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

XX/XX/XXXX of this year, I temporarily ( from XX/XX/2019 until XX/XX/2019 ) lifted my credit freeze in preparation of securing a credit card with XXXX 's to purchase appliances for a home I have under construction. The XX/XX/XXXXdate was chosen so as to allow for consideration of other situations ( such as a Mortgage application ) that would be required in conjunction with the construction of my primary home. 

On XX/XX/XXXX, I secured the card and purchased my appliances. On XX/XX/XXXX of this year, I noticed a fraudulent charge on my credit card, which I began addressing with my the Bank. 

On XX/XX/XXXX, I became aware of the data breach of XXXX XXXX, a regular provider of health care services for myself. I immediately attempted to re-freeze my credit and was able to do so VERY easily with XXXX XXXX, but after several days, numerous attempts to either re-freeze my credit or to SPEAK to someone ( " I'm sorry we are having technical difficulties and unable to process your request, please call back later '' ) regarding the situation, all I have to show are a pile of online response requesting that I put my identity at even GREATER risk, by sending my social security number, a copy of my driver 's license, info regarding my date of birth, and a copy of a current utility bill by US mail to an XXXX, Texas address. In essence the perfect identity theft fabrication kit being sent by the LEAST secure method possible. 

As do ALL Americans, I want the ability to deny any and all credit bureaus, especially those that fail miserably in providing customer support, the ability to retain and profit from MY personal info. I also want them held COMPLETELY responsible for any and all data breaches of personal info. Finally, I want the corporate officers, who by virtue of stock transactions seek, to avoid harm or to EVEN profit some such misdeeds rewarded with stiff criminal penalties and significant fines. 
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Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to update/correct my personal information on file with your company.

Please update my addres
s : XXXX XXXX  Please update my name to My only social security number is My only correct date of birth is My only employer is I do not wish to have any telephone numbers on my report.

Please remove all the other addresses from my report as they are not deliverable to me by the U.S post office and they are not reportable as per the FCRA, since they are inaccurate.

Sincerely, Enclosed is my Drivers License and Proof of Residence.

This is my 3rd request! Verify through certified mail received XX/XX/year>.
Product: Mortgage

To Whom It Made Concern, This issue is concerning, ( CMS ) " Carrington Mortgage Services. '' In the beginning of XX/XX/2017, I requested that the FHA mortgage insurance premium ( MIP ) to be removed from my monthly payment due qualifying for its removal under Federal Guidelines. CMS responded to my written request on XX/XX/2017, with approval to my request. Although in their correspondence, they stated the payment would be adjusted accordingly, I feel the adjustment is rather-tardy and with XX/XX/2017 payment approaching ( 2 ) two months over due. My property taxes and property insurance premium are unchanged so I feel this issue should be expedited and not delayed. I only receive ( 15 ) fifteen days grace before {$94.00} dollars is added to my monthly mortgage payment, so a short grace should be exercised also. Further, I refuse to have the extra {$180.00} dollars added to the required Escrow Account for the disbursement ( taxes/insurance ) unless I 'm going to receive an agreed upon documented interest rate on the extra funds ; which will not happen. ( CMS ) please expedite the adjustment of my monthly mortgage payment from {$2300.00}. Lastly, I attempted to contact ( CMS ) Customer Services several times via XXXX only to receive PRE-RECORED VOICEMAIL which stated sorry busy right now call back later. Hopefully, ( CMS ) can rectify these issues sooner then later promoting a better working relationship with consumer base. Documents submitted for perusal.
Product: Debt collection

I recently reviewed my credit report and noticed a collection account listed. I did not recognize this information because I have never signed a contract with this company or have ANY liability to this company. I have tried removing this collection from my report as it is seriously affecting my from obtaining future credit. I received a letter in the mail from this company in which they are a XXXX party company that buys debt from other companies. The original creditor in which was XXXX XXXX discharged the debt yet I am still having this company report negative information on my report. I did not give XXXX XXXX  to report my information to this 3rd party and according to there policy and my privacy rights they are not affiliated with company. I have also tried to remove this with the credit reporting agencies and requested information as to how they verified this information and they only told me the information came back verified but they did send me proof of how it was verified. This account continues to show an open balance on my report in which is a violation a collection can not be reported as an open balance. All three credit reporting agencies have different information that is also a violation of my consumer rights. My report should show the same for all three credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been a victim of identity theft and I'm suffering punitive damages due to XXXX XXXX XXXX XXXX in the amount of {$3300.00} on XX/XX/XXXX reporting fraudulently to my XXXX and Experian credit report and XXXX XXXX XXXX XXXX in the amount of {$220.00} on XX/XX/XXXX reporting fraudulently to Experian. I have mailed FTC reports to both the company and the bureaus without this being resolved.
Product: Debt collection

