23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

To whom it may concern ( Experian, XXXX ) This letter is in reference to ( account # XXXX ) for services provided to ( XXXX XXXX XXXX ) on ( XX/XX/XXXX ) In regard to the bill on this account in the amount of : ( {$280.00} ). 
Please be advised that under Federal Statutes. the Fair Credit Reporting Act, ( 15 U.S.C. 1681 et seq ) and ( name of your State 's Consumer Credit Statutes, and subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. The term " breach of security means, with respect to unsecured HIPPA Law and PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. you may be held liable for the actions of ( collection agency name ). Please note that the effective date for commencing enforcement of penalties against you for any vicarious liability is XX/XX/XXXX. 
( a ) Duty of furnishers of information to provide accurate information. 
( XXXX ) Prohibition. 
( A ) Reporting information with actual knowledge of errors. 
A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is in violation and inaccurate. Remove this account account immediately within XXXX business days or I will not hesitate to file a lawsuit for being in violation.
Product: Debt collection

Weber & Olcese garnished my work checks for 4 months. I have not received any correspondence regarding this debt. More importantly the debt is past the State of Michigan limitations. Somehow, XXXX XXXX XXXX  allowed/approved WEBER & OLCESE and XXXX XXXX XXXX XXXX . There's no proof of them even serving me or notifying me of such debt. They just started collecting money without any notices. 

This is criminal activity. 

Plenty of complaints about both companies all over the internet with illegal practices. 

These companies NEED to be held accountable for their practices.
Product: Vehicle loan or lease

Please review the credit reporting for my alleged account. This account was charged off and is still reporting monthly as a late payment. Thats in direct violation of the law. After 180 days of non payment this was charged off. Every month you state non payment. Can u provide proof that this is in conjunction with the FCRA. 

Ive been fighting this account for years and at this point can you remove it completely from my reports. It due come come off in less then 6 months. 

If no such proof is provided within 15 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 
In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and including but not limited to UCC 9-625 remedies. 

Furthermore, you are hereby notified that at no point in time and under no circumstances is your company ; an employee of your company ; a representative for your company or affiliates are to contact me or any family members by any means other than the US mail system. 

XXXX XXXX XXXX esq
Product: Mortgage

Hello long story short, ShellPoint Mortgage cash my mortgage payment and didn't apply it to my mortgage account. During this time my mortgage company B4 were filing bankruptcy and I was behind Abt 2 mths. So I mailed a check for Abt XXXX to get me caught up an ahead. An ShellPoint cashed my check and pocket my money.. so when I got the first letter I told him that I was going to go to the bank and see if they cashed my check well the bank gave me copies and someone from SharePoint had cashed my check so I asked the lady what happened, she said yes I see someone cashed your check but I don't see where they put the money at, so I told her I wasn't paying another XXXX for y'all 's fault, so about a week ago I get another letter and he says that they were going to put my house in foreclosure for the money that I have already paid. They also added it into my mortgage payment every month. My payment is XXXX a mth. They got XXXX a mth.And I know that that's against the law and it's something to be done about that I've tried to work with them but just because I'm old they trying to get over on me can someone please help me or point me in the right direction for help thank you so much.
Product: Debt collection

The apartment complex and their collection agency have failed to adequately address and verify the disputed charges I raised in accordance with the Fair Debt Collection Practices Act ( FDCPA ). Despite my formal dispute, they have merely reissued the original balance statement and lease agreement without responding to the specific discrepancies I outlined. 

These concerns include : Unsanctioned Trash Fee : I requested proof that the {$50.00} trash fee was explicitly stated in the lease agreement, as fees not included in the lease are unenforceable under Colorado law. No such proof has been provided. 

Excessive Labor and Repair Costs : I asked for an itemized breakdown and justification for the repair and labor charges, as the amounts far exceed typical rates in the local market. This request has been ignored. 

Pre-Existing Damages : I provided photographic evidence taken at move-in that shows the damages they are charging me for were pre-existing. They have failed to acknowledge or address this evidence. 

Appliance Age and Condition : The dishwasher was 17 years old at move-in, well beyond its expected lifespan. I requested verification of its condition and justification for charges related to its replacement, yet they have ignored this concern. 

Utility Charges Beyond Move-Out : I vacated the unit on XX/XX/2024, but I am being charged for utilities through XX/XX/2024. I requested proof of utility usage beyond my move-out date, which has not been furnished. 

Remodeling Costs : I provided evidence that the complex was remodeling units after tenants moved out, suggesting the intent to replace certain items regardless of their condition. They have not addressed this concern or provided proof that these replacements were tied to my tenancy.

Instead of addressing these legitimate concerns and providing the requested documentation, the collection agency responded with a dismissive remark and reiterated their intent to collect the disputed debt. This response is inadequate, unprofessional, and a violation of my consumer rights under the FDCPA, which requires debt collectors to verify and substantiate disputed debts. 

As a result of their failure to provide proper verification or address the outlined discrepancies, I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ). I have also escalated this matter to the Colorado Attorney General 's Office and am consulting with consumer protection and landlord-tenant attorneys to explore further legal options. 

