23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My husband told Carrington Mortgage that he had my permission to pull my credit for a joint VA mortgage loan. refinance. This was. NOT true, I was totally unaware of what my husband was attempting to do with the mortgage company. He had reached out to them about a refinance in order to qualify for some type of XXXX relief. 

I noticed that I had XXXX hard pulls on my credit from XX/XX/XXXX and XX/XX/XXXX. Once I investigated where it came from, I discovered that it came from XXXX Mortgage. 

On XX/XX/XXXX I reached out to XXXX Mortgage to request that they remove the hard pulls from my credit report because they did not have my permission to pull my credit. They asked me to send the request in writing. On the same day of the call to Carrington, I faxed a written request to them as requested. 

On XX/XX/XXXX, I received a letter from Carrington Mortgage stating that they would not be able to honor my request because they did have permission from my husband XXXX XXXX to pull my report. 

After investigating the law regarding consumer credit monitoring, I found several online references that state that it is illegal to have a spouse or a business to a spouse 's credit without permission. Please assist in the resolution of this complaint. My credit has suffered tremendously due to these unauthorized actions and credit pulls.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with 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 15 U.S.C 1681 section 602 A states : I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) 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. 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accuracy. 
I've tried to resolve this account with the reporting agencies but they have been driving me in circles.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the following unauthorized hard inquiries appearing on my credit report : XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX, XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX. According to the Fair Credit Reporting Act ( FCRA ), Section 604, hard inquiries can only be listed on a consumers credit report when authorized by the consumer or initiated as part of a permissible credit transaction. I have no recollection of authorizing these entities to perform hard inquiries into my credit file. 
Under the FCRA, unauthorized inquiries constitute a violation of my consumer rights. As such, I am requesting immediate removal of these inquiries from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX ENHANCED RECOVERY COMPANY XXXX XXXX XXXX XXXX XXXX FL XXXX ( 15 U.S.C 6801 ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

I must be told if information of mine is going to be shared with non-affiliated parties and I was not. I want you to delete any information of mine you are reporting to any non-affiliated parties. I was not given a explanation on how I the consumer can exercise the non-disclosure option. Without this information provided to me you are in direct violation of the Law. I am requesting any information of mine you are reporting to STOP and be deleted ASAP. 

( 15 U.S.C 6802 B1A ) Such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; Which I XXXX XXXX XXXX ; do not believe you did and now I am requesting you delete any information you are reporting of mine. I was not given a explanation on how I the consumer can exercise the non-disclosure option. Without this information provided to me you are in direct violation of the Law. I am requesting any information of mine you are reporting to STOP and be deleted ASAP.
Product: Debt collection

A company named NMRC has been calling my phone constantly over the past few weeks. The person named was supposedly XXXX XXXX. This person called my family as well as friends. I answered today and was told that XXXX is attempting to collect a debt on behalf of XXXX XXXX XXXX regarding a payday loan that took out some months ago. They had the last 4 digits of my social, the correct amount I owe XXXX XXXX XXXX, as well as my address. I gave partial of my card information for a scheduled payment to be taken out. Afterwards I called XXXX XXXX XXXX and a customer representative stated that XXXX  does not do business with XXXX and they only collect payments at XXXX.
Product: Debt collection

I paid {$1500.00} but I only owed {$1300.00}. I called the original creditor to tell them that I overpaid ; they informed me that the debt had been sold and to contact Frontline Asset Strategies about a refund. I was given the name and number for XXXX XXXX XXXX XXXX XXXX XXXX XXXX. After numerous calls and messages, XXXX XXXX will not return my calls and this company is not doing anything to refund me my overpaid balance.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX Phone : XXXX Email : XXXX Social Security Number : XXXX XX/XX/XXXX Experian XXXX XXXX XXXX, XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX PA XXXX Request for Removal of Fraudulent Late Payment Due to Identity Theft, Charge off Please Remove Late Payment Accounts Below XXXX - XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, IN XXXX XXXX Open date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX Open date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX Open date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX Open date : XX/XX/XXXX Dear, XXXX, XXXX, Experian I am writing to formally dispute a late payment that has been inaccurately reported on my credit file due to identity theft. The late payment in question is associated with the account. 

