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

Hi my name is XXXX XXXX and im an victim of identity theft. I tried to handle this issue with credit bureaus but no help there .Someone applied for a credit card under my name and it shows on my credit report.Creditor sends a result of investigation as everything is accurate so im attaching the documents I sent to bureaus this account does not belong to me.Also another account that shows late but that late wasn't my fault and I notified the company too .I sent them my XXXX  positive test results that I was in XXXX and before that I sent my payment by mail and I don't know why they returned the mail I sent so it was not my fault to be late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I have some fraudulent items on my credit report that do not belong to me and I do not recognize, nor did I authorize them. Can you please delete and block the following information on my credit report. Transunion, XXXX and XXXX refuse to follow the rules set out by the FCRA and the CFPB. If they would investigate the accounts that are reporting on my credit they will that they don't belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have recently been informed again that there is negative information reported in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings. I challenge the accuracy, compliance and reportability of these listing on my credit reports. 
XXXX XXXX Reported : XX/XX/2019 {$140.00} There is no contract, no valid claims ... account was settled with original creditor ( XXXX ) and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to address some inconsistencies that I have identified in my personal credit report. These inaccuracies are having a significant impact on my financial standing, particularly in relation to my ability to own a home. While I understand that errors can occur, I have researched the dispute process and am aware of the required investigation time-frame of thirty days. The other bureaus have already removed this account from their records, following the submission of my FTC report citing the identification of an error. I am puzzled as to how this account was verified by your bureau while other bureaus have successfully removed them. Therefore, I request the immediate deletion of this account from my file as they are inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I refinanced my mortgage with the same company ( Freedom Mortgage ) on XX/XX/2020. I tried to file for an insurance claim on XX/XX/2020 when a hurricane came through here. Insurance told me that I had no home insurance. I contacted the company numerous times, but before I did I purchased a new policy on the spot. I got a letter from Freedom Mortgage about a month in a half stating that I didn't have any and they were going to purchase one. I advised them what had actually happened and they were going to look into it I never heard anything. In XXXX I get a call from XXXX XXXX, Sr. Loan Advisor about another refinance and I agree, the process was ongoing thru XXXX 2020 until the last working day and someone called me and told me at the last minute that they weren't going to be able to refi and I had to make a payment for XXXX, mind you the Pandemic and economic strain we are going through so I was late with XXXX, which they in turn reported me to the credit bureau and are sticking me with a bunch of charges and threatening to raise my monthly mortgage. I have called numerous time and spoke to Supervisors an nobody cares and refuse to help me. Last supervisor was XXXX # XXXX from Escorow. I spoke to another agent previous to that XXXX # XXXX, another XXXX # XXXX and other Supervisors I can't find there names now.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XXXX, XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- INSTALLMENT LOAN XXXX. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Mortgage

My loan was sold to Shellpoint Mortgaging earlier in 2018 and my escrow included property taxes and home owners insurance. However, now that my annual XXXX payment for home owners is due, Shellpoint " has no record '' of that money. They tell me I am responsible. I checked with my previous loan servicer and they were able to prove that they transferred the loan and escrow correctly ( it is included in my monthly mortgage payment ). They admit fault but are " trying to get to the bottom of where the mistake is ''. In the meantime of them trying to figure out how they XXXX  up, my insurance goes unpaid. So it doesn't get cancelled, I pay. So now, I'm double paying in order to be safe and cover myself. They still have yet to pay my insurance and I absolutely can not get through to them via customer service line ( it just rings and then hangs up ... only when I'm not being sent through a survey / sweepstakes for XXXX XXXX XXXX is that??! ). I am so angry that they " lost '' {$1200.00} and I'm not having to double pay. This is absolutely fraudulent activity and I've been dealing with this issues since XXXX!!!
Product: Credit card

To Whom It May Concern, I am writing to file a formal complaint against Citi for the unjustified closure of my Citi XXXX XXXX credit card account in XX/XX/XXXX. My account was closed by the bank, with the stated reason being " fraud activity '' due to " high spending '' within a single month. However, I believe this action was inappropriate and unjustified, as my spending activity was legitimate and aligned with the purpose of opening the card. 
The spending flagged as fraudulent occurred during a recent family trip, where I used the card as intended to cover various travel-related expenses, including accommodations, dining, and entertainment. I opened this card with the specific intent to use it for family expenses and expected that such usage would be within the banks acceptable range, especially given my established credit history. 
When I contacted Citi regarding this issue, I explained the nature of these charges, but I was still informed that the account closure was final. This action has been highly inconvenient and disruptive, as I have been left without access to the card that I expected to use during my travels. 
I am requesting the CFPB to investigate this matter and urge Citi to reconsider their decision. This experience has caused significant frustration, and I am concerned about the impact of this action on my credit score.

