23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Dear CFPB, IRS, XXXX, XXXX, TRANS UNION, XXXX XX/XX/XXXXXXXX I am writing to demand the deletion/removal of an unlawful and inaccurate report on my account.XX/XX/XXXXXXXX has unlawfully given my nonpublic personal information, personally identifiable information, financial information without my consent to a third party. This is clearly stated in the Fair Credit Reporting Act in section 604 ( B ). I have not given consent, written instruction or permissible purpose for this to be reported, shared or sold. This is also a breach of the arbitration agreement. The account in question has been bought by XXXX XXXX XXXX. Furthermore XXXX XXXX XXXX has harassed me constantly even after me telling them they legally need to cease and desist. These are all violations of the FDCPA, FCRA, GLBA, ETFA, this is also fraud identity theft, harassment. I demand the account be removed by all credit reporting agencies and the 3rd party. In addition to the deletion of the account and rapid rescore I expect my privacy right to be respected and I expect all parties to act in accord with the law. Including all applicable tax law. This illegal, unlawful and inaccurate reporting is damaging my credit worthiness and if it continues I will be forced to alert the SEC, FTC, IRS and every applicable legal entity to resolve this matter. There are also several violations of state law. Rather than pursue all of these in court, I simply demand the item be removed in accordance with the law. Then all parties are made whole. Any further communication that doesn't involve removing the account will be considered a failure to cure. This is a notice to all parties involved that any further non compliance will be considered willful. Please be advised that this is my request asking you to remove the unverified account on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report as well. I demand that you remove the account from my credit report immediately. If you do not comply with this demand within 30 days, I will be forced to take legal action.
Product: Debt collection

upon looking at my credit report during quarantine i discovered that a debt was assumed fraudulently with my information and then charged off on to my consumer credit report which is effecting me adversely. I was not contacted or given any indication of this debt as this is not mine. XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX XXXX XXXX {$0.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Credit reporting or other personal consumer reports

Almost impossible to contact a live person to speak about account issues. Their customer service is non-existent. You call their number and are met with an extremely unhelpful and useless automated bot/AI answering service with only a few select options. If you deviate from any options available the bot hangs up on you and you are left with no assistance. If you call other numbers from their website or XXXX  i.e. business side. You talk to a live agent from another country who automatically transfers you back to the same unhelpful bot/AI answering system and you repeat the frustrating process of getting no where. Company should be investigated for fraud for charging for services and not providing assistance or help when there is an issue with said services.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one is showing an inquiry on my credit report for transunion that is incorrect.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX  XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I received a report in my mailbox from a company called XXXX. The Case id on this letter is XXXX. This company stated I placed a security freeze on the report through them so they were writing me to let me know they added information. The problem is they have added a social security number to my file that doesnt belong to me. My identity has been stolen! I keep trying to get all of this information that is fraudulent taken off my reports and blocked but instead the information keeps being verified even though it is fraudulent. These individuals have gotten apartments and cars in my name they have gotten credit cards and checking accounts in my name and these reporting agencies keep ruining my credit by allowing the fraudulent information. Instead of helping I get messages that state that the information is accurate and nothing is being done. Im adding Experian and XXXX to this complaint because Experian is always saying the information in accurate and its literally fraudulent. XXXX doesnt even have a working number to get an agent to help because their online doesnt even allow me to get a copy of my report without paying. I know at this point I sound like a broken record but if this was happening to you what would you do.
Product: Debt collection

Debt has been in default with no payments made since XX/XX/XXXX. Company called me in XX/XX/XXXX threating to file lawsuit. I reside in Texas and the statue is limited to XXXX years. This item has been so old it had been removed from my credit report. Debt collector called from XXXX ( XXXX XXXX XXXX IL, XXXX
Product: Checking or savings account

On  XXXX / XXXX / XXXX  An unknown person logged in online to a joint account using my name and a password.I had been informed by the bank by letter from  Private Ba nking that this entire account was closed as of  XXXX , post divorce. I did not have online access, and had never set a password. The transaction, for which a screenshot is attached, closed the sweep feature with funds tra nsferred to checking.Citibank and Citi Private Banking have not, despite repeated requests, given m e information about the location to which funds were transferred nor the amount.The branch confirmed that this was not an automatic function of the computer system. The screen shot of this transaction was sent to  XXXX   XXXX   XXXX / XXXX / XXXX  per her request in my presence to the internal portion of the bank at my bank branch at  XXXX  and  XXXX  in  XXXX  after I discovered that the account had been kept open.
Product: Credit card

I have been a customer of 23 years with Bank of America ( XXXX credit card ), I never missed a payment and have not been late paying. My wife and I are old school, we get paper statements and send paper checks in to pay our bills. Sometime after making our payment in full for BOA statement for period ending XX/XX/year>2024 I was somehow switched to paperless billing.

