23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I submitted a disputed in reference to XXXX. I never applied for a loan with this company and I wanted it removed from my credit report. Trans Union went through their 30 day process and came back with nothing. They stated they included new information on my credit report, the new information was they lowered my credit score because they are a main resourse for XXXX.
Product: Mortgage

I would like my Mortgage Services SPS to consider giving me extension another 180 Days of forbearance. I am financially not recovered as Direct impact of XXXX. 
I received a letter from SPS That I shall resume my payment starting XX/XX/2021. 
The balloon payment is due XX/XX/2021.
Product: Debt collection

This item from   XXXX   XXXX   XXXX   first appeared on my credit report in 2015 by another collection agency   XXXX   XXXX    XXXX  it was found not belong to me so the item was deleted. I recently received a copy of my credit report and noticed that AFNI was on my credit report for the same account that was deleted in 2015. AFNI has yet to provide me with legal documentation showing this debt belongs to me. I do n't want a letter attached with a bill I want a contract with my signature and identity attached
Product: Credit reporting, credit repair services, or other personal consumer reports

IT APPEARS, Account # XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 Section 602 A. States I have a right to privacy. 15 U.S.C 1681 Section 604, Section 2. It ALSO States A Consumer Reporting Agency. Can not furnish an Account WITHOUT My written instr
uction.

Attempted To Resolve XX/XX/2022. 
XX/XX/2022, I Received Email of Refusal to Comply via Experian.
Product: Credit reporting, credit repair services, 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 15 U.S.C. 1681 Section 602 A States I have the right privacy.

15 U.S.C. 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 U.S.C.! 681c. ( 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 crime 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: Debt collection

I sent a letter to State Collection Service Inc. at the beginning of XXXX in response to a collection letter they sent me. The letter they sent was the first one they sent. Days later the debt collection was on my credit report before even trying to resolve the matter. If giving a chance, then I could have provided them with my insurance providers information. I also contacted my insurance provider XXXX XXXX XXXX to make sure they would take care of the bill being that I didnt have my card at the visit. So I sent a letter asking for validation not verification. They responded with a doctor bill for XXXX from XXXX XXXX XXXX XXXX of XXXX XXXX la. I sent back a copy of my insurance card an a letter asking them to remove their inaccurate information from all my reports
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, a credit inquiry was initiated, but not by me. I contacted Synchrony as advised by XXXX XXXX, but Synchrony could not provide information regarding the account as they are claiming it was not reported by them. I contacted XXXX and their response was to obtain a statement from Synchrony, stating that I did not initiate the request. I received paperwork to submit to Synchrony to dispute the inquiry and they denied my request to remove the inquiry ... again because it's somehow not their account but has their name on it. The specific inquiry has something to do with " XXXX XXXX. '' They recommended I contact XXXX XXXX since its supposedly a known issue that had reached resolve, so I did, and XXXX XXXX suggested I contact XXXX. At this point, I'm being ran in circles and receiving no helpful information from any of the entities involved.
Product: Credit reporting or other personal consumer reports

I discovered multiple unauthorized ( XXXX ) hard inquiries on my consumer credit report, which I did not initiate. These inquiries are in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ), which prohibits furnishing reports for credit or insurance transactions not initiated by the consumer without their authorization or a firm offer of credit or insurance. 

The unauthorized inquiries listed are from entities like XXXX XXXX XXXX, XXXX, and others, all dated XX/XX/year>. Under the FCRA 15 U.S. Code 1681n ( b ), I am entitled to actual damages or {$1000.00}, whichever is greater, plus potential punitive damages due to these violations. 

I have already submitted XXXX XXXX to the Consumer Financial Protection Bureau and the Federal Trade Commission, demanding these inquiries be removed from my report. I've attached relevant documents including my ID, utility bills, rent statements, my Social Security card, a copy of my Equifax credit report with the fraudulent items highlighted, and a copy of my complaint to the CFPB. 

