Thank you for your assistance in resolving this matter.

Regards, XXXX XXXX XXXX  XXXX XXXX XXXX , XXXX XXXX XXXX, PA XXXX
Product: Credit card or prepaid card

My complaint is against Citi Bank concerning my credit cards ending in XXXX and XXXX. 

On or about XX/XX/XXXX I received a package at my door that I wasnt expecting. It was a lap top computer from a company in XXXX OH, XXXX XXXX XXXX. I called them to ask why and discovered my credit card ending in XXXX from CITI Bank had been hacked ( I still had the card itself ). 

After checking my account on line I found that several purchases from that company had been made. The charges are as follows : ( see attached file XXXX ) XX/XX/XXXX {$520.00} XX/XX/XXXX {$520.00} XX/XX/XXXX {$520.00} XX/XX/XXXX {$510.00} XX/XX/XXXX I paid for all the charges I made to the card {$610.00}, in fact I accidently paid it twice. CITI did refund that duplicate payment. CITI closed that card out and sent me a new card ending in XXXX ( I have never activated this card ). I returned the lap top I received to the shipper and got a credit to my account from them and CITI gave me credit for the others. At this point all is good. 

But Then : Citi put one of the charges from XXXX XXXX back on my account with the explanation that ; they gave me credit and the shipper gave me credit duplicating a credit. But, that never happened. There was no duplication I was charged for four lap tops, fraudulently and credited, three from CITY and one from XXXX XXXX ( See attachment file XXXX ). 

To add insult to injury they accepted a charge to XXXX after it was reported stolen. They have after much hassle credited that. ( see attachment file XXXX ) Currently : There is {$510.00} on my account plus late fees that they refuse to take off. 
I have called about 15 times and talked to numerous people in various departments even being told things like oh I see what has happened we will fix it, " I ll make sure and fix that and call back '', " send you an email '', etc. never got that first call back or email. 

A few weeks ago, at their suggestion, I sent them an email with pages printed off their web site proving my point, never heard a thing from this. I will attach these documents for your review. 

CITI sent me a letter indicating they had contacted all three credit agencies to tell them of the issue but when I checked 27 days after the letter was supposedly sent none of the three agencies had received it. ( attachment file XXXX ) About 2 weeks ago I spoke to a supervisor in Security Dept., XXXX, she was going to fix it and call me back. Never did. She gave me the phone number right to her desk, ( XXXX ) XXXX - XXXX. I have called and left several messages with no call back. ( please try to reach her ) Then my insurance company XXXX put a credit on that card {$27.00}. ( attachment file XXXX ) Bottom line : I owe them nothing they owe me a check for the {$27.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had several XXXX XXXX accounts that were discharged through bankruptcy in XX/XX/2917. These accounts ate all closed and no activity since XX/XX/2017 however the company continues to report the account as open and delinquent. They also continue to update the status which makes it seem as if the debts are recent when last activity date should be XX/XX/2017. Ive disputed several times with all bureaus and they keep responding to the dispute with incorrect information.