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

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

*****EQUIFAX HAS " NOT BEEN ABLE TO PULL MY REPORT FOR DETAILS DUE TO NO REPORT BEING FOUND '' for a year now!! Before you deny/close out the claim due to YOUR error with recieveing my none frozen or restricted account be sure it is in the USA and my name and other info IS CORRECT*****I have spoken to a lawyer and the next violation or careless error on your end or the CFPBs will be cause for MOTION TO FILE SUIT!!!

This company has taken more than 60 days to mail me my proof of signature and agreement between me and the listed companies which is clearly against the law. Most of the Inquiries are within 1 day of eachother and or I have no knowledge of a HARD pull as stated In my initial dispute. PLUS I'm entitled to the methods used to speak with the company to validate the info by you..ie name of person spoken with # /department time etc. 
REGULATIONS/LAWS BROKEN : 15 U.S.C. 1681n ( a ) Damages/Defamation of character/ Negligents 1.Civil liability damages violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ] obtaining my CREDIT BUREAU consumer report without my permission : Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 )
Product: Credit reporting or other personal consumer reports

I fell prey to identity theft, and my local bank advised me to fi le a report with the FTC. The details provided herein are the most precise available. Atsome point within the past four years or more, I became a victim, and an unidentifi ed individual illicitly obtained my personal information to openmultiple accounts without my awareness. Enclosed is a list of these fraudulent accounts that require removal from my credit record.
Product: Credit reporting, credit repair services, or other personal consumer reports

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report XXXX XXXXXXXX XXXX {$1200.00} XXXX XXXX {$180.00} XXXX XXXX  XXXX {$0.00}
Product: Debt collection

At XXXX est. Resurgent debt call my phone that was answered by my fiance and with her verifying only my date of birth was able to be told I owed a debt to XXXX for XXXX from XXXX. After I met up and got my phone I was handed over to the lady on the phone which proceeded to tell me that I owed this debt when I call her out for sharing my information he denied all information. I asked to talk to a manager and was told that there was not one. I asked to have a manager to call me. The response was would you like to take care of the debt. My response was I want a manager you gave out information that has nothing to do with my other have. Then there was long silence. This debt was taking care of back in XXXX or XXXX. I owe nothing.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information in my file. Recently, I received a copy of my Equifax credit report. The credit report showed several inquiries that I did not authorize. I am requesting that the following inquiries be removed from my credit file because it is making it very difficult for me to acquire credit.

The FCRA states that the only permissible purpose for pulling someones credit is for : 1. Firm Offer of Credit 2. Insurance 3. Employment 4. Court Order The following credit inquiries are related to none of the aforementioned permissible purposes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing regarding my credit report, which contains inaccurate and incomplete information that requires your attention. Specifically, I wish to dispute these accounts : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. 

The reason for my dispute is that your agency has not provided sufficient information to verify the debt in question. XXXX and XXXX, another credit bureau, has already corrected the inaccuracy these accounts from their records due to an identified error. I am perplexed as to how you have verified these accounts while the other bureaus have updated it. Therefore, I request that you correct these accounts from my credit file as it is inaccurate, erroneous, incomplete, or unverifiable. 
I insist that you cease reporting these accounts as late on my credit report immediately. Failure to comply with this request may result in legal action being taken against your agency.
Product: Mortgage

