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

These are unauthorized inquiries ; I received alert when I woke up I noticed that this inquiries was added to my account approx at XXXX. I would like this XXXX deleted as I stated before theyre unauthorized XXXX  ( XXXX ) both dates XX/XX/year> XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I am writing to formally complain about the ongoing issue of an unresolved charge-off account on my credit report. Despite numerous attempts to dispute and remove this account, it continues to negatively impact my credit history, causing significant financial harm and distress. 

I would like to provide a summary of my efforts to address this matter : I first discovered the presence of the charge-off account on my credit report. Subsequently, I immediately initiated disputes with your credit reporting agency, providing evidence that this account was inaccurately reported. 

Over the course of several months, I have made multiple attempts to dispute and remove this charge-off account. I have followed all required dispute procedures, provided requested documentation, and communicated with the creditor associated with this account to rectify the issue. 

Regrettably, despite my unwavering commitment to resolving this matter, the charge-off account remains on my credit report, adversely affecting my creditworthiness and causing me financial distress. It has not been removed, updated, or adequately investigated by your agency or the creditor. 

These unresolved issues on my credit report have caused me significant financial hardship and emotional distress. I have followed the proper dispute procedures and expected a timely and accurate resolution of my credit history. 

I kindly request that you take immediate action to thoroughly investigate and remove this charge-off account from my credit report. Furthermore, I ask for a written response outlining the steps your organization will take to rectify this matter and prevent future inaccuracies on credit reports. 

I am fully aware of my rights under the Fair Credit Reporting Act and other applicable laws, and I will not hesitate to take legal action to protect my rights and interests if this issue remains unresolved. I am asking for your immediate assistance to remove this charge off account in Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I'm writing about NEWREZ MORTGAGE COMPANY and their continued lack of satisfactory service on my account. 

They purchased my loan from XXXX, which was my preferred provider and I've been lied to and treated horribly since. I've paid my mortgage on time EVERY MONTH with no missed payments and have inquired about PMI in RESPONSE to a letter they sent me regarding the matter, for them to tell me that my FHA loan as a LIFETIME surcharge attached to it, and that it is NOT PMI, which is incorrect. I PAY PMI EVERY MONTH ON THIS LOAN. PMI drops after one has XXXX percent equity in their home. I contacted them over ayear ago about this via phone at which time their agent told me this, which I already knew. I was then just under the XXXX percent requirement. 

My home qualifies for the PMI release. They even sent me a letter telling me to call them to get it dropped. When I sent them an email via their web submission, I got the usual run around from them via email that my FHA loan has NO PMI but I have the surcharge FOR LIFE. I have never in my life heard this, and this is NOT what I signed. Further, they charge me a MONTHLY PMI on my mortgage statement EVERY MONTH, yet they tell me I have some other arrangement. 

This fraudulent company has a SLEW of complaints all over the internet about fraudulent practices to the point where I don't understand how it is they are still in business. I would have never authorized this company servicing my loan and it's completely unfair they buy my loan and I am subject to FRAUD and LIES. 

You'd think in this climate, a mortage servicing company would give preferrential treatment to those customers not taking advantage of the current moritoriums, paying their mortgage on time, but this isn't what you get for being a good customer at all.
Product: Credit reporting or other personal consumer reports

XXXX Incorrect Accounts XXXX XXXX XXXX opened XX/XX/XXXX with a balance of {$820.00} XXXXAuto Loan with XXXX XXXX XXXX opened XX/XX/XXXX with a balance of {$5200.00} XXXX Incorrect Hard Inquiries for Credit : -XXXX  XXXX XXXX  on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX Incorrect addresses XXXX in XXXX XXXX, NY and XXXX in XXXX XXXX XXXX NJ Incorrect DOB Year XXXX is not my birth year Incorrect Cell Number XXXX is not my cell phone Never XXXX XXXX Incorrect Name XXXX XXXX XXXX XXXX is not my name Debt Recovery Claim -My lease terminated and I have no obligation for the rent requested from XXXX. XXXX XXXX XXXX and XXXX XXXX XXXX are responsible for payment
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted an application for pre approval on a line of credit through XXXX XXXX with Citizen One bank. This was not supposed to be reported on my credit report if I was not approved for the credit. As soon as I submitted the application, I was disqualified and a hard inquiry was reported. It negatively impacted my credit and they refuse to remove it.
Product: Checking or savings account

On XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX things like that, and on XXXX of XXXX I was finally released to go home I beet XXXX. As I get to my house I notice all my windows have been boarded up and everything I own is gone I called the police made a police report sent that to the bank and also my discharge papers that showed the date I was admitted and the date I was discharged.and they keep denying my claim 7 times now.
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis, XXXX  XXXX and XXXX doesnt have permission to report on my credit report the information inaccurate and I requested it to be removed Bankruptcy Court doesnt report to these companies however the searches for public reporting and they add information to my credit report third party billing company
Product: Mortgage

In XXXX 2012 I contacted trustmark bank to provide them with my mothers death certificate and my contact information as the payments would be made until I could get an attorney to probate the estate. In order to proceed the attorney would like up to 6 months to probate the estate as well as give time for the property to sale and close. 

This option is requested because the value of the home has been appraised at $ XXXX give me time to work with the attorney and the realtor in order to pay off and sale the property to another owner. Where this would allow me and my brother to obtain some legal compensation for the only asset left behind by my mother. 

Hold off on foreclosure proceedings and allow me to sale this home. 

So that me and my brother can be financially compensated for our pain and suffering during this difficult time with the death of our mother XXXX XXXX.
Product: Credit card or prepaid card

On XX/XX/2020, Saks Fifth Avenue closed my account without notice. I called the Cus. Ser. number and they informed me my account was closed to inactivity. 

I explained that during XXXX I have had severe medical problems ( on XXXX XXXX list ) and I was unable to shop or use my computer for online shopping. I recovered enough last year to finally go outside. Then the corona virus hit and everyone could not go out. 
The Saks employee said we have the right to cancel your card anytime we want. I have been a Saks card holder for over XXXX yrs, and even worked at Saks as a young woman. My credit score has been effected by Saks actions without me violating any part of the contract. This is a very unfair and hostile way to treat a loyal customer especially because of the current circumstances.
Product: Debt collection

Cedars Business Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Cedars Business Services, I am writing to dispute the alleged debt you are attempting to collect on behalf of XXXX XXXX. Your recent communications regarding this matter fail to acknowledge the circumstances surrounding the transaction in question, and I must insist that your attempts to collect this debt cease immediately. 
The debt you claim I owe stems from unauthorized activity on my XXXX account, which resulted in funds being withdrawn from my bank account and transferred to an unknown third party. Upon discovering this fraudulent activity, I promptly reported it to my bank, providing substantial evidenceincluding email records of unauthorized logins from foreign IP addresses and changes to my account information that werent done by mewhich conclusively demonstrated that my account had been compromised. Additionally, the fact that XXXX XXXX operates in the cryptocurrency industrya sector notorious for scams and fraudulent activitiesonly underscores the plausibility of this incident being the result of criminal exploitation rather than any fault on my part. 
Following a thorough investigation, my bank acknowledged the clear evidence of fraud and subsequently refunded the full amount of the unauthorized transactions. This outcome absolves me of any legal obligation to repay the disputed funds. The bank involved with this transaction was XXXX XXXX XXXX. 
Moreover, it is pertinent to note that XXXX itself has faced legal scrutiny and regulatory action, including being banned from operating in the United States due to allegations of money laundering and fraud. This additional context serves to strengthen my position that the funds in question were unlawfully obtained by a malicious actor, rather than being legitimately owed to XXXX XXXX. The real issue here is a lack of consumer protection by XXXX. A simple XXXX  search reveals many other cases with similar details as mine, where customers were missing thousands of dollars based on fraudulent activity.

In light of the aforementioned circumstances, I hereby demand that you cease all further attempts to collect this disputed debt. Any further communication from Cedars Business Services regarding this matter will be considered harassment and dealt with accordingly under applicable consumer protection laws.

Please respond via email that you have received this letter and have stopped any efforts of collecting the invalid debt. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, XXXX XXXX the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/XXXX  in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX
Product: Debt collection

i recently saw my credit report was showing collections owed to XXXX XXXX XXXX and Medical data systems inc. i called them and asked them to remove the collections because of the ammount of XXXX should be removed from my report. i also filed a dispute in which it came back verified from XXXX. the name they are using to verify is inaccurate and needs to be be updated in XXXX XXXX  and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  The accounts listed below, has violated my rights. 