We have a business that we run from our house and we receive a lot of mail and didn't notice that our BOA statements hadn't been sent until I had problems using my card ; when I called BOA to see what was wrong they informed me of the billing switch and that I had missed paying for 2 periods ( XXXX & XXXX ). To quickly get a payment out we shared a bank account number to pay at the time, and to have monthly minimum payments made to avoid this happening again.

Once we were paid in full and were switched back to paper billing I found out that my credit was lowered from {$17000.00} to {$500.00} and that my credit score went from XXXX to XXXX. I feel as though the switch to paperless billing was predatory in nature as you must answer a pop up every time you open the app declining paperless billing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've noticed this inquiry which i did not authorize or gave any consents on following day : - XXXX XXXX XX/XX/2018 I surely believe maybe it's fraud or stolen identity. 

As result of this, my credit has been affected and preventing me for applying for loans. 


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

I have uploaded the FTC Identity theft affidavit, the police report, the utility bill and drivers license, copies of my social security card, and every other ridiculous document XXXX and Equifax have requested. Every time I upload something they tell me they need something else. In my previous dispute with CFPB, XXXX stated that they need the Identity theft affidavit from the FTC, and THAT is what they didn't remove the items. Yet that has been mailed, uploaded, and faxed to them at a minimum 3 times. This is getting absurd. My credit is extremely hurt due to identity theft, and I have taken EVERY step to rectify it only to have XXXX be the ONLY reporting agency to refuse to remove ANY of the necessary fraud items. Equifax had removed a few but keeps putting them BACK on my report. XXXX removed all these items, and is the only agency to do so. This is not right that these credit reporting agencies can do whatever they want with no accountability.
Product: Mortgage

They will not remove my escrow account, and they are overcharging me. I keep trying to get them to remove my tax payments and insurance payments so i can pay them myself, and to stop charging me PMI because the LTV is 67 %. 

I submitted several requests for them to remove escrow and PMI. They take two weeks to reply to each inquiry, and deny each for different spurious reasons. 

The county appraised the property for tax purposes in 2020, and the house appraised for an amount that reduced my LTV below 70 % ... and yet they are trying to make me pay for an appraisal plus some other fee. 

I am paying my own insurance, and have been for over a year. They somehow did an escrow analysis and found a shortage, because they were falsely charging me for some fake second insurance policy. I want that money back, but they will not reanalyze my escrow. 

It is hopeless dealing with this company. It is hard to get through their menu to a person, and then they pass you off to several different departments. Then they tell you to submit something in writing, and then they wait two weeks to respond. They are rude and short on the phone, and trained to never help you but avoid.
Product: Credit card or prepaid card

On XX/XX/2021, I used my open-ended credit card ( under 15 USC 1605, a credit card is defined as any card, plate, coupon book, or other credit device existing to obtain money, property services, or CREDIT for family or household purposes, ) In this transaction, the only card I could have used was my social security card administered to be by the social security administration. I am aware that I am the original creditor, natural person, and consumer and because a finance charge ( under 15 USC 1602 a finance charge is defined as information in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended and imposed by the creditor as an incident to the extension of credit. ) When American Express used my credit card inside my application, I administered my right to credit for American Express to extend back to me. In the form of an American Express XXXX XXXX and all the benefits that come along with it. 

After completing the application, to my surprise, I was denied by American Express despite me being the original creditor and a natural person. 

Because American Express received compensation for this finance charge under 18 USC 8, I was left with nothing. 30 days later, the company has not mailed the reason for the denial. According to this section 15 USC 1681m ( a ), ( 1 ) If any person takes any adverse action concerning any consumer that is based in whole or in part on any information contained in a consumer report, the person shall ( 1 ) provide oral, written, or electronic notice of the adverse action to the consumer. I am aware that American Express viola
tes 15 USC 1681m ( a ), ( 1 ).

American Express violates 15 USC 1691. It shall be unlawful for any creditor ( a creditor is defined as a person, and because a person is defined as a natural person meaning born of two human beings, myself, not a corporation, organization, or agency ) to discriminate against any applicant, ( under this section an applicant is defined as any person ) concerning any aspect of a credit transaction ( meaning the right granted to a creditor ). Because I am the original creditor and the natural person, American Express can not deny my right to credit once a finance charge is involved. This transaction is derived from the use of my social security card. I am aware that to complete the application, I had to provide that information.
Product: Debt collection

I sent the company a letter to request validation of debt last XX/XX/2022 but until now, I haven't received anything from them. I really need help with this matter
Product: Credit reporting or other personal consumer reports