Dear XXXXQuality Loan ServicingI appreciate your time in resolving title challenges. Your response XX/XX/XXXX raises more questions. 
XXXX has confirmed by letter the servicing was scheduled the last quarter of XX/XX/XXXX only - not XX/XX/XXXX. 
Therefore who ordered foreclosure XX/XX/XXXX - provide documentsMy bankruptcy attorney was not noticed at no time by Quality Loan Servicing XX/XX/XXXX-XX/XX/XXXXI am waiting for response from appropriate parties- Quality Loan Servicing was not obligated to notice bankruptcy attorney or bankruptcy about moving forward with XX/XX/XXXX foreclosure. 
There was a modification pending with XXXXTo date the XXXX XX/XX/XXXX is void- no record foundThe debt was reaffirmed in bankruptcy and provided to XXXXQuality Loan Servicing would you provide any communication to or fromXXXX XXXX ( to QLS ) Bankruptcy attorney XXXX ( from QLS ) Bankruptcy trustee XXXX ( from QLS ) Or any other documents connecting XXXX to QLS after XXXX was taken over by FDIC in XXXX XXXXIt appears there is a violation of the bankruptcy stay
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 alerted by XXXX XXXX that I collection added to my credit report on Equifax. This was odd because I am in the process of buying a home and my credit report was just pulled that morning, those collections weren't there. When I looked at the collections on the report I was shocked. It was a total of 6 collections totaling {$2200.00}. These collections were from various collection companies. When looking at each collection it stated that its being disputed by consumer. I had never seen these collections or disputed anything, they have me mixed with somebody else. The next thing I did was call the collection companies. Each collection company said that the account number that I gave them didn't belong to me it belong to some else in different state. They couldn't find me in the system at all. The collections companies stated that they reported these collections to Equifax and Equifax reported the collections to the wrong credit report. These collections don't appear on XXXX  or XXXX. Next I called Equifax. I explained the problem and that Iam in the process of buying a house, I need them removed. They just did a dispute and said it could take 30 days. This is flat out wrong!!!!!!!!!!!!!!!. This is fraud.
Product: Credit reporting or other personal consumer reports

This compliants about inaccurate information being reported on my credit report. Under the law, a credit reporting agency must take action to verify information submitted as inaccurate. 

XXXX XXXX  XXXX Balance {$810.00} XXXX XXXX Balance {$1100.00} XXXX XXXX XXXX XXXX Balance {$4000.00} XXXX XXXX XXXX XXXX Balance {$89.00} XXXX XXXX XXXX XXXX Balance {$10000.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the removal of unauthorized inquiries from my credit report. Upon reviewing my credit report, I noticed the presence of inquiries that I did not authorize or initiate. I understand that my credit report should only include inquiries that I have explicitly consented to, and any unauthorized inquiries may negatively impact my credit score.

Below are list of unauthorized inquires that need to immediately be removed 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 I am well aware of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws. According to these statutes, I have the right to dispute inaccurate or unauthorized information on my credit report. I kindly request that you investigate the aforementioned unauthorized inquiries promptly and remove them from my credit report as per the following legal provisions : Fair Credit Reporting Act ( FCRA ) : Section 609 ( a ) ( 1 ) : Requires that consumer reporting agencies provide consumers with a copy of their credit report upon request.

Section 611 ( a ) ( 1 ) ( A ) : Grants consumers the right to dispute inaccurate information on their credit reports.

Section 611 ( a ) ( 2 ) : Mandates prompt investigation of disputed items by the credit reporting agency.

Fair and Accurate Credit Transactions Act ( FACTA ) : Section 113 : Prohibits the inclusion of unauthorized inquiries on a consumer 's credit report.

Consumer Financial Protection Act ( CFPA ) : Prohibits unfair, deceptive, or abusive acts or practices related to consumer financial products or services.

I kindly request that you provide a written response within the statutory timeframe acknowledging the receipt of this dispute and detailing the results of your investigation. If the inquiries are indeed unauthorized, I expect them to be promptly removed from my credit report.

Please send all correspondence related to this matter to the address listed
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous month, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you XXXX more chance to delete your errors and remove my records. Please take off the accounts, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX did my Hard credit check without my Authorization.I didnt gave any authorization either orally or written to do my credit check.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX, and I'm including it again. 

BANK XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX  XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$820.00}, DEPT OF ED/XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00}, DEPT OF ED/XXXX  XXXX Date opened XX/XX/XXXX Balance {$2800.00}, DEPT OF ED/XXXX  XXXX XXXX opened XX/XX/XXXX Balance {$2300.00}, DEPT OF ED/XXXX  XXXX Date opened XX/XX/XXXX Balance {$240.00}, DEPT OF ED/XXXX  XXXX Date opened XX/XX/XXXX Balance {$460.00}, DEPT OF ED/XXXX  XXXX Date opened XX/XX/XXXX Balance {$4600.00}, DEPT OF ED/XXXX  XXXX Date opened XX/XX/XXXX Balance {$280.00}, and DEPT OF ED/XXXX  XXXX Date opened XX/XX/XXXX Balance {$160.00}.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Election Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I have about 6-7 collections from the company Americollect I was only notified on 2. I didnt find out about the others until they were added to my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX AND Equifax has false, erroneous & harmful information from my credit profile and should rectify this as soon as possible by deleting this from my credit report. 
this is not only incorrect but is also impacting me negatively as I can potentially be denied employment and or housing. 
the accounts that should be removed are : Dept of EdXXXX Dept of Ed/XXXX US Dept of Ed
Product: Money transfer, virtual currency, or money service

