23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

There was a collection placed on my Experian credit report that was first reported I believe XX/XX/XXXX. The amount was for {$910.00} in which was paid in full to the creditor and I was made aware by the creditor that the collection would be removed from all three credit bureaus. It was removed from XXXX on XX/XX/XXXX and from XXXX on XX/XX/XXXX but was never removed from Experian. I contacted Experian to find out why it was not removed and I was told that the company responsible for the collection had not reported to have it removed. I in turn contacted the company to inquire about this, and was notified that the request for the removal of the collection was issued on multiple dates XX/XX/XXXX and on XX/XX/XXXX. I then followed up with Experian again and was told rudely that no such request for the collection to be removed was made. I opened a dispute with Experian on XX/XX/XXXX. The Experian account has received flagged notifications per the collection agency on these following dates ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The most recent update per the Experian app states that the collection company has reported the debt paid in full but did not request a removal. I contacted Experian on on XX/XX/XXXX and received no information
Product: Credit reporting or other personal consumer reports

XXXX XXXX and XXXX both approved me a Lowes credit card back in XX/XX/XXXX, so I purchased a very needed hot water heater for around {$650.00}. As of XX/XX/XXXX, they decided to cancel my credit card without any notice just mailing a letter stating due to inactivity and my credit score ( which was the same in XX/XX/XXXX ). They should have never approved me in the first place, now this is ruining my credit even more. I was making payments on the credit card and my credit might isn't perfect but to do this to people who are trying and doing the right thing isn't acceptable. I could see if I wasn't paying on the card but to give a person less than 4 months. Between XXXX, Sychrony and Lowes watch out they have a good scam running for those who have less than perfect credit.
Product: Debt collection

Experian is reporting inaccurate and unverifiable information and has effected my lively hood. Because of this I have been denied jobs, housing and credit lines. Below I have attached a screen shot of the accounts that are inaccurately reporting per consumer protection law.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXXXXXX Balance : {$660.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX If XXXX credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've provided enough information for these Equifax to conduct a thorough investigation. XXXX XXXX XXXX that is reporting inaccurate on my credit report since XX/XX/2018 and Equifax are refuse to delete the accounts. I already received letter from XXXX XXXX XXXX that debt was delete from my records, XXXX  and XXXX  has already removed the collection from my file.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ), I, as a consumer protected under federal law, hereby withdraw any and all authorizations, whether expressed or implied, written or unwritten, verbal or non-verbal, that I may have previously granted. This decision is made pursuant to 15 U.S.C. 6802. Please consider this communication as my formal request to opt out. Privacy Act of 1974 ( 5 U.S. Code 552a )
Product: Checking or savings account

Reference Complaint ID : XXXX-XXXX Thank you for your assistance in my attempt to close out five savings accounts with Capital One. You have all this information in my complaint file. I attempted to call Capital One as per their suggestion after CFPB got involved. This was unsuccessful as I could not get through their phone maze. Thus their solution was no solution at all. Capital One has the written/signed letter from me requesting the close out of these accounts ( 5 ) and wire the funds ( c. {$64000.00} ) to my checking account. All this information is one their system. This has been going on for a month. This is unethical and illegal. Please intercede again in the expectation of finally getting this done.
Product: Money transfer, virtual currency, or money service

I sent {$520.00} to a friend in XXXX via Money gram. I stated I wanted the money sent in US dollars when she asked if I wanted US dollars or Euros. When my friend went to pick up the money it was in Euros and he had the added hassle and expence of having to convert it back to US currency. The receipt was folded up and stapled together with only the recipient 's name and reference number highlighted and visible. When I found out he got the money in Euros rather than US dollars I removed the staple and found that Money Gram gets extra money when it converts my US dollars into foreign currency. Doing so benefits Money Gram financially but is counter to my request for sending US dollars only. I'm sure it is company policy to maximize their profits by ignoring the customer 's request and it was no mistake they sent my money the most profitable way for the company.
Product: Credit card

{$5100.00} Open Date XX/XX/year> No action was taken
Product: Checking or savings account

I received an " IMPORTANT PRIVACY CHOICES '' from you, " ally '', sent to my address using my name. You are not affiliated with anybody with whom I do business.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX  Date of Inquiry XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, OH XXXX XXXX Social Security Number : XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX. 


