23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have been contacted by XXXX XXXX of " the legal department '' of ARA , Inc., claiming to be a collection agency attempting to collect an alleged debt of which I have no knowledge. I did not find the alleged debt, " XXXX XXXX '', on my credit report. XXXX XXXX has contacted me numerous times by telephone : XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX And today I received the attached letter via XXXX. In the telephone conversations, XXXX XXXX raises his voice and demands immediate payment of the alleged debt under threat of immediate civil action without affording me an opportunity to dispute the debt or even inquiring about the nature of the debt. He claims the debt is for an account dated XXXX. Even if this alleged debt were true, and I emphatically do not stipulate that it is, the statute of limitations in Illinois for such civil action has long passed. I asked XXXX XXXX for his agency 's address ; he refused to provide it. I asked XXXX XXXX to provide validation of the debt ; he refused to send it. Furthermore, a search of the records of the Illinois Department of Financial and Professional Regulation yields no Collection Agency license for XXXX XXXX or ARA, or for XXXX XXXX, the ARA manager named in the letter. I believe this is an illegitimate, fraudulent attempt to collect a fictitious debt.
Product: Credit reporting or other personal consumer reports

RE : Unauthorized Credit Inquiry XXXX XXXX VIA DEALER Inquiry : XXXX. XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX  XXXX VIA DEALER Inquiry : XXXX. XXXX, XXXX  Finance/Personal ( XXXX ) XXXX XXXX XXXX VIA DEALER Inquiry : XXXX. XXXX, XXXX  Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX Inquiry : XXXX. XXXX, XXXX  Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX  Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX  Automotive ( XXXX ) XXXX XXXX XXXX I have recently obtained a copy of my credit report XXXX, XXXX, Equifax. It shows credit inquiry by your these company 's that I do not recall authorizing. It is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so. Please have this inquiry removed from my credit report because it is affecting my loan applications and making it very difficult for me to acquire credit. 
I have sent this letter through certified mail in as much as I need your prompt response to this issue. Please be so kind as to forward me documentation that you have already had the unauthorized inquiry removed. 
However, should you find that I am remiss and that you did not have my authorization to inquire into my credit report then please send me proof of this fact. 
Thank you very much. 
Sincerely,
Product: Debt collection

I have called and mailed letters on several occasions regarding accounts opened fraudulently in my name and I included the Official Affidavit form, Federal Trade Commission Identity Theft Report and Local Police Report. The company keeps on responding with a denial letter which changes each time. One denial letter will state that Merchandise was shipped to customer 's verified address which nothing was ever delivered to my address and I have asked for signatures to prove who was signing for these items which they never would provide. I also asked for a copy of the application in my name which they refuse to provide and also the information used to open the account does not match my information along with the security questions do not match my answers. I never applied for any credit card and there have been several opened with Synchrony Bank and they refuse to accept that this is Identity Theft. The other denial letter states that the account opened greater than 1 year with verifiable payment history which they say was made using a XXXX XXXX  account. I have never had a XXXX XXXX  account and have definitely not made any payments to this company. They also state that customer benefited from use of card/participated in the purchases. I have never even received a credit card from this company and have definitely not participated nor benefited from any purchases. Synchrony Bank is a Fraudulent company who refuses do accept that I am a victim of Identity Theft.
Product: Credit card or prepaid card

When I log into my account BOA is not allowing me to dispute a transaction charge online. It keep referring me to call customer service dispute direct. 

I tried disputing a charge for {$17.00} REF # XXXX / XXXX
Product: Mortgage

I purchased a home with a mortgage loan through XXXX XXXX Loans in XXXX of XXXX. My loan was assumed by Franklin American Mortgage shortly thereafter. On XXXX XXXX, XXXX, I was notified by mail of an escrow shortage of which included a {$3400.00} in late fees which were labeled as " taxes '' on the statement. Further investigation on my part determined this late fee was assessed by the XXXX XXXX ( XXXX, TX ) Appraisal District because they had not been notified by FAMC of the loan servicing transfer. I understand that I am responsible for taxes but not a late fee caused by FAMC 's failure to notify the tax office. 

After months of calls and discussions with FAMC, I 'm unable to reach a resolution, even after the XXXX XXXX XXXX XXXX explained what happened to FAMC. I ca n't believe that I 'm the only customer this has happened to. Please help! It 's sad that customers have to spend this much time resolving an issue. Why has n't the lender been proactive?
Product: Mortgage

Im requesting for Carrington Mortgage Services to investigate the enclosed Assignment of Mortgage and transfer from XXXX. 

XXXX XXXX XXXX XXXX was also [ n ] ot licensed or registered to operate in the State of New York according to the New York State  of Department of Financial Services ( DFS ) on XX/XX/2011, whom can be reached for verification of this fact at ( XXXX ) XXXX or toll-free ( XXXX ) XXXX ( Monday through Friday, XXXX XXXX to XXXX XXXX  ). 

