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

XXXX XXXX  is on my credit report with inaccurate information which that does not belong to me as well as XXXX XXXX XXXX, and comenity bank I do not owe any debt to them, or any other creditor. Im a victim of identity theft and this account is just many of its kind that has resulted to reporting to my credit report inaccurately and fraudulently to cause damage and hardship As of today XX/XX/year> it needs to be removed
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft In accordance with the Fair Credit Reporting act Transunion has violated my rights. 15 U.SC. 1681 Section 602 A. 
States I have a 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 on inquiries without my written consent or instructions. 


Please remove all inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it May Concern According to my most recent credit report, your company is currently reporting That I applied for credit with the listed below organizations. I did not grant them authorization to review my credit report. 
The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept these inquiries. If a signed authorization can not be found please remove these inquiries from TransUnion. 

I have listed the inquiries below : XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX  XX/XX/2020 XXXX XX/XX/2020
Product: Debt collection

I recently reviewed a copy of my credit report, and I was surprised to learn I am a victim of identity theft. I've found multiple accounts on my report and they were not authorized by me. This is hurting me because I am in the process of buying a home for my family. Please remove it from my credit report as soon as possible.
Product: Credit reporting 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 USC 1681. 

Account Name : XXXX 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 : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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

Hello I have a XXXX  Brother they keep getting everything switched up on both of are credit files we are XXXX different people I have reached out to all the companies pertaining to the incident.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$490.00} XXXX XXXX Balance : {$3500.00} XXXX XXXX Balance : {$5700.00} XXXX XXXX Balance : {$5000.00} XXXX XXXX Balance : {$490.00} XXXX XXXX Balance : {$3500.00} XXXX XXXX Balance : {$5700.00} XXXX XXXX Balance : {$5000.00}
Product: Debt collection

THEY KEEP CALLING EVERYDAY AT ALL HOURS OF THE DAY WITH DIFFERENT PHONE NUMBERS I HAVE ALREADY TOLD THEM TO STOP HARASSING ME. MY DEBT IS ALREADY IN COLLECTIONS AND ON MY CREDIT REPORT. THE COMPANY IS CALLED WESTLAKE FINANCIAL SERVICES.
Product: Debt collection

I recently got divorced from XXXX XXXX XXXX XXXX after 19 years of marriage.. I have documentation stating he was supposed to take all his debt and I was to take mine which was minimal and mostly doctors bills. Please look over all accounts and verify I am not paying any of his debt. As I walked away with the clothes on my back and nothing else.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive called emailed and spoken with trans union the company that is currently supposed to be reporting to Ive paid XXXX XXXX monthly on this car and only sought this type of loan to Improve my existing credit but this is absurd no one can tell me anything as to why this isnt being reported and Im being told it is trans union kept telling me to call XXXX XXXX but they claim to have no clue why its not reporting but who helps me my credit should have changed good or bad but why havent this issue been remedied
Product: Debt collection

I close out an account with XXXX auto insurance due to the misrepresentation, high fees, hidden charges, lack of over all integrity in proper clear communication with consumers. 

The account was closed timely- with non existing contract- zero balance. 

It disturbing to encounter that XXXX auto insurance company is coming after me for monies I DO NOT OWE. 

Extremely dissasified with their services policy ect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed out the identity theft report with XXXX following directions to have credit bureaus block the fraudulent information thats being reported on my credit report while proper investigation is being done.
Product: Credit card or prepaid card

The bank has consistently harassed me by denying me credit because they claim they can not get my report. Although I have had over 14 inquiries on various reports. I have tried to call them, write them and ask for management. 

When I tried to reach out to the bank today, I get a recording on any line I call from my line that states I am not authorized to contact them. I will enclosed a copy of the dialing and recording for your records. 

Since I have had other credit products in the past with them, is not allowing me to access those account for any maintenance, payments or changes. 