I received a letter from national credit systems Inc. regarding a client they obtained XXXX XXXX XXXX XXXX they said that I owed {$5900.00}. I reached out to them trying to dispute the death I asked them to verify the debt they then proceeded to send me a unsigned lease with my name on it. I reached out to them asking them to remove it I also provided proof that I never signed the lease they never responded to me they also have not provided any more information regarding the lease that needs to be signed I do not under
Product: Credit reporting, credit repair services, or other personal consumer reports

i am a XXXX  posted in USA for three years. 
how can i have a credit history in USA? 

As i am new in USA i have to apply for lot of services including cards than why i am being declared culprit for having lot of inquiries?

Portion of my credit score is also including student loan and mortgage loan but i am not a US citizen  and never took these loans.

i am here since a year and never miss a single payment of my cards/utilities bills than rejecting me on the basis of short history, number of inquiries and non having of loan records is Cleary a discriminations on the basis of a race.
Product: Credit reporting or other personal consumer reports

I've been reaching out to all three credit agencies and the collection agency since XX/XX/year> asking for 30day verification of this debt else removal. I asked them to provide me with the following information : 1. The amount of the debt : A detailed breakdown of the amount you claim I owe, including interest, fees, and any other charges.

2. Proof that the debt is mine : Documentation showing that I am legally obligated to pay this debt and the original creditors name.

3. Evidence that the agency has the right to collect this debt : Please provide proof that you are authorized to collect on behalf of the original creditor or that they have purchased the debt. 
4. Details of the original transaction : A copy of the original contract or agreement showing my signature, and any supporting documentation to substantiate the claim.

I filed a previous claims with XXXX  at the FTC. My wallet was stolen in XX/XX/year> and a few years prior as well.
Product: Checking or savings account

Copy of email sent to Chase Bank : XX/XX/2020 Re : IRA Account # XXXX Dear Mr. XXXX and XXXX -- - Yet again I find myself being treated badly by your IRA office. I finally got so disgusted with their poor service over the past three years, I decided to switch Trustees, to XXXX XXXX XXXX. 

When this 120-month IRA CD was set up about 7 years ago, the Manager at your the XXXX CA branch specifically wrote that there would be no early withdrawal penalties since I I am XXXX. I showed him my XXXX XXXX XXXX, and the registration of my XXXX XXXX. 

Recently there has been about {$18000.00} or so in this IRA CD, so I've been getting about $ 180/year at the one-percent interest rate, which is put back into the CD. 

When I had XXXX XXXX XXXX  send the paperwork to transfer the IRA trusteeship from Chase to XXXX, I had my XXXX banker include documentation I gave her of my XXXX from the State of California [ XXXX XXXX  ] and XXXX County Superior Court [ where an application to permanently excuse me from jury duty due to my permanent XXXX was granted ]. I also included a photocopy of the Chase XXXX Branch 's Manager signature stating that there would b no penalty for early withdrawal. 

Despite all of this evidence being presented to you IRA office, they proceeded to deduct approximate {$730.00} from the IRA when they transferred it to XXXX XXXX XXXX!!! 

I would like to know why these funds were deducted, and how the calculation of that amount was made. I would like to know why -- -despite the signature of the branch manager, and the evidence of my XXXX -- -your IRA office deducted ANYTHING!! 

... .. 
... .. 
XXXX XXXX
Product: Credit card

I submitted an application for a credit card stating a {$200.00} US Bank Rewards Visa Card would be issued after spending {$1000.00} in the first 90 days. I spent over {$1000.00} in the first 30 days and called in to see how to cash in on the {$200.00} reward. I was told by XXXX different employees during XXXX separate phone calls that the card I was issued was not attached to any cash rewards. The picture of the card on the offer and the card that was mailed to me that I used look identical. It 's a US Bank XXXX Visa Business Card. I had a credit of {$18.00} from reward % of my spending, I told them to close my account and send me a check for the {$18.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX a XXXX for research, I found that under section 605b of the FCRA you are required by law to eliminate & block any accounts or information which is found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... Please have these accounts deleted from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I set up an account with Coinbase about 6 weeks ago. I moved {$26000.00} from my XXXX XXXX XXXXXXXX account into the Coinbase account. Coinbase froze my account and all types of transactions claiming XXXX XXXX XXXXXXXX had a hold on the funds. I went to XXXX XXXX  XXXX and met with XXXX XXXX  and they said that was false - funds were released to Coinbase over a month ago. I've emailed Coinbase over 10 times asking for an update or to refund my money. They continue to blow me off saying they are " holding '' my funds for another 4 to 5 weeks. This is not right and Bad Business.
Product: Debt collection