I expect a prompt response confirming the receipt of my letter and an update on the removal of these inquiries from my credit report as per the legal requirements of the FCRA. Thank you for addressing this urgent matter swiftly.
Product: Credit reporting or other personal consumer reports

WESTLAKE FINANCIAL HAS ERRONEOUSLY REPORTED INFORMATION ON MY CREDIT REPORT WITH ALL THREE CREDIT AGENCIES. THE INFORMATION ON THE CREDIT REPORT IS INACCURRATE AND I AM UNABLE TO ACCESS THE FILE WITH THIS AGENCY. THE LENDER WESTLAKE FINANCIAL HAS NOT PROVIDED ANY DOCUMENTATION OF THE FINAL RESOLUTION OF THE LOAN, CHARGE-OFF, PAYOFF STATEMENT, DEFICIENCY JUDGMENT OR THE LIKE WHICH IS IN VIOLATION OF MY FCRA RIGHTS. I AM UNABLE TO REACH THE LENDER WITH ANY OF THE INFORMATION LISTED WITHIN THE CONTENTS OF THE CREDIT REPORT. WESTLAKE FINANCIAL SVC regarding account # XXXX. Sections 9 and 20 of the FTC Act Section 9 of the FTC Act authorizes the Commission to require by subpoena the attendance and testimony of witnesses and the production of all such documentary evidence relating to any matter under investigation. 15 U.S.C. Sec. 49. Any member of the Commission may sign a subpoena ( pursuant to a Commission-issued resolution for compulsory process in the matter ), and both members and examiners ( employees ) of the agency may administer oaths, examine witnesses, and receive evidence. Id. ; Commission Rule 2.5, 16 C.F.R. Sec. 2.5. If a party fails to comply with a subpoena, the Commission may seek enforcement of the subpoena in [ a ] ny of the district courts of the United States within the jurisdiction of which such inquiry is carried on. 15 U.S.C. Sec. 49. After the Commission files its petition to enforce a subpoena, and following receipt of any response from the subpoena recipient, the court may enter an order requiring compliance. Refusal to comply with a court enforcement order is subject to penalties for contempt of court. The Bureau of Competition routinely uses the subpoena provisions of Section 9 to investigate alleged unfair methods of competition and other antitrust violations. By virtue of the FTC Act Amendments of 1994, the Bureau of Competition also may use civil investigative demands ( CIDs ) for investigations of possible antitrust violations. However, the Bureau of Consumer Protection may use only CIDs, rather than subpoenas, to investigate possible unfair or deceptive acts or practices. FTC Act Sec. 20, 15 U.S.C. Sec. 57b-1. The scope of a CID is different from that of a subpoena. Both subpoenas and CIDs may be used to obtain existing documents or oral testimony. But a CID may also require that the recipient file written reports or answers to questions. 15 U.S.C. Sec. 57b-1 ( c ) ( 1 ). In addition, Section 20 expressly authorizes the issuance of CIDs requiring the production of tangible things and provides for service of CIDs upon entities not found within the territorial jurisdiction of any court of the United States. 15 U.S.C. Sec. 57b-1 ( c ) ( 7 ) ( B ). Under Commission Rule 2.10, 16 C.F.R. Sec. 2.10, a party may raise objections to a subpoena or a CID by filing a petition to limit or quash. Such petitions will be resolved by the full Commission. The Commission may petition a federal district court to enforce the subpoena or CID in the event of noncompliance, although permissible venue is narrower in a CID enforcement action than in a subpoena enforcement case.
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 {$430.00} XXXX XXXX {$16000.00} XXXX  XXXX {$27000.00} XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX {$630.00} XXXX XXXX XXXX XXXX {$91.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute unauthorized accounts on my credit report. I recently obtained a copy of my credit report and discovered two accounts that I did not authorize or open. These accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I believe these accounts were opened fraudulently in my name. I have never applied for, nor have I authorized anyone else to apply for credit products with XXXX XXXX XXXX XXXX XXXX or XXXX XXXX. 

I request that these fraudulent accounts be thoroughly investigated and removed from my credit report as they are inaccurately reflecting my credit history and negatively impacting my credit score.

To resolve this issue, I am requesting that : A fraud alert be placed on my credit file.

These fraudulent accounts be blocked from my credit report.

I receive written confirmation of the removal of these accounts. 
I am also forwarding this letter to XXXX XXXX XXXX XXXX XXXX and XXXX XXXX for their immediate attention and resolution. I expect a prompt response from your agency regarding this matter. Under the Fair Credit Reporting Act, you are required to complete this process within 30 days of receipt of this letter.

