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

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. XXXX  XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After several background check performed by checkr the most recent reported to XXXX that I have an open warrant in XXXX County FL from XX/XX/2002. Not only is that information inaccurate but it is 18 years old. XXXX has ultimately blocked my ability to drive causing a financial hardship at an already difficult time. I contacted Checkr to dispute this information and was advised their reinvestigation may take up to 30 days. So 30 or more days with no income. They also reported information in XXXX about a ticket which was XXXX processed and cost me 8 weeks of income. I feel like I am being targeted by this company on an effort to make their service appear to be valuable to these companies when in reality they are a scam.
Product: Credit reporting or other personal consumer reports

I am writing to complain to TRANSUNION about the reported unauthorized inquiries on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX, PA XXXX, and my name is XXXX XXXX XXXX. My birthdate is XX/XX/year>. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NH XXXX XXXX ( XXXX ) XXXX The account was charged off in XX/XX/XXXX. My Experian and XXXX credit report is showing for the last XXXX years ( EVERY MONTH ) that I have been delinquent. It also shows that I made a payment in XX/XX/XXXX which is simply not true. I have disputed this account multiple times and it was removed once, only to reappear XXXX months later. I get a run around everytime I call XXXX XXXX XXXX to try to straighten this out. I have also paid taxes on the charged off amount in XXXX. Can someone please investigate this and have this removed from my credit report? 

Thank you for your time.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous dispute, reference number XXXX, which was submitted to your agency on XX/XX/2024. I am deeply disappointed by the lack of resolution and your agency 's continual failure to remove the unauthorized hard inquiries from my credit report. As a conscientious consumer, I have diligently monitored my credit history, and it is distressing to see my efforts undermined by the persistence of these unauthorized inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19I paid {$29.00} to my credit monitoring account to review all three credit bureaus and became aware that there were significant fraudulent accounts on my credit reports. After reading my rights as a consumer in the Fair Credit Reporting Act, I typed and signed a dispute letter accompanied with an Identity Theft Affidavit by the Federal Trade Commission as well. I sent all three letters and their contents to all credit bureaus, XXXX, XXXX  and Trans Union on XX/XX/19and I confirmed all three bureaus received them on : XXXX  Tracking : XXXX Delivered XX/XX/XXXX, Trans Union Tracking : XXXX Delivered XX/XX/19and XXXX  tracking : XXXX XX/XX/XXXX delivered. I know I have to give the credit bureaus legally 30 days to investigate and process, however it is now XX/XX/XXXX ( 40 days since the credit bureaus received my packages ) and I paid another {$29.00} to my credit monitoring accounts only to discover that NONE of the disputed accounts have been removed from my credit. I am writing to the Consumer financial protection bureau to assist me on this issue and correct it as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am keep getting MAJOR DEROGATORY alerts on my credit report from XXXX XXXX even after paying monthly bills. Attaching payment copies for your reference.
Product: Credit reporting or other personal consumer reports

These items are from unauthorized use of my social security number and card. Please remove the following from my credit report : XXXX XXXX ( original Creditor : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a small loan of XXXX with weekly payments. I was in hospital for a week so delayed a payment. So far 2 of 4 payments have been made and the 3rd payment will be taken out XX/XX/XXXX and last payment XX/XX/XXXX. I looked at my credit score and they took -57 point off for supposed late payment.
Product: Debt collection

I had an Personal line of credit account with my stepdad ( XXXX XXXX ) through XXXX XXXX XXXX. Unfortunately, we fell behind and the account went to collections. ( We acknowledge it fell behind ). The account was then sold to the Law Office of David Sean Dufek and in XXXX XXXX, XXXX through XXXX XXXX, XXXX paid a total of {$2200.00}. I spoke to collector named XXXX XXXX who set up a settlement with that office for {$.00}. I also spoke to a supervisor named XXXX after I discovered this same collector had authorized payments on my bank account ( with checks that I did NOT authorize ) and this supervisor XXXX assured me that the debt would be settled out WITH NO MORE PAYMENTS DUE. He said " At this point, we will just settle this out '' and returned the {$200.00} that was unauthorized from my account. If the account was not settled out, WHY would they authorize the return of my funds? I ask that you pull the conversation of phone calls that detail this. 

At this time, I have been notified by the Law Firm of XXXX XXXX ( phone number XXXX ) that they bought the debt and are requesting I settle pay a balance of {$2900.00}. I have spoken to a supervisor named XXXX ( on XXXX/XXXX/XXXX ) who even acknowledges in the conversation i had with her based on the review of notes " I do n't understand why they did n't just settle this out ''. 

