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

I was looking at my XXXX  score noticed 3 hard inquiry reports that i never authorized or signed off on. 

The following are CBC Innovis XX/XX/2017 XXXX XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XX/XX/2017 I would just like these removed from file as this was fraud.
Product: Checking or savings account

I had a hotel reservation and when I checked in I used my cashapp account to cover incidentals and the room rate. Upon checking out I used my debit card linked to my checking account to settle my bill. The hotel informed me the cashapp transaction wouldn't finalize since I paid another way. Unfortunately it did go through and I was charged double. I contacted hotel and they informed me that they didn't finalize both transactions and only show record of the transaction done with my checking account. I have disputed this transaction with cashapp multiple times submitting supporting documents and I keep getting the run around. I don't think anyone is actually looking at the dispute but instead automatically issuing a denial. When I've asked for the information on why they denied dispute I just get rerouted to a bot asking which transaction I want to dispute. The hotel stay was XXXX XXXX XXXX and the amount that shouldn't have been charged was {$160.00}
Product: Checking or savings account

I had wrote a check to a check cash place and I told the lady I want to make payments on the check I only got XXXX I made one XXXX payment then she tell me she change it to a installment loan that shot up to XXXX and some after I had pay XXXX and only got XXXX so I said no I'm not paying that when I only got XXXX we had a court case last year in XXXX then I put a stop payment and block on that check.then XX/XX/XXXX I had XXXX in my account i got XXXX out atm and it said I only had XXXX so I go in said and ask were my XXXX dollars ok now from XX/XX/XXXX when I wrong the check til XX/XX/XXXX a year later here come that same check pending the woman in didn't help me so I call the main bank in she said it just got there she see were that check had shipment on it so she said I'm stopping it right now and putting stop payment again for free then on Monday the XX/XX/XXXX that same check show up again and XXXX gone all over I go back to the bank and I said how a year old check that was block keep getting in my account over a year old and to blocks the last block was the XXXX a Friday the the XXXX which was that Monday a again so the manger got mad cause I told I don't understand what she was trying tell about my XXXX give what money I had still in the accout and your accout is now close now get out before I call police you don't no longer have a accout here.so I had XXXX she give me on the XXXX never got my XXXX or no understanding close on the XXXX XXXX in it then no on the XX/XX/XXXX I'm XXXX how when you close it on the first now check this out my XXXX check came to the close accout on the XXXX they let it come then got XXXX out of it and tell go get all of it from the drive threw don't go in.now a close account on the XXXX XXXX accout close then XXXX overdraft on the XXXX with a close account.how you got my XXXX check that should have gone back cause the accout was close they told me and I should have got my hold XXXX in the mail not missing XXXX I look online in what they did was they insurance I had for XXXX let it come in and out that close account 4 times and charger me XXXX for that with a close accout.help me get my money and then some cause I feel I was did wrong to stop payment and over a year old check then kick out then XXXX overdraft when accout was close on the XXXX they said. All cause the manger got mad cause I didn't understand and she new I was in the right so she could not explain it to me were it should good to me she got mad. Help me please
Product: Credit reporting or other personal consumer reports

Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

Please review the attached letter. Thank you for your assistance.
Product: Debt collection

I am writing to express my dissatisfaction regarding fraudulent accounts on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Account : XXXX ) and XXXX XXXX ( Account : XXXX ) were opened without my consent, causing financial and emotional distress.
Product: Debt collection

Someones using my name with a different SSN Living in XXXX ive never been to XXXX Debit incurred with XXXX then turned over to collections company Who are now trying to collect the debt from me Its affecting my credit score
Product: Mortgage

My HAMP loan was transferred to CitiMortgage about 2.5 years ago. Something went wrong with the transfer of paperwork and I have been subject to harassment by Citi ever since. Three weeks after the transfer XX/XX/XXXX, when I had n't received any further paperwork including the monthly statement and bill, I called Citi to ask where I should send the payment for that month. They told me I was in the foreclosure process since I had n't paid my bill in 3 months. They refused to accept that I was not with their company during that time period and refused to send any paperwork. Since that time, Citi has threatened me with letters and phone calls and at one point, a $ XXXX " lawyers fee '' for not paying them what is not owed them. It took hiring a lawyer to get the fee removed, but Citi has continued to refuse to acknowledge my multiple requests to fix the start date. They messed up my escrow payments, and have recently removed me from the HAMP program without my consent, stating I no longer meet the qualifications since I refuse to pay them what is not owed them. I am at my wit 's end. I am ready to sell my house just to get rid of the harassment. If this is what home ownership is, it 's not worth it. Please help.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit card or prepaid card

On XX/XX/XXXX, I purchased a variable-load prepaid XXXX debit XXXX ( issued by XXXX Bank XXXX XXXX person at XXXX XXXX XXXX XXXX of XXXX ) for the amount of {$500.00}. 