I had collections with XXXX XXXX, which they hire Peter and roberts associates to come after payments, I paid all accounts that was on my credit. They had told me once I paid these debts will be removing from my credit report, so far everything I paid is till on my credit report, its hurting my credit to the core, my credit is not going up until these collections have been remove, Im stuck and cant move forward. I need to purchase a home and because of these collections not being remove on my credit report is causing me to wait for the collections to be remove till I can buy the house. 

Please I need help, I wrote them letters to remove these collection that I paid and they still not doing so.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is ( FTC XXXX ), filed on ( FTC Complaint Date : XX/XX/XXXX ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XXXXXXXX XX/XX/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. 


Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX  XXXX XXXX
Product: Debt collection

XX/XX/2018 received a letter from XXXX XXXX stating I had a debt. I spoke with a agency before saying i have no knowledge of this debt nor is this my legal name. 6 months or so I received another letter from Convergent.I then responded with an affidavit of denial stating this was not my debt nor have i ever had a contractual agreement with them nor XXXX XXXX. Amount XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DEPT OF ED/XXXX  Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

A hacker accessed all my Citibank Accounts and use the XXXX function to do several unauthorized transactions : 1 ) Checking account ending XXXX On XX/XX/XXXX and XX/XX/XXXX a total of 9 XXXX transactions totaling $ {$4900.00} 2 ) Interest Checking account ending XXXX On XX/XX/XXXX a total of 3 XXXX transactions totaling {$2400.00} Citibank customer service never alerted us on those consecutive unauthorized transactions. A police report was given to Citibank, despites several phone calls and many hours spent asking for a report of their investigations, still Citibank hasn't provided proof of their investigations or refunded the amount stolen.
Product: Mortgage

We, the owners & occupiers, are age XXXX and XXXX, and both U.S. veterans. The mortgage holder is XXXX w/ mortgage being serviced thru US Bank . Whenever we contact the proper division of this bank, we stymied by no answers, no action ( many times ), conflicting info. We are an FHA mortgage, but are told yes, no, yes, no from US Bank. Then, on active applications for assistance, we received letters of approved forebearances, yet at the same time receive threating notices and actual lawsuits filed against us in XX/XX/XXXX for foreclosure. We do everything by the rules, Act 90 ( PA ), forebearance applications, constant contact w/ all proper " personal Bank counselors '' & still we feel we are in " limbo '' On 4 occasions, US Bank could not find our account #, and access is denied when we go on line. We sit here under our doctor 's care with leftover sickness of having XXXX from XX/XX/XXXX, and basically XXXX with XXXX, XXXX, XXXX, XXXX XXXX. We can not move to a retirement homes that have no protection from virus and its Delta variant  and others even having had our vaccines. 

We lost a major portion of our monthly income due to customers not paying what they owe us, citing loss of jobs and income themselves since XXXX. 

US Bank should have a main address to correspond with, but they have several with personnel having to re-route or delay replie that do not come. At one point, they had a malfunctioning appraiser come to our property, but wound up according to the 8x10 photos*, appraising the neighbor 's garage AT {$150000.00}. Thus, they think our home independently appraised in XXXX at {$400000.00} and with actual costs of $ XXXX when built ( every receipt/contract available ) is worth 60 % less than appraised and 77 % less than cost. 

We lived here more than 20 years here, and have no other living arrangements that will accommodate our age and physical condition. In fact, we were of the believe that there was such insurance from FHA to work out a fair agreement. 

*photos in both Bank and our possession
Product: Debt collection

I received a bill thru Convergent for {$50.00} for an XXXX account I dont have. I have never had XXXX as a service.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under my name. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under Section 619  Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more th an 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be a claim that constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute IsFrivolous or irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent noncompliance [ 15U.S.C. 1681o ] a person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

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

I have two account that are not mine on my Experian ( XXXX XXXX XXXX and XXXX incorrect address ( XXXX XXXX XXXX XXXX, XXXX XXXX )
Product: Vehicle loan or lease

I received 2 correspondence within 1 year advising that I had been prequalified in both instances I applied and was denied. My credit received a credit inquiry resulting in point reduction. This is misleading if I had been previously prequalified why decline my application? Creating more negative impact on my account.