I remain willing to settle for {$4200.00}, which I acknowledge as my responsibility, but I continue to dispute the additional {$4000.00} in charges that lack sufficient justification or documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The three accounts I'm disputing : Convergent Outsourcing- Acct # XXXX, XXXX/ XXXX XXXX- XXXX ...., XXXX XXXX- Acct # XXXX. 
On XX/XX/2019, I sent XXXX a request for validation of three ( 3 ) accounts or otherwise remove the negative information off of my credit report. They reported the debts as valid and I again sent XXXX a second written request to provide to me how they " verified '' those accounts, and, again to provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of FCRA they are required to " ... promptly DELETE all information which can not be verified. '' On XX/XX/19 they sent a response " ... we were unable to honor your request or a portion of it ... '' I sent a THIRD letter to XXXX  warning them that I fully intend to pursue litigation against them to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and 617 regarding their willful and negligent noncompliance. Once again XXXX   responded XX/XX/2019, " ... we were unable to honor your request or a portion of it ... '' I fully intend to follow through with pursuing litigation. I already filed suit against Convergent Outsourcing for the same matter, and still awaiting a response from the other two creditors.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX  XX/XX/year> Here I attach, along with the dispute, my fraud report that I just sent to Transunion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX, XXXX, and Experian. Please remove the following fraudulent inquiries from my consumer credit file. You are in violation of 15 US Code 1681. Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  ( Miscellaneous ) XXXX XXXX, XXXX XXXX, please remove the following fraudulent account from XXXX XXXX  from my credit profile as well. XXXX XXXX Account Number : XXXX This is account is not mine. Please remove it immediately. Please remove all fraudulent student loans from both my Experian and XXXX profiles.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted a dispute with Capital One bank stating that the debt nor the address that was attached to the debt does not and has never belonged to me. The account was opened for XXXX $ In XX/XX/2018 please help me remove this from my credit report it is clearly inaccurate.
Product: Credit card

I am writing to formally lodge a complaint against Concora Credit due to severe issues involving a fraudulent Indigo Mastercard account ending in XXXX that has been improperly attached to my profile. This situation is compounded by a late payment error reported for XX/XX/year> on my Milestone account. The circumstances I am facing constitute significant violations of consumer protection laws and have caused substantial harm to my financial standing. 

Overview of Issues : Missing XX/XX/year> Statement : I have not received my statement for XX/XX/year>. This document is essential not only for my financial records but also for legal preparations. This oversight is completely unacceptable and has resulted in significant complications in managing my finances. 
Late Reporting for XX/XX/year> : In addition to the missing statement, Concora has continuously reported a late payment for XX/XX/year>. This late reporting, compounded by negligence in account management, is unjust and damaging to my creditworthiness. Immediate updates are required to rectify this error. 
Fraudulent Indigo Account : A fraudulent account with Indigo has been wrongfully linked to my profile by Concora Credit. Despite an ongoing investigation, the lack of timely resolution has severely harmed my financial reputation. I demand that XXXX XXXX  XXXX be notified of this error for immediate removal, as I have not received adequate documentation or response from Concora. 
Negligence in Account Management : The persistent negligence surrounding my accountspecifically the missing statement, late reporting, and fraudulent accounthas caused considerable stress and financial harm. This situation can not be ignored and requires urgent resolution. 
Requested Actions : I strongly urge the CFPB to take immediate action to : Investigate Concora Credit for their failure to provide my missing XX/XX/year> statement. 
Investigate the late payment reporting for XX/XX/year> and ensure appropriate corrections are made. 
Investigate the fraudulent Indigo account and ensure its prompt removal from my records. 
Review the account management practices of Concora Credit to prevent similar issues from affecting other consumers. 
Supporting Documentation : I have maintained comprehensive records of all communications with Concora Credit and can provide this documentation upon request. 

Thank you for your urgent attention to these pressing matters. I look forward to your prompt response and appreciate your dedication to protecting consumer rights. 

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

This is my NUMEROUS 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 items : XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$530.00}, XXXX XXXX Balance : {$21000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX, with Southwest Recovery Services, has been calling my work for months now. She 's been asked several times by myself, my co-workers, and my managers to stop calling me at work, as I do not take personal business calls. My job is to answer a very busy phone line, and I do not have time for chats. 

When told this, she gets insanely unprofessional and begins arguing, stating that she has ever right to call me at work. It has escalated to XXXX to XXXX calls per evening now. This is insanely unprofessional and uncalled for, and I need it to stop. 

On my personal cell phone, I get upwards of XXXX calls a day from her company.
Product: Checking or savings account

On XX/XX/22 I I went to chase in XXXXXXXX XXXX  on XXXX to make a deposit. The drive through had a long line so I went to atm like I always do. I attempted to deposit {$1300.00} in all XXXX through the banks atm. when I tried to deposit the atm bills might of been bent a little so I tried to fix that until the mechine tried to close on my hand so I was unable to fix the bills, the atm jammed and went white with a A as loading icon. So I began recording and and the error message popped up that the machine cant accept deposits. 


I immediately entered the bank and explained what had happened they sent me away with a XXXXnumber stating they dont have any control over the atms. 

