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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NC XXXX Account Number : XXXX in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 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 an account without my written instructions ) under 15 USCS 1666b ( a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose ) Upon receiving a dispute credit bureaus are required to conduct a reasonable investigation Under 15 U.S.C.1681i ( A ) ( 1 ) ( a ) I request information on investigation was told they dont have any
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX This CFPB complaint has been filed to pursuant to FCRA 605B ( 15USC 1681c-2 ) that you the Experian 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 consist of a personal credit card account opened at : XXXX  account opened on XX/XX/XXXX and it has a balance of {$40.00} Account # XXXX XXXX  account opened on XX/XX/XXXX and it has a balance of {$24.00} Account # XXXX In collections I have XXXX accounts that are a result of Identity Theft. From the following : XXXX XXXX XXXX with account number XXXX {$1900.00} XXXX XXXX XXXX with account number XXXX {$1800.00} These XXXX collection accounts state they are the result of fraudulent XXXX  XXXX XXXX  that have been removed from my credit report due to identity theft. These must be removed pursuant to FCRA 605B ( 15USC 1681c-2 ) and these accounts have been placed in collections and are showing on my credit report as closed.. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections and closed accounts appearing on my consumer XXXX credit report. I have attached a list of hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items, I do not recognize the aforementioned accounts, collections, closed accounts and hard inquiries as reported. The accounts, collections, closed accounts and hard inquiries appearing on my credit report were NOT opened, made or initiated by me. All of these accounts, collections, closed accounts and hard inquiries are a result of identity theft and fraud, I have attached a copy of the FTC Identity Theft Criminal Complaint number ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are a result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received fraud alerts that my equifax credit report was access by two companies. I reached out to equifax and was assured that the inquiries would be removed due to my fraud alerts and identity theft report i had on file. I was told to give Quifax 24-48 hours to remove the inquiries. 

Its been almost two weeks and the only thing Equifax did was send me a letter in the mail giving me the definition of what an Inquiry is. I know what an inquiry is and that is not why i called. 

Inquiry - XX/XX/21 - XXXX  Inquiry - XX/XX/XXXX- XXXX XXXX XXXX XXXX XXXX 

Equifax did not address the issue and left the inquiry as it stands and Equifax did not remove it. I have not applied for credit with those companies and both companies assured my that no new accounts were added as the inquiry was the result of fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit inquiries are the most common ways a bad actor, hacker, impersonator, or other entity uses to gain inappropriate, illegal, unlawful, unauthorized, and credit without resent. There has been a warning on my report to not approve such things. My credit report with Transunion is a complete mess, full of inaccuracies, and they have chosen not to deal with it. This is unacceptable. Any fraudulent, illegal, illicit, unlawful, inappropriate, unauthorized, no consent, no permission from myself, XXXX XXXX XXXX is not considered a valid reason to XXXX credit, credit access, credit inquiries, and other things. These entries should and shall be removed.
Product: Credit reporting or other personal consumer reports

I am writing to report a concerning issue related to fraudulent inquiries on my credit report. I recently discovered unauthorized credit inquiries that have been made in my name without my consent or knowledge. 

These fraudulent inquiries have the potential to adversely affect my credit standing and overall financial well-being. I am deeply concerned about this situation and would like to request the assistance of the Consumer Financial Protection Bureau ( CFPB ) in investigating and resolving this matter. 

I have contacted the credit reporting agencies, specifically TransUnion, XXXX and XXXX to dispute these fraudulent inquiries. And they refuse to remove them. 

I believe that additional intervention is required to fully investigate and resolve this fraudulent activity. I kindly request that the CFPB assists in coordinating with the relevant agencies and institutions to identify the perpetrators and ensure that my consumer rights are upheld. 

I have attached copies of the fraudulent inquiries. Your prompt attention to this matter is greatly appreciated. Please acknowledge receipt of this report and provide guidance on any further steps I should take to address these fraudulent inquiries. 

Thank you for your assistance in helping me resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has been unfairly and poorly reporting my credit report to lenders and companies. I know that their information is incomplete or they are too lazy to make the updated correction. Yes I have tried to speak with someone over at Experian but their automated system prevent you from speaking to a live person. Their online presents is not as efficient as say XXXX, XXXX.My Credit score with every other credit bureau is over XXXX. I would even understand a high XXXX score for them but XXXX when you compare my payment history/ utilization is under 5 %. length of credit is over 10 years and in good standing. I have been very careful and responsible so why is my score so low? I am starting to think there is an underline cause that is not right. So before I take things to the next step calling lawyers let us see if your company can mediate a fair score for all my years of hard work. I Applied for a XXXX XXXX and got denied due to Experian report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There a company name XXXX  XXXX they gives someone a credit card under my name and after a long time they send me a letter said im going to collection agency after i called them many times to let them know i didnt apply for any credit card on their company they put the account under investigation and they find out its a fraud so i dont have to pay anything. 
After all this i get my credit report and i see a hard inquires from the same company thats i didnt apply for anything with them or give them the authorization to do. Everytime i called them i didnt get a resolve to my problem They effecting my credit score for something i didnt do! 
The hard inquires was on XXXX  XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XXXX XXXX. 

