23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to file a complaint against XXXX XXXX XXXX regarding account number XXXX. I believe that this company is attempting to collect a debt from me without having a valid license to operate as a debt collector in the state of Indiana. 

It is my understanding that under Indiana law, debt collectors are required to be licensed. The absence of a license raises significant legal concerns regarding their ability to pursue collection activities against me. 

I request that this matter be investigated, and I urge the immediate cessation of any collection efforts by XXXX XXXX XXXX. Furthermore, I ask that any negative information related to this account be removed from my credit report. 

Please be advised that if this issue is not resolved promptly, I may need to take legal action, which could result in seeking damages for violations of state law and recovery of attorney fees. 

I appreciate your attention to this matter and look forward to your prompt response. 

Thank you.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XX/XX/2021, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX, has violated my rights. 

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
Product: Credit reporting or other personal consumer reports

XXXX granted a {$2000.00} credit card limit in XXXX. Not only did I make payments, but they have been reporting for years a balance of {$7400.00} that I have reported not only fraudulent but unauthorized charges. 

How is a {$2000.00} credit card limit charged {$7400.00}? And no information on my payments to card and consistently reporting a verified as accurate. In XXXX, I submitted a police report in XXXXXXXX XXXX I have not lived in XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Chime has allowed XXXX to charge my account XXXX for 10 months and XXXX for 2 months. I did not have a XXXX account. I changed my card 3 times. Somehow XXXX keeps getting the card number. I called XXXX they agree its fraud and they are willing to refund the full amount but the bank denied my claim but won't provide any information on how they came to that conclusion. This is the third issue I have had with chimes investigation team. The first one the merchant agreed to refund my money and chime still denied the claim and the second interaction last XXXX I ordered a ring thru XXXX from a third party seller. It never got shipped so I contacted XXXX they agreed and refunded my money. I NEVER contacted chime. There was no dispute filed thru chime. Yet chime sent XXXX back my refund stating that they decided that I was not entitled to my refund. They had to fix it. I believe this bank does not have a investigation department. And that as consumers we should have the rights to see whatever evidence of investigation they have done to come to their decision. Also on my first complaint with chime I filed a rebuttal and they never responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting companies allow accounts that have nothing to do with credit be placed on credit reports. XXXX should not be allowed to report to a credit report because they offer services and not consumer loans or any form of credit, like credit cards..etc. I ask that Experian remove the account from XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a consumer by law. I didn't submit this in error. I never gave Equifax my explicit written permission to report my private information. I'm seeking compensatory damages and asking for my private information to be deleted.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the removal of a fraudulent account on my credit reports by the credit bureaus. I have discovered a fraudulent account that was opened under my name and I have written a letter to the credit bureaus requesting their thorough investigation into this matter and the removal of this fraudulent account via USPS Certified Mail on XX/XX/2023. However, they did not conduct an investigation and refused to remove this fraudulent account from my credit file. These are the details of the fraudulent account : Creditor : XXXX XXXX ; Account number : XXXX ; Balance : {$450.00} ; Date opened : XX/XX/2023. Upon discovery of this fraudulent account, I immediately took steps to address this matter, including filing an identity theft report with the FTC and placing a fraud alert on my credit files. Despite my efforts to remove this product of identity theft, the account remains on my credit report, continuing to negatively impact my financial standing and credit health. Under the Fair Credit Reporting Act and the Consumer Protection Act, I am entitled to have fraudulent accounts removed from my credit report. Therefore, I request the CFPB 's assistance in investigating this matter and ensuring the prompt removal of this fraudulent account from my credit records.
Product: Credit reporting

I disputed a 90 day late on a Federal Student Loan. There were XXXX loans corresponding to the number of semesters I was in school. I have since consolidated the loans into XXXX note, but the loan servicer at the time was Direct Loans which is no longer in business. The National Student Loan Data Center nor XXXX XXXX ( the current servicer ) have any information about me ever having a late payment. I have always paid my loans on time with the exception of the grace period and a forbearance. This information on my credit report is inaccurate and can not be verified. According to the Fair Credit Reporting Act, it should not be there. I disputed this a couple of years ago, and Equifax and XXXX ruled on the lenders behalf. Is there anything I can do about this?
Product: Credit card

