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

XXXX XXXX, XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Summary of Accounts being challenged in list form XXXX ( XXXX ) - ( XXXX ) XXXX Personal Information for Equifax NAME : XXXX XXXX XXXX XXXX Can you please delete any records in your system where my name is not exactly XXXX XXXX? 
This will ensure that the database has accurate information about me. 
CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My only address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. If you have any address listed in your system that do not match my address as its listed here, please delete them immediately so you can make sure the database has accurate information about me.
Product: Debt collection

The account just appeared on my credit report XX/XX/2022 out of nowhere in the amount of {$830.00}. I had nothing on my credit report for this amount anywhere. I have disputed it and asked for written verification of the debt from CENTRAL PORTFOLIO CONTROL, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, MN XXXX with nothing heard back. I received ZERO written information via mail.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally complain about unauthorized credit inquiries that appear on my credit report. My name is XXXX XXXX XXXX, and upon reviewing my credit report from XXXX, I have identified several credit inquiries that I did not authorize, which have negatively impacted my credit score. I am concerned about the potential for identity theft or fraud. 

Here are the details of the unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2024 XXXX XXXX XXXX XX/XX/2024 I did not initiate these inquiries and I have no relationship with the entities listed that would justify these hard pulls on my credit. 

I have already contacted XXXX to dispute these inquiries ; however, I am filing this complaint with the CFPB to seek your assistance in ensuring these fraudulent inquiries are investigated and removed from my credit report as soon as possible. 


I am requesting that the CFPB assist by ensuring that these inquiries are removed from my credit report and that any necessary actions are taken to prevent further unauthorized activity on my credit profile. 

Thank you for your attention to this urgent matter. I am looking forward to your prompt response and assistance. 

Sincerely,
Product: Debt collection

Portfolio Recove ry Associates, LLC refuses to se nd me documentation showing how much money I have paid them and how much is left for me to pay. Every time that I call consumer service the amounts vary. This does not make sense and is not reflective of a responsible and honest financial institution.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at OFFICE OF THE ATTY GENER on XX/XX/XXXX with a balance of {$1000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am filing this dispute regarding the remaining hard inquiries on my Experian credit report that are not associated with me and were reported without my written authorization, specifically the inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I already disputed these last month, but they remain on my report. I request the immediate deletion of these disputed hard inquiries. Reporting them without my consent violates the permissible purpose requirement under 15 U.S.C. 1681b, which mandates that credit inquiries must have proper authorization.
Product: Credit reporting or other personal consumer reports

I was charged for a new lease at my former apartment after I had already moved out I was also charged for a portion of my old lease and for the removal of furniture after I moved out. 

This was during the XXXX Pandemic and I was enrolled in a state funded relief for renters insurance my state, XXXX XXXX XXXX XXXX XXXX ) XXXX HOPE foundation. Which paid for the entirety of my lease. After which I left the apartment in good condition and returned my keys to the management company. However, a year after I left was when a collections account was opened on my credit report with the most ridiculous accusations. 

They alleged I signed another lease which I didn't because I was out of state at the time and they also said I owed rent from my previous lease which was paid by the state, the state even gave me proof of the payments made to the apartment. And the said they removed furniture from my apartment which just isn't true and even if it was they took my security deposit. 

I have tried to dispute through the various credit bureaus to no avail because I haven't been able to upload my supporting documents. 

Please help me with this situation.
Product: Credit reporting or other personal consumer reports

I received a hard inquiry on my card report for a line of credit with XXXX XXXX that I didn't apply for. It was applied for by someone using my name and information but a different mailing address in a different state on XX/XX/2024.
Product: Mortgage

Last year, my wife and I fell behind on our mortgage. After a long, arduous process, Carrington Mortgage finally agreed to allow us to do a loan modification. The modification would allow us to bring our loan out of default. The 1st part of the modification process involved us making three consecutive " trial payments, '' before the modification could be finalized. We made our payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with no problems, as we were asked to do. At that time, our modification rep at Carrington e-mailed us and told us that they were sending paperwork that we had to sign and send back to them by XX/XX/XXXX, in order to complete the trial period and move on. We did that, too. Nowhere in the paperwork they sent us and had us sign, did it mention anything about what our new mortgage payment would be due, how much it was, or when it was due. The third week of XX/XX/XXXX, I e-mailed our modification case worker, and let her know that we had returned the signed and notarized paperwork, and provided her with a tracking number to track the package. I asked her to let me know what was next, as soon as possible. A couple of weeks passed, and we received our mortgage statement from Carrington for XX/XX/XXXX. In their statement, they showed that we were still in foreclosure, and made no mention of any payment being do and when. This created a concern for me, so I contacted our modification rep again, this time by phone. She assured me that everything was processed properly, and that I would be getting information about our new payment soon. That information never came. Just last week, I e-mailed our Carrington modification rep again, and let her know that we STILL haven't received any information about our new mortgage payment or due-date, and that I was starting to become concerned. Well today, XX/XX/2020, I received two letters from Carrington Mortgage simultaneously. One of the letters was a late notice! Carrington said I had a mortgage payment that was due on XX/XX/XXXX that was now late, and that they were charging me a late fee. I also received a mortgage statement for XX/XX/XXXX, stating that I owed two mortgage payments and a late fee by XX/XX/XXXX. We have spent so much work and effort to get this mortgage back on track, and this was just devastating to us.
Product: Credit reporting or other personal consumer reports

