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

Discover financial services- Inquiry XX/XX/2021 This is a fraudulent inquiry on my credit report Ive been trying to get it off for months now I reached out to all 3 credit bureaus and the company about this
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XX/XX/2024
Product: Credit card

On XX/XX/XXXX I called Capital One credit card customer service and requested the removal of late fees charged to my account in XX/XX/XXXX and XX/XX/XXXX. I spoke with XXXX at approximately XXXXXXXX XXXX  CST and my call was escalated to XXXX, whom I spoke with at approximately XXXXXXXX XXXX CST. I made payments to the card account on the due date in both instances, yet, Capital One has charged me late fees and has refused to remove those late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a bank account with XXXX XXXX XXXX XXXX, who made an inquiry to Experian. Even though I only opened a bank account, and I did not apply for any type of credit, the inquiry was reported to Experian as " credit granting ''. This has caused the inquiry to appear on my credit report as a " hard inquiry ''. The description on the credit report is incorrect. I attempted to dispute the characterization of the inquiry with Experian, but I was told that inquiries could not be disputed. This is a violation of section 611 of the FCRA, which indicates that " any item '' can be disputed.
Product: Debt collection

I paid this account off almost 3 years ago and it has not been removed off my credit report. I tried calling the customer service department this week  XXXX - XXXX  ( I can not recall which day ) to see if they could help me out by removing this off my credit report since it has already been paid off but they rudely said they could n't help me and that they would not remove it off my report. The customer service was very rude to me when I tried to talk to them and ask them if they could help me out by taking it off for me. I asked to speak to the manager but they also treated me very rudely and also said he could not help me out. I would like for this charge off to be removed because it would help increase my credit score and it would allow me to qualify for a home that I am trying to obtain for my family.
Product: Credit reporting, credit repair services, 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX, XXXX. 
Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX has violated my rights. Or the list of inquiries 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 an 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 or 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: Debt collection

XX/XX/XXXX, and XX/XX/XXXX and XX/XX/XXXX I sent and contacted XXXX XXXX  and advised them that the accounts they are reporting on my credit report. I sent a theft affidavit to the credit bureau 's and to XXXX XXXX advising them that this was not my account. Each time XXXX XXXX  is saying that the account is mine but I advised them that I had XXXX during the time my identity was stolen and this account was opened. I have done everything on my part by sending them the report letting them know this account is fraud and they are still reporting it. I was told to contact Mountain America and Mountain America informed me to call XXXX XXXX  at this point this I just need one of the companies to resolve this. I have never had a account or accounts with this company. Someone stole my identity and opened up my account
Product: Debt collection

Received a letter about a medical debt from Holloway Credit Solutions out of XXXX, AL the letter stated I have until XX/XX/XXXX to file for financial aid. Within the 30 days they would not contact me. XX/XX/XXXX they are contacting me. I asked to speak to a supervisor, they refused to transfer me and hung up. I called back and they continued to hang up and will not transfer me to a supervisor.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX TransUnion is XXXX XXXX XXXX XXXX, PA XXXX XXXX : Demand for Payment for FCRA Violations Dear Representative, I am writing to assert my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. As a result of Equifax 's violations of the FCRA, I am seeking statutory damages. Equifax failed to verify the disputed item and maintain reasonable procedures to ensure the accuracy of consumer information.

Specifically, Equifax violated : 15 U.S.C. 1681e ( b ) by failing to maintain reasonable procedures to assure maximum possible accuracy of consumer information. 
15 U.S.C. 1681i ( a ) by failing to conduct a reasonable investigation of a dispute.