Thank you for your attention to this matter. I look forward to a resolution that reinstates my account, gives back my ThankYou points or at least provides a satisfactory explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Expirian is providing wrong information and this is affecting me seriously. I had contact the creditors and they assure that there is no negative information on may records. I need this to be removed from my record
Product: Credit card

On XX/XX/XXXX I was offered and accepted an XXXX XXXX credit card, through Commenity bank, and make a purchase of walking shoes for {$63.00}. 

My recollection is that the first statement I received was the XXXX statement, which closed XX/XX/XXXX. It showed a late fee. XXXX, I do see a XXXX statement, but I do not recall receiving it. That statement closed on XX/XX/XXXX, and I wonder if my purchase and account did not get to community in time for the mailing. 

What I do know for sure is that upon receiving the XXXX statement, with the late fee, I did pay that on XX/XX/XXXX. According to my bank records, Commenity did not post that to my account, via XXXX, until XX/XX/XXXX. XXXX was due on XX/XX/XXXX, so they posted another late fee. 

On XX/XX/XXXX I wrote Commenity requesting that they close my account, noted that I had received another bill that did not have the payment posted, but instead had another late fee. I asked them to remove the late fee. 

I did subsequently receive a letter stating that my account had been closed, but no mention was made of the late fee. So on XX/XX/XXXX I wrote another letter, including a copy of my check, and asked them again to refund the account. On XXXX, I received a letter denying my request. On XX/XX/XXXX I wrote yet another letter, and received a response on XX/XX/XXXX advising that I call as soon as possible so that we XXXX resolve your inquiry. On XX/XX/XXXX I did call, was advised that I should mail my checks at least 10 days prior to due date ; and that since my account was closed they couldnt do anything. 

My check was in fact sent more than 10 days prior to the due date, and yet didnt clear until 16 days after the due date. And even though I had disputed my account, they continued to assess additional late fees and minimum interest payments. To put an end to that cycle, I did go ahead and pay the additional late fees, then received yet another bill with a minimum interest charge of {$2.00}. So I paid that, knowing that if I didnt there would be yet another late fee. 

To date, I have paid {$170.00} for my XXXX purchase. I had heard complaints about Commenity before. Now I have experienced it first hand. This certainly seems to be a great example of predatory lending. 

By the way, if you check my credit rating you will see that I pay my bills on time.
Product: Vehicle loan or lease

Bought XXXX from XXXX  XX/XX/XXXX XXXX XXXX Financed with Honda Financial Corporation out of XXXX XXXX XXXX XXXX XXXX  Refinanced Loan XX/XX/XXXX with XXXX XXXX XXXX XXXX XXXX XXXX from previous Loan with Honda Financial XXXX for {$800.00} which we paid in cash was to be refunded. 
called the XXXX XXXX XXXX [ re : XXXX XXXX ] to confirm the entire amount would be refunded to me. 
XX/XX/XXXX XXXX  at the XXXX XXXX said the {$800.00} premium check XXXX XXXX was mailed to Honda Financial Corporation and cashed by Honda Financial XX/XX/XXXX. 
Honda Financial Corporation to date has kept the funds. They no longer answer the phone, letters, text or email. 
The dealership XXXX XXXX will not help as they have received their commission and it is no longer their issue I am told ONLY the Honda Financial Corporation in USA [ not XXXX the XXXX XXXX ] can help in this matter.
Product: Credit reporting or other personal consumer reports

I contacted Experian and requested a credit report. While looking over that credit report I noticed some Hard Inquiries. Some have permissible purpose, some do not. According to 15 USC 1681B if these do not have permissible purpose they shouldn't be on my credit report. Please remove the following Hard Inquiries listed on my credit report that do not have permissible purpose. 

- XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and am requesting that all accounts listed below be blocked and deleted from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These inquiries are a result of fraudulent activity, and I am seeking to have them removed as they were not initiated or authorized by me. 
The inquiries in question are : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have disputed fraudulent information on my credit report since 2021, and no information has been verified from the 3 credit bureaus. ( XXXX XXXX Transunion ) Unverified items were marked Verified. I have submitted over 50 disputes ( online and through mail ). And over 15 disputes on CFPB, and each time they stated that the items being disputed were verified when they never were verified. As demonstrated in CFPB lawsuits and reflected in my experience : 1. Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 Failure to ensure maximum possible accuracy in credit reporting ( Section 1681e ( b ) ).

Improper handling of disputes, including inadequate investigations and failure to correct or delete inaccurate information ( Section 1681i ).

Reinsertion of previously deleted items onto my credit report without providing proper notification ( Section 1681i ( a ) ( 5 ) ( B ) ).

Reporting unverifiable items as verified without proper substantiation.

2. Consumer Financial Protection Act ( CFPA ) - 12 U.S.C. 5536 Engaging in unfair, deceptive, or abusive acts or practices ( UDAAP ), as highlighted by the CFPB lawsuits.