XXXX ) XXXX XXXX XXXX XXXX Account # XXXX. XX/XX/XXXX for {$10000.00} XXXX ) XXXX XXXX XXXX  account # XXXX. XX/XX/XXXX. 
XXXX XXXX XXXX  XXXX XXXX account # XXXX. XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX and XXXX XXXX XXXX ) XXXX XX/XX/XXXX and XXXX XXXX XXXX ) XXXX  XXXX XX/XX/XXXX and XX/XX/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
Product: Debt collection

CREDENCE RESOURCE MANAGEMENT XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX is reporting inaccurate information on my XXXX  file. I have tried to contact both Credence as well as XXXX but have been unsuccessful in my endeavor. My name is XXXX XXXX NOT XXXX XXXX XXXX.
Product: Debt collection

XXXX XXXX XXXX collection XXXX XXXX, 2015 {$220.00} disputed over the phone and mailed in information
Product: Credit card or prepaid card

On XXXX, I purchased a mastercard gift card from XXXX XXXX in XXXX XXXX XXXX CA XXXX I could not use the website www.prepaidgiftbalance.com to activate the card so I called the number XXXX on the back of the card. The agent told me because the card was somehow scanned by fraudsters even before my purchase, so it is blocked from activation. I have to wait for a replacement card. 

I called vendor after 3 weeks and was told the card might be lost since I still haven't received it. I asked whether there is a way to send a card with tracking number and was told that is not possible.

It has been over 7 weeks, now and I still haven't received my replacement card yet.

No communication from this company and they do not show any sympathy for the inconvenience caused to customer.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, inc. ) due to inadequate customer service and unfair practices, which violate the Consumer, Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, the dispute resolution process was unfair and deceptive as they did not require with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. these actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

My name is XXXX XXXX XXXX, my email address is XXXXXXXXXXXX. On XX/XX/XXXX, I deposited a United States FEMA check with Regions Bank for the amount of {$95000.00}. I received {$300.00} in cash, a hold was placed on {$4800.00} until XX/XX/XXXX and for the balance of {$90000.00} a hold was placed until XX/XX/XXXX. I am objecting to the last hold on the {$90000.00} until XX/XX/XXXX. This is the age of computers. The bank will have these funds available on XX/XX/XXXX. Thus Regions is earning free interest, while depriving me of my legal money until XX/XX/XXXX. I want this hold removed immediately and my money available on XX/XX/XXXX. I also want the bank to rescind all holds of this type for the future. There is no reason for a 10 day hold on any transaction in this day and time. As I said, this is the age of computers and Regions will have its money available next business day.
Product: Mortgage

I am writing this letter in order to request your help and understanding. Back in XXXX  when the negative items was listed ], I lost my job and made a couple of late payments, even though I hated paying late. I do feel bad about it even now. However, I did get current on the account ( listed above ) as soon as my financial standing improved. I have in fact made timely payments since then. I've been working hard to make financially responsible decisions and get better control of my money. 

I am now buying a home but having difficulty in receiving an affordable mortgage rate due to the negative listing on my credit report. Thereby, I would request you to kindly remove this negative item as a gesture of goodwill. Your kind gesture would be sincerely appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have send Equifax several letters disputing inquiries that I did not authorize. For the following companies : 1. XXXX-XX/XX/XXXX 2. XXXX XXXXXX/XX/XXXX 3. XXXX XXXX-XX/XX/XXXX 4. XXXX XXXX XXXX-XX/XX/XXXX 5. XXXX XXXX XXXX-XX/XX/XXXX. 
The last letter send certified with tracking number XXXX in which was received XXXX XXXX by Equifax and they have ignored my letter. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and serious breach of my privacy rights. Equifax has failed to validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature authorizing an inquiry in the absence of any such documentation bearing my signature I requested the fraudulent inquiries be immediately deleted from the credit file that is maintained under my social security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for and got a credit freeze from Equifax. I need to lift it temporarily. But their website says that I have no record with them, yet it also says that I have a freeze in place. I tried calling several " customer service '' numbers but they are all just phone trees or endless waits on hold. There 's no online help because they say that I have no account there. 
Combine that with dead ends on their site such as this one after I try to recover my account : " We apologize for the inconvenience however the system is unable to complete your request. Please contact Customer Care at XXXX ( XXXX ), 7 days a week between the hours of XXXX XXXX XXXX Eastern Time Zone for assistance '' I promise that that number is just another dead end. 
My wife has a separate freeze and she gets the same dead-ends and no help. 
This company needs to be shut down and the executives fined and jailed.
Product: Debt collection

