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

Subject : Unauthorized Credit Inquiry on My XXXX Credit Report Dear Sir/Madam , I am writing to dispute a hard inquiry that appeared on my XXXX credit report XXXX XX/XX/year>, at XXXXXXXX XXXX PST. The inquiry is listed as originating from Comenity Capital / XXXX, and I did not apply for any credit or initiate any request with your company. 
Upon reviewing my credit report, I noticed this hard inquiry, and I believe it was made in error or due to unauthorized activity. I am concerned that this may be a result of identity theft or another form of unauthorized credit inquiry.

I kindly request that you investigate this matter and provide clarification regarding the inquiry. If it was made in error or fraudulently, I request that it be removed from my credit report as soon as possible. 
Additionally, I have contacted XXXX to dispute this inquiry on my credit report and request its removal. I would appreciate your cooperation in rectifying this matter promptly. 
Please confirm receipt of this letter and provide an update on the status of the investigation. Should you require any additional information, feel free to contact me via the contact details listed above. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've informed the credit report companies, Experian, XXXX, and XXXX, that these aren't accurate, and I've produced the XXXX XXXX XXXX, showing all the negative items on my reports are to be by law removed, and id be filing charges if they weren't. They've failed to do that. I've said the same things to the creditors, as they're supposed to stop reporting them as accurate, because they're no longer accurate, and no longer any account at all. They're gone. Only thing supposed to be showing on my credit report is the XXXX XXXX XXXX and any new things I've done since that time. They've decided not to do as instructed. Neither the credit bureaus, nor the creditor 's either. One creditor is still sending me things, and isn't supposed to be reaching out to me at all. Which is XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/ I submitted an account dispute to Experian Credit Reporting Agency through the CFPB portal. The Consumer Credit protection Act, Title VI Consumer Credit Reporting, Section 611 Procedure in case of disputed accuracy ( 84 Stat. 1132 ; 15 U.S.C. 1681i ), clearly states that a consumer reporting agency has no longer than 30 days to complete its reinvestigation. The 60 day timeframe allowed by the CFPB does not apply to credit reporting agencies because by federal law a credit reporting agency has a time limit of 30 days. Before the end of the 30 days Experian Credit Reporting Agency must update the information as instructed by the consumer or delete any unverified, inaccurate, and incomplete information. This dispute was not settled in the allotted timeframe and must be updated as instructed by me in the dispute notice or deleted. Experian responded to my dispute onXX/XX/XXXX which is 60 days, 30 days longer than lawfully allowed. This is a violation of 15 U.S.C. 1681i. 

When I did finally receive a response on XX/XX/ it noted that the disputed information appearing on my Experian report is accurate and has been verified. In the dispute I requested to receive a copy of the description of the procedure used to determine the accuracy and completeness of the information. As of today XX/XX/ I have not received a description of the reinvestigation procedure. Not delivering a copy of the description I requested is a violation of 15 U.S.C 1681i ( 6 ) ( B ) ( iii ).

See attachment
Product: Checking or savings account

I AM FILING A COMPLAINT AGAINST CAPITAL ONE REGARDING THE DECEPTIVE PRACTICES RELATED TO THEIR XXXX XXXX XXXX XXXX XXXX XXXX SAVINGS ACCOUNTS. CAPITAL ONE MISREPRESENTED TE XXXX XXXX XXXX AS HAVING XXXX OF THE NATION 'S HIGHEST INTEREST RATES, YET FAILED TO NOTIFY ACCOUNT HOLDERS ABOUT THE SUPERIOR RATES OFFERED BY THE XXXX XXXX SAVINGS ACCOUNT. THIS DELIBERATE OBSCURITY AND LACK OF TRANSPERANCEY VIOLATED CONSUMER TRUST AND RESULTED IN SIGNIFICANT FINANCIAL LOSSES FOR MANY, BREACING THE CONSUMER FINANCIAL PROTECTION ACT AND THE TRUTH IN SAVINGS ACT. I SEEK REDRESS FOR THE MISLEADING PRACTICES AND FAILURE TO FULFILL THEIR ADVERTISED PROMISES.
Product: Mortgage