I'm disappointed by your claims & am rejecting on the basis that you lack any material fact to support your claim... Please DISPUTE THESE ACCOUNTS! Or I will be seeking a legal remedy from you. Frustration, distress, annoyance, and outright anger. These emotions stem from the painstakingly slow response and the repeated denial of my identity theft claim by your bureau. Let 's be clear ; this situation is nothing short of a nightmare. I've been grappling with unauthorized accounts and transactions, and the toll it has taken on my financial well-being and peace of mind is immeasurable. The emotional rollercoaster I've endured is beyond distressing. DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX and DEPT OF EDUCATIONXXXX XXXX. Please remove these accounts ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

please see attached ftc report
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS 15 U.S.C.1681 SECTION 602 A.STATES I HAVE THE RIGH OF PRIVACY. 
15 U.S.C 11681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CONNOT FURNISH AN ACCOUNT WITHOUT MY WRITING INSTRUCTIONS
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXXXXXX acct # XXXX, XXXX XXXX acct # 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.

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

As of XX/XX/2019, my credit score was XXXX. On XX/XX/XXXX my credit score dropped by 12 points  which made my score XXXX. I could not find any explanation on the Experian website explaining the drastic 12 points drop. I called Experian and I spoke to 4 different people and none of them could explain the 12 points drop. The positive and negative information on my credit report has been on my reports for over 4 months. I have not incurred and new credit, debts or anything that would make my score drop by 12 points. Can you please help me with this issue because I truly understand what it means to have a credit score. Thank you, kindly XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the company and asked them to provide me with documents showing my signature, how the loan was established and proof that the loan belonged to me. They advised me the loan was sold and could not provide any information. I disputed with XXXX XXXX and Experian so that I could get the info and they advised me proof was provided but they could not provide it to me. I want this matter looked into because this company should not be reporting on my credit report
Product: Debt collection

On XX/XX/XXXX, I decided to pay off my XXXX XXXX XXXX XXXX. I brought a money order ( negotiable instrument ) to clear the debt. I added a provision to the money order which clearly states I accept your offer of {$15000.00} for valuable consideration and tender this payment for complete amount in Accord and Satisfaction upon redeeming this instrument. Under UCC 3-603 ( b ) If tender of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. Furthermore, under UCC 3-311, Accord and Satisfaction ( d ) knew that the instrument was tendered in full satisfaction of the claim. Westlake Financial Services received the payment, accepted the money order and then cashed it.
Product: Credit card

In XXXX XXXX, I received notification from a Macy 's Department Store Assest Protection Specialist in Flordia stating that XXXX individuals were found using my Macy 's credit card and charged {$1000.00}. I called Macy 's credt department ( managed through City Bank ) and reported that my credit card number had been stolen since the physical card was still in my wallet. They sent fraud documentation which was promptly completed and returned. I was told that the investigation could take up to a month and that I should not pay the bill on my Macy 's account. Further more, it was explained that once the investigation was complete and the fraud was confirmed the charges would be reversed. 
In XXXX, I called Macy 's credit and asked for an update into the investigation since my account was still showing as overdue. They stated they had no record of the investigation but saw the documentation and would escalate it to a supervisor and I would be contacted within the month for a resolution. 
In XXXX, I called Macy 's credit and asked for an update. They stated the investigation was still on going and to call back in two weeks but they would escalate it again. 
Meanwhile I began receiving calls from a collection agency regarding the outstanding balance of my Macy 's account. The collection agency stated that until Macy 's reversed the charges there was nothing they could do and would continue to call 4 times a day. 
XX/XX/XXXX, I called Macy 's to inquire about the status of the investigation. I was told that it had not been 2 weeks since my last call and I needed to call back. 
On XXXX XXXX, XXXX I called to inquire about the status of my fraud investigation. I was told that they could not give me a time line for the investigation and I would have to call back in another month! 
I have provided Macy 's credit with their requested fraud documentation as well as the criminal investigation conducted by the County Court in Flordia. This has now hit my credit score and has the potential to effect my work through my damaged credit score. Due to the hour long wait on hold with Macy 's my ability to " patiently wait for the next operator '' is limited.
Product: Debt collection

Finally, after multiple complaints, XXXX XXXX XXXX and XXXX provided proof to the CFPB that XXXX XXXX, dba Orchard Bank, is reporting me for fees and interest in the amount of {$420.00} and {$9.00} in undocumented charges. XXXX XXXX XXXX and XXXX only respond to CFPB inquiries, never to my mailed direct inquires to them. Since I have not record of the {$9.00} in charges, how can I owe {$420.00}. Even if this is in accordance with some document I have no record of agreeing to, how can this be a fair credit practice?
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Reporting Credit Act, the credit companies were required to remove any inaccuracies and any errors also unauthorized inquires. These inaccuracies were reported and not deleted as I have established them as inaccurate myself with research into these.

Multiple inquires that were not authorized Two collections that will not correctly be investigated and researched.

Attached are the list of the inquires circled are the ones that were not authorized and the collections that are inaccurate.