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

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TransUnion credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$26000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

This is the list of account/names/addresse which do not belong to me or were opened without my permission. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$13000.00}
Product: Credit reporting

Sir, It is a complaint general in nature not specifically against XXXX credit reporting company. For the last 5 years or so I have been paying my bills on time, have no debt, no mortgage, am home owner ( mobile home, fully paid ) own my car. But still my credit score is a big factor in being declined for even insurance. I do have XXXX credit cards. Is there any hope for me to get a good credit score during my life time despite my good financial behavior. I am XXXX years old. I would be nice to hear something favorable from you. May XXXX bless you.
Product: Credit reporting or other personal consumer reports

Account owner XXXX Account XXXX reported XX/XX/XXXX Account status XXXX XXXX XXXX XXXX XXXX Original amount owed {$1200.00} Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Agency CREDITORS BUREAU ASSOCIATES XXXX XXXX XX/XX/XXXX Delinquency Date of last payment Balance owed {$1200.00} Comments Consumer Disputes Reinvestigation In Progress Balance date XX/XX/XXXX Date of first delinquency Account Number XXXX XXXX Account Status COLLECTION Owner INDIVIDUAL Account Type OTHER Creditor Classification RETAIL Loan Type XXXX Original Creditor Name XXXX  XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX Designator Terms Frequency Term Duration Purchased From Sold To : XXXX XXXX XXXX XXXX and Amounts Balance {$1500.00} Credit Limit XXXX XXXX {$1500.00} Available Credit Account Dates Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity Date of First Delinquency XXXX XXXX XXXX hard inquiries that are also not mine
Product: Credit reporting or other personal consumer reports

My personal information was fraudulently used to open an account XXXX XXXX XXXX Credit Card. I've asked for the company to investigate and share there findings without any reply. This has negatively impacted me and my financial well-being.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX  XXXX Balance Owed : {$150.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXXXXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$410.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$90.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To Ally Auto XX/XX/21 To Whom It May Concern, I am writing this letter in regards to a late payment ( or late payments ) reported to my credit report for my { Ally Auto Financial } account. 

I realize the importance of making payments early or on time, and I also know that paying late makes your job difficult. I wanted you to know that I missed the payment on my account due to financial hardship difficulties, I was impacted by covid 19. Ive called XX/XX/XXXX to see if I can have my payments defer and also today XX/XX/XXXX and representative was unable to assist me Ive been paying what I can }. I am truly sorry for the inconvenience, and I know that this situation is no ones fault but my own. 

I have enjoyed our business relationship and have made a renewed commitment to paying all my bills on time moving forward. I was wondering if you would be willing to make a goodwill gesture and remove the late payment from my credit reports. 

If you are able to execute a goodwill adjustment, I can continue building my credit score and remain in good standing with your company. 

Thank you for your consideration and time, { XXXX XXXX } XXXX
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. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act 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 a account without my written instructions
Product: Debt collection

This debt is beyond the statute of limitations as it has been 4 years since they began demanding the full balance on the debt. They are threatening a lawsuit against me. Furthermore, they know I have counsel on this matter and they continue to contact me directly after receiving written notice I have an attorney. 

My attorney 's name is XXXX XXXX with the XXXX. XXXX XXXX XXXX, XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX her email is XXXX : XXXX. Please note I disputed the validity of the debt via my counsel and no response was ever received by the Collins Asset group. Any responses to this complaint should be directed at my counsel. 




Thank you, XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2017 I seen a charge that over drew my account - 2 payments of {$220.00}. I called American Express Bluebird right away after getting that email to let them know this was not a valid charge. That was n't my only time I had to dispute these charges. On many occasions, this company did not contact me to ask me for the proof I had for my dispute. There should be a record of phone calls I have made and spoke with representatives. I have disputed the charges at least a dozen time and then finally they gave back one payment of {$220.00}. On many occasions I have called the company and explained that there is another {$220.00} that is due To my account. I have confirmations from email and fax that shows I have sent them everything they have asked for. Yet they did not look at the information and dismissed my dispute. I have a copy and I can and will send it to you if you like.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the account referenced XXXXXXXX XXXX  XXXX. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? I have contacted the creditor myself and have been unable to get them to verify that this balance and payment history is accurate. You are also reporting different payment history between all 3 bureaus which I will include a copy of my credit report to show. How does this meet FCRA guidelines when all data furnished should be the same? I dispute your claim and I am requesting that this is removed from my credit report. This account is also over 7 years old and should have been removed on XX/XX/ which is another violation. Stop reporting this information on my credit report for many FCRA violations. Attached is the dispute letter sent 2 months ago which is dated and time stamped. Also attached is the credit report showing the inaccurate data. Please see the True bill attached. Remit payment to address on the invoice.
Product: Credit reporting, credit repair services, or other personal consumer reports