Hi, After i request the pay off and signed the sale when i got surprised by other payment to HUD, when i looked up the payments from HUD to MR Cooper were never deducted from my loan and, how is that possible paying about {$90.00} for less than 2 years and not showing as deduction from the pay off.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX Balance : {$3800.00} ; XXXX XXXX XXXX XXXX Balance : {$50.00} ; XXXX XXXX XXXX XXXX Balance : {$7700.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I've been trying to contact the XXXX XXXX XXXX XXXX XXXX, XXXX and Equifax ) since XXXX but they never get back to me. Kindly resolve this matter today and I insist that you must take off these items from my credit history promptly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

I can not access my bank account and can not get a human being on the phone.
Product: Credit card or prepaid card

I had an American Express XXXX XXXX  credit card. The card had a due date on XX/XX/XXXX, and I inadvertently forgot a small balance of {$18.00}, and made the payment on XX/XX/XXXX as soon as I realized it. I was charged a late fee with no surprise. However, I thought it could get waived due to the small balance and I didnt have other late fee within the 12 month calendar year. In addition, I had about {$30.00} cash reward could be used to offset the credit card balance. To my surprise, American Express refused to waive the late fee as a one time courtesy, and told me the reward could not offset the late fee. I had to pay off the total balance first, and contact them again to get a check of the $ XXXX reward amount. This is totally nonsense! They ignored how many times I have made the payments on time or even many days earlier, and how long I have been a good customer with American Express since XXXX! They still charged an {$18.00} late fee for a balance of {$18.00}, and it was only late for one day.
Product: Debt collection

I received an alert from XXXX Credit Reporting about this item. IC collections report a debt that was found out to not be me. They had no social security information on me as well as no Date of Birth information incorrect addresses. I spoke with a XXXX XXXX Hospital RepXXXX that verified with me that they do not collect Social Security Information or personal id information. The rep. also verified for me that there are 2 dates of service totally the amount of the debt. Also confirmed for me the person the debt belonged to was a person who lives XXXX, TN. This company has harrassed my parents home phone as well as my personal phone. XXXX an Item to a credit bureau on a person that did not verify there information.
Product: Credit reporting or other personal consumer reports

PLEASE SEE ATTACHED DOCUMENTS INCLUDED WITH MY FTC REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$6900.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$6000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1400.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Original creditor : XXXX XXXX XXXX  Balance : {$130.00} XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, TX - XXXX Mobile : XXXX Email : XXXX Equifax XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear Team, I am writing to dispute the hard credit check done on XX/XX/2022 on behalf of XXXX bank XXXX 
Below is the complete details. 
I have bought XXXX XXXX on XX/XX/2022 from XXXX XXXX ( XXXX XXXX XXXX, XXXX, TX - XXXX ). I was told by sales person, if I apply for a XXXX XXXX store card I can get 10 % off of my purchase. 
I enquired about the same and asked about the credit check which it will go through. I was told, it will be a soft check and its a simple store card not a credit card. 
After that I provided all the details to sales person and he ran my details through the system but while accepting the card when I saw it is not a store card but a XXXX bank credit card. I declined the offer and paid in full without taking any kind of rebate. 
But, by then Equifax ran the credit check and it was a hard check on my credit. 

I am sending document from XXXX bank which shows I dont have any account or credit card with them also I asked them to close any application which was created on XX/XX/2022. 

Also I am sending you purchase receipt from XXXX XXXX which shows I have paid in full and I did not accepted any credit card on XX/XX/2022. 

Your help will be deeply appreciated, Please let me know if you need more details from my side Sincerely yours, XXXX XXXX
Product: Debt collection

This company has threatened me and placed fraudulent collection on my credit report.
Product: Debt collection

Diversified Consultants , Inc . 
XXXX XXXX XXXX XXXX, FL XXXX Telephone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify XXXX DIVERSIFIED XXXX or any company associate with this account # XXXX DIVERSIFIED XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : XXXX DIVERSIFIED XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX XXXX DOB XX/XX/XXXX SS LAST NUMBER OF SS XXXX XXXX XXXX FL XXXX
Product: Credit reporting or other personal consumer reports

am writing to seek urgent assistance regarding a severe case of identity theft that I have been experiencing. Despite my repeated efforts to resolve this issue directly with the involved companies, the situation remains unresolved, and I am now turning to the CFPB for help. 

