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

On Friday XX/XX/2020, I was contacted by Financial Freedom Mortgage LLC ( FFM ), located at XXXX XXXX XXXX XXXX, XXXX  XXXX, NJ XXXX ), for the purposes of obtaining a mortgage refinance rate quote. I was told by the opening sales person that they would need to run a soft inquiry of my credit report and I consented to a soft inquiry only, since I was still shopping for rates and was not ready to initiate the refinance yet. I continued with the phone conversation and was transferred to another sales person who told me that I was pre-approved for a loan. The sales person did not advise me that he was running a hard pull on my credit report and at no time did I give authorization for them to do so. The next day my credit monitoring service alerted me of the hard pull. FFM used a third party, XXXX XXXX XXXX ( XXXX ), to run the report. I contacted XXXX that day and they advised that FFM ran not one, but two hard pulls of my credit report on the same day. I filed a complaint with them and advised that I did not consent. On Monday XX/XX/2020, I contacted FFM to file a complaint and I first spoke to XXXX ( refused to provide me with his last name ) who advised that he was the Loan Officer Manager. I explained that I did not give consent for a hard pull and he advised that I should have assumed that when I was pre-qualified that they were going to run a hard pull. I continued to explained that the first salesperson I spoke with made it clear to me that only a soft pull would be conducted. XXXX was very defensive and combative and abruptly hung up on me. I called back and insisted to speak to his manager. After not allowing me to speak with anyone else after twenty or so minutes he finally relented and transferred me to his supervisor, who identified herself as XXXX XXXX. Ms. XXXX advised me of the same information that I should have assumed that they were running a credit report since I was applying for a mortgage refinance. I advised her that I am well aware of that a hard pull would have to be done eventually and that I was shopping for the best Annual Percentage Rate ( APR ), and that I was lead to believe that they were only conducting a soft pull of my credit report. Ms. XXXX advised that she would have XXXX XXXX, who is one of their Vice Presidents, contact me. On Thursday XX/XX/2020, Mr. XXXX called and I advised him that I did not want to do business with his company and that they never had my authorization to conduct a hard pull of my credit report which violates the Fair Credit Reporting Act. He said he would look into it and the conversation ended. During the week of XX/XX/2020, I received a letter in the mail from FFM advising me that they pulled my credit report. I have not heard anything additional from FFM. As a result of their hard inquiry of my credit report, it adversely affected my credit score by reducing it multiple points.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Removal of Unauthorized Hard Inquiries Due to Identity Theft Dear XXXX and Equifax XXXX I am writing to formally request the removal of unauthorized hard inquiries from my credit report. After a recent review, I discovered several hard inquiries that I did not authorize, which are negatively impacting my credit score. 
The unauthorized inquiries related to identity theft are as follows : * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Fair Credit Reporting Act ( FCRA ), XXXX have the right to dispute any inaccurate information on my report. Since I did not authorize these inquiries, I am requesting their immediate removal. To assist with verification, I have enclosed a copy of my ID, a recent utility bill, and my credit report with the unauthorized inquiries highlighted. 

Additionally, I have filed an FTC identity theft report with the Consumer Financial Protection Bureau ( CFPB ). 

Please investigate these inquiries and remove them from my credit report at your earliest convenience. I would appreciate confirmation once the removal is completed or guidance on any further steps required. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

In credit card disputes with merchants, JP Morgan chase does not ask us its customers to present any evidence when we are contesting a charge. 

In my case, I bought two train tickets in error in XXXX. I told the train operator who agreed and handed me a receipt to take to the ticket booth to get a refund. The booth was closed and thus I had to contest the charge with Chase. I was waiting to present the refund receipt I was handed by the train operative- but chase never asked for it and found in favor of the business. This has happened countless times with Chase.
Product: Credit reporting or other personal consumer reports

15 USC 1681b ( A ) ( 3 ) ( A ) Remove these hard inquiries from my credit report immediately. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX.
Product: Credit card or prepaid card

I purchased a washing machine from XXXX on XX/XX/2022 for {$860.00}. When the washing machine was delivered, it did not work and was displaying an error code that told me to call XXXX. XXXX sent out a technician from XXXX XXXX ( requested on XX/XX/XXXX ; tech came on XX/XX/2022 ). When the technician came, they determined that the entire motor of the washing machine, as well as the harness was broken. 

The technician said they would need to order parts and return to fix it. 
On the XXXX, XXXX called me to offer a refund and I said yes. I was supposed to receive an email and send a receipt ( which I did ) and then the refund would be processed, and they would contact me about getting the washer back. I sent the receipt/invoice to the email and confirmed I wanted to be refunded for the broken washing machine. 