Pursuant to 15 U.S.C. 1681n ( a ) ( 1 ) ( A ), I am entitled to statutory damages of {$1000.00} for Equifax 's willful noncompliance with the FCRA. Recent court decisions, including XXXX v. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Fed. XXXX. XXXX ( XXXX Cir. XXXX ), supports this claim. 
As demonstrated in XXXX XXXX Equifax Information Services LLC ( XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX, Equifax 's failure to maintain reasonable procedures and verify disputed items constitutes willful noncompliance with the FCRA, entitling me to statutory damages of {$1000.00} pursuant to 15 U.S.C. 1681n ( a ) ( 1 ) As a result of these violations, I demand payment of {$4000.00} in statutory damages XXXX XXXX Equifax Information Services LLC ( XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX : Equifax 's deletion of inaccurate information constitutes an admission of liability for failing to maintain reasonable procedures. 
XXXX v. Equifax Information Services LLC ( XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX : Equifax 's deletion of disputed items admits willful noncompliance with the FCRA. 
XXXX v. Equifax Information Services LLC ( XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX : Equifax 's failure to verify disputed information led to deletion and {$1000.00} statutory damages. 
XXXX v. Equifax Information Services LLC ( XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX : Equifax 's deletion of disputed items constitutes admission of FCRA violation. 
XXXX v. Equifax Information Services LLC ( XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX : Equifax 's deletion of inaccurate information admits failure to verify disputed information. 
I request that Equifax take immediate action to correct my credit report and provide payment within 7 days of receipt of this letter. 
Please find my account information below : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX Tennessee XXXX Equifax Confirmation Number : # XXXX # XXXX If I do not receive payment within the specified timeframe, I will take further action to protect my rights under the FCRA. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

They reporting that I owe a debt but I asked them to send me the original contract bearing my signature and their and I still have not received it
Product: Checking or savings account

On or about XX/XX/XXXX my bag was stolen and my cell phone was stolen as well. this person or persons used my phone to access my digital wallet and was able to take my money from my chime account using different digital platforms. 

over XXXX was taken and i immediately reported it to the authorities and to chime. XXXX then I have submitted several disputes and the financial institution refuses to give me back my money. there were also disputes for XXXX XXXX that were filed during this same incident and those were in my favor. I have asked several times why this particular dispute was in my favor but the subsequent unauthorized transactions were not. to no avail. I have requested the docs used to make the determination and over and over they deny deny deny and only send me the docs i provided as proof. Included are police reports correspondence with the police. screenshots and statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

Background report. The only charge that is a felony is the possession of cannabis, the other two charges listed should be misdemeanor charges per court documents that also stated the plea was NO CONTEST, not GUILTY. In this report all charges are listed as felonies and GUILTY that is incorrect.
Product: Mortgage

Mortgage payments made monthly since loan modification in 2014. Was notified by XXXX XXXX XXXX XXXX in XXXX that a past due amount was owed {$6700.00}. XXXX XXXX XXXX XXXX is sub serviced by M & T Bank in which that is where the loan payment has been going. I have copies of every payment made since 2014.
Product: Checking or savings account

I am having a checking account with Huntington Bank. There were a lot of unauthorized transactions ( transactions withdrew from my checking account without my permission and I did not authorize the transactions, and I did not know about the transactions. The transactions are as follows : On XX/XX/XXXX, XXXX XXXX unauthorized withdrew {$1500.00} from my checking account. 
On XX/XX/XXXX, XXXX XXXX unauthorized withdrew {$1500.00} from my checking account. 
On XX/XX/XXXX, XXXX XXXX unauthorized withdrew {$360.00} from my checking account. 
On XX/XX/XXXX, XXXX XXXX unauthorized withdrew {$1600.00} from my checking account. 
On XX/XX/XXXX, XXXX XXXX unauthorized withdrew {$1600.00} from my checking account. 
On XX/XX/XXXX, XXXX XXXX unauthorized withdrew {$270.00} from my checking account. 
On XX/XX/XXXX, XXXX XXXX unauthorized withdrew {$1600.00} from my checking account. 
On XX/XX/XXXX, XXXX XXXX unauthorized withdrew {$280.00} from my checking account. 
On XX/XX/XXXX, XXXX XXXX unauthorized withdrew {$1700.00} from my checking account. 
On XX/XX/XXXX, XXXX XXXX unauthorized withdrew {$280.00} from my checking account. 
On XX/XX/XXXX, XXXX XXXX unauthorized withdrew {$300.00} from my checking account. 
The total amount unauthorized withdraw from my checking account is {$11000.00}
Product: Student loan

