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

In accordance with the Fair Credit Reporting act XXXX  accounts are fraudulent and Where not made by me. I do not recognize these inquiries and demand that they be deleted from my account immediately : 1 ) XXXX XXXX -- Inquiry Date : XX/XX/XXXX 2 ) XXXX  XXXX XXXX Inquiry Date : XX/XX/XXXX 3 ) XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX 4 ) XXXX XXXX -- Inquiry Date : XX/XX/XXXX 5 ) XXXX XXXX XXXX -- Inquiry Date : XX/XX/XXXX. The aforesaid creditor did not have my written consent to access or pull my credit report. Please provide proof of my written signature that granted these companies to access my credit report. If that can not be done please remove these inquiries promptly. Please do not reply with a generic response about your obligation to report the inquires as they are. I am well aware of my rights that are allotted to me by the FCRA. And the aforementioned accounts are in violation of several FCRA Laws that are allotted to me. I do not recognize them and they are fraudulent and need to be removed off my credit file immediately. They are harming my credit file and hindering me from getting reasonable financing terms. In accordance with the fair credit reporting act XXXX account : 1 ) XXXX XXXX : XXXX ( Delinquent for the months of XX/XX/XXXX ), has violated my rights. 15 USC 1681 Section 602 States i have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 623 ( a ) ( 7 ) 15 USC 1681 and 621 15 USC 1681 : I did not receive a model B-1 or B-2 notice stating that the following accounts ( XXXX XXXX : XXXX ) were going to report delinquent. As a direct result of the violation of my rights that are allotted to me by the FCRA, i would like for the following late payments and inquiries to be removed from my account. I do not want any generic information the FRCA. Or any generic response, i am well aware of my rights under the FRCA. I would like to have the late payments and inquiries removed from my account because they are not verified and are violating my rights
Product: Vehicle loan or lease

These car dealerships lied to me saying I was approved for a car loan, but ended up telling me 2 hours later that Im not approved. They also ran my credit through so many banks that I did not approve of. I felt pressured through the whole process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and found items on my credit report that don't belong. 
the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX there are also inquiries that i noticed that do not belong XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also noticed that there is a incorrect address on therewhich XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

American Express bluebird is making this hard on me, the seller never shipped the items and told me it would be delivered XX/XX/2018 at his word. He never sent me the tracking number. I do not get this solved or my money back, I mean it is only {$30.00} and I have always been a loyal consumer and this was my first dispute. It was never delivered I do not have any delivered date except for a screenshot of him saying it would XX/XX/2018 at his word. I have bills that need to be paid soon so I need this solved soon and get a credit added to my account. I sent documentation after documentation and they are taking forever to get this fixed. My other bank that did only took 7 business to get fixed. I love the service, but I just need the {$30.00} credited to my account and get this resolved. It has been 22 days including business days and nothing after I submit good proof to get this resolve fast.
Product: Payday loan, title loan, personal loan, or advance loan

Hello, I'm California resident and a customer of Mobiloans since XX/XX/2023 when I took a loan due to XXXX hardship. The loan amount was {$1500.00}. What I didn't realize at the time was the extremely high charges that would come with that loan. 

After realizing it and reviewing the account statements, I saw that the immediately started billing me {$140.00} for " Fixed Finance Charges '' every XXXX weeks. For someone with financial issues and not even having {$1500.00}, I thought it would be almost impossible to get over something like this. I even thought it was strange for something like this to be legal since it reminded me of loan sharks. 

So, I went online and found an alert posted for Mobiloans ( XXXX XXXX XXXX Louisiana ) XXXX the in the California Department XXXX XXXX XXXX and XXXX ( XXXX ) : XXXX XXXX XXXX XXXX XXXX  ~ : XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX, ( XXXX ) XXXX XXXX XXXX XXXX Per the above alert link " XXXX XXXX of Louisiana is not licensed to conduct business in the state of California XXXX It also directed complaints to the Federal Trade Commission ( https : XXXX # / ) and the XXXX Consumer Financial Protection Bureau XXXX CFPB XXXX : XXXX XXXX ). 