I sent the invoice as requested on XX/XX/XXXX, but was never refunded. I anticipated this would happen given my terrible experiences with XXXX, I disputed the charge through Capital One on XX/XX/2022. Capital, one received a letter from XXXX, lying that the washer was not broken. 

Now Capital One has put the balance as owed back on my account even though they claim that the case has not resolved. They are now requiring me to pay the disputed balance. They have requested additional documentation from me, including a letter from a third-party business ; essentially forcing me to do the investigation for the dispute myself.
Product: Credit card or prepaid card

ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : ADVERSE ACTION DATED XX/XX/XXXX AND XX/XX/XXXX Recently, I, XXXX XXXX XXXX was denied an extension of credit by American Express XXXX On XX/XX/XXXX and XX/XX/XXXX, I applied for XXXX XXXX XXXX and The American Express XXXX XXXX XXXX XXXX for my business XXXX XXXX XXXX. I received an invitation to apply through U.S Mail. 

As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). American Express has violated my federally protected consumer rights : 1. 15 U.S Code 5 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter you sent me dated XX/XX/XXXX and XX/XX/XXXX is both a proof and evidence that I have been discriminated against, you are also criminally liable. American Express should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. Federal law supersedes any company policy you may have. This matter will also be reported to your regulator. 

Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. 

BEST, XXXX : XXXX  Without prejudice, all natural inalienable rights reserved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I sent a letter to Experian at XXXX XXXX XXXX XXXX, TX XXXX disputing a collection account listed as XXXX XXXX XXXX for the amount of {$1000.00} on my credit report. I also asked for Experian to send me proof that the debt is mine. I did not receive any proof and Experian stated that they validated the debt and it is mine. 

XX/XX/XXXX I sent another letter to Experian at XXXX XXXX XXXX XXXX, TX XXXX disputing a collection account listed as XXXX XXXX XXXX for the amount of {$1000.00} on my credit report. I also asked for Experian to send me proof that the debt is mine. I did not receive any proof and Experian stated that they validated the debt and it is mine. 

XX/XX/XXXX I sent another letter to Experian at XXXX XXXX XXXX XXXX, TX XXXX disputing a collection account listed as XXXX XXXX XXXX for the amount of {$1000.00} on my credit report. I also asked for Experian to send me proof that the debt is mine. I did not receive any proof and Experian stated that they validated the debt and it is mine. 

XX/XX/XXXX I sent another letter to Experian at XXXX XXXX XXXX XXXX, TX XXXX disputing a collection account listed as XXXX XXXX XXXX for the amount of {$1000.00} on my credit report. I also asked for Experian to send me proof that the debt is mine. I did not receive any proof and Experian stated that they validated the debt and it is mine. 

XX/XX/XXXX I sent another letter to Experian at XXXX XXXX XXXX XXXX, TX XXXX disputing a collection account listed as XXXX XXXX XXXX for the amount of {$1000.00} on my credit report. I also asked for Experian to send me proof that the debt is mine. I did not receive any proof and Experian stated that they validated the debt and it is mine. 



The account has not been removed from my credit report.
Product: Credit reporting or other personal consumer reports

I contacted Equifax to ask why I could not thaw/freeze my security freeze on their website. I have been told the problem is a technical one. I WANT TO BE ABLE TO THAW/FREEZE MY SECURITY FREEZE ON THEIR WEBSITE.
Product: Credit card or prepaid card

I closed this account around the XXXX of XXXX and they still have not closed the account and are still holding my security deposit and won't return it
Product: Debt collection

I am sending this letter on behalf of XXXX XXXX XXXX, my mother, who has been hospitalized with a severeXX/XX/XXXXXXXX for the past 2 weeks. She was recently released and recovering from home. She has an outstanding loan with your company and requested the XXXX forms. She also requested that the branch stop auto debits. Instead of sending said forms, your local branch attempted to coerce my mother to refinance the loan. Then today, they informed her that she would need to come in to get the XXXX forms. This is unacceptable and is tantamount to an unfair and deceptive practice. I will taking power of attorney over her affairs until such time as she recovers. I am certain that the media, the State 's Attorney General and the CFPB, would be interested in knowing that your employees are engaging in the types of unfair and deceptive trade practices ; that is impededing customers with serious health conditions from filing XXXX claims on their loans.
Product: Debt collection

I am put on collection and I do not know why I never took a loan from them. I dont know who they are. They are claiming theyre gon na send me my original loan documents, but I never received anything.
Product: Mortgage

