23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On this date XXXX XXXX, 2015, I reviewed my credit report and notice that STANISLAUS CREDIT CNTRL placed a collection account on my XXXX XXXX and XXXX credit report. This is my first knowledge of the alleged debt. I have NEVER heard nor received any notification through the United State Postal Service from this company. I am enforcing my rights under the Fair Credit Reporting Act and the Fair Debt Collections Act, due to failure of contacting me prior to placing a unknown alleged debt on my credit report without a clear notification of who the original creditor is and informing me of my rights to dispute with request for validation. STANISLAUS CREDIT CNTRL has CLEARLY violated the Fair Credit Reporting Act and the Fair Debt Collections Act by not sending proper notification and informing me of the proper disclosure verification of debt that is required by Federal and State Laws, according to Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ), ( c ) ( 2 ) ( E ), 611 ( a ) 1 ( A ), and Fair Debt Collection Practices Act Section 809.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute XXXX accounts associated with XXXX XXXX that have been erroneously reported on my credit report. Not only are these accounts not mine, but they have also been sold to a third-party debt collector. Despite this, XXXX XXXX continues to report and attempt to collect on these accounts, which is a clear violation of the Double Jeopardy Rule and a breach of my rights under the Fair Credit Reporting Act. These accounts, although originally from XXXX XXXX, and have been sold to a third-party debt collector. Therefore, XXXX XXXX 's and Transunion continued reporting and collection attempts on this account constitute a violation of my rights.
Product: Debt collection

I am requesting DEBT VALIDATION. This is a notice following the Fair Debt Collection Practices Act, 15 USC 1692g stating your response and claim is being disputed and validation is requested. This is not a request for " verification '' or proof of my mailing address, but a request for VALIDATION made following the above named Title and section. I respectfully request your offices to provide me with efficient evidence that I have any legal obligation to pay you.
Product: Credit card or prepaid card

I am writing to dispute a charge of {$560.00} to my Citi Credit card account on XX/XX/2021. The charge is in error because I was overcharged for a car rental. I have paperwork stating that I am to have the car rental from Saturday, XX/XX/2021, XXXX Sunday, XX/XX/202 XXXX and to be charged {$260.00} USD ( confirmation XXXX ). I was charged {$560.00} and for the dates of XX/XX/2021, to XX/XX/2021, which is two additional weeks that was not approved, nor was i even in the country for. This is a {$290.00} overcharge. 

The car rental was in another country XXXX XXXX XXXX XXXX, which unfortunately, I do not speak the native language. I showed my paperwork to the service desk and was under the impression that XXXX would be ethical, and I would not be taken advantage for being a XXXX  and be over charged for my rental. From what I could understood, verbally, I would get a deposit back. I have been trying to get this error fixed as I have contacted XXXX and Citi Credit Card. I have no issue of paying the {$260.00} ( which I have since paid off on my credit card ). 

I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement. 
Enclosed are copies of my XXXX confirmation as well as receipts with the unauthorized return date of XXXX to help supporting my position and experience. Please help me to correct the error on my account. 

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

The Department of Education/XXXX is reporting account inaccuracies across consumer 's XXXX, Experian, and XXXX consumer reports. XXXX report shows that the account is paid as agreed and never late but XXXX and Experian is showing that the account has been late for 90 days. Also, 20 U.S. Code 1232g ( B ) does not include credit reporting agencies access to a person 's educational record without consent. I never gave XXXX, Experian, XXXX, and XXXX written consent to furnish information regarding my educational record, let alone inaccurate/adverse information. 15 U.S. Code 1681c states no adverse information reporting on my consumer report. I am demanding the account and transaction information to be removed immediately from my consumer report. 15 U.S. Code 1681a ( 2 ) states transactions of an account is excluded from the consumer report. DEPT OF ED / XXXX XXXX, XXXX XXXX FILE NUMBER XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

Unauthorized credit inquiry on my credit report, in clear violation of the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I noticed an unauthorized inquiry on my credit report from XXXX that I did not authorize or consent to. I am well aware that under the FCRA, companies are required to have explicit consumer authorization or a legally permissible purpose before accessing a consumers credit report. XXXX did not have either in this case, and therefore their inquiry was not only inappropriate but illegal. 
Unauthorized Credit Inquiry : The inquiry from XXXX on XX/XX/year> was made without my permission or authorization. I have never applied for credit, loans, or any service with this company that would justify this inquiry.

Violation of FCRA ( 15 U.S. Code 1681b ) : According to the FCRA, a company must have a legitimate business reason, such as a credit application or permissible purpose, to pull a consumers credit report. XXXX has violated this requirement, causing unnecessary harm to my credit score and infringing upon my consumer rights.

