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

i just discovered accounts that are not related to my credit profile and transactions i have ever made. These accounts a the result of fraud and need to be removed. i have filed a notarized identity theft report with the federal trade commission to support in my request and have these accounts blocked.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, WA, XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to request the removal of a few hard inquiries from my credit report. Upon reviewing my credit report, I noticed that there is some hard inquiries listed that I did not authorize or recognize. 

Details of the inquiry : Inquiry Date : XX/XX/XXXX, XX/XX/XXXX Creditor Name 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry Type : Hard Inquiry I believe this inquiry may have been made in error or without my consent. I have not applied for any credit or services from the aforementioned creditors on the listed date. As a result, I kindly request that this inquiry be removed from my credit report to ensure the accuracy of my credit history.

I understand the importance of maintaining accurate credit information, and I appreciate your prompt attention to this matter. Please inform me of the steps I need to take to ensure the removal of these inquiries from my credit report. 

Thank you for your assistance in resolving this issue. If you require any further information, please do not hesitate to contact me at the provided contact information. 

Sincerely, XXXX, XXXX
Product: Mortgage

I have been contacting Loancare since XXXX of XXXX to remove PMI from my mortgage via an appraisal. During this entire process I have received conflicting information and misinformation. Now 9 months later my issues are still occurring concerning Loancare to the point where a supervisor at Loancare finally directed me to file a complaint with the CFPB today. I will begin with a letter dated XX/XX/XXXX that I received after I initiated the appraisal process to remove PMI. This letter states that " If you would like to pursue cancellation of PMI based on the current value of your property, an appraisal is required to determine if your LTV has reached 80 % or less. '' with that I accepted the terms and proceeded with an appraisal through Loancare 's process and paid {$910.00} to have someone come out on XX/XX/XXXX to assess my property value. Before I even received a copy of the appraisal I received a letter dated XX/XX/XXXX stating that " an appraisal is required to determine if your LTV has reached 75 % or less. I finally received a copy of my appraisal dated XX/XX/XXXX vaguely mentioning that the PMI could not be cancelled and enclosed is a copy of the appraisal. There was no mention of the appraisal having an expiration date. The property appraised at {$530000.00}. Frustrated and 9 months pregnant I decided to put this excruciating process on hold and deal with it after the XXXX of my XXXX, which was in XXXX. I called Loancare by phone on XX/XX/XXXX and said what do I need to pay toward the principal to cancel PMI and Escrow based on my recent appraisal and the 75 % LTV requirement. I was told my principal had to be at {$390000.00} or less to qualify. I paid {$36000.00} in order to do this and also requested in writing to be released from PMI and escrow. After several emails and about 20 phone calls to loancare customer service to followup, I was told that the PMI will be removed within a week. Then the next day, I was contacted around XX/XX/XXXX and was told that my appraisal had an expiration date of 120 days and therefore my request is denied and I would have to get another appraisal. 120 days From when, I don't know? This " timeline '' was NEVER clearly communicated to me in any phone conversation or on any letter. Every time I contacted Loancare starting on XX/XX/XXXX no one said anything about the appraisal expiring. My expectation was that the paid appraisal would UPDATE my new property value, which according to the system, it did. When I log into my mortgage account it still says my property value is at {$530000.00}. I just received a letter stating I have to order an appraisal again. That will cost me another {$910.00}. This makes no sense to me. Overall I feel that I have been misguided, lied to, and pushed around. I am prepared to take further legal action if this is not resolved and I am not spending another {$910.00} on another appraisal.
Product: Mortgage