Flagstar bank did not pay my home owners insurance from escrow account for 2014. The only way I found that out, having to file a claim on house damage. Instead of assisting to get the damage fixed, they assigned me forced insurance, and I have been denied from their insurance company, while I would have had it taken care of with my original insurance company. Now, no one will answer e-mail or phone calls and my house has XXXX of dollars in damage.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Mortgage

In XXXX of XXXX, the Homeowner applied for and received loan forbearance due to financial hardship caused by XXXX as provided by the XXXX CARES Act for the following time periods totaling 11 months : XX/XX/XXXX XX/XX/XXXX to XX/XX/XXXX XX/XX/XXXX to XX/XX/XXXX XX/XX/XXXX to XX/XX/XXXX On XX/XX/XXXX, the Homeowner received a letter from the Servicer stating that the COVID-19 forbearance period was ending. The letter directed the Homeowner to the Servicers website for up to date available options for mortgage forbearance. The options presented on the Servicers website in XX/XX/XXXX did not include a COVID-19 forbearance extension option as guaranteed by the 2021 CARES Act for government backed loans. The Servicers website provided the following as the list of all available mortgage assistance options : Modification, Payment Deferral, Repayment Plan, Short Sale, Deed-in-Lieu of Foreclosure. 

On XX/XX/XXXX the Homeowner telephoned the Servicer to discuss the COVID-19 forbearance. At that time, the Servicer informed the Homeowner that the forbearance was scheduled to end on XX/XX/XXXX. To receive the full 12 months of COVID-19 forbearance guaranteed under the XXXX CARES Act, the Homeowners COVID-19 forbearance should have ended on XX/XX/XXXX. In addition to reducing the duration of the existing COVID-19 forbearance by one month, the Servicer also did not make the Homeowner aware of the COVID-19 forbearance extension provided by the 2021 CARES Act as an option to address difficulty making payments in addition to the options presented on the Servicers website. Presented only with the options of Modification, Payment Deferral, Repayment Plan, Short Sale, Deed-in-Lieu of Foreclosure, the Homeowner agreed to resume responsibility for making mortgage payments as of XX/XX/XXXX. 

The impacts of XXXX have caused ongoing financial hardship for the Homeowner. Had the XXXX forbearance extension guaranteed by the 2021 CARES Act for government backed loans been presented as an option by the Servicer in XX/XX/XXXX, the Homeowner would have accepted. Had the Homeowner been given the benefit of the full 12 months of forbearance guaranteed by the 2020 CARES Act, the Homeowner would have had the benefit of one additional month of relief and an additional month to secure the benefit of the COVID-19 forbearance extension guaranteed by the 2021 CARES Act. 

Given the errors committed by the Servicer, the Homeowner is requesting that the XXXX forbearance be reinstated on the Account for the period starting XX/XX/XXXX and ending XX/XX/XXXX. This reflects an additional forbearance period of seven months, to include the month reduced from the initial 12 month forbearance period and the six month extension guaranteed by the CARES Act of 2021 for government backed mortgage loans.
Product: Credit reporting

Due to the fact that my situation is not properly available on this site as a choice to select above I have been violated by XXXX XXXX XXXX. Also, by Equifax Credit Reporting Agency and XXXX XXXX XXXX does n't have the rights to collect debt in the State of Texas? They are not abiding by the Law accordingly to the State of Texas and they was suppose to remove themselves from my credit report by sending a letter stating to the Credit Reporting Agencies that they need to be removed. Now that I have made XXXX aware of this they have not done an accurate investigation on XXXX XXXX XXXX. So, I called XXXX XXXX for the Secretary of State Texas Debt Collections Division and found out that XXXX XXXX XXXX is breaking : " Texas Finance Code section XXXX which prohibits a third-part or credit bureau from engaging in debt collection in Texas unless the third party debt collector has obtain a surety bond and file a copy of the bond with the Office of the Secretary of State. Also, you can not operate in the state of Texas with a XXXX '' I am in need of another Investigation to remove them from my credit report please.
Product: Credit reporting or other personal consumer reports

Bank Of America account number XXXX is a fraudulent account with total fraudulent charges up to a high balance of : {$4700.00}. Its now listed on my XXXX credit file as a paid charge off. Bank of America also commited tax fraud through the IRS by listing a charge off date of : XXXX. I challenged this with the IRS and won. Bank of America sent a letter which ill include in the CFPB complaint listing the actual charge off date as : XXXX. In addition, im a verified victim in the recent XXXX data breech. this fraudulent account must immediately be removed from my XXXX credit report.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, California XXXX. -EIN # XXXX, XXXX file # XXXX, XXXX index key number XXXX. 
Undersigned by XXXX - XXXX XXXX XXXX. 