Thank you for your prompt attention to this serious matter. Please contact me if you need any additional information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX. Experian has expressed to me in writing that my disputes will not be acknowledged because the account has been previously verified. The XXXX account # XXXX .... and XXXX XXXX account # XXXX in reference continues to report on my Experian file without proper verification or investigation. This is in violation of 15 U.S.C 1681i ( a ) ( 2 ). To prevent me from employment and financing opportunities these companies willingly commit aggravated identity theft by reporting this information without my consent. I am legally refusing to pay this debt pursuant to 15 U.S.C 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until XXXX XXXX and XXXX can provide me with sufficient documentary evidence that I have any legal obligations to pay them. Until this is done any reporting of this information in my credit report must be removed. They have no regard for my federally protected rights as a consumer. This is extortion and theft by deception. If these entities continue their unfair and incomplete reporting and debt collection tactics they will be held criminally liable for all damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice, it is a fact, that, I, XXXX XXXX have been a victim of practices that violate my rights as a consumer. 

Notice, it is a fact, that, I, have made many attempts in good faith to remove the accounts listed from my consumer report and the accounts have remained for over 12 months. 
Notice, it is a fact, that, I, have been denied the right to travel using a vehicle because these accounts remain on my consumer report. 
Notice, it is a fact, that, I, have been denied a home due to the fact that I have these accounts on my consumer report. 
This entire process has caused me nothing but stress and hard times enduring these denials. Not only for me but my family as well. These bureaus have been in the wrong and are breaking the law!!! Accounts that have been removed have been laced back on my account. If one bureau removed everyone has to follow! I threatened to send my certified mail stamps and documentation to CFPB and they finally removed the accounts but the accounts reported right back on my account! These accounts need to be removed, If these accounts are not removed. I will use my documentation and the law to pursue remedy for each violation which is well over {$XXXX} that I have counted in this last year since each violation is worth {XXXX}. I never authorized any credit bureau to furnish a report on my behalf so you are committing identity theft. This is my last time contacting your bureau in good faith. 
If they are not removed, I will no longer extend my credit or allow Equifax, to furnish a report for me. I would like to state that pursuant to 15 USC 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reports. By Equifax, allowing these inaccuracies to be furnished on my consumer report it has cost me to lose confidence in the banking system. If Equifax, and XXXX wants to continue doing business with me they should delete this inaccurate from my consumer report like XXXX has.
Product: Payday loan, title loan, or personal loan

I booked a trip to XXXX as bundle package ( air and rental ) through XXXX for payment I chose the affirm loan to make monthly payments. I realized the flight was incorrect and immediately cancelled the trip and rebooked it the same day with the same payment method. When I went to pay for the trip I had to 2 loan accounts. XXXX only booked the plane ticket in the initial reservation and left the rental. So I am being charged for 2 rentals even though I only utilized one. I was called 3 times I was sent to customer service representatives outside of the United States I was told a supervisor would contact me and no one has to this day and this situation has been goin on since XXXX. I tried to dispute the charge with affirm the loan company and they did nothing as well and kept sending me notifications that they were going to report this to my credit report. So I ended up paying for something I cancelled and never used to protect my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX old name ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX # ( XXXX ) XXXX My ex wife lived at this apartment and became behind on her rent. She was not evicted nor was I. The apartment was paid the past due rent and she moved out in XXXX of 2015, with all bill paid and current. The property allowed her to pay the rent and accomadting the late payments. There was never an eviction to move. The property recinded the eviction and did not update, that payments where paid and no eviction occured at the property. XXXX County Court JP XXXX XXXX XXXX County Justice of the Peace XXXX XXXX XXXX XXXX # XXXX, XXXX, TX XXXX ( XXXX ) XXXX ). I dont live in XXXX Texas, I live in California and was in the military when this judgment was entered. Under the SCRA she was allowed to move in XX/XX/2015. Theres an amount of {$2600.00} that was already paid to the propert in 2015 for past due rent. There was no eviction. Please contact the property and correct the court records and remove this from XXXX XXXX XXXX XXXX XXXX, Innovis, XXXX XXXX. Case # XXXX XXXX County
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit card

We booked an all inclusive vacation package through XXXX and paid using Chase provided XXXX XXXX Credit Card. Below issues encountered throughout our XXXX night stay : XXXX. The category of room that we booked ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) was never provided through out our stay. The resort representative and supervisor also confirmed that they do not have the room that we have booked. 
XXXX. The room service took more than XXXX hrs every time. My wife is a diabetic patient and had almost passed out on XXXX night for lack of food. 
XXXX. The hygiene in the room was very bad - sewage smell, fresh towels were not provided, etc. 
XXXX. The quality of drinks/cocktails were very poor quality and nowhere comparable to XXXX star rating claimed by the resort. 
XXXX. Reported these issues to XXXX XXXX XXXX with a promise that they will look into it and improve but no response or no improvement in service. 
XXXX. Overall behavior of staff across the resort was non courteous and as if they never cared. 
XXXX. XXXX of family member had health issue in bar and the staff refused to provide any water or food saying we need to order it through room service. 

