23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Summary : I went to court in early XXXX and entered into an agreement to pay an amount due that was being collected from an auto incident I had earlier. The amount was just over {$4400.00} from this instance. I was under duress at the time as we have a XXXX son and being a senior citizen were going through major struggles at the time as a result. 
It appears this may be covered by the Elder Justice Act, enacted in XXXX, as I was XXXX years of age at the time. Some of the pertinent facts include the following : I informed the attorney our income was totally from Social Security at the time and that we had a XXXX son with no assets. A payment schedule that includes an interest rate in which the principal would never be paid off and was never fully explained to me. No reference has ever been made to the interest rate since the agreement and disclosures regarding this appear to have been concealed to disguise the intent to never have the debt paid off and collect an even higher amount than the initial agreement upon termination of payments. 
The attorney threatened me when I signed the note that if I missed or was late with one payment they would come after me, garnish our social security payments and freeze our bank account, regardless of the fact that we needed Social Security to live on. 
This letter was triggered by a statement in the mail reflecting the following : The statement indicated the principal amount was {$6400.00} and we now owed {$7300.00} after making {$8800.00} in payments over the last five years. 
We no longer have the original paperwork and seldom receive any information from XXXX XXXX, no invoices ( but we pay regularly ) and a yearly statement which is attached. It just became apparent to us that we were being exploited upon receipt of the attached statement upon determination that we currently owed {$7300.00} after {$8800.00} in payments for a total original claim of around {$4400.00}. 
In summary, I believe I was intimated and exploited as a senior citizen, especially considering the circumstances ( under duress ) and now find that I have paid {$8800.00} ( almost double the amount of the collection ) and have a higher balance than when we signed the agreement. Is this the way that law firms are supposed to act toward the more vulnerable population, such as senior citizens?
Product: Checking or savings account

On XX/XX/XXXX I signed up for a security monitoring service named XXXX  On XX/XX/XXXX I received an email stating that XXXX is becoming XXXX XXXX XXXX On XX/XX/XXXX my security monitoring contract ended with XXXX I advised XXXX XXXX XXXX on XX/XX/XXXX that if they could not lower my rate I did not want to continue with the service. They sent me an email invoice and told me that the contract would be attached within a couple of days. The contract was never attached, I called back and still no one was able to assist with the contract. At that point I advised that I no longer wanted to move forward with the deal. 
XXXX proceeded to continue to attempt to charge me for the amount XXXX even though I am no longer under contract and advised that if they could not lower the amount I am leaving. 
I reach out to another alarm system provider and was advised that I could not use the system with any other service because the system is locked. I have attached text message conversations between XXXX and me that shows where they told me after a year I would be able to use the equipment with any other provider. Which has now proven to be false. 
So then I notice that XXXX started charging a debit card that I did not have on file. I used the card for a one time purchase at XXXX and did not have it listed as a form of auto draft for monthly payments however XXXX decided to charge my debit card that I did not authorize for payment multiple times in the amount of {$44.00} 3x 's within one week. 
I reached out to Chase who reversed the funds and returned the money back to me, then they reached out to XXXX who provided them with a signed contract from me to prove that I agreed to the amount they were charging. Chase then charged me in the amount of XXXX x 's 3 again, so now I am out of money that I do not owe XXXX. I never signed a new contract with Brinks and do not know how they could have provided Chase with a contract, I advised XXXX in XX/XX/XXXX that I no longer wanted the service if they could not lower rate. I reached out to XXXX and they said that they do not send contracts to banks. Chase is now telling me that they can not give me my money back. In a nutshell I do not have a contract of service with XXXX, I did not authorize the use of my debit card for payment and I can not use the monitoring system with another company as they and XXXX stated to me. Please see all attachments.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX and XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX, Transunion, and XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer. XXXX has issued conflicting and misleading dispute results, violating my rights under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). 

Discrepancies in Dispute Results I have filed the following disputes regarding this account : 1. Confirmation number XXXX was submitted on XXXX XXXX XXXX, and was marked as completed on XX/XX/year>. 
2. Confirmation number XXXX was submitted on XX/XX/year>, and was marked as completed on XX/XX/year>. 
3. Confirmation number XXXX was submitted on XX/XX/year>, and was marked as completed on XX/XX/year>. 
4. Confirmation number XXXX was submitted on XX/XX/year>, and was marked as completed on XX/XX/year>. 
5. Confirmation number XXXX was submitted on XX/XX/year>, and was marked as completed on XX/XX/year>. 

