23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX of XXXX, I received a Final Notice ( first interaction ) from XXXX about an outstanding balance of {$530.00} for a policy that was canceled, but the address on the letter was incorrect with my correct name. I've also never worked with XXXX. It had moved to collections and XXXX XXXX XXXX was calling me and sending letters as of XX/XX/XXXX, so I both faxed and told them over the phone this was not a debt I recognized and was not mine on XX/XX/XXXX. I also sent a letter requesting proof of validation XX/XX/XXXX. Time passed with no responses, so I ended up reporting it online to the FBI and on XXXX, on XX/XX/XXXX and reached out to XXXX and sent them those reports. Then they ( XXXX ) told me they had closed the account but couldn't give me any documentation on the account. They were able to tell me the policy was started on XX/XX/XXXX online. Now, a company called Viking Services has been calling me since the issue with XXXX, but they told me on XX/XX/XXXX that there are now two different debts under my account. One is for {$1200.00}, and another for {$410.00}. I am not sure which is for what, but they were able to tell me one was from a rental with XXXX, which I have also never used. I asked them to send proof of this debt, and when they confirmed my address to send, the address they gave was not mine and was in a completely different state.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX, XXXX Account # XXXX, XXXX XXXX, XXXX Account # XXXX and XXXX XXXX XXXX. Account # 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 instructions
Product: Credit reporting or other personal consumer reports

I called the fraud department at Transunion and explain that I had noticed some unauthorized inquires on my report or someone applied for something in my name. 

From XXXX XX/XX/23 XXXX  XXXX XX/XX/23 XXXX XXXX  XX/XX/23 XXXX XXXX XX/XX/23
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 demand to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Accounts have been paid & the original medical providers have verified to me that I am not in arrears with them as of XXXX/XXXX/16.
Product: Credit card or prepaid card

@ Macy ' in 2020 I was purchasing when the clerk literally talked me into applying for a credit card. 
she said i was approved & a limit of a {$1000.00} was provided I never gave it much thought till I returned to the same store to buy the same gift merchandise I had the approved slip with me. 
From there I've literally gone through no less XXXX attempts in person @ the store to be told that a credit card would be issued and mailed to me. 
I've literally gone out of my way to in security for the all parties to find out why am I not getting the card in the mail I've kept logs of whom I spoke with my date & time & I still do not have the card. 
Bottom line each time I was told a card would be sent to my newest address in XXXX XXXX -but it has not been received I literally was went back to the store & even after their requests for a call back was told that a card would be sent
Product: Debt collection

I asked for verification of the alleged debt that is charged-off. I have not received a response on the verification of this debt and this company continues to increase the balance of the charge-off as well as the high balance on my credit report at all three credit bureaus. 
On XXXX XXXX, XXXX I contacted them over the phone and asked why this charged-off account is continuing to increase without verification he along with his account manger stated that interest still accrues after charge-offs. I do n't understand how a debt can be reported that is n't verified. I contacted them several times and have not been successful at all. I contacted in XXXX XXXX and XXXX XXXX as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The 3 Bureaus Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Equifax has failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

On XX/XX/2023 I received a requested Mortgage Loan Approval from Mortgage Loan Originator ( XXXX ). After locating a property I am attempting to purchase in XXXX XXXX. my realtor contacted the XXXX to confirm loan approval which the XXXX sent to her. The XXXX then began pressuring me to send her the required paperwork after I had begun the property transaction, including XXXX XXXX. After locating and sending what she had requested, I received disclosures for the property loan and the XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I questioned the content of the disclosures to which the XXXX responded she would have to look into it. I sent additional questions to the XXXX to which I received a re-disclosure with a vague explanation and no answers to my previous questions. I took a picture of the XXXX documents for demonstration, not for informative purposes and asked additional questions not having received answers to anything. I was then contacted by Mortgage Loan Processor ( XXXX ) with additional documentation requests, a statement a XXXX/3 officer at my local 5/3 bank could not explain and coercing me to submit them with the initial signed disclosures within XXXX days with no explanations. After submitting the initial signed disclosures, she then informed me she needed the re-disclosure as well. After informing her that I believe she needed to consult the 5/3 legal department, I was shuffled back to the XXXX. I informed the ( MLP ) that I was only going to correspond through email. The XXXX then contacted my realtor and myself and informed us that she did not understand the disclosures herself and informed me that there were mistakes on them. After consulting another lender, my realtor informed the XXXX that I was withdrawing my loan application from 5/3, to which the XXXX responded no worries. I take this to mean that she is apathetic about the fact that 5/3 bank has wasted so much of my realtor, the seller of the property and my own time and has possibly cost me the employment I had arranged in XXXX. The XXXX then contacted me by text and requested that I respond by text withdrawing my loan application. Realizing this should be done in a more formal way, I emailed my withdrawal to the XXXX and requested verification that I did so. I have attempted to get this situation resolved through the XXXX XXXX XXXX and the Office of the Comptroller of the Currency. Fifth Third Bank officials are refusing to accept responsibility. They claim that I do not understand the loan process. I have had XXXX other loan officers view these documents and both agreed that they are faulty. As stated previously, the Fifth Third Bank XXXX for this loan confirmed to my realtor and myself that there are mistakes.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX EQUIFAX Regarding : INQUIRY REMOVALS Hello I was checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by theses companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I didnt authorize anyone employed by these companies to make any injury and view my credit report. also i didnt give you ( EQUIFAX ) permission to furnish this information to my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes fraudulent activity but is a serious breach of my privacy rights. 
Please validate this information with these companies and please provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. I also demand you. ( XXXX ) to produce a contract between you and I, consumer, bearing my signature showing that I gave you permission to furnish any information on my behalf. 
In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. Please note by law you have XXXX  days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611. 
Best Regards, [ XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter to Equifax regarding my rights being violated. Equifax is completely ignoring the law. I am exercising my right under the Fair Credit Reporting Act 611. Procedure in case of disputed accuracy 15 U.S. Code 1681i. You are required by Federal Law to conduct a reasonable re-investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