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

Good Morning, My name is XXXX XXXX I am a recent Flagship Credit customer. 
My Account number is XXXX I purchased a XXXX XXXX XXXX in XX/XX/XXXX that was financed by Flagship Credit under fair terms at the time.I had some isome payments deferred XXXX, due to income/work issues. My payments were current fthrough the end of the loan. 
On XX/XX/XXXX I made what I believed was my last installment Loan Payment to Flagship Credit. 
In XXXX I received a call from Flagship which I promptly returned and was told that I has an outstanding balance of {$3200.00} for what I understood was interest. When I spoke to the Customer Service agent, I was told that I no longer had any installment payments remaining. I was told that I had a remaining balance which I was told was interest accrued. I told them that could not make the lump sum payment and agreed to continue to pay the debt. 
On XX/XX/XXXX I paid XXXX via the electronic portal. 
On XX/XX/XXXX, I made a payment of {$700.00} via the XXXX XXXX. 
On XX/XX/XXXX I paid XXXX via the electronic portal. 
On XX/XX/XXXX, I made a payment of {$700.00} via the XXXX XXXX. 
On XX/XX/XXXX, my vehicles transmission failed and I received and I received an estimate of over {$7400.00} for the repair. 
on XX/XX/XXXX I called Flagship about possibly settling the remaining amount since my vehicle was no longer operable ( Transmission failure ) and the repair was too costly Over {$7400.00}. 
I was asked to send the Repair estimate to Flagship, and I did so. 
On XX/XX/XXXX I followed up with a phone call and was told that a supervisor would be informed. 
On XX/XX/XXXX I followed up with an email and a Phone call requesting the status and was told the settlement was approved and that I would receive the settlement via email. 
On XX/XX/XXXX I followed up and called Flagship Cust Service and was told a message would be sent to the account manager. 
On XX/XX/XXXX I followed up and called Flagship Customer Service and was again told that a message was sent to a Supervisor. During these exchanges, I was never informed that the account was going to be past due or that it would be reported late. Otherwise I would have withdrawn the money from my retirement account and paid off the debt as I did in XXXX. In XXXX, Flagship Credit Posted my account as paid in full and XXXX  days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX XXXX XXXX and the credit bureaus multiple times about this fraudulent account Opened XXXX XXXX, 2016 with a Balance of {$1300.00}. Other than been fraudulent, the bank is still reporting a balance of {$1300.00} after they charge off the account years ago. The way they are repotting this balance is raising my credit utilization. This double error has prevent me from getting necessary financing for my family.
Product: Credit reporting or other personal consumer reports

Subject : Request for Validation of Debt - CITIBANKNA XXXX Dear CITIBANK, I am writing in response to an alleged debt associated with CITIBANKNA XXXX. I am requesting validation of this debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g. 
I dispute the validity of this debt and am immediately requesting that you provide the following information : 1. The ORIGINAL CONTRACT with original creditor WITH MY SIGNATURE attached. 
2. The PAYMENT HISTORY with the original creditor. 
3. I am also requesting a copy of a PROOF OF DEBT ASSIGNMENT. 
If you are unable to provide proof of my requests, then the erroneous information MUST be removed within 30 days. Failure to comply could result in willful non-compliance and negligible non-compliance by your company. 
ALSO provide me with the following pertinent information ; 1. Verification of the original creditor and the full amount owed. 
2. Detailed accounting of the debt, including any fees, interest, or charges added. 
3. Proof that you are licensed to collect debts in [ Your State ]. 
4. Documentation proving that the statute of limitations on this debt has not expired. 
5. Any agreements or contracts signed by me obligating me to pay this alleged debt. 
Please note that until the validity of this debt is verified, I demand that you cease all collection activities, INCLUDING REPORTING TO CREDIT BUREAUS. 
Furthermore, I assert my rights under the FDCPA and request that all further communication regarding this matter be conducted in writing only. 
Please respond to this request within 30 days of receiving this letter. Failure to provide validation of the debt will result in legal assumption that this debt is invalid, and all collection activities must cease. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX & I only work part time as an XXXX  in a XXXX. I owe Approx. {$7000.00} on this debt. It is personally a very big hardship for me to pay this debt off. I started paying {$10.00} a month. I had gotten laid off from a job in XXXX & I was paying {$10.00} a month. I have a very large family filled with neices & nephews & I honestly tried to help them take courses to better themselves. My sister passed away & I assisted to raise her children after she died in front of my neice who was attended school where my sister died. Please kindly give me some guidance if a debt ORIGINALLY DATED XX/XX/2006 VISA still has to be paid. IT IS A PERSONAL BURDEN & A GREAT HARDSHIP FOR ME TO PAY OFF THIS BILL. I AM GRATEFUL FOR YOUR KIND ASSISTANCE WITH THIS REQUEST. MAY GOD BLESS YOU. Please kindly note : I did read the CFPB Website. I AM SO VERY GREATFUL THAT I FOUND CFPB. I have a very strong Faith. I know that XXXX XXXX XXXX XXXX placed a nice kind XXXX on the phone with me this afternoon to kindly assist me with my questions from CFPB since I was overwhelmed with my XXXX XXXX. May God Bless you. THANK YOU FOR YOUR KIND ASSISTANCE. BLESSINGS.
Product: Debt collection