XXXX can not demonstrate an agency relationship between itself and the note holder that gives XXXX the authority to transfer assignments from one entity to another. Furthermore, it would be against XXXX procedure of operation to make an assignment yet XXXX acknowledges in its very own Procedures Manual that it can not make any transfer of assignments to another. XXXX own admission : XXXX  can not transfer the beneficial rights to the debt. The debt can only be transferred by properly endorsing the Promissory Note to the transferee. ( Page 63 ).
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and to demand immediate corrective action regarding ongoing inaccuracies and discrepancies across the XXXX credit reporting agencies : TransUnion, XXXX, and XXXX. Despite previous dispute efforts, these agencies continue to report inconsistent and incorrect information, affecting my credit profile and causing significant distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts, an address, and inquiries that are listed on XXXX credit reports that do not belong to XXXX, nor do I have any knowledge of them. Please remove them in its entirety from XXXX credit.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 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 XXXXXXXX and list of Inquiries XXXX U.S.C XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Trans Union On XX/XX/year>, I, XXXX XXXX, assert that I have fallen victim to identity theft, elucidated by a series of events, and do hereby state the following is true. 

I have a history of being a victim of fraud, as evidenced by my previous FTC complaint # XXXX. Currently, I am a victim of fraud again and have filed a new complaint # XXXX involving the following accounts and inquiries that were fraudulently obtained under my name. I am seeking to have this information removed from my identity. 

Accounts : 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. 

Thank you for your prompt attention to this matter. 

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

I am writing to formally submit a complaint that Transunion is reporting fraudulent employment information on my TransUnion credit report. This incorrect information is causing significant harm to my credit standing and personal reputation, and it must be corrected immediately. 

Disputed Employment Information Employer Name : XXXX XXXX XXXX Employer Name : XXXX Basis for Dispute Incorrect Reporting : The above-mentioned employment details are entirely false. I have never been employed by these companies. 

Supporting Documentation Enclosed with this letter, please find the following documents to support my dispute : 1. Copy of my Credit Report Legal Basis for Dispute Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to dispute inaccurate information on my credit report and expect a reasonable investigation by TransUnion. Furthermore, 15 U.S.C. 1681s-2 obligates furnishers of information to provide accurate data to credit reporting agencies.
Product: Credit reporting or other personal consumer reports

I have unauthorized inquiries on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX PayPal XXXX
Product: Credit reporting or other personal consumer reports

credit score dropped 100 points i did not authorize these transactions my identifty was sotlen a few months ago and i know this is part of that
Product: Credit reporting or other personal consumer reports

I have disputed this account last month and it came back verified.

I have written to dispute the accuracy of information on my credit report. According to the Fair Credit Reporting Act FCRA Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report. 
According to FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) 15 U.S.C. 1681e ( b ) 15 U.S.C. 1681c 15 U.S.C. 1681i 15 U.S.C. 1681n All these laws should be applied when it comes to my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : 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 XXXXXX/XX/year> 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. Transunion must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct erroneous reporting in my file is listed on my credit report : XXXX  XXXX Date opened XX/XX/2021 Balance {$200.00}
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX Balanced {$0.00} XXXX XXXXXXXX Balanced {$0.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XX/XX/year>
Product: Credit card or prepaid card

On XX/XX/2022, I applied for a credit card account with Discover. This was my first time applying for a credit card ( I just got my SSN ) and my credit card application was supported. And after that, I also signed Form 4506-C, but on XX/XX/2022, I was notified that my account was closed because Discover could not verify my personal information. I can guarantee that I filled in the correct information, but my card is only kept for two weeks, which will seriously affect my record as a credit novice, and it may be difficult for me to apply for this credit card again.I don't think it's my fault, and Discover damaged my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX Credit Bureaus are becoming careless with their responsibilities and duties when it comes to validating the information being reported on a consumer 's credit report, despite all the letters and CFPB complaints I have been making to the credit reporting agencies. I have experienced identity theft, and I am confident that this crime is what led to the queries that the XXXX and XXXX Credit Bureaus have recorded. The Credit reporting Agencies are mandated by FCRA section XXXX to delete any profile and information that were the product of identity theft. On XX/XX/XXXX, I sent a letter to the credit bureaus requesting that they take the unsubstantiated queries out of my credit record. The Credit Bureaus continued their unverified reporting despite all of my letters, which is a blatant violation of my rights under FCRA section 604. I have filed a complaint with the CFPB to have the following improper and unverified credit inquiries removed as soon as possible : XXXX. XXXX XXXXnquiry : XXXX XXXX, XXXX XXXX. XXXX Inquiry : XXXX XXXX, XXXX XXXX. XXXXXXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX. XXXX Inquiry : XXXX XXXX, XXXX XXXX. XXXX Inquiry : XXXX XXXX, XXXX XXXX. XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX
Product: Student loan

