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

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX MN XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit card or prepaid card

On XX/XX/XXXX I ordered merchandise on my XXXX XXXX   credit card for {$240.00}. I have recently moved and changed my address on this account, but my old address came up as the default address and the merchandise was sent to my old address. 
Once I realized ( within 2 days ) that the package had been delivered to the wrong address, I notified XXXX, but they claim that I am still responsible for the full amount of the purchase even though I did not receive it. 
As soon as I discovered the mistake, I went to my old address to check on the package. It was not there, the apartment is vacant and my old neighbors did not see a package. 
I have been corresponding with XXXX since then, only to have them consistantly tell me that they will not refund my money and expect me to pay the full amount. 
I did make a payment today of {$60.00}, which now includes a late payment, but do not believe that I should be responsible for merchandise I did not receive.
Product: Credit reporting or other personal consumer reports

Review the accounts listed below on the report and be sure to erase the incorrect accounts and items listed on my account. Those accounts and items were not made by me.
Product: Debt collection

Netcredit Loan now held by XXXX XXXX XXXX. Opened XXXX. 

Ive easily paid 2x the amount borrowed, and they still want more, even in XXXX. 

The debt has been passed around from one entity to another ( all owned by the same group ). 

The CFPB alleges that XXXX, XXXX, and XXXX violated the Consumer Financial Protection Act ( CFPA ) and the Fair Debt Collection Practices Act ( FDCPA ) by purchasing defaulted consumer debt and then placing that debt with, or selling that debt to, debt collection companies that used threats and misrepresentations to coerce payments from consumers Consumer Fin. Prot. Bureau v. XXXX, No. 22-CV-29-LJV ( XX/XX/XXXX. XX/XX/XXXX. 

I have been called by agents representing this company demanding money or face an arrest ( claiming they would send the sheriff to get me ). 

Family and extended family have been called and have been given case numbers and deadlines in which I would need to respond.
Product: Debt collection

I have an account in collections on my credit report. Original credit was XXXX XXXX XXXX who turned it to collections thru Midland Funding. I never satisfied the debt and when I first called, possibly XXXX of 2020 ( not sure on exact date ) Midland Funding directed me to call XXXX XXXX XXXX XXXX XXXX and provided me their number. When I called in, the person on the phone told me my account was new and was locked, whatever that means. So I left my contact info hoping they would contact me. When I did not get a call, letter or email, I called back and was told the same thing. The lady on the phone understood my frustration but would not share a single detail of my account, answer any questions about why it was still locked and said I cant even pay on it. Yet again, still no contact from this law office that is supposedly in control of a debt on my credit report which is severely hurting my ability to get a simple loan or credit card. It is the only account in collections I have and they will not give me any options to move forward. I even submitted a settlement offer on their website hoping it would get things going but still ZERO contact from them. It is wrong for them to be able to negatively affect my credit report without ever sending me documentation as requested, not providing me any information, and failing to communicate with me. I was willing to pay but now I just want this removed from my credit report since they cant verify it or even unlock my file so I could pay on it.
Product: Credit card or prepaid card

Back in XXXX the XXXX of Last year 2022, I was in XXXX, XXXX by XXXX XXXX XXXX XXXX, With Soccer Team From state of California. I did not have a reservation my self but share a room with other friends. One of my Friend asked for help to pay For The Room and they needed {$1000.00} which I will get back from them after they collect that amount from the team members, So I went a head and made that Payment from my Credit card Citi Visa Credit Card. then I had left the XXXX Early morning of the XXXX of XX/XX/2022 around XXXX XXXX  in the Morning of Monday going back home to XXXX Arizona, after about 45 days I discovered there are unknown charges to my account one on the XXXX of XXXX of {$6000.00} and XXXX on the XXXX of XXXX So the total Unauthorized Charge is {$6000.00} which I did explain to Citi bank about the whole story, The credit card company Gave me a credit For that A mount For about a month and reverse it back, and ask me to deal with Hotel my self
Product: Credit card or prepaid card