I started the refinance process with Citibank in XXXX of 2020. After delivering all paperwork and necessary documentation and keeping that information up to date as requests, I was denied the refinance. This happened after I asked if we could close by XX/XX/XXXX because my husband would be out of town for two months and would not be able to attend a closing until XXXX or late XXXX. The loan officer ( XXXX XXXX ) working on my account cc 'd the boss ( XXXX XXXX ) of the loan manager ( XXXX XXXX ) and a day later, it seems like Citibank found a reason to deny us they said there was a clause in our proprietary lease they found objectionable and they denied our building, which means we don't get to refinance. On top of this, when our apartment was appraised, it was full of mistakes and our appraisal ended up being {$30000.00} less than our upstairs neighbors who are white ( we're Black ) and have a smaller apartment, fewer in-apartment amenities, and fewer shares. My neighbor told me the appraiser did not even enter his apartment. When I complained to the loan manager at Citibank about the low appraisal, he waived it off and suggested there must have been some other reason for it to come in low. We were planning to renovate our bathroom so I did not order another appraisal at that time and I did not want to hold up the process, so I let it go. My upstairs neighbors were able to complete their refinance ( their lease is the same as ours ) and they are able to take advantage of historically low rates, while we have been locked out. Incidentally, the original mortgage on our apartment was with Citibank and they had absolutely no problem with the lease at that time. Why is it suddenly a problem now? Citibank wasted 7 months of my time, cost me nearly {$800.00} refinance application fee and calculable extra interest since I can't refinance now, and then denied us when I asked if they could meet a deadline. It seems unfair to me that because Citibank was unable to meet a deadline and did not want to admit this, they found a reason to deny us.
Product: Credit card

I purchased a washer from XXXX XXXX last year XXXX  and we had some complications so I refused the delivery and never received my item. XXXX stated that they will refund my purchase and they did not so I went to my bank which is Chime and filed a dispute to to get my money from my bank. I receive notification that my dispute would not be covered so it was denied and when I asked for the reason they did not give me a reason. They said that they will send information and I never received it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX customer. I have been for the past 5 years. While I was checking my credit report, there was a negative report about a XXXX bill in collections. I called XXXX and they say they can't find the record. From what they see, I am in good standing. So, much so, I have a new account with them. The collection agency says this is from XXXX. The amount is {$1000.00} This same thing happened a few years back. It was removed, because it was not mine. Now, it is showing up again. My credit score is XXXX, but i am getting turned down for electricity service. The reason is the electricity companies are running a soft credit check and they are seeing a utility collection account. 

The collection agency is Waypoint Resources Group XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX
Product: Debt collection

15 USC 1692 validation of debts. I do not recognize how this account is reporting on my credit report. I don't recognize the account number. I don't recognize the account status. I don't recognize the accounts high balance. Nor do i recognize the late payment associated with it. Everything reported here does not meet the FCRA.
Product: Debt collection

After Several Attempts to verify and Validate Debt it was unsuccessful the information is Being in correctly reported and Since They havent responded or validated My Debt it needs To Be Removed from My Credit Report due to FCRA laws and these Reports Are Hindering My Credit score and opportunity to be approved For A home Loan.
Product: Checking or savings account

I registered for an XXXX XXXX  with XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ). During a trip to Florida I received some weird text messages requesting to access my account. When I further looked into the situation, there were three XXXX XXXX  taken through the XXXX mobile application on XX/XX/XXXX ( in the amount of {$200.00} ), XX/XX/XXXX ( in the amount of {$200.00} ), and XX/XX/XXXX ( in the amount of {$200.00} ). I contacted XXXX on XX/XX/XXXX after contacting Bank of America on XX/XX/XXXX, notifying them that I was a victim of fraud. That someone had taken cash advances and sent them to a debit card ending in XXXX, which is not my debit card. The only debit card that I used and registered with my XXXX profile, were my Bank of America debit card ending in XXXX which was tied to my Bank of America checking account ending in XXXX. XXXX immediately admitted to the fraud and stopped the transfer for one of the charges as repayment from my bank of america account ending in XXXX. The other two charges for repayment of the cash advance came out on XXXX. I have yet to be refunded for both of the charges by either financial institution. XXXX has stated that they admit the money was sent to an account that is isn't mine, however they will not refund me. Bank of America denied my claim for reimbursement.
Product: Credit reporting or other personal consumer reports

Over the past year, I've filed disputes for incorrect information on my credit report. I received emails and letters from the credit bureaus stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate. 