Paid loan payment as required, and requested consolidation, loans were consolidated, requested forbearances, forbearances were denied. Continued to make all payments and then loan servicing acted as if forbearances had been granted an added thousands of dollars in charges and interest to the loan amount. Loans should be paid in full, but loan servicing says we still owe the thousands of dollars added under the non-approved forbearances.
Product: Debt collection

On XX/XX/2018 I was contacted by someone claiming they would be serving papers for check fraud and I needed to be at my home at a certain time of day. I was told if I was not there to be served, a warrant would be placed for my arrest for check fraud for a debt nearly 15 years old. With the holidays, I was unable to be at home during that time and was told my only other option was to sign a payment agreement. I asked for a proof of debt and was told none would be given in writing unless I was served with the papers, and that I could not request them. 
I asked for details about the charges they were serving papers for. The lady advised that they had me down for felony check fraud, as well as a few other things, and that the minimum sentence was at least a year served. Panicked, especially with a new baby, I consented to the signing the payment agreement without doing further research. At this time, Ive paid them around {$600.00}, and have taken steps with my bank to dispute those charges and cancel the upcoming payment of {$1200.00}. 

The debt in question was well beyond the statute of limitations. This was intentionally misrepresented, I was threatened with jail time, and forced to sign a document quickly to avoid being arrested. They refused to provide a proof of debt or give any additional information about the money owed to a payday loan lender. 

I have contacted the initial creditor, and this is NOT the company that they have authorized to collect a debt on their behalf. This IS a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove XXXX XXXX from my account for Violations and Inaccurate Inaccurate of open day Inaccurate of payment history Inaccurate balance This is a Violation
Product: Credit reporting or other personal consumer reports

Experian refuses to update the XXXX XXXX XXXX account as CURRENT! I have said repeatedly that this account is not late! XXXX is reporting as CURRENT and never late! 

This is a violation of 15 USC 1681e ( b ) and 15 USC 1681i ( 5 ).
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
EQUIFAX 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: Money transfer, virtual currency, or money service

I went online and ordered a platinum secure debit card. Capital one never reached out to me and I noticed weeks have went by. I call Capital one and they said I need to prove who I am because of a fraud alert on my name. I did everything and proved that I am who I said I was and they agreed and still wouldnt send me my card. I called again and they gave me a second round of lies and made me resubmit everything again and I did. Then another month go past and I said I just want my deposit return as they agreed. They promised that the deposit will go back into my account in 3 business days. I called back in a week and said I never received my refund and they said they mailed me a paper check. Weeks go past and I called and they said that I have a different mailing address that is on file but mind you they verified my address and all my information all in the same paragraph. I was blown away with this and I asked to speak with a supervisor and I did. She lied and talked around me and promised another 10 days that my refund will be in my mail. 3 weeks go by and now theyre just yelling at me because Im explaining how I been lied to by staff and why will they not return my deposit. I was hung up on and constantly lied to and now months has past and Im still being treated so so so unfairly by this bank I cant believe this and some employees that work there keep apologizing but sent me back to a previous supervisor that again lied and hung up on me cause the call was taken to long and she didnt want to talk any more. Please I want to sue them and I need this to be addressed now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have placed a formal complaint with the CFPB in regards to Chase Mortgage. The complaint was made on or about XX/XX/2021. My request was to have my mortgage properly reported to the credit bureaus. Chase contacted me the next day stating that they complaint would be reviewed. I provided Chase with the documentation requested to get the credit report corrected. Then sent the information on the payments to the credit bureaus based on the recommendation of Chase Bank. A letter was mailed with the document requested to reaffirm the loan and the bank claimed that they did not obtain the document by mail. The steps after that I contacted Chase and submitted the reaffirmation via electronic upload. This was done three times and was advised that the documents were received but every time the bank was contacted a representative gave information that conflicted and has not been resolved. I have contacted the Bank over 7 times by phone and submitted 2 uploads to the secure message and sent four messages back. The bank is aware that I want to get my credit properly reported on the credit reports. The request has been delayed either on purpose or to unlawfully harm me as the actions have hurt my credit report. I am seeking that my credit report be corrected immediately. Chase does not want to update my loan as they are keeping me hostage with a lower credit score. I was advised that the reporting of the loan with a reaffirmation would resolve the matter and raise my score and allow me to qualify for lower rates. In the last month the interest rates have increased and the bank continues to not correct the issue. The bank is using their power to abuse the system and fraudulently not report my payment history.