I opened an account in Bank of America in XXXX, and I deposited XXXX dollars in it. Because of the epidemic, I have not used this money.I didnt make any transactionbut someone transferred my money away on XXXX XXXX The bank did not notify me. I found this problem on XX/XX/XXXX, so I contacted customer service, but The customer service only gave me the transaction record and gave me the phone number, but the phone couldn't get through. When I called, the ring rang and it was disconnected. I tried to find the customer service many times. I was helpless. Now I have no job, no income
Product: Credit reporting or other personal consumer reports

This letter consummates my lawful and rightful consumer declaring of recent and currently discovered item ( s ) with potential misinformation not certifiably compliant in reporting and or elsewise appears likely deficient in its reporting status as reported when reported. Additionally, this notice represents my consumer rightful demand for adequate investigation/reinvestigation into every aspect of any delinquency and or derogatory data accused of me to adequacy of lawful reporting! I understand that the reporting industry has deliberately put together a mandatorily utilized STANDARD for better ensuring certifiably compliant reporting practices, processes, and procedures are adhered to so that a maximum possible accuracy and completion is believable minus any deviations or diversions from the established and expected reporting of consumer data and acceptance of reported data by a receiving repository! I am writing you with this formal protest and a demand for adequate movement on your part. You are non-compliantly reporting improperly to the and XXXX and damaging my credit. You are surely with infringement of the FCRA aka the Fair Credit Reporting Act. The dishonorable behavior ( s ) might well be subject to fines and damages. I am providing you but this one last chance for rectifying of this reported item. Previously, I had sent you a letter advising you that you were incorrectly reporting. Additionally in that request I in fact did assert your necessary requisite ( s ) to ensure only compliant information is retained on my file. Due to Delete now or update appropriately as indicated so to not report any derogatory allegation ( s ) versus me each any and all negative aspects of the reprehensible claims following : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-related accounts-your now obvious continued misreporting ( s ) albeit any all or each unfair and or surely unethically non-compliantly reported in that it seems that my mailed notice was disappointingly neglected.
Product: Debt collection

Fraudulent reporting to all three credit bureaus of medical collection company that is not my debt in the amount of {$1900.00} reporting from ASSETCARE LLC.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX  # XXXX XXXX  Bankruptcy, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several requests that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I informed XXXX that I would like to do a Deed-in Lieu ( DIL ) & be released from the mortgage. I was previously in a forbearance plan & each representative I spoke with advised me to wait until the end of the forbearance to start any other process, such as a modification, etc. At near the end of the forbearance period I received a call from XXXX XXXX XXXX XXXX. I informed them of my desire to leave the property via a DIL. The rep advised that other steps had to be taken before a Short Sale or DIL could be entertained. The rep advised to start with a modification request. I asked what paperwork is needed for the modification and the rep told me that no paperwork is required since I have an XXXX loan, just call and give my income & expenses to start the process. My forbearance expired on XX/XX/24, so I called XXXX around XX/XX/24 to get the modification process started. The rep advised that I would need to fill out a modification form. I advised her that the previous rep said no form was needed for XXXX loans. The 2nd rep reviewed the notes & XXXX guidelines and agreed that no form was needed. She took my numbers & submitted the request. I called back on XX/XX/24 to make she XXXX had everything needed to process the modification. The rep again said I needed to fill out a form. I again advised that I was told a form was not needed. The rep said that the form is need because I was requesting a DIL to leave the property. I inquired as to why DIL paperwork is needed when we are not at that step yet. The rep insisted that the DIL paperwork was needed for the modification request, along with a letter explaining my hardship. I received the paperwork by email that same day. However, the form states " No documentation required '' for XXXX loans. I am submitting this formal complaint because I have not received any official response to my modification request. All contact has been me calling XXXX & receiving conflicting information. I would like to know if I am in the loan modification process or the DIL process. Depending on which process I am in, please advise if XXXX needs any info from me so that we can expedite the process.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because I have identified an unauthorized hard inquiry on my Equifax credit report. Specifically, a hard inquiry was made by XXXXXXXX XXXX XXXXXXXX XXXX XXXX on XX/XX/year>. I did not provide consent for this inquiry, nor did I apply for credit or financial services from this company during the relevant period. 