The credit inquiries listed are unauthorized and I have attempted multiple times to contact these companies directly to have them remove them and haven't received a response : XXXX : XXXX. XXXX XXXX XXXX : XX/XX/2022 XXXX. XXXX XXXX : XX/XX/2022 XXXX. XXXX XXXX XXXX XXXX : XX/XX/2022 XXXX. XXXX XXXX : XX/XX/2022 XXXX. XXXX XXXX XXXX XX/XX/2022 Equifax : XXXX. XXXX  XXXX : XX/XX/2022 XXXX. XXXX XXXX : XX/XX/2022 XXXX  : XXXX : XX/XX/2022
Product: Checking or savings account

I was at work about 3 weeks ago when i got a notification that there was two alerts that both for XXXX bucks at the same atm within a minute from each other. This was also an atm in a complete different city that i live and work in. Called canceled my card opened a dispute. A week went by they responded with nothing was found wrong. Called again and reopened the case. Today i get the same message back copied and pasted. What can i do about this? 

This was through simple banking
Product: Debt collection

Fidelity Creditor Services is the debt collector for the doctors at XXXX XXXX in XXXX XXXX. My insurance, XXXX XXXX, paid my medical bills in XXXX and XXXX and then took back the payments. I kept disputing the charges but to no avail. XXXX turned my account over to Fidelity for collection. Fidelity added alot of interest to the original balance and then Fidelity reported the XXXX account as XXXX derogatory accounts on my credit report- XXXX for each visit or procedure I got in XXXX or XXXX that XXXX XXXX took back their payment for. Even visits to the same doctor were reported as separate accounts. I have complained in writing and in person to XXXX XXXX and to Fidelity but they wo n't do anything about it. They said if I paid it, they would remove it but instead it is still there, XXXX derogatory accounts but the balance is noted as XXXX on each visit or procedure that is paid. This has harmed my life for years now. My credit score is horrible. This ca n't be legal. It would be like XXXX creating multiple derogatory accounts for each purchase made with the same XXXX credit card that became delinquent. Please help!
Product: Debt collection

Collection agency name is Ideal Collection Agency {$9600.00} opened XX/XX/year> its not we owe XXXX XXXX apartments in XXXX XXXX Fl sold when is covid time when we lost our jobs me and my husband they were freeze the our rent till find a job which our lease was ended XXXX we were owe 2 months of rent XXXX each months so should be not more than XXXX for rent end up owe XXXX all this fees everything, they told us we have to pay everything up front order to taking out of our credit, we were apply for a help while we moved to XXXX and after that they send us to collection, by law I find out that when we owe to apartment complex not sending to collection while covid time which they didn't follow the law they send us any ways without calling us we are not owe to Ideal collecting service pls help
Product: Credit reporting or other personal consumer reports

Today XX/XX/12 I checked my XXXX credit report and saw a notification that my score dropped XXXX points due to an inaccurate reporting. The account is APPLE CARD - GS BANK. The account was closed and have been reporting closed for over 1 year as a charged off account ( with a balance still reporting ). Now on XX/XX/12 after checking it shows the account as opened ( see attached ) with 229 % utilization on an already closed account. This inaccurate information not only dropped my score but puts more distrust in these CRA and banking systems more than ever.
Product: Credit reporting or other personal consumer reports

EQUIFAX NEGATIVE ACCOUNT DISPUTE Subject : Request for Verification or Deletion of Negatively Reporting Accounts- 15 USC 1681i Dear EQUIFAX Credit Team : I am writing to dispute the accuracy of information contained in my credit report, specifically regarding the accounts listed below which are negatively impacting my credit profile : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) as outlined in 15 USC 1681i, I am requesting that you undertake an investigation to verify the validity of the reported accounts or, if unable to do so, delete it from my credit report in accordance with my FCRA rights and the law. 

Upon reviewing my credit report, I discovered that the accounts in question are being reported negatively. However, I have reason to believe that this reporting may be inaccurate or incomplete. I have not received any documentation or communication from the creditor regarding these accounts, nor have I been provided with any evidence supporting the reported information. 

As mandated by the FCRA, I request that you conduct a thorough investigation into the validity of these accounts. This includes verifying the accuracy of the account information, the identity of the creditor, and the details of any transactions or activity associated with the account. 

Furthermore, if you are unable to verify the accuracy of these accounts within the statutory timeframe, I request that they be deleted from my credit report immediately. The FCRA requires credit reporting agencies to maintain accurate and fair information, and inaccurate reporting can have significant adverse effects on my financial standing and opportunities. 