I do n't understand how a debt i settled with the attorney 's office can be now owned by a different office when i clearly paid it in full PER that attorney 's office.There is clearly deceptive practices for predatory collection here.
Product: Credit card

On XX/XX/year> I called Chase bank to pay off my entire Chase Amazon Visa card balance. The website for my card was showing me two different balances. One in the amount of {$1000.00} and one in the amount of XXXX. I asked the rep several times which amount was correct and she stated {$1000.00}. I went forward and made the payment. On XX/XX/year> I received a text stating my account needs attention and I checked the app. It is now showing I owe {$24.00} on an account I paid off a month ago. I called and spoke with 3 representatives. One of them was a supervisor and all I was told is sorry we cant remove the interest charge. You need to pay it even though the companies representatives were the ones who gave me ridiculous amounts of misinformation regarding how my interest works.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XX/XX/2021 at XXXX XXXX for a deposit of {$6800.00}
Product: Debt collection

In response to Consumer Portfolio Services, I XXXX, A natural person they have in fact are giving false claims as to HOW theyve investigated their claims to be true when in fact they are not, I have attached the following documents providing the violations including theft of my vessel, as A holder in due course the next step will be litigation.
Product: Debt collection

laws : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX XXXX XXXX XX/XX/year> Radius Global Solutions XXXX XXXX XXXX XXXX, MN XXXX RE : Dispute of Alleged Debt under Consumer Protection Laws Account/Reference Number : XXXX To Whom It May Concern, This letter serves as a formal notice that I dispute the validity of the debt referenced above. I am exercising my rights under the following federal consumer protection laws : 1. Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 ) Under the FDCPA, I have the right to request verification of the alleged debt. I hereby demand that you provide written validation of the debt, including the original creditor, itemized breakdown of the amount, and proof that I am legally responsible for it.

2. Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) If this debt has been reported to any consumer reporting agencies, I request an immediate investigation and removal of any inaccurate or unverifiable information from my credit report.

3. Truth in Lending Act ( TILA ) ( 15 U.S.C. 1601 ) If this debt arises from a credit account, provide complete disclosure of all terms, conditions, and finance charges that support the alleged debt.

4. Consumer Financial Protection Bureau ( CFPB ) Regulations As per CFPB guidelines, I am entitled to clear and accurate information regarding any debts claimed against me. 


I request that all future communication regarding this matter be conducted in writing. Additionally, I instruct you to cease and desist any harassing or threatening communication in compliance with the FDCPA. 

If you can not provide sufficient proof of the alleged debt, you are required to remove all negative information from my credit report and cease collection activities immediately. 

Failure to comply with this request may result in me filing a formal complaint with the Consumer Financial Protection Bureau, my state Attorney Generals office, and other appropriate authorities. 

Please respond to this letter within 30 days of receipt. Send all documentation to the address listed above. 

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

N accordance with the Fair Credit Reporting Act XXXX XXXX account # 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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA Experian and XXXX are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX Balance : {$610.00} ; XXXX XXXX XXXX Balance : {$800.00} ; XXXX XXXX XXXX Balance : {$970.00} ; XXXX XXXXXXXX Balance : {$0.00} ; If Experian and XXXX feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If Experian and XXXX do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, 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 U.S.C 1681 1XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX Account # XXXX Account # XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX Account # XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX Account # XXXX Account # XXXX 15 U.S.C 1681 Section 602 A states that 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 an 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: Mortgage

Attached correspondence from SPS states, " Unfortunately, the account is ineligible for one or more resolution options or it is ineligible for the option the customer selected. '' Correspondense from SPS shows that SPS has evaluated Borrower for at least one loss mitigation alternative but has failed to evaluate for all loss mitigation options as required under CFR 1024.38 ( b ) ( 2 ) ( v ). 
SPS has failed to evaluate Borrower for all loss mitigation options. A fully completed application has been provided multiple times and SPS rejects application stating it is incomplete.
Product: Mortgage

I have a current mortgage with Mr. Cooper/Nationstar and in XX/XX/XXXX I began a refinancing process. In this process an appraisal was required. I paid for the appraisal on XX/XX/XXXX ( XXXX XXXX transaction with XXXX XXXX Appraisal XXXX for {$650.00} phone : XXXX ) and received the appraisal on XX/XX/XXXX, which had an expiration date of XX/XX/XXXX. Ultimately, Mr. Cooper was unable to meet my needs so I withdrew my request and started the refinance process with XXXX XXXX XXXX on or about XX/XX/XXXX. I provided this new company with a copy of the appraisal. They reached out to Mr. Cooper trying to get the appraisal transferred to them with no follow through. I have attempted on several occasions to contact the personnel I worked with@ Mr. Cooper but have only been able to leave messages and haven't received any call backs. Now because of Mr. Cooper 's lack of action a new appraisal has been requested which is going to cost over {$900.00}.
Product: Credit card or prepaid card

We attempted to purchase an oven from Home Depot. They failed to deliver it on time and we ultimately cancelled it. They subsequently charged us for it. We called them and they were supposed to credit the account but instead sent it to collection and eventually to the credit reporting agencies.