And theres another company XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XXXX  XXXX. 
I dont know what is this company are i try to call the number above and they want a account number or social security number and since i dont have a account with them i enter the social security number and it said not in file or something like thats they also do a hard inquires thats effect my credit score! 

And there is another one XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

i dont have any account with them And also this company XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XXXX XXXX. 
I dont know what is this company for or what is it but i didnt apply for any credit card i only have two cards one with XXXX XXXX and one with XXXX thats it i dont have any other credit cards with any other companys They also do a hard inquires effecting my report I have a hard time working on my credit to build and im working so hard to make it perfect i dont know from where this companies came to my report And theres a address on my report i never live in or be there in my life i dont know from they got this address from. 

XXXX XXXX XXXX XXXX XXXX, MI XXXX I never live there or been there all my life! I dont know from where they got this address And theres another compay do two hard inquires in the same month XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XXXX XXXX. 

XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Unspecified. This inquiry is scheduled to continue on record until XXXX  XXXX. 

I dont know why this two hard inquires in my report and from where they came! 

Please i need your help with my complicated situation!
Product: Credit reporting or other personal consumer reports

violation of consumer laws- See annexed correspondence I am not liable for this debt I do not have a contract with Portfolio Recovery Associates , they did not provide me with the original contract as i requested
Product: Mortgage

In the summer of XXXX our electric went up triple we had almost XXXX $ for one month, and started getting behind that year due to that, with shell point morgage. I was only one month behind in the winter, then husband went on layoff because he is in awn and landscaping. In XXXX we started a modification, i was rather reluctant because our payment was XXXX $ and XXXX fixed, I wanted to catch our couple month payments up with our tax refund, the relationship manager said we where going to go into foreclosure if I did do modification, we where really p ressured and scared into a modification. I am XXXX I believe he treated me unfairly and wanted me to lose my home. He sent papers we got them signed and notarized, because he rushed us, I didnt get the terms of modification when we signed. I made my on time payments then, morgage was sold to select home portfolio in XXXX of XXXX of XXXX, I received all my paperwork and said it was a 6.75 % with a XXXX $ payment and a 40 year mortgage note. I have not made payment since and have had so many hardships including covid layoffs, mental breakdowns, now we are in foreclosure with me type XXXX diabetic, daughters having intellectual XXXX, and my feet are XXXX badly.
Product: Mortgage

Until end of year 2020 I have always received a check made out to me and the City Treasurer for real estate taxes from my escrow account. I did not receive a check in XX/XX/2020. Upon contacting the mortgage company I was informed, on two occasions, that a check was sent directly to the city. That's very unusual. In fact, a rep from company said it was sent to the city because the city sent them an invoice ; no so. He obviously didn't know what he was talking about. 

The city treasurer 's office has no record of receiving a check. Consequently, I had to pay my 2020 property tax out of personal funds. 

The attached file containing the escrow statement is how Home Point Financial responded to my first call. The WORD doc is their answer to my second call. 

Lately, Home Point has been unresponsive.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; Chapter XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to file a formal complaint regarding the inaccurate reporting of a repossession on my credit report by Equifax. My name is XXXX XXXX and I am deeply concerned about the negative impact this erroneous information is having on my creditworthiness. 

Upon reviewing my credit report, I discovered that Equifax has listed a repossession from XXXX under account number XXXX. However, I want to clarify that I did not receive proper notification about this alleged debt. As a result, I am requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene in this matter to rectify the situation. 

I am aware of my rights as a consumer, and according to the Fair Debt Collection Practices Act ( FDCPA ) and other relevant regulations, creditors are required to provide proper notification before taking actions such as repossession. This notification should include an acceleration notice, an opportunity to cure notice, and a post-repossession notice. I have not received any such notifications regarding the alleged debt from XXXX. 

In light of the above, I kindly request that the CFPB investigate this matter and compel Equifax to provide evidence of the notifications they claim to have sent me. Specifically, I ask for the certified receipt with my signature on it, demonstrating that I indeed received proper notification about the debt and subsequent repossession. Without such proof, I believe that my rights as a consumer have been violated. 