1. XX/XX/2023 : I received an email from CHASE Bank stating that they received my application for a new credit card Unlimited freedom. 
2. XX/XX/2023 : I contact Chase Verifications department and notified the representative that I did not submit the application, and requested information on who requested this application which they did not disclose. The representative closed the application and informed me they would sent an Identity protection kit to my address. 
3. XX/XX/2023 : I received a 2nd email from CHASE Bank stating they received my application for a new credit card. 
4. XX/XX/2023 : I contacted all 3 credit bureaus ( XXXX, XXXX, XXXX ) and placed a credit freeze and fraud alert.
Product: Credit reporting or other personal consumer reports

I am filing this complaint as a last resort after exhausting all other avenues to access my credit report from Equifax. Despite my repeated efforts over several months, I have been unable to obtain my report, which I have a legal right to access. Below is a summary of my attempts to resolve this matter : Initial Attempts : I contacted Equifax multiple times by phone and initially spoke to representatives who assured me they would assist in granting access to my online account. While I eventually gained access, the information on my account has not been updated since XX/XX/year>. 

Automated Requests and XXXX : I attempted to request my credit report via XXXX automated phone system and through XXXX. Both methods were unsuccessful. 

XXXX XXXX Requests : Equifax repeatedly claimed that I need to verify my identity. Over the past several months, I have sent more than 10 letters, each including copies of my ID, Social Security card, and proof of my mailing address. 

Certified Mail Documentation : I sent my identity verification documents ( ID, social security card and proof of my mailing address ) via certified mail ( Tracking Number XXXX XXXX XXXX XXXX XXXX ) on XX/XX/year>. On XX/XX/year>, Equifax received the letter, as confirmed by the tracking record ( see attachments ). However, I received a response dated XX/XX/year>, stating again that I need to provide proof of my identity ( see attachment ). 

Despite my repeated compliance with XXXX requirements, I continue to receive the same response, leaving me unable to access my credit report. This ongoing issue has caused significant frustration and inconvenience, as I am entitled to view my report under the Fair Credit Reporting Act ( FCRA ). 

I am requesting the CFPBs assistance in compelling Equifax to provide me with my updated credit report promptly and to address this recurring failure in their verification process. I am hopeful for an amicable resolution but will consider other legal remedies if necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX  Acct # XXXX has violated my rights.

15 USC 1681 section 602A. states I have the right to privacy.

15 USC 1681 section 604A section 2 : it also states a consumer can reporting agency can not furnish an account without my written instructions This account is also reporting inaccurately on a number of data points.

The account is reported as open which is illegal and inaccurate.as it is not an active account and is a collection.

The account is also reporting as a charge-off but is allegedly a collection which is illegal and inaccurate. 

The account is also reporting ok payment history on XX/XX/XXXX then shows as a charge off as of XX/XX/XXXX which is illegal and inaccurate. 

I have also attached a letter. XXXX has deleted this from my credit report due to the multiple inaccuracies and illegal reporting and I expect Equifax and XXXX to follow the law as well.
Product: Credit reporting or other personal consumer reports

on XX/XX/XXXX I got my credit report to check and make sure things were accurate and reporting correctly. I noticed there were inaccurate and unauthorized inquire that I didn't authorize. I contacted all 3 credit bureaus. I told them these inquiries were all in accurate and they still haven't rectified the situation.i have filled with the identity theft. I have a police report as well for when all my information was stolen on XX/XX/23. I advised the Credit companies ( XXXX, XXXX, Experian ) that this happened and have gotten no help so please look into this.
Product: Mortgage

I have been requesting a modification for a more affordable mortgage payment and and they came up with a balloon payment that will make me pay the value of my poprrty for {$50000.00} more ta than what I purchased it for. They are also charging m reinse for for reinstatement fee of {$500.00} more because I rejected their proposl. 
I have never had to pay the reinstatement fee in my previous modifications. This company needs to be investigated for their ruthless activities. My main concern is that since in the inception of this loan they have always made mistakes on applying my mortgage payments. back in 2015 they have posted a negative impact on my credit as having paid late. and after their research they found out that I had paid all my payment on time. I have proof of this Iam in constant contact with them because they keep misapplying my mortgage payments to the Escrow. I do n't know what else to do with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX - new inquiry on XX/XX/2020 through Experian XXXX XXXX XXXX - new inquiry on XXXX through XXXX XXXX XXXX XXXX -new inquiry- XX/XX/2020 through Experian I have put a fraud alert on my name and social through Experian and i have frozen my credit report with XXXX and XXXX on XX/XX/2020 XXXX 