I received my XX/XX/XXXX billing statement fewer than 21 days prior to the billing due date. I was not notified of this until I received an email on XX/XX/XXXX notifying me of that occurring and that my account had been placed in forbearance starting in XX/XX/XXXX until XX/XX/XXXX. At that point the forbearance period was over. It is now XX/XX/XXXX and I have not received a statement for my payment due on XX/XX/XXXX, XXXX so again I will be not be receiving a billing statement until fewer than 21 days before the due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is in violation of the Cares Act 15 USC 9051 I've sent a letter this ask Please remove all late payments and change the payment status to current because of the Cares certified mail XX/XX/2021, and the company has yet to respond nor updated the the report. Here It is 62 days later and no update. No even a response to my letter. Which is completely unacceptable. Which is also in violation of 15 USC 1681b
Product: Checking or savings account

because my account has been frozen if it is my account and I don't have to see anything about it, I have been receiving my payments for two weeks and they have everything that I can't even withdraw or anything and my bills and my children don't know how to wait because they don't know what's happening. On XX/XX/XXXX, they withheld my work payment of {$1600.00} and on the XXXX they also withheld all the payments that entered my account. A dollar comes in and a dollar they grab I'm already tired anyway right and you can't help I need my money to pay my rent every time I buy food for my children and pay off all my credit cards I feel like my hands are tied
Product: Credit reporting or other personal consumer reports

BE ADVISED, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
The following companies whom have not sent me proof of contract from original collector providing proof of debt are XXXX XXXX XXXX WAKEFIELD & ASSOCIATES, XXXX XXXX XXXX  Due to these company getting a charge off tax write off and profit with this account I was supposed to by law receive a 1099 from this company that I have requested which the law states any write offs over {$600.00} is my right to be given, I was never mailed a copy of this 1099 for this alleged debt. At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ). If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity shall CEASE and Desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.
Product: Debt collection

I used to have an account with XXXX for wireless services. In XX/XX/2021 I purchased a new device for {$830.00}. XXXX double charged me. One charge for {$830.00} and another right after for {$820.00}. I contacted XXXX to let them know and I got the runaround for over a month. XXXX kept saying that they would refund the accidental charge. When I realized that they would not I contacted my bank and submitted a claim. I also closed my account with XXXX as of XX/XX/2021. My bank was able to recover the funds from XXXX but after that, they stated that I owed them those funds. They have clearly stated that it was an accidental double charge and they would refund the funds but did not. I have the chat logs. Now I have a collection agency contacting me stating that I owe them those funds. I challenged them and they just sent me a validation letter. All the validation letter is a copy of my XXXX bill. I provided the collection agency with bank statements showing the double charge, chat logs showing XXXX tech support stating that they owe my a refund, The complaint form I filed with my bank and the bank statement of when the funds were recovered. I do not know what to do now.
Product: Mortgage

We have a HELOC loan that originated with Specialized Loan Servicing that was recently sold to Shellpoint mortgage services. Since the switch, Shellpoint has been unable to successfully apply any of out payments to our loan AT ALL. We are receiving correspondence indicating we are behind on payments because they can't seem to apply the payments correctly. We have called 3 times and left complaints on the website and are told " we are having problems with the HELOCs ''. They are unable to give me any more information than this. 
Also, the interest calculations and the original balance on the account are wrong and we suspect foul play.
Product: Mortgage