3. State Consumer Protection Laws [ Add any relevant state-specific laws, if applicable. ]
Product: Credit card or prepaid card

I requested JP Morgan chase to close my account multiple times. I have been told the account was closed, and it has not. I submitted a written request by mail to ask that my account be closed. The written request was not acknowledged. I would like my account to be closed.
Product: Debt collection

On XX/XX/XXXX, I received a letter in the mail from Online Information Services- a debt collection agency. There were two notices stating I owed {$620.00} for a utility bill from XX/XX/XXXX at XXXX XXXX XXXX XXXX in XXXX, TX and another for {$820.00} for a utility bill from XX/XX/XXXX at XXXX XXXX XXXX XXXX in XXXX, TX. Both utilities were from XXXX XXXX. 

I called Online Information Services to inquire because I had no clue what this was for. They said these accounts were both in my name and that the debt was owed. I have no idea what on earth this is about. I have never rented or owned property in XXXX, TX nor have I ever established any services with XXXX XXXX. The representative at Online Information Services said I would need to log onto the ftc.gov site to dispute the claims in order to have them resolved.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i never consented to authorize nor benefited from the following Accounts and Inquires, Block and delete them. If i have received goods and services from the furnished Inquires, Let Equifax have one of their senior executive certify under the penalty of perjury that i did received good and service from those transactions.
Product: Payday loan, title loan, or personal loan

We are a 100 % XXXX  owned XXXX XXXX. We had to wait until other XXXX businesses got a loan due to us having a account with us bank. When it was time to apply we were told we would receive a response within 3 days and did not. When we did we got another response that said 10 days. It has now been 14 days and we still have not received a reply from us bank.
Product: Debt collection

XXXX Radius Global Solutions has an collections account reporting on my credit in the amount of {$270.00} for an account i did not authorize or initiate. 
the account was opened XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a hard credit inquiry for a mortgage loan. I am in the middle of XXXX XXXXXXXX bankruptcy. I have not applied for a single loan or a credit card since 2018.
Product: Debt collection

bankruptcy case.after the case was thrown out. Port folio recovery assoc. were told not to call again. they for some reason got off my credit report. now they r back at it. calling different times and from different numbers .now are calling my alpine airconditioning work phone. they have been told to stop, and keep chasing the ambulance. a bunch of ambulance chasers is what i call them. the company that had the debt wrote it off on insurance and these chasers must have bought the debt. so they r pestering me again. this has been going on since the XXXX  closure of the case.
Product: Payday loan, title loan, personal loan, or advance loan

Same thing interest is way to high manager went down a little bit still high payments cant afford 
Need a better option
Product: Student loan

Account Number : XXXX Mohela/Department of Education, I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : 90 days past due as of XX/XX/2014, 120 past due as of XX/XX/2014 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.
Product: Credit reporting or other personal consumer reports

I am listing 3 inquiries Fraudulent from my Transunion Credit Report. XXXX XXXX XX/XX/XXXX. XXXX  XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. Listed inquiries do not belong to me and must be removed from my Transunion Credit Report. I had a call with the company and the credit reporting agency advised me to file an identity theft report for deletion. I am requesting Transunion to mark these inquiries fraudulent and remove from my Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On, XX/XX/2018 I sent a letter disputing an account for Santandar Consumer USA in  regards to the amount being reported incorrectly for one report as {$33000.00} & another {$36000.00}, as well as being charged off/collections. During this time Santander failed to report my account was being reported, the letter was mailed on the XXXX of XXXX certified, signed for on the XXXX of XXXX, and a response was sent and received on XXXX2018. I pulled all 3 credit reports for the next 60 days and a dispute was never recorded on my account. Per the FCRA & FDCPA a notice of dispute is to placed on any account disputed within 31days and Santandar Consumer USA violated these federal laws. No response was ever received after sending the letter requesting for this item to be removed due to these conditions.
Product: Credit reporting or other personal consumer reports

This issue is been going on for some time, In two previous occasions I have ask Experian to stop charging me for services I didn't request or authorized. In XX/XX/2023 I called them and asked them to stop charging me and returned my money. They never did. At that time they were charging me {$14.00} for a period of XXXX month. They did not charge me on XX/XX/2023 but starting charging in XX/XX/2023 this time they charged me {$24.00}. 
I believe they are targeting older folks like my self, I am XXXX years old. It should be stop. I don't need to have a subscription I had one years ago and I learned that there are no benefits what so ever. They are an institution that does their job by reporting whether you have subscriber or not.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The XXXX Credit Bureaus have failed to comply with air Credit Reporting Act, 15 USC Section 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditors, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information. REMOVE THIS CHARGE OFF and COLLECTION ACCOUNT COMPLETELY FROM MY CREDIOT REPORT. Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Someone used my information to rent or lease and apartment and it went to my collections on my credit