On XX/XX/XXXX, I called the phone number on the back of the card to confirm the available balance & reset the PIN : XXXX. The XXXX routed my call to a XXXX agent. Agent informed me the card was blocked & funds frozen because it was compromised and the next steps for a replacement card. The agent directed me to https : XXXX to upload a set of required documents. 

After the call, I uploaded the required documents ( store receipt, images of the prepaid card and my photo ID ). 

On XX/XX/XXXX, I called for the status of my replacement card & informed there were issues with the images. I called back several times because it hard to understand the issues- in particular, the documents that were missing or incomplete. Agents advised me to upload the documents. 

I was unable to upload the documents to the website. I used XXXX and XXXX XXXX browsers and XXXX XXXX & received the same error message on the first screen ( entering basic information of Gift Card number, barcode ). 

https XXXX XXXX  After several calls about the issues uploading images, I spoke to a manager that advised faxing the documents to XXXX. 

On XX/XX/XXXX, I faxed the documents again using XXXX XXXX app ( Mobile Fax ). On XX/XX/XXXX, I called to confirm receipt of the documents. The XXXX agent informed me there was no update and to call back. When I asked her the fax number, she told me XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : CITI Account # : XXXX I was never late 30 days. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and TransUnion, have both failed to accurately update my XXXX XXXX, credit card and I know it was reported to them on time as required by law because my XXXX credit report reflects the correct balance! This negligence on the part of XXXX and TransUnion, is adversely impacting my credit score and is a violation of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was on the PenFed credit Union website just browsing for auto refinance prices.I found an offer clicked continue to view terms and fees just to get an estimate and my credit was ran and a XXXX point inquiry on my credit report.
Product: Credit reporting

I have XXXX collection accounts by XXXX, XXXX and XXXX. The Account History on both shows debt included in Bankruptcy on XXXX XXXX XXXX. My bankruptcy was filed on XXXX XXXX, XXXX, the Chapter XXXX was converted to a Chapter XXXX and discharged on XXXX XXXX, XXXX. The Bankruptcy ID number is XXXX. 
My attachment will reflect this. I have disputed this information but they refuse to update the correct date. I did n't file bankruptcy in XXXX, it was back in XXXX. 
On XXXX it lists Account History shows debt included in Bankruptcy on XXXX XXXX XXXX, which is the discharged date, not the date the bankruptcy was filed on XXXX XXXX, XXXX.
Product: Debt collection

Conserve company is attempting to collect {$1100.00} for a debt which I am not responsible for. It is affecting my credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX ; XXXX ; XXXX ; BANK OF AMERICA ; I was shocked when I reviewed my credit report and I still found multiple inaccuracies on the credit report from the 3 major credit bureaus.

I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) the ability of the consumerto dispute information directly with the furnisher.

I'm also exercising my rights under section and if not received within 14 business days, I will be deemed this account settled and closed and removed from my ALL major credit reporting agencies.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I received an unsolicited call from Amerisave Mortgage Company. I was informed by the representative that the bank had accessed my credit report to determine I have been preapproved for a mortgage with their company. At the time they requested my report I had not even heard of their institution. My credit is excellent and I am not in the market for a mortgage considering my mortgage has been paid for two years, and this company inappropriately accessed my confidential And private financial information. If there is not a law preventing unsolicited access to my credit report there should be.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, a living human being. I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681. They have violated my rights numerous times. I demand the accounts below be removed because : according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 
Accounts XXXX XXXX XXXX XXXX Credit Card and Auto Loan
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  '' Chargeoff Balance Error. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. Status updated XX/XX/XXXXThis account is out of date, reported inaccurately, and incorrect information. It must be removed from my consumer report effective immediately and indefinitely. Pursuant to FCRA 605B and 15 USC 1681C-two I demand that these accounts be removed within four business days as permitted by federal law.
Product: Checking or savings account

i have a problem with credit Karna about being open an money spend account and saving aacouny with them. Due to they can not verify my personal.
Product: Mortgage

We had a tornado damage our house on XXXX XXXX, 2016. Our insurance company sent us a check within a few days. The check was made out to us and the mortgage company, PennyMac. We signed the check and forwarded it to PennyMac. We have had numerous contacts with PennyMac and are still trying to get the money to pay for materials and the labor needed to do the repairs. They told us my husband could act as a general contractor and not have to worry about the XXXX and all the other paperwork. We sent in paperwork saying he would be paying all the bills and there would be no liens or any other attachments on the property. Now they say that wo n't work and the work had to be started before that would be acceptable. We ca n't begin the work because they wo n't give us the money to finish paying for the materials. I have n't even ordered the new door because we are having so much trouble getting the money to pay the bills.
Product: Debt collection

Diversified Adjustments continues to try and collect on a debt they dont have a contract for. They are reporting unverifiable and inaccurate information violating the FCRA. Diversified Adjustments keeps sending me old bills and NOTHING with my signature on an original contract. Two out of 3 of the credit bureaus have removed them already from my credit due to FCRA violations.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

account # XXXX To Whom It May Concern, Thank you for your response to my complaint dated XX/XX/XXXX. I appreciate the time you took to investigate the matter. However, I must respectfully disagree with your findings and would like to address the concerns in greater detail.