Fraudulent Accounts and Inquiries I have identified several fraudulent accounts and inquiries on my credit report that I did not open or authorize. These accounts and inquiries include : NEGATIVE ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Product: Credit card or prepaid card

I placed XXXX orders with XXXX XXXX XXXX XXXX XXXX  on XX/XX/2022. 
1st order : XXXX XXXX XXXXXXXX {$98.00} XXXX XXXX XXXX XXXX {$18.00} XXXX XXXX XXXX  {$40.00} Total purchase # 1 {$150.00} this was an incorrect order and wrote email to vendor to cancel. received acknowledgement but no action or further response received. There is a XXXX cancellation & return for full refund. Communicated to Synchrony & XXXX but didn't provide return address. 

2nd Order : XXXX XXXX XXXX XXXX XXXX {$240.00} XXXX XXXX XXXX {$35.00} XXXX XXXX XXXX {$38.00} XXXX XXXX XXXX filters {$48.00} Total purchase # 2 {$360.00} this order was received nearly 2 months later. I contacted vendor by website mail, XXXX and Synchrony Bank to cancel but no response other than research/investigation from credit card. XXXX was received but I didn't need this any longer. Attached is Synchrony Bank 's summary of transactions and dates. It will make you dizzy. Neither XXXX or Synchrony Bank provided the vendor 's customer service contact and shipping address. I was given a phone number on the statement but that didn't work.
Product: Bank account or service

On XX/XX/2017, I was suppose to receive payment for services rendered from my place of work. I attempted to check my account and to my surprise, I was locked out. I then called BoA ( Bank of America ) and spoke with customer service. I was n't satisfied with the outcome of my call as it was a complete waste of time because I was completely disregarded- I was on the phone for 5 hours trying to resolve the matter but accomplished no progress or answers. I then went to the Branch in XXXX, Maryland and spoke with a Manager ( XXXX XXXX ) whom i have a good relationship with and he informed me he would release my funds and allow me the funds regularly deposited every two weeks according to my pay history and take care of the matter. I expressed that I use my account to provide for myself, wife, and XXXX children but am unable to because I currently have no money to draw from. I am under the impression that no one cares about my financial hardship ; I sensed a nonchalant attitude from each member with no sense of time and understanding of my urgent situation. I have been banking with the company for 10 years where I was able to build an outstanding relationship therein up until this point and am furthermore surprised at the outcome thus far. I have nothing to show for my valued hard work deposited and am completely uninformed as to why or what is going on- this is unfair and I deserve answers.
Product: Credit reporting or other personal consumer reports

Hello, so I am currently wanting to get this resolved. I have uploaded letters on the Equifax dispute center stating I have fraudulent inquiries on my report and that I demand these inquiries deleted from credit report. 
Inquiries I don't recognize : XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

After several attempts to get Mohela to correct my balance and accurately report this information to the credit bureaus, Mohela still refuse to accurately update all three credit reports and this willful neglect is hurting my credit score and I am being hampered from fair credit due to their negligence. 

I can not get access to credit due to the negative, false, and inaccurate reporting on my credit reports. I have repeatedly called the Department of Education and XXXX XXXXXXXX XXXX XXXX this matter accurately and immediately resolved. They told me that Mohela has a duty to update all three credit reports so that I can be given fair credit chances and not be hurt by the inaccurate reporting on my credit reports. Mohela has made no attempt to provide me with a legal instrument that I can submit to the credit reporting agencies to accurately reflect my correct credit score thereby affording me lower interest rates for a new home, which Mohela is hurting my chances of getting a home at a lower rate : Mohela is hurting my chances of getting a home when the rates were lower than XXXX ( as they are now ). Mohela is willfully neglecting to accurately and expeditiously send accurate information to the credit bureaus XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to REMOVE some of the information in my file that resulted from the identity theft but I have an items left that need to be removed. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT # XXXX, XXXX, and XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Please remove the following items as soon as possible : XXXX. XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX. XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX. XXXX XXXX XXXX : {$0.00} XXXX. XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX. XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX. XXXX XXXX XXXX : {$0.00} XXXX. XXXX XXXX XXXX XXXX : {$0.00} XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX 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 XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX - XXXX XXXX XX/XX/XXXX XXXX. 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. XXXX XX/XX/XXXX XXXX. XXXX & XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXXXXXX XX/XX/XXXX
Product: Credit card