Subject : Request for Removal of Unauthorized I identity theft Late Payment Account Dear Equifax I am writing to formally request the removal of unauthorized hard inquiries from my credit report. After a recent review, I discovered several hard inquiries that I did not authorize, and these are negatively impacting my credit score. 

The unauthorized Identity theft late payment account are as follows : * Account Name : XXXX XXXX * Account Number : XXXX * Date Opened : XX/XX/XXXX * Late payment XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), ' have the right to dispute any information that I believe is inaccurate. Since I did not authorize these inquiries, I am requesting their immediate removal. To assist with verification, I have enclosed a copy of my ID, a recent utility bill, and a copy of my credit report with the inquiries highlighted. 

I have a FTC REPORT Submitted to the CFPB Please investigate these inquiries and remove them from my credit report as soon as possible. I would appreciate a confirmation once the removal is completed or any further steps I need to take to resolve this matter. 
Thank you for your prompt attention to this issue. 

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

OPTING OUT OF REPORTING FOR XXXX XXXX XXXX  Per FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given to you written, un-written, verbal, and non-verbal per 15 USC 6802. 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting effective immediately.
Product: Credit reporting or other personal consumer reports

After recently reporting several inquiries that are unauthorized and fraudulent they're still showing on my Transunion report. I've mailed in my disputes with no progress on removing the hard inquiry from XXXX XXXX and in accordance with FCRA this inquiry must be removed.
Product: Checking or savings account

An account was opened in my name by someone else other than myself, this was done in store with someone using my name with a different photo and address. I'm not sure how this happened because a different SSN was used and it created a double profile. I was unable to get access to my own account because of this. I know XXXX is known for opening accounts without their clients consent.
Product: Debt collection

I received a call today from someone stating they worked for Portfolio Recovery and were calling about an alleged debt with XXXX XXXX. I currently have two credit card accounts with XXXX XXXX that have a perfect payment history and a former car loan that also had a perfect payment history. I do not know if the person was an imposter or real, but either way, I do not acknowledge the alleged debt as legitimate ; I wish for Portfolio Recovery to cease and desist all collection attempts, and I will sue if there are any negative items that appear on my credit report from Portfolio Recovery.
Product: Checking or savings account

My checking account is being closed with no reason provided. They have frozen my ability to use my debit card and will not allow me to withdraw money. Its too late to have my paycheck deposited into another account, so all of my money will be in that account tomorrow. My mother just passed away. I need access to my funds so I can make arrangements!
Product: Mortgage

was contacted by Rushmore Loan service. regarding modification or short sale. 
XXXX XXXX XXXX and XXXX XXXX reached an agreement with the Department of Justice ( DOJ ) to address actions and practices relating to residential backed mortgages. 
when we contact Rushmore Loan Services, we were told to contact XXXX XXXX XXXX who never responds to out faxes, phone calls or emails. we have several good offers with cash buyers and pre-approved. we have submitted the short sale package with no response from the servicer.
Product: Credit reporting

Grateful for this service. Thank you. Let me begin by saying I have correct and accurate correspondence on all that I will report below. I am asking your assistance after two years of effort with no satisfaction. I believe the issue is a lack of clear understanding at the bureaus. Perhaps, you can help them to a better understanding. 
I had a balance on a XXXX gas card. I was XXXX in XXXX and ultimately declared " XXXX '' by XXXX Court in a lawsuit against the XXXX. In XXXX XXXX corrected XXXX and I am now back to work and fully solvent. During my XXXX I was in active touch with XXXX XXXX XXXX Bank asking them to work with me XXXX. They said they would. Subsequently, they became XXXX - the reporting that I want to dispute. 
When next I called XXXX to accomplish a settlement, they took my information and said they would respond to me. After 30 days I called to inquire about the progress and they informed me that the account had been sold to XXXX XXXX XXXX. I voiced my anger with XXXX in calls and in writing to no avail. 
I shortly heard from XXXX XXXX XXXX. They sent me an completely out of bounds letter that violated the FDCPA in several letters. My complaint to them resulted, oddly, in them dismissing the debt and deleting they reporting from all of my bureaus. 
I was surprised by that, but not happy that my opportunity to resolve the debt and rehabilitate my credit score was now shut down. 
I called the original lender and again offered to settle the debt for a good will deletion. They said the debt was sold and they could not to that. 
I reached out in writing, with documentation, to all XXXX bureaus and asked them to delete the XXXX account. They said it was correct reporting. I said it was a violation of FCRA because I have no opportunity to resolve the debt and, therefore, no way to improve my credit scoring - despite the fact that the original lender knew I was disable and said they would help with with a work out when my finances recovered. 
I am asking your guidance regarding my options on how to resolve this issue. I have an account I would like to settle to improve my report, but the lender says they no longer own the debt. Ok, then delete it from my credit report. 
I look forward to your response.
Product: Debt collection