New inquiries are still being made after i put an alert out and froze my accounts. 
reached out to all the credit card companies that are trying to pull my credit report and nothing is being looked into or resolved
Product: Credit reporting, credit repair services, or other personal consumer reports

While the company did address several old inquiries in my previous complaint, the inquiry in question is not listed in their response. I agree with the inquiries listed in their response letter. They did not address the unauthorized inquiry that should not appear on my report. 

The unauthorized inquiry appearing on my report is dated XX/XX/2023. I did not request any type of financing on this date or authorize any hard pulls on my credit report. I did not enter any car dealerships or apply for financing of a new vehicle or refinancing of my current vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Report # XXXX XX/XX/18 XXXX  XXXX XXXX XXXX payment paid back in XXXX for XXXX, XXXX and XXXX payment paid. on my credit report not showing updated.
Product: Mortgage

On or about XX/XX/XXXX my wife and I made a mortgage application to refinance our existing mortgage with PNC Bank XXXX XXXX  for a lower interest rate. This process was over the phone and secure email out of PNC Bank XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX The Loan Officer : XXXX # XXXX XXXX XXXX XXXX To this Day XXXX XXXX, XXXX we do not know why PNC Bank N A refused to refinance our loan? 
After 6 months of back and forth for the ( same information ) documents over and over again needed to be submitted to close on the new mortgage, I suspected PNC was not going to close and fund the new mortgage. 
We made a new mortgage application at another national Bank and closed our new mortgage within 90 days with no request for money upfront. 
The Complaint : PNC Bank Charged us XXXX dollars on XX/XX/XXXX. I have requested a refund. As the Loan Officer stated many times the funds would be refunded at closing. The closing did not take place and no reason was given. The loan to value was very low and my current mortgage company did not require a property appraisal or any money upfront. 
I requested the refund in an email on XXXX XXXX XXXX To : XXXX XXXX and numerous times by phone. 
Please help me get the refund due us and hold PNC Bank accountable Thanks XXXX
Product: Credit reporting or other personal consumer reports

Bankruptcy filed with clerks office but told that the clerks office doesnt give information to XXXX, equifax and XXXX.
Product: Checking or savings account

On XX/XX/2020, I was charged 4 times NSF fee ( {$35.00} each time ) for the same transaction. 

The transaction was attempted two times on XX/XX/2020 and two times on XX/XX/2020 and for every attempt, the bank charged {$35.00}. 

Ive been advised that this is ilegal and the bank should have only charged me once for NSF for that transaction. Therefore, NSF total charges were {$140.00} and I should have only been charged {$35.00}. 

I contacted Bank of America and they stated that they couldnt refund the fees.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to express my concerns regarding the recent lawsuit filed by the CFPB against Experian. As a consumer who relies on fair and accurate credit reporting, I am deeply troubled by the allegations against Experian and the potential impact on millions of individuals like myself. 

Credit reporting agencies hold significant power over consumers financial well-being, affecting everything from loan approvals to interest rates and even employment opportunities. If Experian has engaged in misleading practices or provided inaccurate credit information, it is essential that they are held accountable. However, I am also concerned about how the CFPBs actions will ultimately benefit consumers. Will affected individuals receive restitution? What measures are being put in place to prevent such issues in the future? 

Additionally, transparency and efficiency in resolving credit disputes must be a priority. Many consumers struggle with erroneous credit reports, facing lengthy and frustrating disputes with credit bureaus. I urge the CFPB to ensure that any legal action taken against Experian results in meaningful reforms that protect consumers from further harm. 

I appreciate the CFPBs role in safeguarding consumer rights and enforcing fair lending and reporting practices. I hope that this lawsuit leads to greater accountability in the credit reporting industry and tangible benefits for those affected. Please provide more information on how consumers can ensure their credit reports remain accurate and what additional steps are being taken to prevent future violations. 

