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

XXXX XXXX XXXX } { XXXX XXXX XXXX XXXX { XXXX } { Credit Bureau : XXXX XXXX XXXX } { Credit Bureaus : ALL 3 } { XX/XX/XXXX RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on { XX/XX/XXXX. XXXX } and I noticed an unauthorized credit inquiry had been made. I contacted { XXXX XXXX XXXX }, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the [ XXXX XXXX XXXX ] inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within XXXX business days of completing the investigation. Thank you for your assistance in this matter, { XXXX XXXX  }
Product: Student loan

I have asked for account information in the past and did not receive all information. Navient is purposely withholding information because they know the debt is not valid. 

I want an itemized statement and proof the debt is valid and the balance is accurate by producing original loan documentation. This would include the loan agreement from its conception as well as every single monthly statement from beginning to present. That means I want every months statement and its status for that month. All documentation from beginning to present. Thats almost 20 years of statements Ill be waiting for.
Product: Debt collection

Was in XXXX XXXX in XX/XX/XXXX with a car rental. Must have gotten a parking violation while I was there as I got an email from this Cedar Business Services XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX on XX/XX/XXXX stating so. They sent the documentation from the City of XXXX and the dates match the time that I was there. My complaint is that XX/XX/XXXX is the first date that I received any notification of this violation which was from XXXX and not the City of XXXX. On the ticket itself it states that if paid within 5 days it would be XXXX euros which I missed as I was trying to get an explanation of the citation and dealing with XXXX. XXXX is claiming that I owe them {$470.00} and has been relentless in continuing to send emails telling me that it was going on my credit report and that since the ticket was from XXXX that US laws do not apply. I explained that this was my first notice but was told that I have no recourse to dispute. I even contacted an attorney who sent them a letter which they have ignored. The next deadline was 60 days and XXXX euros so I sent XXXX a check for {$160.00} figuring in the exchange rate on XX/XX/XXXX. Still getting emails and letters from them and now claiming that I never sent a check. Not disputing the ticket but I am disputing the time in which I was notified and the amount that is owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX XXXX and i am the victim of IDENTITY THEFT and i have filed a police report and filed a federal identity theft report with the FTC. I sent a copy of my FTC IDENTITY THEFT REPORT ( which is the only document i am required to send by law ) to Transunion CERTIFIED MAIL on XX/XX/2020 along with a request for the fraudulent accounts to be blocked as my rights according to FCRA 609 ( e ) ( 15 U.S.C. S 1681g ( e ) and was sent a response that they would not investigate my claims because they believe my claims were false and my ftc report was not official ftc report which is false. Transunion has denied me my rights as a consumer and  according to FCRA they are breaking the law. i am including in this complaint a copy of my FTC IDENTITY THEFT REPORT, AN OFFICIAL COPY OF MY POLICE REPORT, THE NUMBER TO THE DETECTIVE HANDLING MY IDENTITY THEFT REPORT AND THE POLICE DEPARTMENT WHERE MY POLICE REPORT WAS FILED ALONG WITH THE NUMBER TO THE POLICE DEPARTMENT, ALSO I AM INCLUDING THE RESPONSE LETTER FROM TRANSUNION SAYING THEY WONT INVESTIGATE OR BLOCK THE FRAUDULENT INFORMATION, ALONG WITH THE RECEIPTS FROM THE U.S. POSTAL SERVICE WHICH SHOWS THE DATE AND TIME THE LETTERS WAS RECEIVED BY TRANSUNION, ALSO I AM INCLUDING IN THIS COMPLAINT A COPY OF MY STATE DRIVERS LICENSE ALONG WITH MY SOCIAL SECURITY  CARD SO THAT TRANSUNIO CAN SUCCESSFULLY IDENTIFY ME.
Product: Debt collection

I received what appeared to be a certified letter requesting payment of an unpaid balance of {$1400.00} from my recently deceased Mother 's estate. I called the number and spoke with someone at dcm services. After I asked a couple of questions, the person transferred me someone else and the call was disconnected. I immediately called back and I spoke with an operator who transferred and the call was dropped again I immediately called back and after pressing the operator I left a message for XXXX XXXX whose name was on the letter. No one has called me to discuss the situation. I took the letter to the local USPS facility and had the certified letter investigated. The postage paid was XXXX cents although the letter has an amount of {$7.00}. I have asked the USPS to investigate a fraud claim, I have not heard any details if they are pursing the case.
Product: Debt collection

This debt is in all 3 bureaus collections sections and it is not a valid debt. It is from Hunter Warfiled on behalf of XXXX XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, CA XXXX. 
I have also requested validation of debt on 10/29/17, through certified letter and did not receive anything back from this company. I then was called 3 times by XXXX XXXX in XX/XX/XXXX and XX/XX/XXXX and was told they did not get the letter, even though it was signed for. I also was told I would be sues and called an XXXX. I then said not to call again and they called my Sister instead. I received one last call from them to my place of employment where they told my boss I was being sued. I am shocked by this behavior and very distressed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX To whomever it may concern, I noticed that my credit report, pulled through XXXX, XXXX and XXXX, shows a collections account that does not belong to me. I believe you have listed this account erroneously and I would like to have it removed immediately. Below is the account you have listed. 