i was offered a balance transfer from southwest chase visa. i used the checks sent to me. that check was returned by my bank saying it was " bad ''. When i called Chase, they said they were " aware '' they had sent out some " bad '' checks ( this is fraud right here ) and that i could do transfer over the phone. i did that XX/XX/XXXX. while being charged XXXX $ and a fee of XXXX to my chase card, the money was NEVER paid to my other bank. That was XXXX weeks ago and while i have called chase XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX and they have said they were " investigating '', they always come back and say the money was paid. THE MONEY HAS NEVER BEEN PAID AND CHASE WILL NOT LOOK TO SEE WHO FRAUDULANTLY SIGNED THE BACK OF THE CHECK. 

I DID NOT GET THIS MONEY, I WANT MY CHASE ACCOUT CREDITED THE XXXX PLUS FEES AND I SHOULD GET MY ANNUAL FEE REFUNDED BECAUSE THIS IS THE WORST CUSTOMER SERVICE I HAVE EVER HAD FROM ANY BUSINESS.
Product: Credit card or prepaid card

I have a Comenity Sony Credit Card and am traveling almost XXXX miles away from home. After 2 days ( and confirming via text that the transactions are indeed mine from traveling ) my card is getting declined. I went online but the site is undergoing planned maintenance that is running longer than expected and I have no access to my account. I tried calling the customer service line ( XXXX ) and the fraud department and it all says that they can not access accounts and it hangs up on you. I dont know if there is fraud on my account or if the maintenance causes the declines, but Im running out of other funds fast. How do I get help?
Product: Credit reporting, credit repair services, or other personal consumer reports

In a previous complaint I transposed XXXX  and Experian. Experian refuses to remove the information. XXXX  and XXXX  both removed the information. 

All three -- Experian, XXXX, XXXX  -- were reporting XXXX XXXX information that XXXX XXXX was fraudulently reporting to them. I made payments on one student loan account at XXXX XXXX. In XX/XX/2019 I asked XXXX XXXX to place the account in deferment because the student was still in school. They verbally agreed, sent me a notice on their " secure email '' portal that they could do so on my EFS  account but would need to speak to others if I wanted any assistance on credit card payments. I did not need assistance with the credit cards and did nothing along that line. One dirty little secret is that XXXX sets up additional student loans under the same account but with " sub-account '' numbers. I made payments via the top level account. I checked my account in XXXX and the account appeared to be properly deferred and not requiring payments. Suddenly in XXXX XXXXtwo_ delinquent accounts showed up on my credit reports, both from XXXX. One account showed " pays as agreed '' in XXXX then 30-days-late in XXXX. The other account showed " pays as agreed '' in XXXX then __60-days-late__ in XXXX. I immediately called XXXX, paid everything they said was owed, and they indicated they would remove the reported delinquencies. They never did. And their " secure email '' is apparently no longer in the system and does not show up in my " secure email '' portal any more. 1. It is IMPOSSIBLE in this universe for an account to go from " pays as agreed '' to 60-days-late in a single month. This alone is FRAUD. 2. XXXX XXXX buries the fact that even though you have one main account number, and make payments on that one main account number, that all of the " sub-accounts '' are reported individually. This is also FRAUD because it is like a credit card company claiming that each transaction is a separate " account ''. I had two student loan TRANSACTIONS with XXXX. They were paid under ONE ACCOUNT NUMBER. But reported as two accounts? And then, the one account on which I was paying goes from " pays as agreed '' to *BOTH* 30-days-late *AND* 60-days-late??? FRAUD. I talked to XXXX XXXX MANY times to attempt to resolve but they refused to remove the fraudulently reported information. I disputed multiple times with all three reporting agencies. But their online dispute forms make it very difficult to explain precisely WHY the information is wrong, so it kept coming back onto my reports. I finally submitted disputes via the " other '' reason that allowed me to enter an explanation. XXXX  removed the information. And it has stayed off. XXXX  removed the information. And it has stayed off. Experian REFUSES TO REMOVE THE INFORMATION. It is ALSO an impossibility in this universe that XXXX XXXX allowed XXXX  and XXXX to remove the fraudulent information but told Experian to keep it. MORE FRAUD.
Product: Mortgage