Moreover, I urge the CFPB to instruct Equifax to remove the inaccurate account of repossession from my credit report immediately. This incorrect information is unjustly damaging my credit score and financial reputation, which can have severe consequences for my ability to secure loans, housing, and employment opportunities. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. Please feel free to contact me at XXXX or XXXX if you require any further information or clarification regarding this complaint. 

Thank you for your assistance in addressing this issue. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, TN Email : XXXX Phone : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The information thats reported on my credit report by Santander consumer USA, is inaccurate. On XX/XX/XXXX Santander received my regular monthly payment of {$790.00} in addition to a payment of {$15000.00} from a third party, proceeds from the auction of a XXXX XXXX XXXX thats financed through Santander consumer USA. For which they failed to pick up from the police impound after being given prior notice about the auction taking place. And now after receiving those payments, and me notifying them on XX/XX/XXXX about making future payments towards my account balance they went ahead and charged off my account without any prior notice. Which as severely damaged my credit and effecting me from securing future credits/loans.
Product: Credit card or prepaid card

I applied for an Exxon Mobile Credit Card because I had the rewards card. When I completed the simple application, I immediately was sent a request to call the 800 number. when I called the number the CS rep requests my phone number. I gave it and she asked if I had any Citibank cc. I said no but being that it is a cellphone the number could have been recycled. She told me we can not use your phone number, I asked why and she said I can not reveal that information. I told her that didn't make sense because I answered your questions. She then stated I was declined. 

I told her that was totally biased and credit should not be on the premise of a phone number. Now my credit has gone down and I want them to remove the request as a hard inquiry for being nondescriptive and dismissive about a phone number.
Product: Credit card or prepaid card

This is not the first time Chase has lowered my credit line after paying off my entire balance. Its odd that we have been customers for almost a decade, pay our bills on time, and are rewarded by our credit line being lowered when we make large payments. I want my credit line restored to where it was, or we will have to permanently part ways with chase. This is not fair or ethical to do this without contacting the customer when they have a credit line they expect to have access to ... .no warning. 

Why is Chase consistently punishing loyal customers who have CONSISTENTLY paid their bills and put money in the company 's pockets? If they can't scam you out of interest rates and fees, they lower your credit line until they push you away from being a customer?? It's an off the wall business practice and I would like for Chase to take some accountability .... please do the right thing. If there was an issue or concern, why not reach out to the customer first??
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a money lion credit builder account last year to help build my credit. MoneyLion as a company promised to help with a loan which you pay back to build credit of {$500.00}. you actually get a loan which is $ XXXX {$170.00}. i updated my payment option choice to there app and when it was time for the first payment to be withdrawn it never came out. i called customer service they said they would waive the fee and they updated the card and the one payment was forgiven the next month i added for an insta-loan, one of there other programs i told them to take both payments from the same card. Money lion choice to take from a moneylion card to make my payment arrangements instead of the one i requested an they had Technical difficulties for 2 months on my payment dates. they told me my account was delinquent but i could pay to have it in good standing. i was frustrated and agreed and paid i called customer and asked why is this reporting to my credit as late an collection they said that the system has already placed me in collections before my payment took process. there are numerous reviews on Trusted websites about moneylion messing up peoples reporting i think there a company just collecting data an no real purpose of helping rebuild credit.
Product: Debt collection

On Monday XX/XX/XXXX I attempted to contact a debt collector in order to settle debt from 2017. I requested a debt validation letter and the representative refused to give it to me. I asked multiple times if he could email me a statement saying he could not give me a validation letter and continue to refuse and avoid the question. I have paid them twice and they were unable to provide information or confirmation about my {$140.00} payments. The payments attached are to XXXX XXXX for {$140.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Acceptance have been reporting late payments when all payments were pay as agreed since XXXX.They also repossessed my vehicle when a payment arrangement was made the day before in XX/XX/XXXX, with a balance XXXX. I have paid {$6900.00} to credit acceptance.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this acct numerous times. I have received a letter from the company saying it will be removed from my credit report and it still has not. The letter is attached. 
I sent the bureaus the attached letter more than 30days ago on XX/XX/2021 along with dispute letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act convergent account XXXX has violated my rights. 
15 U.S.C. 1681 section 602 A States I have rights 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 instruction. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Balance {$2900.00} Highest Balance {$2900.00} Opened XXXX. XXXX, XXXX  ( XXXX yr, XXXX mos ) Account status Open Type No Info Responsibility Individual Account. 
Remarks Collection account Original Creditor Name No Info Closed No Info