Name : XXXX XXXX XXXX Social : XXXX Account : 1. XXXX XXXX XXXX XXXX Opened on XX/XX/XXXX. {$4500.00} Please remove this account immediately. I understand that, by law, you have 30 days to complete your investigation of these errors. I trust that you will provide me with the procedure that you used to verify the accuracy of the information listed above. 

Thank you for your time. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number XXXX XXXX Unauthorized inquiries : XXXX & XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I received a letter from a collection company named AArgon Agency INC stating that I owe {$470.00} and I have requested and disputed proof of debt but this agency continues to call mail and report this debt to the credit bureaus affecting my credit. Please have them refrain from contacting me and stop reporting this fraudulent debt.
Product: Debt collection

I got a Comenity card from XXXX back in XXXX, apparently XXXX stopped using them as creditors for their credit cards. I still had to pay off what I used with Comenity when they were no longer affiliated with XXXX. XX/XX/XXXX I received a statement showing what I owed and that I still had available credit to spend proving that the account was open. I called them to set up payment arrangements to pay it off and told them to close my account. I no longer wanted this card so my next statement XX/XX/XXXX showed that my available credit was XXXX but also showing what I still owed. I have statements from XX/XX/XXXX until XX/XX/XXXX showing that I paid this card off. I kept paying the remaining balance yet they still kept charging me a finance fee and if I didn't pay that Finance fee on the account that was supposed to be closed they would charge me a {$40.00} fee racking up more debt. They refuse to close this account and they keep charging me every month a small Finance fee that's two or three dollars that again, if I don't pay they will rack up a {$40.00} fee every month on that two or three dollars. Mind you the only reason I had this card in the first place was to purchase things from XXXX, this creditor was no longer affiliated with XXXX therefore I no longer needed it so when I paid it off it should have been done with but they continue to send me statements with a new balance every month with finance charges when I have called them over and over again about closing this account.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : late payment XXXX XXXX  XXXX XX/XX/XXXX {$280000.00} XXXX XXXX XXXX XX/XX/XXXX {$1500.00} XXXX XXXX XX/XX/XXXX {$4300.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} collection XXXX XXXX XXXX XXXX XX/XX/XXXX {$5100.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$5100.00} - XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$900.00} XXXX XXXX XXXX XX/XX/XXXX {$900.00} - XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX {$270.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$270.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1700.00} - XXXX XXXX XXXX XXXX XX/XX/XXXX {$1700.00} XXXX XXXX XX/XX/XXXX {$0.00} - XXXX XXXX XX/XX/XXXX {$3900.00} XXXX XXXX XXXX XX/XX/XXXX {$1400.00} XXXX XXXX XX/XX/XXXX {$4700.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$3100.00} XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - DO NOT DISPUTE RECENT INQUIRY XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - DO NOT DISPUTE RECENT INQUIRY XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX - DO NOT DISPUTE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - DO NOT DISPUTE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - DO NOT DISPUTE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX personal information Also Known XXXX XXXX XXXX XXXX XXXX Also Known As : XXXX, XXXX XXXX XXXX XXXX XXXX As : XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Previous Address XXXX es XXXX : XXXX XXXX XXXX XXXX, TX XXXX Employers XXXX XXXX XXXX XXXX XXXX  Employers : XXXX XXXX XXXX XXXX XXXX, TX XXXX : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items reporting that have not been updated to the correct status. 
XXXX XXXX exceed 7 years. 

XXXX has some questionable practices that seem to leverage the consumer. After calculating my loan I am on the hook for $ XXXX on a $ XXXX vehicle. 

XXXX XXXX XXXX paid in full. 

XXXX/Child support information where do I start, information is injurious to welfare. Information is no where near accurately reporting. 

XXXX XXXX XXXX is the only correct address listed among the 18 listed. 17 not mine. 

XXXX is my correct phone number the others are not nor have they ever been listed under my name. Remove obsolete personal information asap
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple inquires on credit report did not apply! 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Credit Union XXXX and XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Union XXXX TransUnion XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX Credit Union XXXX TransUnion
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

TRANSUNION XXXX XXXX has violated my rights. 

XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX has violated my rights. 

I looked at my XXXX, XXXX XXXX TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello on XX/XX/2020 I went on a site which was Rocket Mortgage to research some options and in order to proceed on the site they wanted me to put my social security number in a box. I put a dummy social security in the box because I checked the box that said " No time Frame ; I am Researching Options '' but they decided that they had enough information to run my credit without authorization. I received a letter from Quickens loans that states that I selected to have my credit run which is false. I believe sites are trying to hurt peoples credit by running a hard inquiry on people that are only researching. In addition ; I called XXXX XXXX who are the people that ran my credit as well as the people who did the investigation on my dispute. They gave me the information to contact Quicken loans and I spoke to a women named XXXX XXXX on XX/XX/2020 who I argued with because she told me that pulling my credit is disclosed on their website ; which I did not see and wasn't too worried about it because I knew that I was not going to provide my social security number. She mentioned that giving my name and some other info can allow them to pull my credit without providing my social security. However ; I asked her why would I want my credit pulled if Im just searching options and wasn't looking for a loan at this time. Nevertheless ; I would like this Hard Inquiry to be removed off of my credit report ASAP and I would like everyone to know and be aware of sites like this that are willing to pull your credit without authorization even if your just researching options.
Product: Credit card or prepaid card