Thank you for your time and attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX
Product: Credit card

This account is invalid BARCLAYS BANK DELAWARE needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed items then I require the account to be removed from my credit & their records. 
BARCLAYS BANK DELAWARE XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 I disputed a collection account that claimed I owed for pet severe damage to a carpet in the sum of {$1900.00} reported by a collection company called I.Q. Data. I had issues uploading supporting documents to XXXX showing that my son and I are both allergic to pets. There is also proof in my lease agreement that I never owned pets. I was ever fined or charged any pets fees over the course of my stay at the apartment. I was finally able to upload documents XX/XX/2018 yet XXXX will not reinvestigate I had even called a spoke with someone personally XX/XX/2018 and he said they would reinvestigate and the investigation was complete the next day. If XXXX doesnt resolve they will be included in my lawsuit against the debt collector and the original creditor. 
Prior to all of this we tried resolving with original creditor and in return were ignored and sent to collections, tried to explain to collection agency, and now XXXX has failed to do their investigation properly. 
As you will also see I have proof that we did a walk through with the apartment, they told us we didnt need to clean the carpet as they have a professional carpet cleaning company. During the walkthrough they mentioned NOTHING about the carpet needing to be replaced, yet replaced the entire carpet when we moved out. I have attached photos.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX, has violated my rights. 
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
Product: Debt collection

XXXX XXXX is constantly trying to collect on a debt of which the amount and or debt is incorrect I made numerous attempts to contact XXXX XXXX and I was met with a lawsuit despite my numerous attempts to recover founded informed so I may check and despite any inaccuracies. XXXX XXXX  refuses to furnish ne with a copy of said information and I fear that this default will result in garnishment of wages. 
I recieved three accounts from XXXX XXXX XXXX on XXXX Aspire XXXX Aspire XXXX These amounts are incorrect and need to be corrected
Product: Mortgage

My mortgage amount increased due to a property tax adjustment. I do not receive paper statements and I did not receive notification of the increase. I was sent a letter in XXXX informing me that my account was past due. I called US Bank immediately to determine why. I was informed that my payment amount had increased and there was a balance due on my account for the month of XX/XX/XXXX, as well as a late fee. At that time I confirmed with US Bank that my monthly payment of {$2400.00} for the month of XXXX had been received- these payments are sent automatically every month from my XXXX XXXX account. The XXXX payment had been sent from XXXX XXXX XX/XX/XXXX and was received by US Bank. I was told that the balance due was for my XXXX payment was {$61.00}. The representative was able to auto deduct {$61.00} from my XXXX XXXX  XXXX account on XX/XX/XXXX. I was informed on the XXXX call that the late fee on my account of {$95.00} would be waived as a one time courtesy, which is the limit and allowed once for the life of the loan. The CSA asked me if I agreed and I stated yes. I was not informed at that time that the XXXX payment had increased as well and that there was a balance due. I would have happily paid that amount as well had I been notified. I subsequently received a letter from US Bank dated XX/XX/XXXX informing me that my XXXX payment was past due. I called US Bank immediately ( XX/XX/XXXX ) because I did not understand how that was possible. Somehow because of the non-payment of balance due either on the XXXX or XXXX payment, the paid amount was applied to principal, making my account appear past due. On today 's call I paid the remaining balance due of {$61.00} for the XXXX mortgage payment ( confirmation # XXXX ). Again, I was not informed on the call in XXXX that there was a payment due for XXXX or I would have gladly paid the balance. When I was told there was a late fee on the account of {$95.00} I asked the Customer Service Representative if that could be removed. She informed me no, since my one time courtesy to waive the late fee had already been used. I asked to escalate the request and speak to a Supervisor, and was put through to XXXX. I asked if the late fee could be waived and I was told no, the one time waive had already been used. I explained everything stated here, that when I called to resolve this in XXXX I was told my account was completely up to date with no balance due. I disputed the late fee but was told by XXXX that there was nothing he could do. I feel this is wrong on the part of US Bank and simply a tactic to collect additional fees. I would like to formally dispute this late fee. I have had recurring problems with US Bank over the years making principal only payments and having them applied as monthly payments. This company has terrible customer service and is sorely lacking in its ability to handle mortgages.