I will enclosed copies of some of the material, it is a large amount of material so therefore if you want all of it or additional information, I can send it via mail or courier. 

You will find a copy of an email from each card from the bank, verification the freeze is removed and the letter from the credit or stating the freeze is on the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to delete these erroneous accounts. 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. These were already included in my prior complaint and I'm including them again. 

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

Well, there exists a discrimination during my application for AMEX credit card. I got a low credit limits as XXXX us dollar. I have already referred several of my friends to apply this AMEX card. They got XXXX and XXXX credit limits. When I asked AMEX, they said they make the decision based on different PERSON! However, me and my friends came from same place with the same income and study in same school and same major. How could this kind of huge difference come about? Whether they are using profile discrimination or use price discrimination method to treat consumers.
Product: Credit card or prepaid card

I applied for a Amazon Prime Credit Card and was given one in XX/XX/2020. It was issued through Chase Bank. It had a credit line of {$1200.00}. I made about {$350.00} worth of Amazon purchases on the card in XXXX and made the first scheduled payment on the due date. 
Yesterday ( XXXX ) I received a letter from Chase Bank stating that my account had been closed " because our affiliate is ending their banking relationship with you ( me ) '' The letter gave a number to call for questions. I called that number and asked for an explanation of who / what the affiliate is that is ending our relationship. The woman could not tell me that nor explain any further due to privacy issues. I have no banking relationships that are or have recently ended. 
I asked what this does to my credit score? Because now I have an inquiry, and a closed account in a very short time frame. She could not answer that questions either. I asked who I could call or write to find out answers to all these questions and she said she did not know. 
It seems unfair to me that they can mess with my credit like this - and not even give me clear answers as to why.
Product: Credit reporting, credit repair services, or other personal consumer reports

In late XX/XX/2015 till the end of XX/XX/2015, Ive had a mortgage with Wells Fargo Home Mortgage, during the months of XXXX and XX/XX/2015, I went through a re finance with XXXX XXXX XXXX XXXX, my original monthly payments with Wells Fargo Home Mortgage were {$2700.00}. 
I have made payments to both Wells Fargo and to XXXX XXXX XXXX, even though the loan was taken over by XXXX XXXX XXXX, Wells Fargo decided to give me a thirty days late payment on my XXXX credit report, even though I had made payments and the loan was paid in full by XXXX XXXX XXXX The payments were due on the XXXX of each month, XXXX XXXX XXXX took over the loan on XX/XX/2015 2015
Product: Mortgage

Talked to XXXX at XXXX XXXX  at XXXX on Friday XXXX XXXX. Informed her that the check for {$260000.00} check number XXXX was delivered on today 's date at XXXX at the front desk at the XXXX XXXX XXXX, NV. She informed me that they will get to processing right away. And will send me the statement when the loan is settled. 
This was one of the first times I contacted them and I have contacted them on multiple occasions. My house burned down and this check was from my insurance company, the funds have been cleared and everything but now they are saying they have 5 more business days. I am living in a camper with XXXX other people and they are dragging around. 

XXXX XXXX
Product: Mortgage

XX/XX/XXXX-Letter sent requesting PMI coverage cancelation. 
XX/XX/XXXX-Response saying my loan didn't qualify due to LTV ratio and length of loan, but I could pay {$4600.00} to reach my qualifying LTV and  they would cancel. As of XX/XX/XXXX, I started paying additional principal to reach LTV. I paid approximately {$10000.00} in principal for XX/XX/XXXX and XX/XX/XXXX, in excess of {$20000.00} and well above the {$4600.00} they said I needed to pay. 
XX/XX/XXXX-XXXX  to XXXX  at customer care to confirm that my PMI would be canceled XX/XX/XXXX as specified in my PMI disclosure form from my closing on XX/XX/XXXX. He said I can send a letter requesting this even though the disclosure states it will automatically terminate. He states that my LTV is above 80 %. 
XX/XX/XXXX-Spoke with XXXX  ( not a supervisor as I requested ) She states that my LTV is at 74.61 % and the PMI should be canceled but I need to send a letter. 
XX/XX/XXXX- Spoke with XXXX and he insisted I have to send a letter and pay for an appraisal since I've paid extra principal!! He confirmed that my LTV ratio is at 74.61 %. 