I made a purchase at Bloomingdale 's and returned the item on XXXX XXXX. I had received a cc bill for a payment due by XXXX XXXX a couple of days prior to XXXX XXXX. Because the item returned was the total amount on bill, I was told in-store that no payment would be due on the XXXX. On that same day I made another purchase, but being that I had already received the month 's credit card bill, believed that the later purchase would carry over onto the following month 's bill ( i.e. due XXXX XXXX ). When I received this month 's bill there was a late fee charge of {$27.00}. When I called customer service, I was told that the reason I accrued the late fee was because returns do n't count as balance pay offs. I tried to explain to the representative that for any other credit card I have, as long as the refund processes well before the due date of the bill, that I can deduct the amount of the returned item from my total payment. I further tried to explain that based on the policy the store was telling me, that Bloomingdale 's in essence can get double monies as they can re-sell the returned item + hold onto my money for merchandise I no longer have ( i.e. have double the money ). It was reiterated that returns do n't constitute payment on credit card balances. I got them to remove the late fee, but was told that I will have the same problem again this month when I explained that on my new bill I owed {$48.00} due XXXX XXXX. I returned XXXX item for {$30.00} and then paid the remainder of my bill in store for {$17.00}. I was assured that yes indeed, I would again be charged a late fee as I did n't pay off my credit card balance. This system sound egregious to me. I was told I could contact Bloomingdale 's Department stores National Bank for an executive complaint, but have opted to contact your agency XXXX, as I beleive what they are doing is a far bigger problem.
Product: Credit reporting or other personal consumer reports

Dear CFPB, On XX/XX/XXXX, I checked my credit report and noticed inaccurate information related to my account with XXXX XXXX XXXXXXXX XXXX XXXX ( Account # XXXX ). The file number of the credit report I pulled is XXXX. The following balances, past due amounts, and scheduled payments from XX/XX/XXXX through XX/XX/XXXX are incorrect : XX/XX/XXXX : Incorrect balance and past due amount. 
XX/XX/XXXX : Incorrect balance and past due amount. 
XX/XX/XXXX : Incorrect balance. 
XX/XX/XXXX : Incorrect balance. 
XX/XX/XXXX : Incorrect balance. 
XX/XX/XXXX : Incorrect balance, scheduled payment, and past due amount. 
I have attached credit card statements for this period, which clearly demonstrate the correct amounts. The inaccurate information reported by TransUnion violates my rights under the Fair Credit Reporting Act ( FCRA ). Specifically : 15 U.S.C. 1681i requires credit reporting agencies to conduct a reasonable investigation into disputes raised by consumers. If the creditor, XXXX XXXX XXXXXXXX XXXX XXXX, can not verify the accuracy of the reported information, TransUnion must delete the inaccurate data.

15 U.S.C. 1681e ( b ) mandates that credit reporting agencies maintain procedures to ensure maximum possible accuracy of the information they report. The discrepancies on my report clearly violate this requirement, as the balances, past due amounts, and scheduled payments are incorrect.

Additionally, under 15 U.S.C. 1681s-2 ( b ), data furnishers are required to conduct an investigation upon receiving notice of a dispute from a credit reporting agency and must correct or delete any information that is inaccurate, incomplete, or unverifiable.

Given the clear inaccuracies and failure to verify this information, I am requesting that the CFPB assist in ensuring that the erroneous entries are deleted from my credit report, as required by the law.

Please find attached the supporting documentation, including the erroneous credit report entries and corresponding account statements for the disputed period. 

Thank you for your attention to this matter, and I look forward to a prompt resolution.
Product: Money transfer, virtual currency, or money service

Dear CFPB, We had contacted Paypal 's XXXX service many times. No response. 

We need help with transaction XXXX. 
XXXX customer service is not replying. Receiver is saying they do not need the deposit. They are asking did XXXX send money as " XXXX XXXX ''. 

Please ask Paypal to help.