1. Discrepancy in Reporting : I maintain that the information being reported to the credit bureaus is inaccurate. While you state that payments for XXXX, XXXX, and XX/XX/XXXX were not received and subsequently charged off on XX/XX/XXXX, this does not justify continuing to report an inaccurate balance. Once an account is charged off, the balance should be reported as {$0.00} in accordance with industry standards unless the debt has been sold or transferred. Please provide clear documentation that supports the balance of {$16000.00}, including a detailed accounting of the alleged debt.

2. Verification of Debt : I am requesting that you provide the following : A copy of the original agreement or contract that establishes my obligation to pay the stated balance.

A complete payment history showing all payments made, fees assessed, and how the current balance was calculated. 
Proof that XXXX XXXX XXXX is legally entitled to collect this debt or assign it to a third-party agency. 
3. Good Faith Resolution : While I understand your obligation to accurately report to credit bureaus, I respectfully request that you reassess the account balance and work with me to resolve this matter fairly. If the balance can not be adjusted to {$0.00}, please provide a detailed explanation as to why the account was not settled as part of the charge-off process. 

I am willing to work toward a resolution that satisfies both parties. If you are unable to provide sufficient documentation or validation of this debt, I respectfully request that you correct the inaccurate reporting with all consumer reporting agencies. 

Thank you for your attention to this matter. I look forward to your prompt response within 30 days, as required by the Fair Credit Reporting Act ( FCRA ). 

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

The information is XXXX & Experian & Equifax have not fully investigated as per the FCRA. Experian & Equifax have violated several laws in not investigating this. Based on true original date of delinquency this is to be removed. I have tried multiple times to get XXXX XXXX XXXX XXXX removed due to the inaccuracy.
Product: Debt collection

Lvnv funding threatens to take me to court for the amount I owed on a charged off credit card through XXXX XXXX XXXX. They send me an email saying if I didnt pay they would send it to attorney and I would get a court date
Product: Credit card

HSBC Bank USA , NA refused to issue a credit balance refund, upon receipt of a written request from me ( the account owner ), stating as their excuse that there was an outstanding XXXXmonth-old 'security hold ' on the account. ( This credit card account had been 'hijacked ' in XXXX 2015. HSBC was not able to resolve account security issues to my satisfaction so I decided to close the account but, first, I needed the credit balance refunded. ) HSBC refused to issue the credit balance refund, as required by Regulation Z XXXX, unless I first lifted the 'security hold ' ; Regulation Z does n't appear to allow that exception. We lifted and immediately reinstated the 'security hold ', as HSBC required and, supposedly, the credit balance refund request is now being processed.
Product: Mortgage

I just spoke with your department handling the Greentree LLC disbursements. They said I was never reported by Greentree as having a serviced account with them. They serviced my first and second on my residence. The second from XX/XX/XXXX thru XX/XX/XXXX, the first was sold to them on or about XX/XX/XXXX-XX/XX/XXXX. I filled several complaints with your organization about Greentree, indicating the abuse and theft I went through with them. I do n't understand how there is no record of my servicing through Greentree.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoke with several representatives from affirm and its third party credit collection company names XXXX XXXX XXXXAffirm and XXXX according to the supervisor at XXXX have an internal battle and affirm will not update customer accounts because they want the money transferred from XXXX which they can not being it was sold off from affirm to XXXX. So for months my credit report is reporting false information
Product: Debt collection

Ive been dealing with this since last year, I asked them to run the secondary insurance but they failed to do it on time, now they are out of compliance and the secondary insurance wont pay, thats the reason we have a secondary insurance. I called last year in XXXX, XXXX and XXXX before the 2 year timeframe of the procedure elapse. Now I just noticed they are reporting the debt into my credit which is illegal to do.
Product: Credit reporting or other personal consumer reports

I wish to stress that I have no association with these creditors, and I did not instigate this inquiry on my credit report. I urgently beseech you to take immediate steps to remove it without any additional delay.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following negative items listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These items remain unverified and raise serious concerns about their legitimacy. I have made numerous attempts to resolve these inaccuracies by submitting disputes and providing supporting documents, but I have yet to see any action taken to correct them. This inaction has had a detrimental impact on my financial stability and has taken a severe toll on my personal health. The ongoing stress caused by these unresolved issues has made it difficult for me to focus on daily life. 

As outlined in the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report free of unverified and inaccurate information. I ask that you investigate these matters thoroughly and resolve them immediately to ensure compliance with federal regulations.