A debit collection company called ProCollect , INC contacted me on XX/XX/XXXX, claiming that I owe a debt of {$200.00} to a student apartment in XXXXXXXX XXXX XXXX I was sure that I didn't own the debt because I never lived in any cities in XXXX XXXX XXXX in my life and I was no longer a student since XX/XX/XXXX. 

I called XXXX and explained this to them. They told me that they would verify my identity with the student apartment. I didn't hear anything from them after that so I thought the problem was resolved. 

XXXX XXXX XXXX XXXXXX/XX/XXXX ), when I check my credit report, I noticed there was a collection placed by XXXX on the credit report. It was placed in XX/XX/XXXX. I tried to call XXXX XXXX to claim that this is a wrong debit collection but they insisted that the apartment provided my social security number to them. 

I believe it is possible that it is identity theft. Someone used my social security number to rent a student apartment in XXXXXXXX XXXX XXXX. This person owns the debit, not me. It is quite easy to prove. I can provide documents to prove that I lived in XXXX XXXX XXXXXXXX and I never changed my address since then. Also, I can provide documents to prove that I graduated from a XXXX XXXX XXXX XXXX in XXXX with a XXXX XXXX XXXX ( so there is NO reason that I would rent a student apartment in XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I filed a dispute with Experian regarding my child support case payments and status. My child support ended on XX/XX/XXXX without a late payment in the last 10 years of its cycle. As of today XX/XX/XXXX my report shows 120 days late, last reported on XX/XX/XXXX. It also states that my child support case is still open. None of these statements are correct. I've reached out to the XXXX CHILD Support Enforcement numerous times. They gave stated my case is closed and in good standing. The XXXX Child Support has denied being the ones who's reporting this info. Experian has told me they have reached out to them. The child support agency says they have not spoken to anyone in regards to this case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a couple of inquiries on my credit reports on Equifax, XXXX and XXXX that I am not aware of/ authorized. I am sure someone close to initiated these fraudulent moves and it is now hurting my scores. 
These are the Unauthorized Hard Inquiries on my credit report : XXXXXXXX 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

Unauthorized credit inquiries on my credit report, I've sent TransUnion Consumer credit reporting, letters dated XX/XX/XXXX and XX/XX/XXXX, to include calling every month to their fraud department, " unable to reach live operator, just a recording and only option to place a fraud alert on my credit file ''. Unauthorized credit inquiries : XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ). I did not authorize these inquiries and requested TransUnion Consumer to send me documentation verification, they failed to do so.
Product: Checking or savings account

I will attach the online ledger that shows a {$25.00} deduction from the account balance. ( Gapping ) The transaction was only for {$6.00}. 

Oftentimes they will fill the account in with commonly used merchants, but I did not purchase anything. 

I am missing a lot of money.
Product: Student loan

On XX/XX/XXXX, I received my first notice from XXXX XXXX XXXX to recertify my income for an IBR payment, and it stated that I had until XX/XX/XXXX to recertify or my payment would change to a Standard payment amount of {$2000.00} on XX/XX/XXXX. I recertified on XX/XX/XXXX, and I was approved on XX/XX/XXXX for a payment amount of {$290.00} monthly to start on XX/XX/XXXX. In the process, my next bill for a payment due on XX/XX/XXXX stated that I owed {$2000.00}, significantly higher than the amount I had been paying. 