To whom it may concern, I would like to file a complaint with PHH Mortgage in a matter concerning the removal of my mortgage insurance removed. 
I first contacted PHH by phone around XXXX XXXX to find out how I can request an appraisal on my primary residence to document I have sufficient equity with an LTV of equal to or less than 80 %. This home was purchased in XX/XX/XXXX. I was told that a letter would be sent to my residence by mail and I can expect to receive it within 5-10 business days. 
After receiving the letter, I contacted PHH again to clarify if the same type of appraisal would be required if I was documenting I made sufficient improvements to increase the value of the home since the purchase date or what the home is worth in the current market having been seasoned at least two years. I was told that the same appraisal type would be used for both and their seasoning requirement was based on the date of the first mortgage payment. 
I sent a check to PHH in the amount of {$150.00} for the cost of the appraisal. It was cashed on XXXX and I have yet to have an appraisal scheduled. I am now writing this letter on XXXX after multiple phone calls with PHH on XXXX, XXXX, XXXX and XXXX. Each time I am told that my matter is being escalated to the proper people and I am also not provided a definite reason as to why it can not be scheduled. 
I finally informed them that I would be placing a complaint with the FCPB if I did not have an appraisal scheduled by XXXX. I have had no further contact since then. I relayed my concerns to the agent that I feel PHH may be waiting out the current market with interest rates rising in an attempt to impact the value of my appraisal. 
Per the letter I received from them, I can expect to wait an additional 15-20 business days for them to review the appraisal after it is completed. ( This letter is attached with the complaint ). I am now 26 business days after my check was cashed without an appraisal scheduled and can expect to wait at least another 15-20 after the appraisal is performed. 
Please let me know if you can be of any help in this matter.
Product: Credit card

I had a credit card bill dated XX/XX/year> with a balance of XXXX which was due by XX/XX/year> and a statement closing date of XX/XX/year>. A payment of {$1500.00} was submitted on XX/XX/year>. Various credits for return products totaling XXXX between XXXX and XX/XX/year>. Lastly the payment of XXXX on XX/XX/year>. 

The last payment of XXXX was after the due date yes. All my other credit cards would charge a late payment fee but no interest because it was still within the statement period. When I look at my statement closing XX/XX/year>, the interest was charged not on the XXXX original balance, not the XXXX of a balance after my payment on XXXX, not the balance of XXXX which is net of the returned items, but rather on XXXX. So they charged XXXX in interest and after communication with their customer service group was to expect more interest to be charged for the next month statement. So as it currently stands, ( XXXX XXXX unpaid balance ) XXXX days late X 365 days = 754.68 % interest rate. That's before they charge some other arbitrary interest charge for the next month.
Product: Credit card or prepaid card

Last week my Comenity XXXX XXXX card stopped working ( all transactions declined ) with no notification of any kind from the company. I tried logging into my account online and it said username/password were incorrect ( they were not ). I then tried to use the " forgot username or password '' link, entered my card #, zip, and last 4-digits of social and was told there were no accounts that matched that information.

So my account was either locked or closed without my knowledge, and I can not contact Comenity Bank via email, phone, or even social media. I want to officially close my account but I can't contact anyone at Comenity to do so.
Product: Credit card or prepaid card

I've had my XXXX XXXX 's account for a long time and been making payments on time with no problem. Starting XX/XX/ 2018 they refuse to let me use my card and said I had to use alternate payment for my online order so I had to use my bank card this happened again on XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I had available balance but they denied me and I had to use my bank card instead.