We got them to admit their mistake and remove it from our general credit report but when we went to apply for a mortgage for our new house, we found our credit score was low because this was on the 'mortgage credit report ' which is different from general.

We called Home Depot again to have them correct the issue. They 'investigated ' and then came back with a letter stating they wouldn't change anything and that they were correct. 
How can our credit be tarnished for something we NEVER RECEIVED???? 

Between the time it took to try to resolve this and the increasing mortgage rates and our now lower than expected score, our mortgage will cost us roughly an extra {$500.00} / month which is {$180000.00} over the life of the mortgage!!! this is unlawful and unfair. We are paying for our children to go to college. We can't afford this. It's deplorable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Viewed credit file through Experian in reference to XXXX XXXX ( XXXX XXXX XXXX ) account showing charged off in the amount of {$1400.00}
Product: Credit card

I used a convienance check to deposit money into my checking account. I was charged a 3 % fee which is not too bad comparable to other cards but it was a special. When my first bill came the minimum payment was very high. I paid it and thought that they added the transfer fee to first months payment. This month I received my statement and it was high again. I called the company ( Chase ) and was told I 'm being charged 5 % of the balance for my minimum. They said it was in my terms but I have never seen that and have n't had any other credit card ask for that high of a minimum payment. I suspect they did it on purpose to make sure people ca n't make the payment and then they can charge a very high late fee and raise the interest to their highest rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 


XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX  XXXX XXXX XXXX TX XXXX XXXX XX/XX/XXXX ; ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$780.00} ; XXXX  XXXX Bankruptcy Reference XXXX XXXX Date Filed/Reported : XX/XX/XXXX ; 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: Debt collection

On XX/XX/24 I mailed a letter to XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, XXXX. Tracking usps XXXX XXXX XXXX XXXX XXXX XXXX delivered on XX/XX/24. The letter states that there are two outdated accounts that are past 7 years of age which is the Statue of Limitations age and this should be removed from my credit. I sent XXXX XXXX a letter to the address above stating the account numbers and amounts of the debts that needs to be removed due to being out dated but no response and change has been made. I have made a request to the credit bureau but they wont remove the debt because XXXX XXXX refusing.
Product: Mortgage

Endless requests for obscure paperwork delaying loan processing and finalization I applied over the phone XXXX and paid the {$500.00} appraisal fee with XXXX - very kind and helpful. Uploaded all documents by the end of the month but no response. My loan originator changed to XXXX after XXXX had left. After uploading an entirely new set of the same documents, no response. I called AmeriSave and only got through by selecting menu option for new customer ( not existing applicant ) because email and phone appointments with XXXX were unreliable. When I did reach him, he was very helpful and kind. He set up my appraisal ( initially told might not need it ) and report was sent shortly thereafter ( XX/XX/12 ). After that, I thought we were ready to go. But I am still getting auto generated emails everyday requesting some new document. I've purchased two houses before and been through the mortgage loan origination process. This company 's workflow is nonsensical - endless requests for documents, invoices, new paystubs from the same employer that no other bank has ever requested - and they do not request them all at once. It's all piecemeal so that the process gets drawn out with no known end in sight. If you are looking to obtain a mortgage on a tight schedule, this is not the company for you. I discussed the troubles with my husband and he raised the issue of this company 's legitimacy. I found many similar complaints on the XXXX  website, many of which were resolved, so I'm hoping this will do the trick. Another concern - I check my emails and the website for updates but never gave consent for mobile updates. Yet now I am getting text reminders to upload documents. There is a phone number to call in the text but it goes straight to voicemail. Again, very odd service and workflow. Everyone is very nice but the operations are so erratic that I'm still very concerned this company is handling documents with all of my personal information. Would just like this to be over and done - either refund and end relationship or process loan and complete transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied a loan by Goldman Sachs Bank after two inquiries provided misleading and inaccurate information. The two companies that provided the derogatory information were XXXX and XXXX XXXX. I have requested specific information from all three entities to elaborate on this information used against me and gotten no response.