23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Complaint and demand to explain how many " loans '' under zero % interest XXXX has and with whom ; for which " litigation '' case and names of attorneys whose fees were billed to XXXX in the amount of {$220000.00} between XX/XX/XXXX to present time. Explain why she was charges XXXX times {$24.00} " late fee '' between XXXX XXXX to present time for every single transaction and the source of payments received by PennyMac on XXXX, XXXX, XXXX, XXXX and XX/XX/XXXX in excess of XXXX 's payments. Demand to provide a hard copy of the Servicing Agreement and copies of all insurance payments for over {$350000.00} of " fees and charges '' received by PennyMac and real Servicer Wells Fargo bank from any Insurer : The Department of Veterans Affairs or any other party who paid these {$350000.00} fees and charges. For example, On XX/XX/XXXX PennyMac received {$35000.00} non-borrower payment with late fee {$24.00}. Please disclose the source of this payment.
Product: Checking or savings account

On XX/XX/XXXX I filled an online application with HSBC Bank to open a Advance checking account and was declined with no explanation.The application reference is XXXX.I sent a letter on XX/XX/XXXX requesting the reason for the denial and have not heard from HSBC. 
I believe my application was declined for no valid reason.
Product: Debt collection

XXXX XXXX XXXX located in XXXX, Delaware made a serious mistake double billing Social Security for 2 visits on the same day and time. XXXX XXXX cleared their mistake up and notified the collection agency Waterfall Revenue Group located at XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX, NJ XXXX phone : XXXX who is fully aware of XXXX XXXX XXXX but refuse to remove the unpaid complaint from my credit report.
Product: Credit card

On XX/XX/XXXX, I received an email from American Express ( AmEx ) saying, " Reminder : Your Payment is Due ''. I wrote to XXXX on XX/XX/XXXX requesting an explanation since I had not used my AmEx card in years ; I also updated my mailing address in that same letter. On XX/XX/XXXX I received an email from AmEx, " Your address information has been updated '', indicating AmEx had received my letter of XX/XX/XXXX. I received no other reply or documents from AmEx. I sent AmEx another letter on XX/XX/XXXX asking why I was continuing to receive the " Reminder : Your Payment is Due '' emails and reasserted that I had not used my card in years. and had not received any bills from AmEx. Next, I received a packet from AmEx with copies of statements dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX. NONE of those statements show any charge from a merchant, only late fees and interest, so they were of little help in resolving this mystery. On XX/XX/XXXX I was alerted by a credit monitoring service that XXXX had unlawfully reported a late payment to at least XXXX credit reporting agencies. On XX/XX/XXXX I sent AmEx a certified letter demanding they rescind this unlawful late payment report. Finally, on XX/XX/XXXX I received an undated letter from AmEx indicating they were reversing the disputed charge along with interest and fees, but they did not mention the late payment AmEx reported, My credit report still shows a late payment and a {$64.00} balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a alert that a hard inquiry had been made two credit bureaus without my knowledge ( authorization ) on XX/XX/2019. 

I was notified via email by XXXX XXXX on Friday, XX/XX/2019 at XXXX XXXXXXXXXXXX. ( CST ) of the unauthorized hard inquiry from Capitol One USA. 

I contacted XXXX and XXXX and was advised to contact Capitol One directly, since the inquiry was initiated from their office. I contacted Capitol One and spoke with a representative, XXXX ID # XXXX. XXXX apologized and advised me to mail in a letter requesting Capitol One to remove the inquiry. 

I sent Capitol One a certified " letter of deletion to have the possible fraudulent inquiry investigated and removed from the credit bureaus. 

I received a letter from Capitol One dated XX/XX/2019 ( Case # XXXX ). The letter didn't address my request regarding the " hard inquiry, '' but rather provided me with general information regarding three types of " soft '' inquiries. The letter further gave me instructions of what to do if I didn't want future prescreened inquires. 

Because the unauthorized " hard inquiry '' was not addressed in the response, I contacted Capitol One again and spoke with supervisor, XXXX ID # XXXX, in reference to my complaint. XXXX advised me my case ( # XXXX ) was reviewed, deemed as a valid inquiry and closed. I asked XXXX how could the hard inquiry be a valid inquiry without my consent. I further explained I'm aware soft inquiries happen, as their response already stated. 
XXXX further explained although she understood, Capitol One deemed the inquiry valid. XXXX stated I'd have to contact the credit bureaus separately if I wished to further dispute the hard inquiry. 

I shared with XXXX XXXX, as well as XXXX sent me correspondence stating I'd have to contact Capitol One regarding having the hard inquiry removed. 

XXXX kindly apologized, but advised me again Capitol One deemed the inquiry a valid request, and therefore wouldn't investigate the matter further. 

I asked XXXX was there anyone else I could speak with regarding this matter, as this hard inquiry did have a negative effect on my credit score. I also shared with her the XXXX  and XXXX   advised me to take this matter up with Capitol One. 

