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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, Better Business Bureau, and Federal Trade Commission. 
XXXX | XX/XX/XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 


Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The following creditors no longer own the accounts they are reporting, they have sold them. As per federal, state FCRA and FDCPA laws and terms and conditions, you must own an account to report to the repositories, ( XXXX XXXX, EQUIFAX, XXXX ). 
Therefore, you must delete these entries, to comply with the Law.

Please remove the following account for non-compliance : XXXX ) XXXX XXXX  : ACCOUNT # DOES NOT EXIST XXXX ) XXXX XXXX XXXX XXXX XXXX : ACCOUNT # DOES NOT EXIST XXXX ) XXXX XXXX XXXX XXXX XXXX : ACCOUNT # DOES NOT EXIST
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate and fraudulent accounts reported from my credit report. Contacted debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. Therefore, you are reporting misleading false accounts. The following accounts were XXXX XXXX - XXXXXXXX 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 was trying to get my home loan refinanced at the lower credit rates. The loan officer said my credit report shows my home was in forbearance from XXXXl-XX/XX/2020. I was never in forbearance and my payments were automatically coming out of my checking account the XXXX of every month. I never agreed to forbearance and all my payments were made on time. I checked with Bayview Loan which is now Community Loan Servicing and confirmed I never missed a payment. I never signed anything to that effect. 

The problem is that my credit report shows I had a XX/XX/XXXX balance every month and the bills were all paid on time from my checking account. However the " forbearance '' was never used or instituted and it is affecting my credit scores and is hindering my ability to obtain a loan until this is corrected on my report.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I found an advertising for merchandise on XXXX. I openned a conversation with the seller and they agreed to sell me merchandise which would help the local Texas police department. I had met someone recently who had seen advertising s that gave a whole story about how this police department was selling items to help support their officers. A day after I paid via XXXX to an odd sounding account, I received no further communication from the individual and lost {$1100.00} which Chase will only call the receiving bank ( who they wouldn't tell me who it was XXXX and said that it will take 10 days and likely nothing will happen or be returned to me. What a horrible system where we are lead to believe that XXXX on Chase is actually safe to use.
Product: Credit reporting or other personal consumer reports

The following items do not belong to me and are the result of identity theft and fraud that I did not authorize : XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Account Number : XXXX Account Number : XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer XXXX credit report. In accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), I formally request that you block and remove these fraudulent accounts, collections, and inquiries from my credit report. As specified under this provision, credit reporting agencies are required to block information resulting from identity theft upon receipt of appropriate proof. 

Please find the supporting documentation included, such as my identity theft report and proof of identity, to facilitate this process. I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries not attached to accounts on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been furnishing multiple accounts on my credit report that are unauthorized. I have disputed many of them several times and they have come back as validated and verified and I would like to know how what methods were used to do so. Regardless I have not given Equifax written or verbal permission to furnish these accounts on my consumer report. There are multiple addresses on my consumer report that I no longer associate with or live at and addresses still being listed on my consumer report is a privacy concern. There are also multiple unauthorized inquiries listed on my report.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX. I have a collection account on my credit report that does not nor has it ever belonged to me. I have tried to resolve this issue directly with all 3 of the major credit bureaus and the company. The account in question is a collection account for {$680.00} from XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX I sent the company a certified letter, of which I have enclosed the receipt from the USPS and my credit report as of XX/XX/XXXX. They never responded to my request. I have recently checked my Experian credit report and the same debt is reporting as a Collection account and a Closed Act account. I would like this account deleted permanently from my credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the following companies regarding these inquiries that I did not create on my own. Nor did I give anyone authority to create appeared on my credit report and I contacted them individually to have them removed and they have not been removed as of yet. 

TD AUTO FINANCE ( Finance ) XX/XX/2022 XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/2022 XXXX  XXXX XXXX XXXX XXXX Auto ) XX/XX/2022 XXXX  XXXX ( Bank ) XX/XX/XXXX. XXXX
Product: Credit card or prepaid card

XXXX XX/XX/21 I made a purchase from XXXX for {$150.00}. On XX/XX/21 I contacted as the item had not been received and was told it had been delivered previously. I informed XXXX that I had not received the items. XXXX made suggestions to ask my neighbors if one of them may have picked it up. That would not have happened and they would not turn the packet over. The next day I called again and once more I spoke with XXXX who was rude and disrespected me like a common thief- she said the only way to get credit is to sign an Affidavit- The form was sent while I was away- A series of phone calls were made to them denying receipt of the affidavit. XX/XX/21 I sent a 2nd copy and followed up with a string of phone calls- again, they had not received any of the XXXX copies. XX/XX/21, XXXX and XX/XX/21 XXXX said they did receive the document, but nothing could be done pass XX/XX/21. Not once during any of the phone conversations was I told there was a deadline. I contacted and filed a report with the Attorney General 's office and they intervened on my behalf trying to resolve the issue- to no avail. XXXX XXXX XXXX XXXX and Comenity Bank. The bill is now {$490.00} or thereabout with no resolution. I have copies of the correspondences with myself, the Attorney General Office, XXXX, XXXX XXXX, and Comenity BankXXXX They are stating that I am responsible for the item once it has been mailed ; how can I be held responsible for something that I did not get. Further, the affidavit did not state a deadline to return the form. Recent correspondence received indicated that they had indeed received the 1st copy which they stated was unsigned. Yet all the time they were denied receiving any documentation. It took 58 days from Maryland to get these 2 copies to Texas. Am I to believe that our USPS is so broken. I would appreciate some assistance in resolving this matter. By their own admission 105 days I find that very difficult to accept.
Product: Credit reporting, credit repair services, or other personal consumer reports