I respectfully request to be provided proof of this alleged item, specifically the contract, note, or another instrument bearing my signature. Please include all names and contact information of employees that you spoke to as a part of your investigation showing that you have proof to furnish anything on my credit report. And if you can not provide me proof you are obligated by law to remove these items from my credit profile, please.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according XXXX ( b ) ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

No other credit agency charges for this service. Apparently, Experian believes they wont be hacked like XXXX was. This is a racketeering service that consumers should not have to pay for to protect our identity. They charge at least {$9.00} per month and higher for you to be able to lock your credit report so they can hammer with other services that cost. Why should any consumer have to worry about paying a fee we can't afford just to protect our identity because a credit bureau agency wants to racket this free service to pad their bottom line. I am talking with a class action attorney as I believe this goes against many laws and with identity theft on the rise you are discriminating against minorities who can not afford this fee or dont have a credit card. This is racial basis as a minority just trying to make it. This is unconstitutional to all Americans and the next form of discrimination. Also, they offer you to put this on your cell phone bill as a payment option as if those bills aren't high enough already. Apparently, they haven't considered the fixed income many Americans and minorities are already on. They are illegally collecting this fee in the state of Texas per the Texas Finance Code. Texas Surety bond information as required by Sec. 392.101. Based on the attachment they dont have a surety bond. I'm filing a complaint with the attorney general 's office.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very upset with this issue. I sent a letter to the Creditors and Collections agency regarding inaccurate accounts on my report. It is now XXXX days and I have not received a repsonse. I did my research and I am for sure that they have XXXX XXXXays to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Product: Credit card

Care Credit issued by Synchrony Bank charged me {$1000.00} interest on a balance 0f {$2200.00}. A 45 % interest rate that was not disclosed to me in the beginning. The rate stated on my statement was to be 26.99 % interest. That rate would translate to {$600.00} charge. the interest charged is nearly double that figure.
Product: Mortgage

Lost job due to Covid and was told that would work with me on making payments. Made payments via phone monthly but was reported that I was not making monthly payments during this time and negatively impacted credit report and score. Payments would not process on time incurring numerous late fees and other charges. Incorrectly applied payments towards principle instead of interest payments causing more fees to accrue. Would make payments arrangements and the payments would never process causing more fees and negatively impacting credit report. Also after providing prof of insurance on property added insurance and charged me for insurance duplicately. Thus incurring more charges and fees that caused to fall further behind. All this also caused account credit line to be temporarily suspended. Finally caught up by going into branch and talking with a representative. However credit report and score have been damaged tremendously.
Product: Credit reporting

My utility, XXXX XXXX was ongoing from XX/XX/XXXX in XXXX, XXXX I paid all my bills on time every month before moving to XXXX ( XX/XX/XXXX to XX/XX/XXXX ). 
I never had a {$36.00} XXXX XXXX bill balance from XX/XX/XXXX nor XX/XX/XXXX, but this collection appeared on my account in error because XXXX XXXX @ ( XXXX ) XXXX told me they never had any record of this {$36.00} owing from eight to nine years ago? So I paid it anyway but it has not been removed from XXXX credit reporting. Not only is this debt erroneous but its nine ( 9 ) years old! NOT the seven ( 7 ) years that Diversified Adjustments Collections @ XXXX XXXX XXXX XXXX. XXXX, XXXX, XXXX XXXX phone : ( XXXX ) XXXX. They are maliciously reporting this after nearly nine ( 9 ) years and have refused to stop doing so after I telephone and spoke to them XX/XX/XXXX. I DEMAND this erroneous collection to be removed from my credit report. I have been an XXXX XXXX customer since XX/XX/XXXX in XXXX, XXXX nearly 25 years and I have never missed a payment. I will mail supporting documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card open-end consumer credit plan as late for any purpose.
Product: Credit reporting

Trans-U is showing negative information that is over XXXX XXXX XXXX. Mortgage XXXX # XXXX - XXXX is over XXXX years old. XXXX XXXX XXXX XXXX LP is not showing up on either Equifax or Experian. They have already removed this ....
Product: Credit reporting, credit repair services, or other personal consumer reports

Company was repeatedly contacted via phone email, mail and certified contact in response to multiple accounts having been deleted by them unsolicited by myself and or creditors. 