XXXX XXXX of XXXX XXXX, is the actual location. 
Sales manager was made fully aware when I went in to get the XXXXXXXX XXXX XXXX XXXX What my name and number and information was, I explained in detail and gave them paperwork of proof and law and legal documents about security and consumer protection and rights, and the Truth in lending and truth in credit acts before I gave them my Social Security number. They gave me the full word and honor that they were not going to deny me at all and to relax while they get my car ready. XXXX minutes go by and they start giving me lies and fraudulent Car XXXX  talk as they are XXXX  and XXXX XXXX. I have proof and recording of the conversations. And the manager too was an XXXX  liar. This whole company is committed to a XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX sales manager, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXXXXXX, California.
Product: Credit card or prepaid card

I am a good customer, I pay my bill on time every month. The interest rate is over 17 %. This high rate is hindering my ability to pay down my bill. I called the company a few times to get the interest reduced just as I did today XXXX. Both customer service reps and the supervisor told me that everyone gets charged the same rate. This is a ridiculous amount. They are unwilling to help. I signed up with XXXX  for their card a few years ago and they moved the card to citibank. What a mistake, I will no longer use the card or shop at XXXX.
Product: Credit reporting

Experian continues to share my credit report improperly. I provided them with a copy of a police report showing identity theft. Furthermore, every time I try to submit documents to them online, they say I am not allowed. 
There area huge number of unauthorized inquiries from XXXX/XXXX/16 that need to be deleted from my report.
Product: Consumer Loan

My boyfriend received a call at work from XXXX XXXX XXXX XXXX asking for me. He asked who it was and they would not give him any information. They asked if I was there to talk and he said, " No. '' Then, they hung up. I searched out the phone number and found it was for a company called " Portfolio Recovery Associates, '' which is a collection agency. There are also several reports online about this company trying to scam people out of money by claiming that they have an unpaid debt owing. I am not aware of anything that I might be owing to or through this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX unauthorized and fraudulently placed an item on my report that does not belong to me. I do not know this company and have no knowledge of any debt owed to this company.
Product: Debt collection

In XXXX I was a victim of identity theft. XXXX XXXX XXXX in XXXX, CA sent medical bills amounting in over {$6900.00} into collections originally through Medicredit. This was done by a parent whose child was XXXX XXXX ( XXXX XXXX XXXX ) at an address Ive never lived before! The credit bureaus still refuse to remove this address after multiple attempts. 

I filed a police report with XXXX, ca police department and did an identity theft with the federal trade commission on XX/XX/. After completing this lengthy process this debt was removed from my credit. It seems that after Medicredit closed it they sold the debt to another collections agency XXXX XXXX. 

I disputed these accounts and the credit bureaus are refusing to remove it from my credit! So Im a victim of identity theft and these collections agencies can continue to sell these debts and put it on my credit again and again! I need help. 

Every time I call the creditors they arent able to find my information because its not ME. It happened with Medicredit and now financial.
Product: Credit reporting or other personal consumer reports

Under the Educational rights and privacy act of 1974, the financial company that i initially had dealings with has consistently reported information concerning this account to third parties... Also under 15USC1681
Product: Credit reporting, credit repair services, or other personal consumer reports

I am still being hit with a hard inquiry from XXXX XXXX  from XX/XX/2017 on XXXX   and Experian. XXXX had agreed to remove this as this was fraud. I never applied for anything from that and I am unaware why this is still on there. 

I am hoping this hard pull comes off as promised.
Product: Vehicle loan or lease

I paid off my loan with Bank of the west XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX THE COMPANY IS HOLDING SINCE XXXX XXXX {$2900.00} FROM MY CANCELLATON OF MY WARRENTY AGREEMENT. spoke to customer service six times and I get from them, they do not know where the money is, yet I hold the letter stating they have the money and to call them, but when I call they escalated three times and on XX/XX/2020 once again spoke with a supervisor XXXX XXXX XXXX  and even with the letter he says he does not see the letter, this must be some kind of joke. 
This bank takes advantage of XXXX individuals, it is horrible. If I did not pay them a loan payment I would be in court. This is unacceptable that that they can hold {$2900.00} of my money for no reason.
Product: Debt collection

XXXX representative contacted me from number XXXX. He advised I owed a debt that has already gone beyond a 7 year period and charged off. The company reached out to my private cell number without authorization.