on XX/XX/23 chase closed all my credit cards with them. I tried calling them and asked for an explanation and they simply said it was a business decision on their end. I then said since they closed the accounts no me of which I paid annual fees on were they going to refund my annual fees, They refused to pay any of the annual fees back on 2 of the 3 cards. one card the fee was charged 20 days prior so they said they would refund that card but the other 2 they said no because its more than 30 days after the fee was charged. I reiterated that I did not initiate closure and they are not giving me access to the card for the year so why should i be paying for annual use of a card that they have closed. The 2 cards were the chase southwest priority card {$140.00} annual fee, the other the united explorer mileplus card {$95.00} annual fee, the agent refused to refund any of the annual fees on those 2 cards, she kept repeating that they have the right to close the account at any time. which i understand I was asking for a refund of fees I paid since chase decided not give me use of the cards for the full term i paid for. the cards i was not paid back the annual fees for ends in XXXX and XXXX
Product: Mortgage

Hello, I am filing this complaint because I feel as though I'm being discriminated against by an underwriter employed with Huntington Bank because I am a XXXX XXXX American man. I have applied for mortgage loans and received multiple mortgages from other institutions for the purchase of a primary residence as well as for investment properties but my experience with Huntington bank has been like no other experience and disheartening to say the least. 

I have been subjected to several rounds of underwriter conditions after receiving multiple " clear to close '' letters and email communication from the Bank. I feel this underwriter is trying intentionally to sabotage my loan application in order to prevent me from purchasing a rental property. 

The conditions that the underwriter has set forth are not in compliance with XXXX XXXX XXXX underwriting guidelines and he is using XXXX bias and his subjectivity to create unnecessary loan underwriting conditions for no valid reason. I have returned documents several times and have completed everything that has been asked of me. 

On XX/XX/2020 I received a closing disclosure and a final clear to close. On XX/XX/2020 I had my bank account wire of {$47000.00} to the title agency that was handling our closing that was scheduled for Friday XX/XX/2020. Today on XX/XX/2020 I received a call indicating that the underwriting was asking for more conditions. This condition that he asked about was already resolved prior to Huntington Bank issuing me the preliminary closing disclosure and final closing disclosure in preparation for our scheduled closing of XX/XX/2020. 

I feel I am being singled out because I am a XXXX XXXX American man. I would like for the CFPB to look in my allegations to determine if the underwriter working my loan application 's conduct is illegal and inappropriate in regards to the mortgage lending regulations. I believe this underwriter is in direct violation and he and Huntington Bank are guilty of Mortgage Discrimination. My complaint is in no way aimed at the mortgage loan officer that took my file and worked with me during this process. This complaint is 100 % aimed at the underwriter.
Product: Debt collection

I called fox collections to resolve a debt. I asked if I could settle with a lower payment. I was told that the original debtor said that they couldn't take a settlement. I spoke with XXXX about a DOS of XX/XX/18 for {$230.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXXXXXX XXXX  XXXX, NC XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX Balance Owed : {$920.00} ; XXXX XXXX XXXX Balance Owed : {$360.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$690.00} ; XXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$180.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$810.00} ; XXXX XXXXXXXX Balance Owed : {$800.00} ; XXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My original Home Equity Line of Credit was transferred to Ocwen from XXXX XXXX XXXX XXXX. 
The loan was paid in full on XXXX XXXX, 2014. 
Although many attempts have been made, and Ocwen promised to send me a satisfaction of mortgage, it has not happened to date. 
This has costs me many hours of time, effected my credit, prevented me from obtaining loans and is still shows up as a lien on my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has failed to remove information that has had a material impact on myself after repeated requests to do so, and furnishing them with the requested information beyond what has been requested. 

I ask that these requests be honored, otherwise, other agencies, federal, state, local, XXXX, civil rights, state Attorney XXXX, and other may be contacted to correct the information or otherwise forced to do so in a court of law with a favorable ruling by a the presiding XXXX. 

The information listed is inaccurate, incorrect, done without my consent, permission, or authority, and I was otherwise unknown of the severity of the situation. 

Remove all requested information.
Product: Credit card

I was preparing to 'DISPUTE ' the results of [ Case # : XXXX ] company 's reply but it 'timmed out ' and now I get a message saying the account has been disabled. ( I first reset my password, read the response, it timmed out, now I can not access it. )
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Transunion credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance Owed : {$35000.00} XXXX  XXXX Balance Owed : {$1700.00} XXXX XXXX  XXXX Balance Owed : {$35000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax to remove XXXX from my credit report I sent over the letter from XXXX to have account deleted. Equifax never removed the account I request by fax XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with no results