I have previously contacted Equifax to dispute this unauthorized inquiry, and they responded by stating that " inquiries are a factual record of file access and will remain on the Equifax credit file per two years. '' This does not address my dispute. Under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ), hard inquiries can only be conducted with explicit consumer consent, which was not given in this case. 

This unauthorized access to my credit information is negatively affecting my credit score, which could impact my ability to obtain credit in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account Audi Financial account number XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy. 

15 U.S.C. 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instruction.

15 U.S.C. 1666 B. A creditor may not treat a payment on a car loan account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY name is XXXX XXXX XXXX Someone have fraudulently have try to buy home and they, have have applied for credit and this company XXXX  put 3 negative negative inquiry in my credit report like you see bellow i contacted XXXX  and they have not remove them from my credit report i try calling them and they did the removal care in proceeding in he removal here is my Confirmation # :XXXX with XXXX XXXX  Credit Report for XXXX XXXX XXXX  Name of Company Date of Inquiry XXXX XXXX XXXX : :XXXX XXXX XXXX Details XX/XX/XXXX XXXX : :XXXX XXXX   XXXX Show Details XX/XX/XXXX, XX/XX/XXXX XXXX XXXX   : :XXXX XXXX Show Details XX/XX/XXXX Please have this company remove this fraudulent negative bad review from my credit.

AND THE SAME HERE WITH TransUnion  MY name is XXXX XXXX Someone have fraudulently have try to buy home and they, have have applied for credit and this company TransUnion put 2 negative negative inquiry in my credit report like you see bellow i contacted TransUnion and they have not remove them from my credit report i try calling them and they did the removal care in proceeding in he removal XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX Please have this company remove this fraudulent negative bad review from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account ending XXXX ( settled with XXXX- BOA agent ) and account should show XXXX balance and close status should be CLOSED and not charged off since it is paid/settled. XXXX settlement letter is attached here with .... 

XXXX XXXX XXXX XXXX XXXX Office Hours ( Eastern Time ) : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX  XXXX XXXX XXXXXXXX CA XXXX Creditor : Bank of America, N.A. Account Number : XXXX Reference # : XXXX Balance : {$33000.00} XXXX XXXX XXXX , Please accept this letter as confirmation of the agreement reached on XXXX with XXXX XXXX . We can resolve your account in the amount of {$22000.00} which must be received on or before XX/XX/18. Failure to comply with these proposed conditions will make this offer null and void and the full balance minus any payments that have been made to the account will be due. We are not obligated to renew this offer. There may be  tax consequences as a result of a settlement. Please consult a tax professional if you have questions or want advice about any potential tax consequences. We offer an on-line correspondence service that will reduce paper consumption and may improve your customer experience. Please visit XXXX to access your account information or make payment ( s ) on-line. You may also mail payment ( s ) to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Calls to or from this company may be monitored or recorded. Interest and/or fees will not accrue on your account. This is a communication from a debt collector. This is an attempt to collect a debt. Any information obtained will be used for that purpose. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PH:XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX placed an alleged debt collection onto my consumer report without sending proper notice to dispute before it was added. Since Transunion, XXXX, and XXXX are required to furnish accurate information they were also required to send out a notice for me to opt out or verify this information.
Product: Credit reporting

Yesterday I received in the U.S. mail my annual " FREE '' credit report from " Equifax. '' On " Page XXXX of XXXX, '' under the " A Request For Your Credit History '' column it states that some unknown company named : " XXXX ; XXXX XXXX XXXX ; XXXX, MD ; XXXX ; Phone ( XXXX ) XXXX '' made an unlawful access to my " Equifax '' credit file on " XXXX/XXXX/2016 '' which is unlawfully noted on my " Equifax '' credit file. I have NOT applied for a credit card, etc. in over 3 years. This is NOT mine. I am a victim of Identity Theft.
Product: Mortgage