please remove fraudulent/ unauthorized closed account ( XXXX XXXX XXXX XXXX ) Opened XXXX XXXX off my report or provide proof in writing within 30 days
Product: Credit reporting or other personal consumer reports

I am writing to dispute an unauthorized credit inquiries that appears on my credit report dated [ XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. ] The inquiry was made by [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] without my consent or knowledge, which is a violation of the Fair Credit Reporting Act ( FCRA ) Section 604. According to my records, I did not initiate any transaction or authorize [ XXXX  ] to obtain my credit information. I request that the CFPB investigates this matter and ensures the immediate removal of the inquiry from my credit report. I have attached relevant documents that support my claim
Product: Credit reporting

Hi, I previously wrote the CFPB about my 30 day late with XXXX. CFPB saw the problem contacted XXXX and had the problem resolved. My issue now is that Equifax refuses to update my credit report. XXXX corrected the issue, so did XXXX, but Equifax will not correct my XXXX account. They said that they never received the electronic form for correction. Attached to this email is all of my supporting documentation including the documentation from XXXX and CFPB. Again, Equifax has not and will correct my account. Please see attached documents.
Product: Debt collection

contacted collection company on XX/XX/2021 to validate debt.. via XXXX never got a response. 
contacted collection company on XX/XX/2021 to validate debt via XXXX still no response.
Product: Credit card or prepaid card

Hi Had purchased an air ticket using by Citibank premeir thank you card. The flight was cancelled and i have been calling citi to issue me a refund of the ticket and they have not replied. Its over {$800.00} and i dont have resolultion.I have made several phone call to the citi help desk over 2 hours long. they always say they will give me a call back but they never do. its been over a year.
Product: Credit reporting, credit repair services, or other personal consumer reports

12 U.S.C. 1825 ( D ) The entity is not following principle.
Product: Debt collection

I ( and many people Ive known throughout my life ) got a call from a XXXX XXXX saying I had a pending claim that once filed will be public record and they will come to my home and workplace. They said I had the right to contact the filing party, at the provided number XXXX and I did. 

I asked them to mail me documents on the claim to the address they had on file and they said if I didnt sign for it it would be a refusal to cooperate. 

I asked them to stop calling other people and my place of employment and she refused stating they would continue to call everyday.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I have disputed and requested investigation through XXXX credit reporting Co about complaints of re-aging a negative and erroneous collection report from Portfolio Recovery A ( collection agency ). XXXX  and Portfolio Recovery A has not provided my consumer disclosure file under FCRA Section 609 ( a ) ( 1 ) and has not provided me with the date of first delinquency, nor the FCRA compliance date and the name of the party who reported the date of first delinquency ) The original creditor XXXX acct ending in XXXX is showing a balance of {$510.00}, which XXXX had reported first delinquency date before XX/XX/XXXX. However, ( Portfolio Recovery A ) continues re-aging an erroneous first delinquency date that should have been deleted from my XXXX credit report this year on XX/XX/XXXX. Portfolio Recovery A ( the collection agency ) has re-aged this account again and is showing that the original creditors ( XXXX ) date of first delinquency has been revised to XX/XX/XXXX, which is erroneous and harmful. I am requesting a deletion of this account immediately and am filing a formal complaint against Portfolio Recovery A and XXXX  credit reporting Co for illegal re-aging practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reportiSee the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.ng me as late.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is about Equifax. I recently pulled my credit report and noticed inquiries and accounts that were not mine. I made a disput on the accounts and iquiries but each and every time i get the run around. I hear well we verified it. I asked how did you verify the information? The response give was we send it to them electronically and they reply back either verified or not. That's it electronically? How are you able to ensure they are telling the trugh? Equifax s response " we take their word for it ''. Wow so anyone can lie and place fraudulent account on anybody 's credit report without actual proof just a word. And we wonder why we have so many issues with identity theft and fraudulent accounts. I made complaint after complaint and i get nothing I have inquiries on my credit report that were not mine. They said call the original creditor which i did. They said call the credit bureaus. So it's a back and forth game between both places. I understand the credit bureaus is here to make money of this kind of stuff but don't turn a blind eye and not investigate the issues just to keep a dollar!!!! 

