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

I have mailed in 3 certified letters over to your company several times. I have documents to prove that these letters were mailed out on the specific date. I have tried contacting you through mail, phone, and fax. I know the law states that we the consumer are to wait patiently 30 days during an investigation dealing with a credit file. Well its well over 30 days and at this point I have no more patience at this time. I am in distress and have been diagnosed with XXXX over time period it has taken for a response and an internal investigation on your part. The photos that I have attached to this letter arent mine and I am disputing these attached photos as an internal dispute which is required only 2 business days. Since you decided to break the law and mistreat a consumer I have all rights to specify how I want this investigation to go and if you have a problem with it I would love to take this situation to court and settle for lawsuit against your company. This hasnt been the first time your company has been under fire and scrutiny for breaking the law and it seems like you continuously repeat the same old mess by placing erroneous information on consumers credit file and sell credit files over to 3rd party companies. In this instance I caught it and realized that these accoutns arent mine and they seem to be fraudulent and all are error that are reporting on my credit. The photos include the name of the deogratory accounts, inquiries listed on my credit file that I have no clue about. I will be following up in 2 business days and if this situation is resoluted by the time I will highly upset and forced to take matters into my hands and contact my legal team.
Product: Debt collection

The car was bought when I went out of my resident State of Ohio to work in Alaska. The ideal was to use the car there. however, The car was left at the partking lot of the airport  and it was during the time of Covid and was not able to go back for the car. Hence didi not see the car again. I call Capital one and explain the situation to them.. 
Am sure we can go back in time to verify exactly what happend .It was parked at XXXX parking lot close to the airport. I did not use the car not for a month before the incident occured
Product: Debt collection

DEAR DEFENDANT : UNITED REVENUE LLC STOP VIOLATING THE FDCPA USC 1692D I HAVE NO BUSINESS WITH YOUR COMPANY IM ASKNG YOU TO REMOVE THIS ALLEGED ACCOUNT FROM MY CONSUMER REPORTS. CEASE & DESIST FROM REPORTING IMMEDIATEDLY TO MY CONSUMER REPORTS XXXX XXXX XXXX, I HAVE NO KNOWLEDGE OF THIS ALLEGED DEBT PLEASE STOP HARRASSING ME AND FALSE REPORTING IF YOU FAIL TO COMPLY WITH THIS LETTER, I WILL MOVE TO LITIGATION FOR TREBLE DAMAGES.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I randomly received a text from cash app stating my account had been closed. Ive not done anything to violate their terms of service. They need to be fined and charged for abusing a long time customer and closing my account. 

When I reached out to support they did nothing but respond with a generic message and a link to the Terms of Service. I have reviewed the terms of service and have not violated their terms and hardly even use my account. So they need to provide proof to myself and to the CFPB of terms that were broken or reopen my original account. 

Ive never in my life, and I worked in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Im a XXXX  and Im also XXXX XXXX XXXX XXXX so I dont break the law or do things that would be considered illegal. 

This is a form of corporate abuse on consumers.
Product: Debt collection

I received a letter that was dated on XX/XX/23 account was not verified.
Product: Credit card or prepaid card

I bought a american express bluebird card and have never been able to use. American express says card does not exisit and XXXX says it is active. But money has never been added and No one knows where My XXXX dollars are. I have enclosed all the documents and contact info from everyone I have talked to sinceXX/XX/2020
Product: Mortgage

I receiv  ed a letter from Ocwen Loan Servicing LLC stating they charged me {$66.00} for inspection fees.
OCWEN   has failed to properly service my loan from the time they took over servicing from  XXXX  in  XXXX   2013 . From da  y ONE they have had problems and have failed to acknowledge the errors in a timely manner.
They have falsely applied charges to my account and have not properly adjusted the balance once the errors were reported.
I called them many times and explain to them base on my Original Note, the only time Ocwen can charge me inspection fee is if I defaulted on the loan. ( Please see attach document item 14 page 13 ). It states : 14.Loan Charges. Lender may charge Borrower fees for services performed in connection with Borrowers default, for the purpose of protecting Lenders interest in the Property and rights under this Security Instrument, including, but not limited to, attorneys fees, property inspection and valuation fees. In regard to any other fees, the absence of express authority in this Security Instrument to charge a specific fee to Borrower shall not be construed as a prohibition on the charging of such fee. Lender may not charge fees that are expressly prohibited by this Security Instrument or by Applicable Law.
If the Loan is subject to a law which sets maximum loan charges, and that law is finally interpreted so that the interest or other loan charges collected or to be collected in connection with the Loan exceed the permitted limits, then : ( a ) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit ; and ( b ) any sums already collected from Borrower which exceeded permitted limits will be refunded to Borrower. Lender may choose to make this refund by reducing the principal owed under the Note or by making a direct payment to Borrower. If a refund reduces principal, the reduction will be treated as a partial prepayment without any prepayment charge ( whether or not a prepayment charge is provided for under the Note ). Borrowers acceptance of any such refund made by direct payment to Borrower will constitute a waiver of any right of action Borrower might   have arising out of such overcharge I asked them many times if I ever default on my loan? They answered no so in that case they do not have any right to charge me inspection fees.   I called  XXXX   XXXX  at  XXXX  twice and left a message.
Product: Debt collection