XXXX : XXXX XXXX | XX/XX/year> : Account number : XXXX, I never authorized these inquiries. 30 days should be enough time to investigate and delete. 

XXXX  XXXX : Account number : XXXX, I dont remember having a charge-off. 30 days should be enough time to investigate and delete. 

XXXX  XXXX : Account number : XXXX, I dont remember having a charge-off. 30 days should be enough time to investigate and delete. 

XXXX XXXX XXXX : Account number : XXXX, I dont remember having a charge-off. 30 days should be enough time to investigate and delete. 

Equifax : XXXX XXXX | XX/XX/year> : Account number : XXXX, I never authorized these inquiries. 30 days should be enough time to investigate and delete. 

XXXX XXXX XXXX : Account number : XXXX, I dont remember having a charge-off. 30 days should be enough time to investigate and delete XXXX : XXXX XXXX | XX/XX/year> : Account number : XXXX, I never authorized these inquiries. 30 days should be enough time to investigate and delete. 

XXXX XXXX : Account number : XXXX, I dont remember having a charge-off. 30 days should be enough time to investigate and delete. 

XXXX XXXX : Account number : XXXX, I dont remember having a charge-off. 30 days should be enough time to investigate and delete. 

XXXX XXXX XXXX : Account number:XXXX, I dont remember having a charge-off. 30 days should be enough time to investigate and delete.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to demand the IMMEDIATE removal of unauthorized credit inquiries from my credit report. These inquiries include, but are not limited to, the following entities : 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 My personal information was compromised in a data breach, resulting in unauthorized inquiries made without my consent or knowledge. I have already filed formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), yet you continue to deny my valid dispute and fail to remove these inquiries. 

Let me be clear : your continued denial of my requests is a willful violation of my rights under the Fair Credit Reporting Act ( FCRA ). These inquiries were made without permissible purpose, and your refusal to remove them is illegal. You are in violation of the following critical provisions of the FCRA : 1. 15 U.S.C. 1681b ( c ) - Permissible purposes for consumer reports. Unauthorized inquiries do not meet this standard and should have been removed immediately upon dispute. 
2. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) - Consumer reporting agencies must conduct a reasonable investigation of disputed information. Your failure to remove these inquiries after my dispute is a clear violation of this law. 
3. 15 U.S.C. 1681n - Liability for willful noncompliance. Continuing to report these unauthorized inquiries is willful noncompliance, and you are now legally exposed to both civil penalties and damages. 

The fact that you have ignored my dispute and legal rights for so long is unacceptable. I am giving you one final notice to remove these unauthorized inquiries within 24 hours from the receipt of this letter. 

Failure to comply will result in the following immediate actions : I will escalate my complaint to both the CFPB and the FTC for noncompliance with federal regulations. 
I will pursue legal action for damages caused by the continued reporting of these unauthorized inquiries, including damages for the harm to my credit, as well as potential punitive damages for willful misconduct. 
I will take further legal action to hold you accountable under the provisions of the FCRA. 

This matter is no longer negotiable. You have already been afforded ample time to act, and I will no longer tolerate any further denials or delays. You must remove these inquiries immediately and provide written confirmation of their removal. 

Failure to comply within 24 hours will result in XXXX and severe legal and regulatory actions. I expect to see the immediate removal of these inquiries without any further obstruction or excuses. 

Sincerely, XXXX XXXX
Product: Debt collection

I had a collection account with this company. ( Eastern account system inc. ) I called them and said I would pay this off but I need it deleted off my credit report. They said it would be deleted. I then paid debt in full and only received a paid in full letter. This account is still reporting to my credit as a collection on it. I am trying to buy a house so Ive called multiple times and have requested that it be removed. Now they tell me they dont delete it off the report and have hung up on me multiple times. When asked to speak to a supervisor or a manager they say that my info has been sent to one and they will call me when they have time. To this day I have not received a call back. I did my part and paid this debt off and it should not be on my credit report anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX NM XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$790.00} XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$480.00} XXXX XXXX Balance : {$4600.00} XXXX XXXXXXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  ) XXXX Balance : {$4600.00} XXXX  XXXX Bankruptcy XXXX Date Filed/Reported XXXX XX/XX/XXXXXXXX XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX 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 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
Product: Credit reporting or other personal consumer reports

This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 
XXXX XXXX XXXX Balance {$1100.00} XXXX XXXX  XXXX XXXX Balance {$1100.00} XXXX  XXXX Balance {$3100.00}
Product: Mortgage

Working with California Mortgage Relief and Schools First, my lender.