I contacted XXXX XXXX XXXX on XX/XX/XXXX, and after explaining the situation to an agent, I was advised that they did see the error and would correct it within three days so I could make my XXXX payment and still be eligible for PSLF with that payment as it should not have gone up. By XX/XX/XXXX, it still had not changed, so I called again, and I was informed that it could take 7-10 days, however it should be fixed by XX/XX/XXXX as that would be when I needed to make my payment. On XX/XX/XXXX, it still had not changed, and I called back. I was initially advised that I submitted my recertification late, thus the reason for the change, however I referred the agent to the letter sent on XX/XX/XXXX, and she advised me that I could not make my XXXX payment at this time as she was putting an Administrative Override on that payment since the amount was incorrect in the system. She advised me, however, that it would show up as past due for 30 to 60 days as it would take that long to fix. I am very concerned about this as this may then impact my credit report and show that I am not paying my lender on time given the long time it takes to process, especially when this error was not my fault. I have always recertified on time and made payments on time, so this is very troubling. I am also concerned that I continue to receive different information, and I no longer trust that this may be handled properly. 

Also, for reference, I was with XXXX up until XX/XX/XXXX, and they originally approved a 12 month IBR for XX/XX/XXXX to XX/XX/XXXX. When I recertified with XXXX XXXX XXXX in XX/XX/XXXX, they started my new payment amount immediately ( as of XX/XX/XXXX ), though it should have started on XX/XX/XXXX. It appears that the error started there, and as such, I am now being penalized.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I am filing a complaint against Loan Depot. The team we worked with came out of the XXXX XXXX XXXX , XXXX XXXX, XXXX, TX XXXX office. 

In short, we recently performed a Refinance with Loan Depot. I work as a Branch Operations Manager in mortgage, so I am familiar with the TRID requirements. Loan Depot gave us a {$2500.00} Lender Credit that they attempted to take back.I have emails and multiple evidence of them lying in order to try to extort a {$2500.00} check, outside of closing. After we confronted them about their misconduct they have still not stopped and the branch continues to try to extort this amount from us. If we were not more experiecne in the field we might not have known. They used HUD and the FHA multiple times as an " excuse '' to attempt to lie and take the funds.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XX/XX/year> Subject : Formal Complaint Against Harris & Harris for Violating Consumer Rights To Whom It May Concern, I am writing to file a formal complaint against Harris & Harris, a debt collection agency located at XXXX XXXX XXXX XXXX, XXXX, IL XXXX, phone number ( XXXX ) XXXX. They reported an alleged debt of {$260.00} on my credit report without providing the necessary validation information or affording me the opportunity to dispute the debt, as required by federal law. 

Specific Violations : 1. Failure to Provide Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) ) Harris & Harris reported the alleged debt to consumer reporting agencies without providing me with the required validation information, contravening federal regulations. 
2. Denial of Opportunity to Dispute the Debt ( 12 CFR 1006.34 ( c ) ( 4 ) ) I was not informed of my right to dispute the debt, nor was I given a reasonable opportunity to do so. 
3. Use of False, Misleading, and Deceptive Practices The agency has employed false, misleading, and deceptive means in their collection efforts, violating my consumer rights under federal law. 
4. Failure to Provide Required Disclosures ( 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( 7 ) ( A ) ) Harris & Harris furnished information about the alleged debt to consumer reporting agencies without providing all legally required disclosures. 

Additional Concerns : Dispute of Debt : I formally dispute owing any debt to Harris & Harris. 
Revocation of Communication Consent : I have revoked all consent for communication via email, text messages, or phone calls, requesting that all correspondence be conducted in writing only. 
Request for Debt Validation : I have requested comprehensive debt validation, including : The name and address of the original creditor. 
A detailed breakdown of the alleged debt. 
A copy of the original contract or agreement establishing the debt. 
Request for Purchase Agreement : I have asked for a copy of the purchase agreement or assignment of debt between the original creditor and Harris & Harris. 
Proof of Licensing and Bonding : I have requested proof that Harris & Harris is licensed and bonded to collect debts in my state. 

Despite these requests, Harris & Harris continues to act in violation of the law, causing harm to my credit and financial standing. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that Harris & Harris complies with the law. Specifically, I ask that the agency be required to : 1. Provide the requested documentation and validation. 
2. Cease all collection and reporting efforts until the debt is validated. 
3. Remove any inaccurate information from my credit report. 

Thank you for your attention to this matter. Please contact me if additional information is needed. 

Sincerely, XXXX XXXX
Product: Credit card

I entered my information into the database to opt out of prescreened consumer credit offers, but American Express persisted in sending me unsolicited offers.