These accounts has never been removed and continues to negatively affect my credit report, making XXXX response both inaccurate, misleading and causing me ongoing distress. Misrepresentation in Dispute Results : Reporting that the disputed items were completed, taking mere days to complete while it remains on my credit report violates the XXXX prohibition on unfair and deceptive practices. I request that the CFPB take action to ensure XXXX, XXXX and Transunion complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX - XX/XX/2023 - Hard inquiry that was not authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX, I switched cell phone carriers from XXXX to XXXX. After becoming a XXXX customer, I was eligible for the switch promo XXXX was offering new customers. This meant that new customers could submit their final bill from former carrier and XXXX would allot for the payoff. I contacted XXXX several times for the final bill they never did comply. XXXX XXXX, 60 days past which made me ineligible for the switch promotion pay off. Of which time XXXX turns my account over to collections, ( I. C. System, inc. ), who begins reporting this account to all three credit bureaus and is currently still reporting. Again I contacted XXXX several times for final statement of my bill to submit to XXXX for payoff. XXXX never sent me a final document ; email or hard copy. XXXX has since dealt away with the matter. They 've received payment for turning the account over to the I. C. System collection agency, & I 'm now left with the negative reports against my credit through no fault of my own!!
Product: Debt collection

I am in the process of trying to purchase a home, I spoke with a mortgage representative on XX/XX/XXXX and they pulled my credit, on XX/XX/XXXX, I spoke with a credit repair specialist that deals with the mortgage company, after looking at all of my credit reports advised me of what I would need to take care off. On XX/XX/XXXX, I received a notification that Hunter Warfield, Inc had been added to my credit profile for a collections of {$1500.00} and that the credit file had been opened on XX/XX/XXXX.  Since XX/XX/XXXX, I have been diligently working on my credit to attempt to correct it and I have been keeping a watch on my credit report since, not one time, was this ever placed on my credit report, I never received any telephone calls, emails or mail from this place. I was actually disputing the charges with XXXX XXXX XXXX ( this is who the original company is ) as I do not feel that the charges are valid. I lived in their apartment complex for 2 months, gave noticed to vacate, ( this was a month to month lease ) and handed over the keys. I also requested to be present for the walk thru and was told that I would receive a date, that never happened. Months later, I received a notice from XXXX XXXX XXXX, advising that I owed for damages and cleaning, I attempted to call and received no communications from this company until XX/XX/XXXX, when it showed up on my credit report from Hunter Warfield.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint to let you know that upon obtaining a copy of my updated Credit Report, you have failed to comply with my previous request and you continued reporting the disputed items as if they have been verified. I requested that you remove the disputed accounts and information that resulted due to my identity being stolen in accordance with the Fair Credit Reportin Act section 605b. However, I see here that you are still repoting the disputed accounts like they were accurate and yet you have not sent me any documents to support your claims. Please comply with the Federal law and have the disputed items removed from my Credit File as soon as possible : 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 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 XXXX XXXX XXXX If you believe that the disputed items belong to me, I request you to please send me any documents you found proving that the disputed items are legally mine. If you fail to provide these documents within the time allowed by law, I expect immediate deletion of the disputed items.
Product: Debt collection

Cavalry Portfolio is attempting to Collect for a card that was identity thefted.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXXXXXX 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: Checking or savings account

The bank suddenly, without notice, closed my account on XX/XX/23 apparently because I was deemed a threat to the bank. I requested information today on how they decide when a person is a threat to the bank. However, they did not give me any reasons why. They simply said that it was a done deal and there's nothing that I can do to correct the issue. They mentioned that a letter was mailed to me on XX/XX/23 however I have yet to receive it. I have not given JP Morgan Chase reasons for this to happen. I have been a member of this bank for more than 15 years and have never had any problems.
Product: Credit reporting or other personal consumer reports

I would like this item immediately re-investigated. I have never lived at this addresses. Please provide information on how you verify and who you verify this information with. Name and business of the individual you spoke XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

XXXX Credit report shows XXXX XXXX  reporting a 30 day late payments. 
They have not provide documentation to support these late payments. 

I closed this mortage account in XX/XX/XXXX. in XXXX  it was in a XXXX  XXXX. 
I would not have been able to be discharge in XXXX  if I Had a late payment in XXXX. 

I provided them with my payment information to correct the reporting.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX, XXXX, XXXX, Georgia XXXX Dispute of Hard Inquiry on my Credit Report Dear Sir/Madam , I am writing to officially dispute a hard inquiry that is listed on my credit report. After reviewing my credit report obtained from your credit reporting agency, I discovered an inquiry that I did not authorize or recognize. I request an immediate investigation into this matter and ask for the removal of the hard inquiry from my credit profile. 
Details of the hard inquiry : THD/CBNA - Inquiry XXXX - Company Name : THD/CBNA I would like to highlight the following concerns regarding this hard inquiry : 1. Unauthorized Inquiry : I have not given consent to THD/CBNA or any other entity to perform a hard inquiry on my credit report. This unauthorized inquiry has been detrimental to my credit score and overall financial well- being. 
2. Lack of Information : I am unaware of the specific purpose for this inquiry. I have not engaged in any new credit applications, loan requests, or any other activities that require a hard inquiry during the stated time frame. 
XXXX. Possible Error : It is possible that this inquiry has been reported incorrectly, or there may potentially be an identity theft issue. I request a thorough investigation to verify the legitimacy of this inquiry.

In accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to a prompt investigation of this disputed inquiry. Therefore, I kindly request that you initiate the investigation immediately and provide me with a written response within the legally mandated 30-day period.
Please provide me with the following information upon completion of your investigation : 1. Confirmation of the legitimacy of the hard inquiry.