I have sent numerous letters and I have a PMI disclosure document that states it will be automatically terminated onXX/XX/XXXX as long as we are current on payments ... .we 've NEVER been late and we have excellent credit, scores are in the 800 's.
Product: Money transfer, virtual currency, or money service

On XX/XX/ 2018, I initiated a wire transfer with my bank. The wire transfer authorized {$10000.00} to be transferred to XXXX XXXX to be deposited into my Coinbase account. The wire was completed that same day. However, its been several days later and the funds are still missing from Coinbase Account. Several attempts have since been made to contact the company via phone and email.
Product: Student loan

On XX/XX/XXXX I, XXXX XXXX, called Sallie Maes Customer service line because I never received a 1098-E form from the company. It is now two months past the XX/XX/XXXX deadline and I still have not received my tax documents to complete filing my taxes. The representatives on the phone only have said that there must have been a drastic technical error on your account and that is their only explanation for me not receiving my 1098-E form for XXXX. In a year where all citizens were harmed in some way by the pandemic this private loan services never once allowed for reduced or suspended payments and as a student I did not receive any forms of stimulus help. I was never once late on a student loan payment to Sallie Mae even during an unprecedented pandemic but Sallie Mae has failed to provide my federal tax documents in the required time period. Their actions are completely unacceptable and the company should face the proper consequences for their negligence.
Product: Credit reporting or other personal consumer reports

I sent a letter out on XX/XX/XXXX to Experian, XXXX, and XXXX. However, it's been more than 30 days and the credit bureaus failed to send my investigation back. This does not make any sense. 

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting or other personal consumer reports

Please delete all fraudulent accounts and hard inquiries off my credit file from XXXX, XXXX, and TransUnion immediately. 

XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX XXXX XXXX run my credit. 
I didn't authorize this company to run my credit I've sent a letter on XX/XX/XXXX for validation that I approved them to run my credit. 
as of todays date XX/XX/XXXX I haven't received any response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to ACCOUNTS RECEIVABLE agency because I am having difficulties with buying a house and applying for new credit cards. I paid the collection and do not owe anything, but the mark in XXXX report prevents me from achieving the desired results. 
I am kindly requesting ACCOUNTS RECEIVABLE agency to remove this collection from my credit report as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report at TransUnion and noticed several accounts reported illegally, misleadingly, and having dual status in other databases. these accounts are in violation of the tax code, 15 usc 1681, and the FDCPA. Thes accounts are as follows : 1XXXX XXXX XXXX {$470.00} charge off status without 1099c notice. 2. XXXX XXXX {$910.00} charge off without notice of 1099c, 3XXXX XXXX XXXX {$5000.00} status showing in collections ; However showing charge off in XXXX data base, this must be construed as intentional fraud in violation of the tax code, 15 usc 1681, and FCRA.4. XXXX XXXX XXXX XXXX XXXX XXXX ) / {$270.00} THis debt amount is misrepresented in violation of the FDCPA, and 15 usc 1681accuracy of information.
Product: Credit reporting or other personal consumer reports