XXXX again apologized but stated the case was closed. 

I expressed to XXXX my disappointment in the entire process, and in the lack of integrity Capitol One has given this possibly fraudulent matter. 

My only request was to further investigate, and send a letter to request the " hard '' inquiry be removed. 

It seems as if the credit bureaus, and Capitol One forwarded a " general '' letter without consideration possible the fraudulent activity. 

There has to be a better way to direct consumers in such cases. I've been on this merry-go-round since XX/XX/2019, and no one can still give me a clear answer on who's to remove the inquiry. 

Please help ....
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX  Account number : XXXX Account name : XXXX OF XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX
Product: Credit reporting or other personal consumer reports

I want to emphasize the seriousness of this complaint, confirming it is not an error. The inaccuracies in my credit report have caused significant frustration and inconvenience, directly impacting my ability to secure credit approvals.
Product: Credit reporting or other personal consumer reports

I have been Tring over the last year to get copies of my credit report from XXXX, XXXX, and TransUnion. They all say they don't see any trade items on my credit report and I also tried to obtain a loan from a loan company and they said the same thing and I don't understand why this is. I have had credit, and it should be showing.
Product: Debt collection

I consumer XXXX XXXX currently submitting a complaint against CKS Prime Investments a debt collection company. As i received an update of my consumer report of CKS Prime Investments reporting a collection account on my consumer credit report ( XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX ). The reporting of this alleged debt they claim i owe violates federal law and my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ). I never given CKS Prime Investments consent to have my personal information nor to report any alleged debt to the consumer reporting agencies which they have invaded my right to privacy pursuant to 15 USC 1692 ( a ). The alleged debt thats being furnished on my consumer report Violates the FDCPA 15 USC 1692e ( 2 ) ( A ) ( B ) as it is false and misleading representation as A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. I demand that CKS Prime Investments remove this alleged debt immediately from my consumer report. In this complaint i am notifying CKS Prime Investments pursuant to 15 USC 1692c ( C ) that I refuse to pay alleged debt and to CEASE & DESIST all communication with respect to such debt they're currently reporting. The term communication under the FDCPA means the conveying of information regarding a debt directly or indirectly to any person through any medium. The term " person '' means a natural person or organization. I demand that the following account be XXXX out and removed from my consumer report ( XXXX, XXXX, XXXX ) immediately as it results in a form of communication as you are in violation of title 15 chapter 41 under federal law of the Fair Debt Collection Practices Act. Please see attached removal letter sent to Debt collection company CKS Prime Investments through the CFPB with this complaint. Do to XXXX XXXX XXXX being in VIOLATION OF THE LAW. The law SAYS under CIVIL LIABILITY 15 U.S. Code 1692k - Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( XXXX ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court XXXX allow, but not exceeding {$1000.00} ;.
Product: Credit card or prepaid card

Back in XX/XX/XXXX/XX/XX/2018 I moved my full credit balance with Bank of America to another Credit Card company. I had elected to have my statements online so I was not receiving anything in the mail to review. Now, in mid-XXXX I am told my credit line is decreased, but more importantly it appears my account is now showing a delinquency with the reporting agencies adversely affecting my credit score. 

My issue is not with the interest charged, but with the lack of any kind of contact before reporting the delinquency. I do not understand why a paper letter or phone call was not placed in the 3 months it was open to me to help resolve before reporting the delinquency. Looking at the mail the morning of XX/XX/XXXX, I placed a call immediately to Bank of America and dealt with their horrible IVR that does not seem to have a setting for when it does not understand what you want to do to get you to a front line agent. Once talking to an agent I paid the amount in full and closed the account. 

However, I believe the bank 's practices on accounts in similar situations such as mine needs to be thoroughly looked at so the consumer is made aware of the issue before it gets reported to outside agencies and has the opportunity to resolve.
Product: Mortgage

Member First Mortgage ( through an " error '' ) released all of my credit report to my ex-husband without my consent. He is refinancing the mortgage on our marital home to buy me out of my share. My name is NOT on the application, and we are no longer married, but they provided my entire credit report to him without my consent or knowledge.
Product: Credit reporting or other personal consumer reports

I looked at my credit report and noticed I have XXXX inquiries : These items are not factual and need to be removed from my report! I am a victim of identity theft and these do not belong to me. 