I contacted creditors and they each stated this is an Equifax issue not the first time they have had similar issues with Equifax these merchants have requested this be readded several times in order to report accurate history yet it has not reported.

They have cost me over 100 payments years of credit age and several tradelines which is not accurate
Product: Mortgage

Rocket Mortgage has calculated my tax escrow payment incorrectly to the extent that my monthly property tax payment is actually higher than the loan ( principal/interest ) payment itself! I have contacted the local tax authority in my city and the representative is in agreement with me that their calculation is incorrectly and would result in an excessive escrow surplus in the account. This situation is putting financial strain on me in terms of my own budgetary liquidity needs and is unnecessary. I have been told that there is a " team working on it and it takes 7-10 days '' but I've attempted to address this with the company a month ago before the closing and nothing was done so I do not trust or believe that they are capable of fixing it now either. It is now day 7 and still nothing has changed- they expect a XX/XX/XXXX payment that is about {$300.00} higher than what it should be. I feel that it's also a bit ridiculous that it would tax so long to simply divide the annual tax bill total by 12 and fix the payment. That's grossly inefficient. But perhaps more of something that Senior Management should look at. 

The tax assessor confirmed with me that the amount which should be withheld for property tax should match with the property tax bills from prior years ( which I pulled from their municipal website ). 

Furthermore, the originator of my particular loan also gave me false legal advice. Because of his aggressive push to close on the loan and earn his fee income, he wanted to assure me and give me a false sense of confidence. The property I bought has month-to-month tenants occupying it. My originator told me ( on a recorded line ) that after transfer of property ownership, I would not develop a landlord-tenant relationship with these people. My lawyer told me that this information was false and I indeed now am in a position where I may need to evict the tenants. 

I believe it would be in the interests of other consumers that the practices and processes at this large institution be examined for potential streamlining opportunities and also an examination of ethical standards. 

Thank you
Product: Credit reporting or other personal consumer reports

I was shocked to find unfamiliar accounts on my credit report tonight, and Im at a loss as to why theyre even there. Ive checked my report as usual, but this time, errors appeared out of the blue. I even tried refreshing my browser, hoping it was a simple glitch, but nothing changed. Its very concerning that these mistakes didnt disappear after refreshing. Im urgently requesting a thorough review of the documents Ive provided, so I dont have to live with this uncertainty.
Product: Credit card or prepaid card

I ordered a pair of diamond earrings from XXXX XXXX online on XX/XX/2022. The earrings were to be delivered via XXXX on XX/XX/2022, I was not home to receive or sign for the package. XXXX dropped my package off at the XXXX for pickup on XX/XX/2022. I went to the XXXX location on the XX/XX/2022 to pickup my package and upon inspection I could see that my package had been vandalized. I took pictures of the package at the XXXX location and told the XXXX representative that I will not accept the package because it was clear it had been vandalized. I contacted XXXX XXXX and XXXX via email. I emailed XXXX XXXX and XXXX the pictures that I took. I received a email from XXXX XXXX on XX/XX/2022 that I would receive a full refund within XXXX business days. As of XX/XX/2022, I have yet to receive my refund and now XXXX getting the run around.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is another complaint against XXXX XXXX which has refused to acknowledge or read the attached evidence and FACTS regarding the derogatory remark/late payment they have posted to my credit report. They have been incredibly difficult to work with, with XXXX XXXX, failing to return my calls and failing to elaborate on the matter in writing beyond what feels like scripted responses. The FACTS are there were no late payments in XXXX or XXXX. There was a dispute in XXXX whereby XXXX XXXX failed to process a timely payment. They must remove this false late payment IMMEDIATELY from my credit report.
Product: Credit reporting or other personal consumer reports

This morning, I found unauthorized inquiries on my credit report that I cant explain. I regularly check my credit report, but this time there were inconsistencies that seemed to appear out of nowhere. I refreshed my browser to rule out a technical error, but the inquiries were still there. Im very upset and need this addressed immediately. Please review the documents I submitted thoroughly to ensure this matter is resolved and doesnt cause me any more distress.
Product: Credit reporting or other personal consumer reports

( to drop into the comment section of a new claim HERE ) Greetings CFCB, I am requesting immediate CFCB action to remove all of the following hard inquiries from my credit report.

In Pursuant to code 15 USC 1666a : Regulation of credit reports, all hard inquiries made without my approval must be removed within 48 hours to prevent any further damage against my personal credit history and active business endeavors on behalf of my company. 

PRIMARY DISPUTE : The following inquiries were not authorized by me and must be removed : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  By way of code 15 USC 1666a : Regulation of credit reports, I standby my rights to a fair & accurate credit report. I would like to express my advance gratitude to the CFPB for protecting my rights. Should this not be removed in 48hrs i will follow up with a fee schedule that establishes the amount due per damage to myself, my company, and all other corporate personnel. 
Thank you in advance for your assistance. I am on standby for a confirmation number as indicative of the CFBs notice & implementation. 
Please contact me here for any further clarity or assistance. 
CFPB Consumer Affiant Sincerely, By Direction of XXXX XXXX XXXX