Recently, I received a letter from Equifax stating that they had deleted the XXXX accounts I disputed. However, upon updating my credit report, I found that these accounts were still listed. This indicates that Equifax has reinserted the XXXX accounts that were previously removed from my report. This action constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ) and its re-insertion requirements. Specifically, Equifax failed to notify me within five business days of the accounts reappearance, as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). Additionally, they did not provide the necessary certification of accuracy ( 15 U.S.C. 1681i ( a ) ( 5 ) ( C ) ) and did not conduct a reasonable reinvestigation as mandated by 15 U.S.C. 1681i ( a ). In addition to these breaches, Equifax has violated several other key consumer protection laws : Permissible Purpose ( 15 U.S.C. 1681b ( 2 ) ) : The account was reinserted without confirming a legitimate purpose for doing so. Block of Information Resulting from Identity Theft ( 15 U.S.C. 1681c-2 ) : Despite receiving adequate documentation, Equifax failed to block fraudulent account information. Civil Liability for Willful Noncompliance ( 15 U.S.C. 1681n ) : Their deliberate failure to adhere to FCRA requirements has exposed them to civil liability. Civil Liability for Negligent Noncompliance ( 15 U.S.C. 1681o ) : Their negligence in handling this matter further underscores their noncompliance with FCRA regulations. Failure to Ensure Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) : The reinserted inaccurate information directly contravenes their obligation to maintain the highest level of accuracy in credit reporting. Equifax 's actions have unjustly harmed my credit profile and infringed upon my consumer rights under federal law. I demand immediate corrective measures to address and rectify these violations.
Product: Debt collection

I recently noticed a collection on my credit report for XXXX, Equifax, and XXXX, but i am not familiar with this debt. I sent out letters on XX/XX/XXXX and XX/XX/XXXX asking for verifiable proof that this debt belonged to me. I asked for hard evidence that goes all the way back to the original creditor, and not verification from a third-party database. I just received notifications that the dispute was finished and the debt collector " XXXX XXXX '' was going to stay on my report, but i never received anything in the mail showing this debt belongs to me. This debt needs to be removed from my credit report according to the FCRA law.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts nor did I authorize these credit inquiries to be pulled.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Re : Dispute of Fraudulent Accounts and Identity Theft I am writing to dispute the fraudulent accounts on my file and assert my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

I assert that : 1. The accounts on my file are a result of identity theft ( 15 U.S.C. 1681c ) 2. The information on my file is inaccurate and incomplete ( 15 U.S.C. 1681e ( b ) ) 3. You have failed to conduct a reasonable investigation of my dispute ( 15 U.S.C. 1681i ) I demand that you : 1. Immediately remove the fraudulent accounts from my file 2. Conduct a thorough investigation into the identity theft XXXX. Provide me with a corrected copy of my credit repost Failure to comply with this demand within 30 days will result in further action, including : Pursuing legal remedies under 15 U.S.C. 1681n and 1692k Seeking damages for violations of the FCRA and FDCPA XXXX XXXX
Product: Debt collection

Called several times and sent several letters. I advised them it was a OWCP related injury and they need to contact them. They asked for OWCP information and I advised them to contact the business they got the debt information from. They hung up on me a few times when I refused to give my date of birth. I asked what they had and they would not tell me. I asked for the investigation in writing and how they assumed it was accurate and my dispute was not valid. They said they will not provide anything in writing. I asked for written proof that OWCP was contacted and said they would not pay the debt. They again told me they will not provide anything in writing. They advised me they will just turn it in to collections.I asked them to stop calling and harassing me and they continued to call. The company is XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX
Product: Debt collection

On XX/XX/year> Debt CO collections reported a fraudulent debt on my credit report from a fraudulent company doing business in XXXX called XXXX XXXX XXXX. This car dealership sold me a defective vehicle and from the first month of ownership I experienced issues after issues. At time the car would not even start. I was fraudulently sold a lemon car and there is laws against such sales. I disputed and requested for validation of the debt and proof of amounts. Till today they have not sent me any communication in regards to such debt and they keep updating the report to have a negative effect on my credit report. The company they claim they are collecting the debt for is under investigation with the Texas Attorney general for fraudulent business practices and there are several lawsuits against said company. They were able to change business names and yet operate negligently hence why the CFPB needs to investigate this business and the credit collections they are working with as both are operating very fraudulently. If they did not purchase the debt then why should they be allowed to intimidate consumers and demand payments be made to them?