Schools First engaged in a pattern of lies and deception for almost a year as they scheduled 5 foreclosure sales on my home without informing me of a single one of those sales. " Lost '' my paperwork for the program XXXX times ( not an exaggeration! ), then used these " losses '' of paperwork to schedule even more foreclosure sales. " Lost '' recorded phone calls proving I had an agreement with them. " Lost '' details of other numerous phone calls I made to them. 

I filed a complaint with the CFPB - their response? " Why, we here at Schools First are *wonderful* at customer service. XXXX XXXX is just a grouch and he complains all the time ( by the way, almost 40 years there and I have never complained before! ). We do everything right and he's just a meanie! '' As of now, the California Mortgage Relief allows {$80000.00} to catch up. I was {$36000.00} behind and they illegally added late fees and interest ( against the law when the amount is in dispute ), ballooning it to over {$75000.00}. That leaves {$5000.00} for the 2nd mortgage. I applied for that {$5000.00}. I sent Schools First screen captures showing that I had applied for the rest of the funds to be applied to the 2nd mortgage. They then IGNORED ME COMPLETELY, REFUSED TO RESPOND, and then sent each other emails saying " DON'T RESPOND TO XXXX. '' They also through lack of technology skill and general lack of intelligence SENT ME THOSE EMAILS. I have attached a sample from the DIRECTOR of Loss Mitigation at Schools First
Product: Debt collection

Dear XXXX XXXX, I am responding to your contact about collecting a debt. You contacted me by Email, and identified the debt as Account XXXX : XXXX XXXX XXXX. I do not have any responsibility for the debt youre trying to collect. 
If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. I demand these accounts be deleted immediately or I will file for ligation
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom This May Concern, After checking my credit report there are a number of listed inquires that I have not applied for listed on my account. Please assist XXXX XXXX XXXX Credit Bureau XXXX XX/XX/XXXX XXXX XXXX Tenant XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax
Product: Credit card

XX/XX/2023 someone used my name, social security and date of birth to open a Bank of America Credit Card in my name. They use an address in another state I have never lived in or been to, someone else 's email and phone number to apply for the card. 
I reached out to XXXX to report it by phone and by mail. I sent via certified mail to XXXX a copy of the letter I received from Bank of America along with a copy of my current drivers license which the same address on file. I call today after I received the certified mail green card to verify they had received my documents. XXXX at XXXX verified they received them on XX/XX/2023. She also said my credit file is flagged as potential fraud. However, I would need to file a complaint before they could removed the inquiry from my credit file and mark my credit file as fraudulent.
Product: Mortgage

I made a payment on my mortgage loan on XXXX XXXX, XXXX. It was for the XXXX XXXX, XXXX payment. Ditech apparently applied it all to principal. I received a call on XXXX XXXX, XXXX at home regarding my late payment. I explained my payment was not late. The gentleman that call me said he would look in to it and call me back. He never called back. My wife received a call on XXXX XXXX, XXXX at home regarding the same late payment. She explained to the woman at Ditech that the payment made on XXXX XXXX, XXXX was a regular payment and that it should not have all gone to principal. The woman at Ditech assured my wife it would be corrected. I called on XXXX XXXX, XXXX and spoke to someone in collections who then transferred me to customer service. The man in customer service assured it would be corrected and taken care of. I called again today XXXX XXXX, XXXX and it still is showing my payment is due for XXXX XXXX, XXXX. I am worried they are going to show me 30 days past due and mess up my credit rating. I called to try and speak to someone and got voice mail. I am very frustrated at this time.