Impact on Credit Score : The unauthorized inquiry has negatively affected my credit score, as multiple inquiries can result in a lower credit score. This has caused me undue financial harm and stress. 
I demand that the CFPB take immediate action to investigate this matter, require [ insert company name ] to remove the unauthorized inquiry from my credit report, and hold them accountable for their violation of consumer protection laws. Additionally, I request that CFPB ensures XXXX ceases any further unauthorized actions that could harm other consumers.

Thank you for your time and prompt attention to this serious matter. I expect swift resolution and an official response detailing how this violation will be rectified.
Product: Student loan

I applied for the SAVE repayment plan back on XX/XX/2023. My servicer has not processed my application in that time and wont tell me why or what I can do to expedite the process. They just request that I be patient and yet still charge me fees and interest.
Product: Mortgage

ELDER ABUSE I submitted a request for recast to my existing loan. 
Despite numerous requests for confirmation the loan servicer today told me that the recast has not been processed. 

No explanation was provided Service representative stated, as has those I formerly spoke to, that the issue would be escalated to appropriate departments. 

Meanwhile, my loan payments remain identical to the amount which was based on my previous balance Please see attached
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still many items to be corrected. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code S 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY! 
1. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 
2. Validate Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
3. NO CONTRACT XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
4. NO CONTRACT XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
5. NO CONTRACT XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Money transfer, virtual currency, or money service

I did an online purchase. It was a scam. They ask me to pay with Zelle XXXX, as soon as the scammers got the money, they cancelled the order and I never received the product. Because I used Zelle XXXX said there was nothing that can be done. Sells has no fraud protection like a credit card. If I had used the Visa Bank card they could investigate. So I lost {$250.00} to this fraudulent website and there's nothing I can do to recover that money.The apps like Zelle, XXXX XXXX, and XXXX do not have any federal protection against frauds or scams like a Credit Cards do. This should change.
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I provided proof that this company was falsely representing itself as a creditor which was a deceptive practice and in violation of the Equal Credit Opportunity Act. And where is the proof of payment history of this account? The Credit Bureau chose not to investigate and chose to continue reporting fraudulent practices. That is unethical and damaging as a law-abiding consumer. REMOVE THIS COLLECTION ACCOUNT COMPLETELY FROM MY CREDIT REPORT. Below are the lists of the erroneous accounts reporting on my Credit Report : MIDLAND CRED  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$2800.00} MIDLAND CRED ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00}
Product: Credit card or prepaid card

In my XXXX account - I was a message that I am pre-approved for Citi Rewards Card. Thus I applied. Even after having a credit score of XXXX, I was rejected. Reason provided- too many inquiries during last 12 months and some other reasons. 

Why Citi offering pre-approved cards via XXXX and later rejecting?
Product: Checking or savings account

My complaint is for an insufficient funds fee of {$29.00} that NFCU charged to me on XX/XX/XXXX. They claimed that a company by the name of XXXX XXXX attempted a withdrawal in the amount of {$45.00}. Being as though this is a secondary account the funds are kept minimal and since I was not expecting a debit, the funds were low. I get an unexpected notice of an item being returned. I contacted the merchant twice and both reps told me they did not attempt a withdrawal as my last request for XXXX XXXX XXXX was on XX/XX/XXXX and I used another account that went through successfully. I feel as though NFCU is erroneously stating that XXXX XXXX attempted the withdrawal and then charged me the fee. Normally a company tries at least 2 times to debit a payment and another tempt was n't even paid. I even transferred funds in the account in the event they did.
Product: Checking or savings account

I assist my elderly aunt with her finances. She has given me power of attorney for all her financial and business dealings. Additionally, she recently added me as a co-trustee on her trust account. I am attempting to close her accounts with Santander bank. We have had nothing but problems with this banking institution by the way. I brought the co-trustee documents to them for me to be added so I could close the account. I had also provided the POA to them at a previous point when I closed other accounts but they did not retain this and it was not on file. After spending 1.5 hours at the branch I was told that my aunt would have to come in. I asked XXXX XXXX ( XXXX MA branches ) if he could speak to a manager. He called me back and said it's easier for me to bring my XXXX, elderly, frail aunt in to the branch to close the account than for them to process the documents. I then called him back ( XXXX ) and asked him to clarify why she would need to come to the bank. He said she has to be present for them to add me as a trustee so she might as well just close the accounts then. All of the documents provided to the bank were prepared by a lawyer. I was able to manage my aunts banking at other institutions by just having her sign some forms but she didn't need to be present. Help!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Identity Theft XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
2. Identity Theft XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
3. Identity Theft XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
2. Identity Theft XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Identity Theft XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec.