We tried to dispute the charges with Chase Credit Card but Chase refused to help stating there is nothing they can do. This is a serious matter which require proper attention since the resort did not care about the well being of their customer even under dire circumstances which could have caused serious health issues.
Product: Debt collection

Subject : Formal Dispute and Allegations of FDCPA Violations To Whom It May Concern, I am writing to formally dispute the validity of an alleged debt and to address significant concerns regarding the conduct of your agency and its affiliates. Specifically, XXXX XXXX of XXXX XXXX, a company that previously claimed ownership of this debt and purportedly transferred it to LVNV LLC due to non-payment, is now contacting me again regarding the same account. XXXX XXXX asserts it is acting on behalf of LVNV LLC, despite my prior cease and desist notice issued to LVNV LLC in XX/XX/year>, which legally prohibits further communication from either entity concerning this matter. 

Your continued communication constitutes a clear violation of the Fair Debt Collection Practices Act ( FDCPA ), as both XXXX XXXX and LVNV LLC are engaging in deceptive practices, including : Language Fraud : Presenting conflicting claims regarding ownership and collection rights of the alleged debt. 
Failure to Validate the Debt : Neither XXXX XXXX nor LVNV LLC has provided sufficient validation of this debt, such as the original contract between myself and the alleged creditor, as required under FDCPA guidelines. 
Pursuant to 15 U.S.C. 1692 et seq., a debt collector is liable for punitive damages up to {$1000.00} per violation when failing to adhere to FDCPA provisions. Furthermore, upon issuance of a cease and desist notice, all communication regarding the disputed debt must cease until appropriate validation or resolution is provided. This requirement has been blatantly ignored by both entities involved. 

Given these ongoing violations, I demand the following : Immediate cessation of all communication related to this alleged debt. 
Full validation of the alleged debt, including the original contract and detailed account history. 
Written confirmation of compliance with my previous cease and desist order. 
Failure to comply with these demands will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and consideration of legal action for statutory damages as permitted by law. 

Please confirm receipt of this correspondence and provide a written response within 5 days detailing your corrective actions. 

Sincerely, XXXX XXXX ( all rights reserved )
Product: Credit card or prepaid card

Completed a balance transfer and have been making payments well above the minimum due and was told when I called that the 0 % balance would be paid on first after the minimum monthly payment due. I have to pay it off within 15 months. Reviewed the statement and see the amount only went down a few dollars instead of what Id been thinking should be almost all paid off. I contacted the credit card company, Citibank and they said thats not the way it works, that the highest interests rate gets paid first and you have to pay it off entirely before they apply anything to the 0 % interests. To me, that is a never ending battle, predatory to some extent and they should clearly explain that when you review the terms. This was my second attempt to resolve and they should have clearly stated that when I called in six months ago. It would have changed my use of the card ( which, I rely on to pay my bills and make purchases on throughput the month ). Had that been explained- I would not be using the card until all bills were completed and the balance transfer could have been paid completely. Now I feel like the extra has been for nothing and Im back to square one, which, is harmful for the general consumer and perpetuates credit card debt because it appears to be a way to help avoid interests, but instead, is a gimmick.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - First contacted Equifax to update phone number and they gave me a reference number saying it was done. 

XX/XX/XXXX - Informed by a major bank of no phone number for them to contact me for an application I had submitted. Held up an application and unnecessarily caused a processing delay. 

XX/XX/XXXX - Confirmed phone number was updated through a different financial institution - however credit score adversely impacted, as yet another " hard pull '' had to be done in order to process this additional consumer application.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX  Account Number : XXXX  Account name : XXXX  Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX  Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account XXXX : XXXX
Product: Credit card or prepaid card

I received a notice from US Bank that a credit card was opened in my name on XX/XX/2021. They reported that it may have been a fraudulent account. I contacted them and they informed me that the account was closed on XX/XX/2021. An address in XXXX, PA was listed as " my '' address on the application, and this is not my correct address. I did not try to open this account. US Bank confirmed that the account was closed, and I contacted the credit bureaus to put a fraud alert on my account.