I contacted the the XXXX number they assured me that it will be looked into then issued me a credit. I look into the account on XX/XX/22 I had a negative balance the credit was reversed. I called and they stated they found nothing wrong with atm on that day or that I even tryed to make deposit. I have a video of what the atm done I stated and they said they cant use that. So Im looking like a XXXX  for doing the right thing and have no power to have them do the right thing and really look into this. I tried to sort it with them and done all I can do.
Product: Debt collection

PERFORMANT RECOVERY INC has sent numerous phone calls ( XX/XX/XXXX ) to my place of residence. PERFORMANT RECOVERY INC has also sent at least XXXX letters XXXX XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX via US mail about an alleged {$1800.00} debt without my prior consent to contact me ( Breach of US CODE 1692a, b, c, d, e, and f ).

I have informed said company to not contact me any further due to their unfair practices and they have continued to do so. I have since sent documentation to PERFORMANT RECOVERY INC. about these breaches of US Codes registered mail # XXXX XXXX XXXX XXXX XXXX.
Product: Vehicle loan or lease

I applied for the secured loan via website. After putting my income in the company pre approved me for a secured loan up to {$10000.00}. I then submitted my income and buyer order for the vehicle. The branch manager submitted my docs to underwriting and first contact was to ask for my last paystub of XXXX. This was not a reflection of my current income and I let them know that. I then provided them proof of my overtime allowance ( stub from XX/XX/XXXX ) and also proof of my wage increase. The next contact with XXXX the branch manager stated that they would not credit me for all my earned wages, and that they would approve me for a {$4000.00} loan based on income they calculated. I did the math and they were taking my income from the previous year, and not my current wages. From XX/XX/XXXX through XX/XX/XXXX I took home net pay of {$7000.00}, that would be a projected net income of {$84000.00} for XXXX. Instead XXXX the DM,  and XXXX used old paystubs to determine a net monthy income of {$3500.00}. They said they needed an exception to give me credit for all my earned monthly wages in XXXX. I provided all that they asked and my income is in black and white, along with updates to something I was not responsible for on my credit report. One Main chose to make thier own figure up, count retroactive pay, and not give me credit for earned wages. Furthermore they denied my application, after XXXX the branch manager told me I was approved for a lesser amount. They manipulated my income, changed terms mid deal, and provided no reason for discounting my earned income.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the inquiry because I noticed it was on my credit report and I did not authorize this inquiry. To dispute this inquiry, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, XXXX forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the inquiry was listed, in an envelope sent to the creditor of the inquiry and I also put copies of the same documents in envelopes sent to all three credit bureaus ( XXXX, XXXX, and Transunion ) via USPS XXXX mail with XXXX receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the inquiry, and thus the inquiry must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this inquiry on my credit report because the inquiry was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this inquiry from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The information for this inquiry listed on my credit report is : CREDITOR : XXXX, INQUIRY DATE XX/XX/2021 CREDITOR : XXXX, INQUIRY DATE XX/XX/2021
Product: Checking or savings account

I closed my PNC BANK highest interest savings account in early XX/XX/. There is no term limit with the account. The bank refused to give me my {$350000.00} back unless I agreed not to accept the more than {$2600.00} of interest I had earned. The bank committed bank fraud against me through deceit and held my money hostage. I told them to send me the {$350000.00} and we can discuss the {$2600.00} later. On my bank statement, there is none descriptive language showing the bank kept my money, any only by careful examination of my bank statement did I discover they kept my money. I have called the bank dozens of times. The bank told me to go to a branch to show my ID to get my money, which I did two weeks ago, and the bank still hasn't sent me my interest. The bank stated the money was eschewed to California ( a lie and no proof provided ), as recently as last week said they bank has " lost the funds '' in a voice message I have, and overall, the bank has kept my interest and refuses to give it. THE BANK IS IN CLEAR VIOLATION OF THE LAW. If they are doing this to me, they are doing it to lots of people. The bank branch on my visit said this is common where the bank refuses to pay earned interest.
Product: Checking or savings account

On or about XX/XX/2020 I tried to establish an account online with PNC bank. After getting through most of the procedure, I was thrown out of the process and given information to contact XXXX XXXX. I did that, but could not understand how the information I received prevented me from establishing the account!!!!! I still don't. 

On XX/XX/2020, I called PNC directly. I guided through the process quite professionally by a representative. But, again, was told that it could not be completed because of some reason. The rep could said she did not have the information, but that I would receive a letter in the mail detailing the reasoning. I am awaiting this letter know. 

There are basically two complaints I have the process used to establish the account. 
Online : I'm over XXXX. Some of the questions asked are so far in the past, it would be amazing for me to remember the phone number, address, or whatever. Some things do shade a little light. But one on the questions about an old address, was totally wrong. None of them were my old address. 
In general this process allows for picking-and-choosing who you want as a customer. Last week I established 2 new accounts with 2 different banks. The process wasn't exactly smooth, but it worked. 
I do comparisons on almost everything and PNCs virtual wallet was an excellent choice for me. But, to not be able to tell me, immediately, why I'm rejected is suspect.