I did not authorize the use of my personal information for this account, and I have taken steps to report this identity theft to the necessary authorities. Enclosed, you will find a copy of my police report, FTC Identity Theft Report, and any other documentation to support my claim of identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate deletion of this fraudulent late payment from my credit report. This late payment has negatively impacted my credit, and I trust that your investigation will confirm that this was not a transaction I made or authorized. According to 15USC CODE 1681 15 U.S. Code 1666 ( b ) 15 U.S. Code 1637 ( a ). 

Please confirm in writing that this item has been removed from my credit report. Should you require any further information, feel free to contact me at the phone number or email provided above. 

Thank you for your time and prompt attention to this matter. 

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

These account are not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Hello, I had a very small fraud claim on my credit card at the end of XXXX, for which I was also travelling to XXXX back and forth. I called Bank Of America to report the fraud charge. 

I simply awaited till they fixed the charge before I paid my balance ( this was a small {$100.00} charge as I usually have XXXX bill per month which I had perfect payment record of ) They subsequently closed my account due to non payment, which I was waiting for fraud department to clear before I made payment. 

I called them and told them the situation, after much deliberation they reactivated my credit card because they realized I pay all my bills on time, with very high limits. This was simply a clerical minor error and was due to their mistake, which is why they reactivated a closed credit card. 

After this was clear, on XX/XX/XXXX they re-closed my account. I was very confused so I called them back. They said they did an annual review, and there was too many account closures which why they closed this account. This account closure was due to previous months back mistake that happened! With this my account was closed, and I lost all my XXXX reward points I worked very hard to get! I think they did this on purposely to save themselves from me redeeming the points. 

There was a recent lawsuit againt BOA from rewards malpractice, and I seemed to fall into this mix. Please help as I want my EARNED rewards back! I shifted my 7 figure business account out of BOA for that very reason. 

Attached below are documents proving their account closure mistake, and then subsequently the re-closing again two months later due to " annual review ''
Product: Credit reporting or other personal consumer reports

I was shocked this morning when I saw incorrect accounts on my credit report. I cant understand how this could have happened. I check my credit report regularly, and everything was fine until nowsuddenly there are discrepancies out of nowhere. I even tried refreshing my browser, hoping it was just a mistake, but nothing changed. XXXX urging for the documents Ive submitted to be thoroughly checked so I dont have to deal with this kind of stress ever again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Transunion and XXXX are required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range.

Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and delete it immediately in my report : XXXX XXXX XXXX Open Date XX/XX/2021 Balance : {$0.00}
Product: Debt collection

Hello, I switched phone carriers back in XXXX  from XXXX to XXXX XXXX XXXX. I paid my phone off and made the switch. I am now seeing on my credit report a balance owed to them of {$5100.00}. I have tried to reach out to the company and have not been able to make contact with anyone and dispute it directly with them. I don't understand why or how a phone carrier could charge this much for leaving their company.
Product: Debt collection

On XX/XX/XXXX I sent a letter of validation to online information services to verify a medical debt that they stated I owed in the amount of XXXX they replied with a copy of the charges that was billed they did not show proof that i was the one that authorized that charges and did not show anything with my signature on it
Product: Credit reporting, credit repair services, or other personal consumer reports

I am being charged fees for things i have no reason of being charged with that caused my credit score to drop to a real low rate
Product: Credit card or prepaid card

Capital One sent a copy of my bill and bill notice to my daughter.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.I demand the following accounts be verified or removed immediately : Account Name : PXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Reason : Unverified account Also, please remove all non-account holding
Product: Credit card or prepaid card

My sister was diagnose with XXXX XXXX XXXX in XX/XX/2013. My signed over power of attorney to me. I contacted Citi Financial Mortgage company and requested a loan modification. They strung me along to 10 months or so. At the end of the process they claimed I fail send a document. I sent proof that the document was sent as requested. By stringing me along they were able to steal almost all of my equity in late fee etc.