Please provide me with a written response detailing the results of your investigation and any actions taken within the timeframe required by law. Additionally, please include any documentation or evidence that supports the accuracy of the reported accounts. 

Thank you for your prompt attention to this matter. I look forward to your timely response and resolution of this dispute.
Product: Debt collection

PRA. Replied to a complaint and i will attach the letters sent and as you will see that was not my address, so no wonder I received and notification, PRA. Soft pulled my XXXX report XX/XX/XXXX so they should have seen my address, and that address is not mines .... so no communication was sent to therefore i did not get my time to refute the claims .... furthermore both accounts was deemed fraud by original creditor and PRA will not be able to give any documentation that proves i owned this account .... need these gone from my report asap I was never contacted My current address is listed on the government documentation and and utility
Product: Credit card or prepaid card

On XX/XX/XXXX, I purchased concert tickets for {$580.00} from the website, XXXX using my Chase Visa debit card. Because of the pandemic, the concert was first postponed. Then the concert was officially canceled sometime in XXXX. The merchant 's policy was if the event was canceled customers would be entitled to a full refund. I first filed a complaint with Chase in XX/XX/XXXX because the concert was obviously not going to be rescheduled anytime soon. Chase declined my claim because they say the concert was rescheduled, and not cancelled. I then disputed the resolution once the concert was officially cancelled. Chase still does not want to refund me the money, although I've provided significant proof that the concert was cancelled, and the merchant ( XXXX ) will not refund me the money themselves because Chase has already come to a resolution. XXXX already have a bad reputation for scamming customers out of their money XXXX XXXX XXXX XXXX Now, the merchant will not refund me my money or give me credits for future events, so I am out of almost {$600.00}. It's completely unfair that Chase as my bank will not mediate the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have 2 collections on my account that should not be there. i disputed it so many times with them and with you guys and nothing happens. they are still on my report. they were suppose to be deleted a long time ago. i tell them its fraud and the try to get me to settle for a payment when its fraud!! I want them to remove the collections off my account all three bureaus play a part in, XXXX, Transunion, XXXX
Product: Debt collection

About 2-3 years ago, I went shopping for new back to school outfits. I was in dire need of new shoes. I went to a clothing store near me - XXXX. I was told by a representative about a savings deal, that if I signed up for a credit card I would receive a certain percentage discount. I'm a XXXX XXXX, so I of course love any discounted rates available I can get! I gave my information and the entered it in to her computer register. I was approved for the card almost instantly and went on about my day with my new shoes. This letter is not in regards to the quality of the shoes, but in regards to the bad quality of performance. 

I came back to the same XXXX a couple of weeks later, as I wanted to pay for my shoes. I was younger not knowing exactly how credit cards worked, as it was my first time having one- but knew I definitely had to pay them back. I thought I could pay in person, but a representative at XXXX  told me to call the number on the back of my card, that I should be getting it soon in the mail. I said okay and left. Several things go on in a young working XXXX XXXX mind. Days carried on and I never received a statement, an e-mail, a call, or even the card itself. What triggered my memory about this was a call I received for the first time in regards to the card on Friday XX/XX/2017 while driving on my way home from work. This call was not from XXXX XXXX, but from a collection agency. They explained to me what the debt was for and of course the usual routine is to verify youre talking to the correct person before you carry on with the conversation. They asked if they were speaking to the right person, I verified that it was me and I was asked to also verify what my SSN was. Representative then read to me all my contact info to make sure everything was up to date. 

The address she read back to me was incorrect. Instead of XXXX XXXX XXXX XXXX. ; the agency had XXXX XXXX XXXX XXXX. I told them if that's the information they received from you all at XXXXXXXX XXXX, then that should be the reason why I never even received anything. I was willing to go ahead and pay the bill until they told me what the amount was. My shoes were definitely not anything designer. I know for a fact they were not anything over {$50.00}. If my memory serves me right, I'm pretty sure they were around {$45.00} with the discount, thus I am opening a dispute for the amount of $ 200+ I am  been charged as a now debt. 

Pulling up my credit report, I do see XXXX XXXXXXXX XXXX on there ; and it is affecting horribly. This one simple mistake made by this company has brought my credit score down ridiculously low. Now as a XXXX  seeking a XXXX degree, I am getting turned down left and right by lenders and loaning companies because of how badly this negative reflection has affected my credit score. -Everything else is perfect with on time payments on my other currently open credit card accounts. I was told by the collection agency that I had a credit line of {$550.00}! I was sincerely surprised by that because now I can't even get a regular credit card of more than {$200.00} ( With my deposit of {$100.00} even included ).
Product: Debt collection

You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you cant and did not verify any of the disputed accounts like you said you did. Your failure to delete the disputed accounts that you cant verify after two written requests is also evidence of your willful disregard of Federal Law. 

When we go to litigation and through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts.A copy of a bill doesn't prove that an account was open by me The fact that you dont have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and the Court will order you to delete them. 

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law.