Waypoint resource group put a negative on my credit without sending me a bill for the correct amount owed How can I pay a bill if I do not know what the amount I owe is
Product: Prepaid card

I claimed a few weeks of unemployment in XX/XX/2021, was approved, funds were placed on a reliacard then immediately frozen, when I inquired about the reason for this my account was deactivated. Reliacard claims the government agency that allocated the funds, deactivated my account. Unemployment office tells me they have no knowledge of my account being frozen or deactivated. Nor do they have the authorization to do anything to my reliacard account in anyway. They simply contracted us Bank reliacard to distribute funds. Reliacard insists there is nothing they can do. I've called close to if not more than 100 times since 2021 trying to get a straight answer about what I need to do to access my money. I've pleaded with them when I was getting evicted from my house, losing my storage unit with everything I own in it. I was willing to do whatever they needed me to to verify my identity, I've spoken to the unemployment dept. After almost every call made to Us Bank. I've gotten answers as to why my funds are being held or how to obtain them. They did send me an envelope full of Bank statements for every month they've had my money. But it's useless. {$1500.00} isn't an enormous amount of money but had I received it when I applied for it I doubt I'd be homeless right now.
Product: Vehicle loan or lease

I turned my leased vehicle in and was told I owed nothing. Shortly after, I began to recieve phone calls during my work hours about my account. I asked the representatives to call me at a time more convenient for me to discus but those calls never came. I then recieve a statement while I was out of town for business. Indicating that if I did not pay a delinquency would be reported toy credit. Before I had a chance to resolve the balance a delinquency was reported. This is now affectiving my work because I am required to maintain certain licensing that had credit requirements. I am also in the process of purchasing a home and this has had an adverse affect of that process. I called XXXX and explained my situation to them. I requested that they remove the late payment and offered to pay the bill in full immediately. I was told they could not help me and I was told by an agent that they tried calling me several times and I was hanging up on them ( which is not true ). I was able to escalate to a supervisor who offered no help. He said it's my responsibility to pay the bill and that he would do nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I had taken out a payday loan with Check into Cash. It has always been a soft inquiry on a credit report and they tell you that it will only be a soft inquiry. 
In XX/XX/XXXX, I had applied for a credit card and was denied because of to many inquiries on my XXXX report. After looking into it, I found out that I had two hard inquiries from Check Into Cash from XXXX, one in XXXX and one in XXXX. 
In XX/XX/XXXX, I went to the store, and was needing to do it again. I asked the ladies at the store about the hard inquires and they insisted that it should never be a hard inquiry and that some other people were having issues with this also. After taking out the loan, I got a notification about an inquiry on my report. Sure enough, it was a third hard inquiry from Check Into Cash. 
When I went in to pay off the loan, the lady said that she had spoke with her boss and any problem on the credit report was on XXXX 's end. I contacted XXXX and they wanted a letter from Check Into Cash stating the inquiries should not be hard. Check into cash sent a letter about the XX/XX/XXXX inquiry, but not the other two. XX/XX/XXXX has now gone off but the other two still remain on there. 
This has had a negative impact on my credit score for the last two years, and I would like to get this issue resolved for me and anyone else that this has affected. 
Thanks
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit report goes down every time you apply, really! 
First bank of America send all thier junk advertisement to me in mail. Then I apply, they deny, was going to transfer balance from XXXX  cause of thier XXXX XXXX. Mostly caused by in my opinion by staff reductions.they didn't allocate my payments as I wanted, now last month they did but still not for month before. The bank spent lots of money trying to get me tp apply for thier credit card. So why deny and reduce my credit score, big old scooge for sure like XXXX XXXX! Stay away from XXXX XXXX, know first hand they are deceiving and dirty! 
Get that hard check off my record by bank of america. 

Then XXXX credit application denied by XXXX. Already have card with XXXX. 
XXXX said, get XXXX dollars from XXXX and 12 months free payment plan with XXXX  XXXX. Got denied by XXXX. So Now I put it under my XXXX  XXXX. The purchase. 
In may, I will transfer XXXX  balance to XXXX. Those applications should not bring my score down, its a gimmick by card companies and banks. Get that credit denial off my record, it was better deal, free XXXX dollars and no interest payment plan. Big business advertisement. We get punished? What's wrong with the America. Get chase credit check off my record! XXXX represenative told me go to credit bureau, ok, so I did!
Product: Debt collection

COLLECTORS ROBO CALLING ME 16 TIMES AFTER CEASE COMMUNICATIONS AT AUTOMATIC STAY IN BK XXXX. I HAVE SCREEN SHOTS AND ROBO CALLING VOICE RECORDINGS ... MY WIFE AND I.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below 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, credit repair services, or other personal consumer reports

I have some unknown addresses and accounts that are on my credit report. I have never done business with BCG EQUITIES LLC/ XXXX XXXX XXXX XXXX XXXX XXXX . I was told to file a report with the FTC and XXXX police for this fraudulent account.
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.