We estimate that we lost over $ 40k in being manipulated by Citi Financial. We used our funds and credit to tie up my sister affairs thinking we were going get our equity. Now the same creditor is threatening filing a suit against me. They are the very reason I was not able to pay the credit card off because they manipulated me out of fund in the equity process. This is company is responsible for ruining millions credit rating by extending a certain line of credit only to reduce it later for credit score trapping.
Product: Checking or savings account

Several mediation requests were mailed in to Wells Fargo, a total of four packets received, three filled out and sent in requesting a refund in the amount of {$610.00} in overdraft fees. The fees in question are a result of high pressure sales tactics by Wells Fargo reps to open accounts I did not need, with the presumption they were to be used for bill pay. A settlement amount was offered, agreed upon, no payment received. The amount, {$3700.00} was offered by an XXXX XXXX with Wells Fargo after speaking on the phone. Since no payment was received, additional CFPB complaints were filed requesting a refund of {$610.00}, this amount was shown on statements received showing a total of {$870.00} in overdraft fees ... Small refund amounts of {$85.00}, {$50.00}, {$120.00} were received prior and are reflected in my claim for {$610.00}. Most recently, a denial letter was received from mediation, citing a settlement check was cashed when it was not received by myself..When the settlement was accepted, I requested a hard copy of it from XXXX, she said she could do not do that.. I believe Wells Fargo is trying to hide their shady practices which respect to opening accounts to boost profits and charge fees to those accounts by offering a fake settlement as they would not put it in writing and have denied payment.. I am back to requesting a refund of overdraft fees which I total in the amount of {$610.00}, since no payment was received. This information will be sent along to attorneys investigating Wells Fargo as well as other financial institutions for their practice of charging overdraft fees. In closing, please advise Wells Fargo I will post my experience on several consumer rating sites to expose their shady tactics
Product: Credit reporting, credit repair services, or other personal consumer reports

Student loans are showing incorrect status. Status was supposed to update to show a positive status per telecon with FedLoan.
Product: Credit reporting, credit repair services, or other personal consumer reports

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX XXXX Account Number XXXX XXXX Please remove it from my credit report. 
Contacted Creditor/Agency 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. 
Account Number : XXXX Please remove it from my credit report. 
Contacted Creditor/Agency 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. 
Account Number : XXXX Please remove it from my credit report. 
Contacted Creditor/Agency 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.

Account Number : XXXX Please remove it from my credit report. 
Contacted Creditor/Agency 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.

Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

Kindly block and remove the unauthorized accounts from my credit report as soon as possible. I did not open or authorize these accounts and have no knowledge of their origins. Under USC 1681g, I am requesting their removal within XXXX days. Attached are the relevant documents for your review.
Product: Credit reporting, credit repair services, or other personal consumer reports

Not reporting correct amount -- -> XXXX I have disputed this matter with all three credit bureaus as well as credit card company, XXXX XXXX I disputed a charge on my credit card after not receiving the product. And XXXX removed the charge and then later reapplied the charge without notifying me why the charge was reapplied after I did not receive the product. XXXX did not respond to any of my inquiries sent via certified mail. And then began reporting the incorrect amount to the credit bureaus. I disputed with all three credit bureaus. After the second attempt, XXXX  investigated and was able to determine that the amount being reported is incorrect and/or could not be verified and therefore removed the account from my report. I have disputed with both XXXX and Equifax and the investigation process is insufficient. I have provided supporting documentation of the letters sent and never got a response from XXXX. The last response I received from XXXX was in XX/XX/2016, when they put to monies back on my card after removing it. I never received any other correspondence from the company after several attempts to reach out and see why the monies was put back on my account without notice and/or I still never received the product that was promised from the vendor. This account is now closed, " charged off '' due to dispute never being acknowledged. I refuse to pay amount and interest for items I did not purchase. I need this account removed for reporting incorrect balance to credit bureaus and not acknowledging my disputes with company. This has been going on for over 3 years. 

Equifax XXXX XXXX, XXXX / XXXX. XXXX XXXX / XXXX, GA XXXX XXXX  / XXXX. XXXX XXXX / XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

my identity was stolen. My personal information, my cedit cards have several unauthorized charges, i have so many late reporting 's trying to fix this, there's charged off accounts that's not mines, address thats not mies and mych more- I was involved in multiple data breeches of : XXXX, XXXX XXXX XXXX XXXX and another I cant remember. I have received letters to place fraud alerts on all my reports which I will be doing asap. FTC filed -case # XXXX. I have letters from those companies mentioned. Seems ths has been going on since XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Remove Inaccurate Credit Information When I received a copy of my credit report and found the following items to be in error below 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2021 Current Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3. The following information is outdated. I would like it removed from my credit history report XXXX XXXX XXXX Account Number : XXXX