And stop outsourcing your call centers to overseas where the poeple can barley speak any English and all they do is read a script off the computer screen. That does not help any at all. They are rude and hang up then you have to call back and wait in line all over again. And when asked to get transferred to an agent here in the US they just tell you they can't do that and hang up on you. One representative already said they can not do much over their they can only say what's on the screen. So what is the purpose of that then?
Product: Debt collection

I am writing to you once again regarding the persistent presence of charged off accounts on my credit report. Despite my repeated attempts to rectify this matter, it appears that no action has been taken by your company to address this issue. Frankly, I am beyond frustrated and deeply annoyed by your lack of response and inactionXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am a Victim of identity theft and this is my official complaint statement of crime. These reporting items are not mine and need to be removed and blocked from my report. I have filed an official complaint with the creditors. Other legal and government agencies have been notified under the XXXX and the fraud needs to be removed immediately, or further legal action against the credit bureaus. Many thanks for considering my request.
Product: Debt collection

Hello, Today, XX/XX/XXXX, I received a phone call from " ARA, Inc. '' telephone number XXXX. The guy on the phone stated that I owe XXXX XXXX Bank -XXXX card {$6400.00}, which was a total that included balance and interest. The guy also mentioned to settle the account " Right AWAY '' with him via phone for {$2400.00} and that he will waive all the interest and charges fee. I replied by saying " NO, I do n't owe anyone anything, and I do n't recall that information. '' He said that this account was open XX/XX/XXXX. 

After that, he put me on hold and transferred me to another guy named XXXX XXXX, he wanted to settle the case for {$1400.00} if I provide him with my credit card information otherwise they will take me to court and sue me for total amount {$6400.00} plus attorney fees which will be over {$10000.00} total. 

The guy I spoke to has ALL my information such as the last XXXX digits of my SS number and my wife 's information. He also has my bank name and how much credit I have with XXXX Credit Card. He was forcing me to give him the information otherwise tomorrow morning, they will charge my credit card for {$6400.00} because they have some legal rights to do this. He told me to " Think about it '' and that this " this {$1400.00} offer is just for TODAY only '' and he will call me later. 

I received a call later from a different telephone number, XXXX, XXXX, from XXXX XXXX XXXX. I told him to send me a paper statement with this issue and he hung up the phone. 

I spoke to one of your representatives, Bureau of Consumer Financial Protection, I told her about what had happened, she said this issue seems like a fraud case and this claim is too old due to the statute of limitation in XXXX is XXXX years and now I am living in XXXX and the statute of limitation is XXXX years, if they take you to court, go to court and show the judge the statute of limitation for XXXX states. She also mentioned to file a complaint with you, Bureau of Consumer Financial Protection. 

Please I request you to look into this matter as soon as possible. 
Thank you so much.
Product: Mortgage

I requesting an investigation into the forbearance programs which are now blocking consumers from modification of the terms of my mortgage to make it more affordable. 

I am currently on a forbearance plan with Quicken Loans and attempted to obtain detailed information about their loan modification at the end of forbearance program more specifically, how can consumers modify the existing loan add any outstanding balance to end of loan and refinance at today 's lower rate. 

I am currently at 3.50 % percent, todays APR is around 2.38 %, so I asked for the criteria, requirements, process to modified my current loan, adding any outstanding balance to back of the existing loan and modify at today 's lower rate. 

Quicken Loan refused to provide any verbal or written information, told me it would be two sperate processes, I would have to add any outstanding balance to tail end of existing loan and rate, then and only then would Quicken Loans discuss or tell consumers how to qualify, apply or obtain current lower interest rates, which this is clearly a money making opportunity for Quicken Loans at the consumer expense. 

Consumer who successfully resume making monthly payment should able to add the outstanding balance to existing loan and modify under new lower rates without any roadblock, added fees or requirements anything less would defeat the purpose of the laws passed to help consumers therefore, I asking you to act quickly and provide assistance and relief to consumers and allow modifications of loans at new lower rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

stop making excuses remove these inquiries off my credit report please!!
Product: Money transfer, virtual currency, or money service

I contacted a lady name XXXX XXXX about an XXXX she had for sale for {$300.00}. I sent her {$150.00} because she agreed to allow me to send that amount first, then when i get the phone, send her the remaing {$150.00}. This was all through XXXX XXXX on XXXX XXXX at XXXX XXXX. Her email account for zelle is XXXX, mines are XXXX. I just found out that recently my bank first convenience stopped using zelle after thier app update which is where the money was sent from. I am asking for a refund and to either arrest her or make sure she's not allowed some kind of way to create an account anymore.
Product: Checking or savings account

Chime declined my credits for transactions that were in authorized. They basically said we have to wait for the investigation to commence
Product: Credit reporting or other personal consumer reports

Re : Incorrect Addresses on My Credit Report Dear Sir/Madam, I am writing to request the removal of incorrect addresses listed on my address report. I have noticed the following addresses that do not belong to me and where I have never lived : 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 XXXXXXXXXXXX These addresses were associated with temporary stays at my friends ' homes and do not reflect my actual residence history. I request that you remove these addresses from my report to ensure its accuracy.