Received an alert on XXXX XXXX, 2017 stating that I had an opened account with XXXX XXXX for {$610.00}. Up until this day, I had never even heard of this company. This is showing up as derogatory on my credit report. I have made numerous attempts via mail and phone calls for someone at this company to validate this debt and or payment history along with a signed and legal binding contract between them and I. As of today, nothing. Please delete the account from my credit report for all 3 bureaus ( XXXX, XXXX and XXXX ). If the account is not deleted, I will be forced to contact the BBB and legal counsel to file suit.
Product: Debt collection

This company has repeatedly sent me bogus letters about a Debt that is Time-Barred. In their wording they are trying to re-age the debt. It is over 15 years old. 

They are zombie collectors. 

This alleged debt has not only exceeded the statute of limitation but is also no longer valid nor can it be validated by the original company or by the zombie collectors. 

They are using unethical and illegal practices to try and collect a debt that can no longer be validated due to it being over 15 years old. I have contacted the company " XXXX XXXX '' the original debtor and they can no longer find it to validate it even with the extremely aged account number First National is referencing on the letter they sent me. 

New Jersey 's Statute of Limitations for Credit Card Debt is : 6 years State Statute 2A:14-1. 

This company is violating the Fair Debt Collection Practices Act ( FDCPA ) by trying to reage accounts for their financial gain.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to contact these companies and advise they have the wrong person, and nothing happens. 
Below are a list of these companies, this error is keeping me from buying a home. 

1 ) XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$1400.00} 2 ) XXXX XXXX  Opened XX/XX/XXXX Balance {$590.00} 3 ) XXXX Opened XX/XX/XXXX Amount {$2100.00} 4 ) XXXX XXXX XXXX  Opened XX/XX/XXXX Amount {$1400.00} 5 ) XXXX XXXX XXXX  XX/XX/XXXX Amount {$550.00} 6 ) XXXX XXXX {$1400.00} XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters and my FTC report, and the company has still not responded. 
on XX/XX/23 i mailed my dispute letter, on XX/XX/23 i mailed my XXXX letters with for me with all the information requested for me, on XX/XX/23 i sent my FTC report and still no response, i requested proof of the allege accounts belonging to me, i haven't received a response. On XX/XX/23 i sent another XXXX letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mailed certified letter to EXPERIAN with regards to unauthorized credit inquiries. No response, or validation of all these fraud credit inquiries. I would like to see validated signatures of my permission to pull all of these inquiries. If EXPERIAN can not provide me with PROOF of signature in which, I consented to these inquiries. I have asked them to remove all of these fraudulent inquiries from my credit report. 
( See attached letter )
Product: Debt collection

In XX/XX/XXXX, I received two letters from XXXX XXXX XXXX XXXX asking for payments for two XXXX XXXX accounts. After checking my XXXX Credit Report and my XXXX reports I noted that all of the information about the two accounts that Portfolio was trying to collect on were not verified by credit card numbers ( the credit card acct. numbers in question had between 2 and 6 first numbers of existing accounts correct ). The original banks that issued that issued the cards and amounts owed differed completely from my Credit Reports. The original accounts that I had with XXXX XXXX had all been opened in XX/XX/XXXX and all three of the accounts from that time were on my Credit Reports. Portfolio was also calling my elderly mother 's house on the average of five times daily. I also could see that Portfolio had referenced my credit report every month starting in XX/XX/XXXX and knew the accounts they were trying to collect on were not valid. I disputed their claims with the above information and they mailed a letter to me saying the information was not new to them so they were rejecting my dispute. The address for this company is : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX. The telephone number is ( XXXX ) XXXX. Their e-mail address is XXXX. I have spoken with lawyers about this problem and even though I am deemed Uncollectible due to source and size of my income, I see this as a social justice issue that needs to be reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Consumer Reporting act XXXX XXXX XXXXXXXX XXXX  account XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.