TO WHOM

IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please del
ete the items as soon as possible.
Product: Credit reporting or other personal consumer reports

I am submitting this letter to request that this account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX : {$0.00}
Product: Credit card

I went into a medical facility ( XXXX XXXX XXXX ) for a free consultation. They took my credit card information. I did not realize they were going to charge me for the ENTIRETY of the services up front before I even started services. I asked them for a refund while I consider actually receiving the services. 

They gladly obliged and gave me the refund immediately and even provided a refund receipt. I thought everything was good to go as I saw both the pending charge and the pending credit on my credit card. However, the charge posted to my account and the credit dropped off. 

I reached out to XXXX XXXX XXXX to confirm the refund. The owner texted me and confirmed that it should've been refunded. The owner even provided an email from his credit card processor showing that it had been refunded. So, I filed a case with Wells Fargo to have the charge removed. They told me I'd receive a temporary credit for the {$6100.00} charge. I have not. 

I have called in twice since I originally filed the charge only to be told both times that a " speciality team '' was looking into the dispute and would let me know what happened and whether or not I needed to provide any additional information. I'm worried that Wells Fargo is not operating with my best interests in mind. 

I provided all of the info including the the most important piece of evidence - the confirmation from the merchant that it should have been refunded as well as the screenshot from the merchant 's processor of the refund.
Product: Debt collection

Recently I tried to apply for a car loan but to my surprise I was denied because of false inaccurate reports on my consumer report. I have acquired a copy of my consumer report on XX/XX/2022 and to my surprise Ad Astra Recovery Services was reporting FALSE INACCURATE information to my consumer report. On XX/XX/2022 I disputed This inaccurate information with Ad Astra Recovery Services nicely asking to remove the account for negligence and for violating my FCRA rights under 15 USC 1681 ( a ). 15 USC 1681 ( b ), 15 USC 1681e ( b ), 15 USC 1681e ( e ) ( 2 ), 15 USC 1681a ( d ) and Ad Astra Recovery Services is currently RE-AGING this account which is a violation of FCRA sec.605, and also fraudulent. PLEASE REVIEW ALL MY CONSUMER REPORTS FROM DATES OF XXXX TO SEE Ad Astra Recovery Services HAS BEEN ILLEGALLY AND FRAUDULENTLY RE-AGING THIS ACCOUNT UNLESS THEY CAN PROVIDE THAT I HAVE MADE PAYMENTS IN THESE TIME FRAMES.
Product: Credit reporting or other personal consumer reports

I see that XXXX, Equifax, and XXXX are reporting some Inquiries on my consumer report without my consent. I have attempted months ago prior to this complaint to call and send in a letter stating that Per the FCRA as a federal protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, and nonverbal per 15 USC 6802. I still see that it is on my report even when it shouldn't have been to begin with considering I never gave permission or consent to report this on my credit report. Under the Privacy Act of 1974 it clearly states, No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. Also, 15 USC 1681b states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. According to the Fair Credit Reporting Act 15 USC 1681a-4, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy ''. XXXX, XXXX, and Equifax are all consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " 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 ''. Every company in their agreements with consumers said they would follow the law and agreed to do so. They are aware that they are breaking the law and continue to do so daily with prior knowledge of the law they agreed to uphold for the benefit of the consumers and to not undermine the public confidence which is essential to the continued functioning of the banking system according to 15 USC 1681a-1.15 USC 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, Equifax, and XXXX are not maintaining reasonable procedures.
Product: Mortgage

I sent request for information, about escrow received in the amount of {$890.00} to Caliber Home Loan, and their lawyer XXXX and XXXX. I did not receive an acknowledgment of receipt as required by RESPA, furthermore they failed to respond within the required 30 days. I am attaching in .pdf format, A ) original request, B ) notice of 5 day RESPA violation, asking for explanation, C ) notice of 30 day failure to respond, in which, I ask for information requested be sent, without delay. 