I purchased a home XX/XX/XXXX with XXXX through Umpqua. The loan was for $ XXXX on a home appraised for $ XXXX. I was told prior to signing papers that I could get PMI removed without another appraisal if I reached XXXX % loan to value ratio within 6 months. On XX/XX/XXXX, I received letter from Umpqua stating the same thing. On XX/XX/XXXX, I mailed a check for {$40000.00} along with letter requesting removal of Private Mortgage Insurance. Umpqua applied the $ XXXX to my principal, but did not remove PMI. On XX/XX/XXXX, I got on the phone and got in touch with loan manager. She stated that the original letter was incorrect, that PMI was figured off the sale price of the home, not the appraised value. Loan manager said that a corrected letter would be in the mail, but I have not received such letter. She requested that I send {$8500.00} more dollars, and that she would take care of getting PMI removed. On XX/XX/XXXX, {$8500.00} I have sent this payment along with another detailed letter, and wait for their response. This last payment takes me down to XXXX % loan to value of home, within 3 months of signing the loan. These funds that I have sent them were moneys that were allocated towards improvements on the home. Everything online that I am reading states that mortgage companies HAVE TO automatically remove PMI when loan gets to or is scheduled to get to XXXX % of appraised value of home. If the interest rates did n't just jump recently, I would have just refinanced. Now, I am stuck in trying to get Umpqua to do what they stated they would do in emails, and in writing from them.
Product: Credit card or prepaid card

Dear Consumer Finance In the mail on XX/XX/XXXX I received a XXXX XXXX card in the mail. Upon opening the mail there is a debit card and printed card stock with very limited information on on it. It reds the following : On the front of the card stock is my address with a bar code and a number printed XXXX XXXX XXXX XXXX to the left of that is a a small QR code.. On the lower left corner is the stock it reads ; XXXX Square , Inc. Assembled in USA, Cash App logo is a trademark of Square Inc. All others are trademarks of their respective owners, ID # XXXX. 

Upon opening the folded card stock in side it reads the following ; Activate Your Cash Card Scan QR Code with your Cash App The code directs you to download load a app. 

It is also has printed info and icons reading ; Save with XXXX Tap to Pay, Direct Deposit, Access ATMs, and Pause With a Touch.. It On the front of the Debit Card itself it reads $ XXXX and also what appears to be a imbedded chip. 

On the back of the debit card is my name XXXX XXXX with a credit card account number, XXXX XXXX XXXX XXXX with a CVV # XXXX with a EXP of XX/XX/XXXX and on the lower right corner it reads XXXX  XXXX. 

I looked at contacting this company but get numerous XXXX  Search results indicating this more than likely is fraud. I am hesitant to call a number I dont feel I can trust, and calling or downloading the app could further jeopardize or expose me to fraud. 

Im also suspicious to this mail as I never applied or requested this card and additionally there is no readily available contact information or phone numbers to call ( not that I would call ).

Your assistance in following up as to the authenticity of this card or to report that it could be fraud is why Im contacting you as this just doesnt feel right and hope this may help others.

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

On XX/XX/XXXX, $ XXXX ( XXXX XXXX  ) I was notified by text alert to log into my XXXX account. I reviewed my account to find a collection account that was sold by XXXX XXXX to a third party attorney office By XXXX XXXX. I was not given the rights under the FTC ( Fair debt collection act ) notification of it being sold or who has it but, it was just placed on my credit report been I am receiving Federal Student Loans. I call XXXX on XX/XX/XXXX and was given the number to XXXX XXXX at ph # XXXX. XXXX  didn't want to take the blame for not notifying me so, it was blamed on the company that purchased the debt and it stated that I made a payment ( false and misleading-fabrication ) It also stated I was affected by natural XXXX which, I PAY ALL MY BILLS and HAVE GOOD CREDIT. XXXX XXXX stated they were sending the account back to the agency. I ask them for a name, phone, and address but, XXXX XXXX REFUSED TO GIVE ME THAT INFORMATION. XXXX stated I need to submit once again the police report from orginal filed in XXXX with Anthem breach which XXXX just adding. I was told my XXXX that they dont have the info.. So I AM ATTACHING THE POLICE REPORT of IDENTITY THEFT SO, NO ONE CAN SAY THEY DID NOT GET IT AND REMOVE THIS FROM MY CREDIT.. I HAVE FILED Identity theft with the IRS, the Federal trade Commission and my phone department ...