RESURGENT CAPITAL SERVICE SAID THE BOUGHT A DEBT FROM XXXX OR SOMETHING BUT THEY ENDED UP PULLING MY CREDIT REPORT AND ADDIND AN IQUIRY TO MY PROFILE. THIS COMPANY CLAIMS TO BE A COLLECTION AGENCY, I NEVER DID BUSINESS WITH THIS COMPANY WHY ARE THEY PULLING MY CREDIT? COLLECTIONS AGENCY DONT PULL YOUR CREDIT, I CALLED THEM AND THEY ACTING LIKE THEY DONT KNOW WHAT IM TALKING ABOUT. IF THEY DONT KNOW WHAT IM TALKING ABOUT SOME TYPE OF FRAUD IS GOING ON IN THAT OFFICE. THIS IS CRAZY TO ME THEIR TRYING TO BULLY ME INTO AN IQUIRY I HAVE NO IDEA ABOUT.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX - XX/XX/year>
Product: Mortgage

I was trying to apply for a XXXX streamline with Navy they ran my credit without seeing if I prequalified according XXXX XXXX XXXX.Asking basic questions when I close on my current loan or how many payments I have made. I f all the information was captured I would of waited to file my application. I did not know I had to wait 6 payments or 210 days from prior refinancing because it doesnt say it on Navy Federal website for the consumer. 
Also the person that is taking the applications should know lending guidelines when taking applications because it would of saved me a lot of time with scanning in my income documents.
Product: Debt collection

I have asked XXXX to give me a payoff amount for a HELOC. XXXX has not given me credit for payments that I have made since XX/XX/2020. I have made payments every month since XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 

XXXX XXXX {$2700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 
XXXX XXXX XXXX {$740.00} XXXX XXXX, XXXX   XXXX {$530.00} XXXX/XXXX  XXXX {$1100.00}
Product: Mortgage

My name is XXXX XXXX. XXXX XXXX is my spouse. We can both be contacted via the email provided. 

21st Mortgage Corporation has been taking our payments for months yet reporting to credit reporting agencies that we have not made said payments. They accept the payments, The money is removed from our account, then they claim that we have not caught up completely so our payments are not applied. 

Further, they seem to be using an 'in-house ' legal service of paid employees and charging us legal fees as if they were paying outside attorneys/consultants. They have us as having racked up over {$5000.00} in legal fees and we do not know what to believe is true/accurate. 

Additionally, the CFPB has had a cease-and-desist ordered issued on this loan in the past due to outrageous and harassing collection procedures. We do not know if cease-and-desist orders have an expiration date, but the phone calls have resumed despite our repeated requests to stop calling us. We have successfully communicated via postal mail as well as email in the past and there is no reason for harassing phone calls. 

This loan was purchased by 21st Mortgage from another loan servicer and we have discussed the cease-and-desist carryover with the purchase of the loan. They are well aware of our stance on phone calls, yet they belligerently flaunt their power of collection means. 

Today, we received a notice of civil action to foreclose. The notice reads that on XXXX XXXX 2024, we were given notice of intent to foreclose and that the notice is attached to the complaint. The notice is not attached to the complaint and we had never been given a notice of intent to foreclose.
Product: Credit reporting, credit repair services, or other personal consumer reports