I know for a fact Caliber received notice 's because they uploaded the original request in documentation as part of a response in complaint # XXXX to the CFPB, on XXXX/XXXX/16. 

Caliber Home Loans, continued arrogance, and blatant violation of rules, set forth by agencies of the US government are disturbing, troublesome, they should IMMEDIATELY, brought to the attention of regulators, and appropriate action should be taken, at once. 

.pdf # XXXX # XXXX # XXXX
Product: Debt collection

I moved out of XXXX XXXX XXXX ( XXXX : XXXX XXXX ) in early XXXX, 2015. On the Move Out Statement received from landlord after I had moved out, I was charged an additional {$1000.00} full rent for XXXX, when I only remained a few days, and should have been charged a pro-rated amount. They also charged me for a full month of XXXX rent. Additionally, I did not have a current lease in place ( renting month to month since last lease was never renewed ) but was charged a {$1000.00} Rent/Lease Break fee. A lawyer even suggested I take the landlord to court because I paid my rent despite the sub-standard conditions of the apartment, including lack of air conditioning and basic heat. They claim I owe {$3000.00}. I have disputed this amount several times, with no satisfactory response. They also kept all of my security deposit of ( {$1400.00} ) and pet deposit money. This should have been more than enough to cover the pro-rated rent for XXXX. 

Delaware 's Attorney General XXXX XXXX filed a litigation against the landlord alleging violations of the Consumer Fraud Act. Tenants reported numerous complaints of heating and air conditioning problems, broken appliances, plumbing issues and lack of response to maintenance calls. Images of the inside of my apartment are attached to show you what I'm talking about.
Product: Credit reporting or other personal consumer reports

XX/XX/year> - XXXX - XXXX XXXX from Chase Security Department called me, XXXX XXXX XXXX He informed me that someone from XXXX  sent a credit card application to Chase, using my name, SS no. with a XXXX address. I said, No I did not create any Chase credit card application, and I live in XXXX. He created a case number XXXX, and he transferred me to Security Department of Comsumer Financial Protection Bureau. The number is XXXX. 
Then a guy answered, His name is XXXX XXXX with Employee XXXX. He said he worked at the Security Department of Comsumer Financial Protection Bureau. He said he will help me terminate the application of credit card to Chase, with the XXXX  address. 
Additionally, he asked me to verify my credit report on other credit cards such as XXXX XXXX, XXXX, XXXX. He was reading all the balances and credit card numbers of my cards, and asked me to verify. He said he needs it for him to help me reduce my credit cards, especially the high credit card interest over 4.5 %. I told him I'm not using the XXXX  XXXX card and I wanted to close but XXXX did not close it. He said he closed it. And then he asked me on XXXX  and XXXX  to apply for a low interest at 4.5 % since my interest is more than 10 %. I told him I am aware and was given offer but may consider it sometime but not now. He tried to convince me close the XXXX cards, and transfer to a credit card with lower interest such as Chase, or other bank. I said no. That's when I challenge him that you closed the application for Chase, and now you're giving an example to move my XXXX balance to another back with lower interest? 
I told him, I'm becoming suspicious on him if he was a real Security agent or not. He talked to me fr more than 30 minutes and that's when I asked him this sounds to me a scam. He has access to all my social security number, all credit card information, because he pulled by credit report and read to me all the financial information i had with the balances of each card. 
This is serious for me to report to the authorities and investigate, and protect my ss number, identity, and credit cards. 
He gave me another number to call back if XXXX from XXXX  he said. 

PLEASE HELP THIS IS FRAUD! 

Thank you. 

XXXX XXXX