2. The source of the inquiry.

3. Steps taken to rectify any errors or inaccuracies in my credit report.

4. Verification of the removal of the disputed hard inquiry from my credit profile.

5. Updated copy of my credit report reflecting the amendments made. 
I understand the importance of maintaining accurate and up-to-date credit information. I respectfully request your urgent attention to this matter and appreciate your cooperation in resolving the dispute promptly. 
Enclosed with this letter are copies of relevant documents supporting my dispute. Should you require any further information or documentation from me, please do not hesitate to contact me using the information provided above. 
Thank you for your immediate attention to this matter. I look forward to receiving a satisfactory resolution to this dispute within the designated time frame. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep concern and frustration regarding a persisting issue related to fraudulent items on my credit report. Despite numerous attempts to rectify this situation, I am dismayed to discover that these items continue to be reported on my credit profile. The fraudulent items in question pertain to continues reporting in my file, such as unauthorized credit accounts, erroneous late payments, or identity theft-related issues. These inaccuracies have had a detrimental impact on my credit score and have caused undue stress and inconvenience in my financial life. I would like to bring to your attention the various steps I have taken to resolve this matter : I sent dispute letters to all three major credit bureaus Equifax, XXXX, and XXXX, providing detailed information about the fraudulent items and requesting their removal from my credit report. In compliance with legal requirements, I filed a police report regarding the identity theft associated with these fraudulent items. I also completed an Identity Theft Affidavit with the Federal Trade Commission ( FTC ). I have contacted the relevant creditors involved in these fraudulent accounts to inform them of the situation, dispute the charges, and request any necessary documentation. Despite taking these steps and providing all requested documentation to substantiate my claims, I am dismayed to see that the fraudulent items remain on my credit report. This situation is not only damaging my financial stability but also causing significant emotional distress. I kindly request your immediate attention and action to rectify this matter. I urge you to investigate this issue promptly, remove the fraudulent items from my credit report, and provide me with written confirmation of their removal. Additionally, I request that you review your internal procedures to prevent such issues from occurring in the future. Failure to address this issue adequately and promptly may compel me to seek legal recourse to protect my rights as a consumer. I believe that a swift resolution is in the best interest of all parties involved. Please consider this letter as an official complaint and a formal request for action. I expect your response within the exact timeframe from the date of this letter. Kindly assist me to remove these fraudulent items right away : XXXX XXXX SQ XXXX, FL XXXX XXXX WANDERING XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX Balance : {$44.00} XXXX XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX Balance : {$44.00} XXXX XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX SQ XXXX, FL XXXX XXXX XXXX XXXX AV XXXX, FL XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX : {$6500.00} XXXX XXXX XXXX Balance : {$44.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$24000.00}.
Product: Mortgage

We filed bankruptcy in 2010. We live in the effected area where Hurricane Harvey hit and flooded our neighborhood. We have our mortgage with Well 's Fargo Home Mortgage. We have been passed around so many times that I do n't have any names to give you on who said what. We decided to relocate and are in the process with an SBA loan. Our home owner 's insurance on the current flooded home, did not cover flooding, but did roof. We had hail damage and the roof leaked during Harvey, causing mold to grow on the ceiling. XXXX XXXX, home owner 's insurance, only paid {$6100.00} to fix the roof. This check was made out to us and Well 's Fargo. We followed their steps to send the check to them. We faxed them a letter, per Well 's Fargo, stating that we needed to know in writing if they were going to apply the monies to our outstanding balance or use it to fix the house. That was 2 weeks ago. We have heard nothing from them. All we need is a letter stating their intention towards the monies and they will not let us know. My husband called them last week and ended up in an argument with the person he spoke with.
Product: Debt collection

I respectfully request that you conduct a thorough investigation, as by the Fair Credit Reporting Act ( FCRA ). I would like to request that you please send me a template letter in response to this request. I am in the process of planning a legal case, So I need specific answers to specific questions asked of you in this letter. I am very interested to learn how your investigator ( s ) arrived at this conclusion. I would like to see a complete list of all documents and correspondence between the credit bureau, existing creditor, and original creditor. Please include all names and contact information of employees that you spoke to as part of your investigation. These accounts listed below as collections /charge off / Late pays/ charge offs on my credit report, but I have never received a 1099c for these accounts. Can you please provide me with a 1099c to accurately reflect them being charged off for tax purposes.

15 US Code 1692c 15 US code 1692g 15 US Code 1681e ( b )
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to freeze my LexisNexis consumer disclosure report, yet despite several attempts both by mail and by phone, the company has yet to comply. 

So, I am requesting a security freeze be place on my Consumer Disclosure report. I opt out of LexisNexis disclosing future information until further notice, which includes the C.L.U.E report and other reports furnished by LexisNexis regarding all personal information of mine. This includes information currently shared with XXXX  and other third-party reporting companies. 

This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply. 

My identification is attached to perfect this request. 

I am also opting out of any and all sharing of my personal information.