A computer glitch in TransUnion 's system deleted my inquiries. TransUnion later added the inquiries back to my credit report illegally without giving me the proper 5 day prior notice of the inquiries being re added. I contacted TransUnion in XX/XX/XXXX regarding the issue, in good faith, asking them to remove the inquiries that were illegally re-added. I was told that the inquiries were applied to my credit report because businesses ran my social and it could not be re-removed. I know my rights were violated by TransUnion and it has caused a hardship. I would like for CFPB to help me stop TransUnion from victimizing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXXE, XXXX XXXX, XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX. 
Company Inquiries MXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I sent an application in XX/XX/XXXX to apply for a loan discharge request application because I didnt have XXXX when I went to XXXX XXXX in XX/XX/XXXX. While they investigated it they put the loan in forbearance until XX/XX/XXXX and I have a letter stating that. In XXXX, I went online to reset up autopay payments because it got denied for discharge because they said I took an aptitude test that is equivalent to XXXX. In XXXX, online account with Navient said XXXX balance due loan paid off by XXXX. I called and they said the loan was sold XX/XX/XXXX to XXXX. I went round and round with both Navient and XXXX and now we got a letter in XXXX saying wages would be garnished so I called again. XXXX that has loan now says they bought loan, information they have is what they got, and unless Navient says otherwise they will garnish wages. Navient put our complaint into another investigation because they also show that loan was in forbearance per 3 of their representatives that we talked to confirmed loan is showing its in forbearance status. Yesterday we received letter from my employer that wages will be garnished as of next pay at 15 % each pay as ordered by XXXX. Other issue is balance with Navient was {$6600.00} and now with XXXX they are saying balance is {$8500.00}. Also, when I check XXXX  XXXX XXXX Aid website it says " Your enrollment status is NEVER ATTENDED, effective XX/XX/XXXX ''. 
I have all the paperwork documenting from XXXX through yesterday showing everything stated above and I do n't have anything from Navient informing us loan was in default, sold, or nothing. When I call they agree but said it has to be investigated as to why it was sold. As of last night, XX/XX/XXXX, they still have no answers and referred us to consumer advocacy agency. We have been paying on this loan for years now ( I believe since XX/XX/XXXX we have been paying {$110.00} a month and paid to date per their statement is {$11000.00} ). I have called 3 times today XX/XX/XXXX and left 2 messages for XXXX XXXX who is now handling my account and still no return calls.
Product: Debt collection

Advance America DRS it recently appears on my credit report last month I believe but I haven't opened any new loans or anything since before Covid and I never opened a account or signed anything with that company 2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed that XXXX have placed an inquiry on my EQUIFAX credit file dated XX/XX/2022. On multiple occasions I requested XXXX and EQUIFAX to verify these inquiries. They have yet to do so.
Product: Credit card

I moved out of the country and set up autopayment to pay for my Chase credit card annual fee via my Chase checking account to keep it open and valid. The payment is made in XXXX each year. It had been working for years but somehow the payment of XX/XX/year> did not go through due to some kind of system failure so the collection team made a request to close my account. I didn't realize until recently and I've been discussing the issue with the company 's various departments and personnel. They all said what's done is done and there is nothing they can do to reinstate the account and retrieve my reward points. 

My argument is that I understand their policy and fully agree if it were under normal condition or due to my person overlook ( for example I turned off the auto payment or did not put enough money my checking account ). However, what really happened was the system failed to pay and it's the root cause. It was not my fault and I should not bear the consequence.
Product: Checking or savings account

I called Wells Fargo because I received a letter to my home address that said I would owe a service fee for a saving account if I did not set up direct deposit. I asked when this account was opened, they would not provide me any information and transferred my call around for XXXX hours. I called back and was transferred to fraud department where the worker refused to help me because I would not provide my minor children 's names who were in the car with me and she heard speaking. She then hung up on. I called back again to get any information and was on hold again for XXXX hours. Then I went to an actual bank, where they told me I had to provide my social security card and they would take a copy. I had to laugh at this point because a company that has law suits against them for fraud was doing everything they could to make it harder for me find out any information to stop it and actually made it harder for me to stop this.
Product: Debt collection

I placed an online order with Kohls.com on XX/XX/2021. Order was not rec 'd by XX/XX/XXXX so I called Kohl 's to track it. Was informed that package was lost and order could not be replaced as items were out of stock. Was promised a full refund that day. This did not happen. I have subsequently called Kohl 's every week regarding my credit and have been promised multiple times ( with reference numbers ) that credit has been applied. This has not happened. As of today I have spoken to 28 different customer service people at Kohl 's who have all promised me that credit has been applied to my account. This has not happened. Instead I have been sent to collection 3 times for a bill I don't owe. They have apologized for their error and removed collection fees and interest each time while also promising that the credit was done and I had a XXXX balance. Unfortunately they don't do what they promised. I am at my wit 's end and don't where to turn. What they are doing is against the law and I would like something done about it asap. 
I have never been late on a bill in my life so this is extremely disturbing to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am sending this over because there are fraudulent accounts on my credit report. These accounts do not belong to me ; therefore, they should not be on my file. Attached you will find a copy of the claim from the Federal Trade Commission along with a copy of my license. Please remove these accounts as soon as possible. Pursuant to 15 USC 1681 c-2 subsection ( a ) you have 4 business days to block this information from my file. This request was NOT made in error. I, XXXX XXXX, did not give your credit reporting agency written instructions to include this fraudulent information in my consumer report. Which is in violation of 15 USC 1681b- ( a ) ( 2 ). I am a victim of identity theft and did not open said accounts on the word document provided below. I ask that all items provided on the document attached be deleted to correct my credit report so I can finally get approved for a car loan. Please note that I am submitting this request on behalf of myself. No third party is involved.