1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter.
Product: Debt collection

I do not have a contract with Porfolio Recovery so they will need to remove item from credit report. I have no knowledge of this company and if they bought a debt then the debt is paid but i dont have any contractual obligation with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several addresses found on my credit report which are not mine. I believe they are someone else 's and would want these information removed.
Product: Credit card

I have been a long standing customer with American Express. I went through a job loss in the XXXX. As a self supporter, I immediately contacted them to try and find a resolution to maintain my account through that difficult time. My account had always been in good standing until this event happened. They worked out a plan that was misleading, misguiding, and unfair penalties, substantial rate increases, and broken promises. They agreed to work with me in a way that would enable me to maintain my account while going through the tough time. After speaking with them initially ( in XXXX ) i tried to contact them and discuss my updated situation. My call kept being re-routed to another country. I tried contacting amex for months via phone and in writing to let them know of my concerns. I received no response, nor was I ever able to speak with a person in the US. I am disgusted at the way I was treated and the lack of communication! My last written letter to them was in XXXX of 2016. I received a call from a guy named " XXXX '' with Amex in XXXX whom said he was trying to settle my balance and that my card account had been closed! I explained to him the situation and he was promising to try and work out something over roughly a 6 month period to pay off my balance and reinstate my account due to my back ground of good standing with them. I made a huge payment XXXX XXXX, 2016 for stound XXXX. That caused me to nearly be homeless this month as i 'm playing catch up from having three months of a layoff. XXXX said we would speak in XXXX to arrange the next payment. I spoke with him today and he was threatening, nasty, rude, aggressive, and completely ignored my situation. I have the conversation recording. I am extremely upset about this. I 'm a self supporter, whom went through a horrible job loss. I have a job now, and am getting back on my feet. Amex promised to work with me through this journey back in the fall, then deceived me completely in their actions and their lack of customer service to resolve this issue. My credit has been destroyed! I did not ask, nor want my account " charged Off ''. I wanted to work with amex to get through this hurdle and continue on in my good standing with them. They have deceived me, lied to me, mistreated me in so many ways. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXA Account number : XXXXXXXX XXXX Account number : XXXX, XXXX  XXXX Account number : XXXXXXXX XXXX XXXXXXXX Account number : XXXXXXXX XXXX XXXX  Account number : XXXX, XXXX XXXXXXXX Account number : XXXXXXXX XXXX  Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX  XXXX XXXX XXXX Account number : XXXX has violated my rights. 
15 U.S.C 1681 Section XXXX A. XXXX I have the right to privacy. 
15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally got XXXX XXXX  in XXXX of XXXX and had the account for a few months before I fell on hard times.The account never shows any of my on time payments. The account then started to show late payments which I understand, but they have consistently reported late payments throughout all of XXXX, XXXX,. XXXX, and XXXX of 120 days late. I have tried disputing the information as inaccurate on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX but to no avail. The item should have been written off as a charge off from what I read online. But I read on a credit forum that they are doing this to keep the account active and get around the stature of limitiations and also the 7 year rule for Credit items. This is highly illegal which violates the FCRA and FDCPA on a state level and federal level but keeping the item active. When I log into my XXXX report it does not even state the date the item will fall off because of what they are doing. They are purposely keeping my credit low with late payments and dragging it out to keep my scores low.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit was pulled without permissible permission on XXXX by XXXX XXXX XXXX ( XXXX ). A forged application requesting permissible permission was then made one day later on XXXX and a car was fraudulently purchased in my name. XXXX sent the attached letter on XXXX. I considered XXXX as reputable and thought it was resolved 16 months ago. However XXXX sold the debt to Credit Solutions Corp who is now harassing me for payment. XXXX requested the XXXXXXXX delete XXXX reporting of the trade lines associated with this account but then found another way to report this trade line on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and I wil be submitting this CFPB Complaint to request to remove the Fraudulent items from my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove any accounts and information not later than 4 business days after XX/XX/. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. As a consumer protected under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and up-to-date credit information. The fraudulent inquiries listed on my credit report are in direct violation of this right. I need the following items removed as soon as possible : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXXXXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX I would like to point out that the FCRA requires credit bureaus to investigate and respond to consumer disputes within 30 days. Since it has now been three months since I began disputing these inquiries, I expect immediate action to be taken.
Product: Credit card or prepaid card

i had called bank of america to order a new card and to file a dispute and the fraud department is blocking my account and refusing to let me access my account and funds