And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX  XX/XX/2024 XXXX  XXXX XX/XX/2024 XXXX XX/XX/2024 XXXX XX/XX/2024 XXXX XX/XX/2024 XXXX XX/XX/2024 XXXX 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 seven 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

The information in my credit report is incorrect and it continues to affect my credit score. I have attempted to come to an agreement with the creditors to no avail. I was younger when my credit score decreased and I have taken steps to correct it, including paying off and closing the accounts myself. I need assistance in this matter so that I can increase my credit score. This inaccurate reporting has diminished my chances of obtaining new credit, which is a major problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was impacted by the security breach of Eqauifax.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XX/XX/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 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 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/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion continues to us stall tactics and not address my demands for relief. The keep sending my computer generated letters stating I am working with third party credit repair agencies after I send them ID with every correspondence. Using personal computer software to aid in typing, does not constitute a credit repair company. This is an ongoing problem an I demand it cease.
Product: Debt collection

I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally * Signed HIPAA form This is a form of HIPAA violation.

If they are saying it is verified then where's my proof? What methods are you using to verify?
Product: Credit card

Someone filed a Discover Card Application under my name without my knowledge or authorization which was approved by Discover. I received a notification in the mail from Discover Card, XXXX XXXX XXXX XXXX, XXXX, DE XXXX, dated XXXX XXXX, 2025, XXXX # XXXX. Per my XXXX Credit Report, Discover performed a hard inquiry on XXXX XXXX, 2025 as Discover XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, DE XXXX, Ph : XXXX & listed on record until XXXX. My XXXX Credit Report shows a XX/XX/year> Inquiry from Discover XXXX XXXX XXXX XXXX, XXXX, IL XXXX. On XXXX XXXX, 2025, at XXXX EST., I called Discovers listed Ph : XXXX on the Mail notification, spoke with an XXXX who said she closed the account but had no reference number to provide. Per XXXX the card ended in XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to express the profound impact that recent events have had on my life, stemming from inaccuracies in my credit reports held by Experian, XXXX, and XXXX. Under the protections granted to me by the FCRA and FDCPA, I submitted a notarized affidavit to each agency to rectify these errors and uphold my rights to privacy and fair treatment under the law ( 15 USC 1681s-2, 15 USC 1692c , 15 USC 1681c ( a ) ( 2 ) ( B ), 15 USC 1681e ( B ) ). 

Regrettably, despite my efforts, I have yet to receive any resolution or acknowledgment of my disputes. This lack of response has not only deprived me of my legal rights but has also caused significant distress. When attempting to follow up on my submissions, I have been disconnected and faced persistent issues accessing my accounts, exacerbating an already challenging situation. 

The repercussions have extended beyond mere inconvenience ; they have impacted me financially and emotionally. The uncertainty surrounding my creditworthiness has caused undue stress and mental anguish, affecting both my personal and professional life. 

I am reaching out in earnest hope of receiving the necessary assistance to address these matters promptly. It is my earnest desire to be treated fairly and equally under the law, to be provided with the remedies I am entitled to, and to rectify this situation without further delay. 

I kindly request immediate attention to this urgent matter and look forward to your swift response.
Product: Credit card or prepaid card

Revolving balance previously {$570.00} at 9.99 % was moved to higher rate of 23.07 %, after charge of {$740.00} was charged at higher rate on XX/XX/XXXX18.  However, this charge of {$740.00} was also paid in full on XX/XX/XXXX18, in additional to and above minimum payment of {$27.00} ( totaling {$95.00} - paid XX/XX/XXXX and XX/XX/XXXX ). Was told we paid the higher rate balance too soon ... and should have  waited for billing statement to generate so system could apply it at higher rate. Advised that is not what the CARD ACT states. If I charge {$740.00} and then pay in full the entire amount the same month or in this case weeks later, the revolving balance should not be moved to higher rate. We should not have been penalized for paying ( a higher charge balance ) too soon. Seeking to have funds applied as intended and as CARD ACT states, payments should have been applied to higher balance first. At this point, payment application needs to be reversed and reapplied to higher rate first, regardless of when " statement generate '' date is. There is no exception for a " statement generate date '' in Card ACT and doesn't appear to have been the intention of same. Which means many others are also being negatively impacted by this systematic error in programming done by Capital One/Cabela 's