I closed on this home on XX/XX/2019. The mortgage originator was XXXX. I had agreed and they had agreed that I would be sending weekly payments. Shortly after and just before my first payment was due they sold the loan to a company named Amerihome. Amira home claims that they either gave them the wrong address to send paperwork to or they sent it to one of my old addresses they are not telling me which one but they dont except weekly payments several weeks ago by before I found this out because they sent a document to yet another address I had but not the one that they had the mortgage loan because theyre plain XXXX   of course and it has been a freaking nightmare getting all of this sorted out ever cents and it is still not sorted out. I was told the only way to get away from them is to refinance if I do that I am going to be filing a lawsuit against the company and theyre going to be paying way more than the closing costs are even offered for them to buy this whole place out for what I have in it and they can sell it to whoever before they get their XXXX sued I dont wish to harm attorney but if I have to I will this is the worst treatment of the mortgage that Ive ever seen in my entire life I was ahead of the game and they were sending me checks back in different forms one through my bank and one paper check theyre not even consistent with that and then when you call on the phone you cant get any answers. Im done trying to get it sorted, I need some sort of intervention.
Product: Debt collection

I was unaware of this debt and did not have the opportunity to dispute it. Never received and notification of debt. Please remove ASAP and I'm not familiar with these accounts : XXXX XXXX XXXX XXXX # XXXX # XXXX XXXX XXXX XXXX # XXXX # XXXX
Product: Debt collection

I asked to be removed from their call list and the girl hung up on me ....
Product: Credit card or prepaid card

I have spoken to both American Express ( American Express Blue Preferred Card ), and XXXX XXXX XXXX XXXX. I processed a payment on XX/XX/18 through the AmEx mobile app. This payment should have been deducted from a XXXX XXXX XXXXXXXX XXXX XXXX XXXX account, however it was attempted to be deducted from a XXXX XXXX XXXX XXXX account. That account didn't have sufficient funds for the {$1500.00} payment, and returned with NSF charge of {$35.00}. American Express then attempted two ( 2 ) more times to deduct funds from this account WITHOUT my consent. Leading to two ( 2 ) additional NSF charges from XXXX XXXX. This led to a total of {$100.00} of NSF fees for one attempted payment. I attempted to contact XXXX XXXX about this, and they refused to refund me any charges, and after much complaint, they agreed to refund a single {$35.00} NSF charge. They told me that they would require a letter from American Express on letterhead from a supervisor or manager. I called American Express and spent 81 minutes ( 1 hour and 21 minutes! ) on the phone with them explaining my problem and attempting to get help, I was transferred and spoke to either seven ( 7 ) or eight ( 8 ) different representatives. Each time I was transferred, It became more difficult for them to hear me. I find this to be either a common issue when dealing with these institutions and the phones they use. This tactic essentially allowed them to disconnect my call as they could " no longer hear me '' I stated very clearly that a ) I needed a letter sent to XXXX XXXX XXXX XXXX, stating that I did not authorize these multiple charges, that it must be on letterhead, and that it must be signed by a manager or supervisor and b ) it could be faxed to XXXX at ( XXXX ) XXXX. One agent at AmEx was even kind enough to go onto a three-way call with XXXX to explain the situation, and was told that there is nothing they can do to help without the form. 
American Express told me it was standard procedure to make multiple attempts to charge someone for an attempted payment. I explained clearly that I did NOT AUTHORIZE them to charge my account multiple times, and that if notified, I could have informed them they were charging the incorrect account, in fact, I turned around and made the charge on XX/XX/18 a second time, because it never appeared as deducted from my XXXX account and never showed as payed on the AmEx website. 
Meanwhile XXXX XXXX is making {$100.00} off of NSF fees that I never authorized in the first place. I believe that these tactics by both institutions, to make things so difficult on consumers, by a ) requiring forms that no one seems to be able to produce and b ) transferring people so deep into a companies organization, creating massive amounts of time lost and making the call extremely difficult, by making it hard to hear, AND by making a consumer repeat there complaint 5+ times to various people along the way amounts to some form of organized theft of personal funds to increase profits.