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 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 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 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 Original creditor XXXX XXXXBalance XXXX XXXX XXXX XXXX  Total balance : {$810.00} XXXX XXXX Balance {$810.00} XX/XX/XXXX Total balance : {$5500.00} XXXX XXXX Original creditor XXXX XXXX Balance {$390.00} XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Balance {$530.00} XX/XX/XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$4400.00} XX/XX/XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Balance {$190.00} XX/XX/XXXX ADDRESSES that do not belong to me please remove them XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to all 3 credit bureaus ( XXXX, TransUnion and XXXX  ) on or about XXXX. As of today I have not received any response from XXXX and although I did receive a response from XXXX and TransUnion, they did not resolve the fraudulent issues on my credit report. 
XXXX completely failed to respond in a timely manner to my dispute requests, whereas TransUnion and XXXX just failed to properly investigate my accounts. I have attached a copy of my Identity Theft Affidavit and my Police Report for reference. 
I am demanding the bureaus comply with Federal Law and immediately remove the disputed information from my credit report as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( c ) and 605B.
Product: Debt collection

I want this inaccurate account removed from my consumer report due to the reporting of this account is inaccurate and a violation to my right to privacy which is stated in 15 USC 1681 section 602a ( 4 ). This debt collector is also using my personal identifying information to coerce me into paying an alleged debt which is a violation of 15 USC 1692d ( 4 ) and is defined by the FTC as debt parking. My rights have been violated and this account needs to be removed right away. 




Transworld Systems Inc XXXX XXXX XXXX | XXXX XXXX | XXXXXXXX XXXX PA XXXX Account Number : XXXX RE : Debt Validation Request I am writing to you in response to a collection notice I received from you on ( XX/XX/2023 Please be advised that this is not a refusal to pay, but a notice sent under the Fair Debt Collection Practices Act, 15 US Code 1692g, that debt validation is requested. 

Please provide me with the following information : Documentation that authorizes you to collect on this alleged debt and/or verification that this alleged debt was assigned or sold to you. 
Please provide me with the original creditor 's name and any supporting documentation. 
A signature on an agreement stating that I have agreed to assume the debt. 
A copy of the debt agreement, including the principal, interest, and any additional fees charged. 
Complete payment history and accounting of all additional charges being assessed Please provide proof that you are licensed to collect in ( state you currently reside ) along with your license numbers and Registered Agent or Agent of Service. 

If your office fails to reply to this debt validation letter within 30 days of receiving it, all instances related to this account if any exist must be immediately deleted and removed from my credit file. Moreover, all future attempts to collect on the said debt must cease. 

I request that all future communications with me be in writing and sent to the address noted in this letter. I will no longer accept telecommunication. 

If you fail to comply with my request, I will consider that as a waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. Take any action that could be detrimental to my credit reports during this validation period. I will consult with my legal counsel regarding the suit against you. This includes listing any information to a credit reporting repository that could be inaccurate or invalidated. 

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

MEDICAL DATA SYSTEMS ISSUED A DELETION REQUEST FOR THE COLLECTIONS ACCOUNT ON MY EQUIFAX REPORT. DESPITE REPEATED REQUESTS AND ATTEMPTS, EQUIFAX WON'T DELETE THIS. I HAVE A COPY OF THE DELETION LETTER.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was not sent in error, I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit repoRT and. Unauthorized use of my credit report I demand deletion of the items and information plus I demand monetary compensation.
Product: Credit card

On XX/XX/ XXXX XXXX I called my credit card ( Capital One ) to reserve a flight to see my mother because I just received word that she was XXXX. While arranging the flight ( XXXX to XXXX XXXX, Iowa ), my dad called me and told me that she XXXX I was trying to make a reservation for me, my daughter ( I'm a XXXX XXXX ), and our XXXX However, the agent told me that my XXXX was NOT allowed to go in the cargo hold ( she's over XXXX lbs ) on the flight to XXXX XXXX, so I would not be able to bring my XXXX  I said okay, because what else could I do. When I got home from the funeral, I saw that I had been charged for a flight for a XXXX XXXX$720.00}. I called the airline, XXXX, and told them that it wasn't possible because the flight had never been booked, so I couldn't have canceled it and I couldn't be charged. They said that there was nothing that they could do because they had no record of the flight. I gave them my XXXX number and my credit card number to try to find a record of the flight. They ended the call because they said that they had no record of the flight. I called my credit card company next. Capital One. I have had this same credit card for over 20 years. I started a dispute process. They wrote me a letter saying that they contacted the merchant and there was no record of me canceling the flight, so I had to pay the XXXX plus interest. I feel like these companies are being cruel. Right before my mom XXXX, I contracted XXXX. I continued to be very ill for XXXX weeks. In addition, I am a XXXX and I only have a small amount of paid leave. If I don't work, I won't get paid. XXXX XXXX XXXX XXXX XXXX XXXX, mourn my mom 's passing, and have the stress of being unfairly burdened by this charge.
Product: Checking or savings account

I requested my checking account from SunTrust Bank to be closed back in XX/XX/XXXX and I has not been closed. I received a call from a collection agency on XX/XX/XXXXstating that there are calling on behalf of SunTrust to collect a debt to the amount of {$180.00}. 

I went to SunTrust Bank to speak with the manager an have more details on the fees. 
They explained to me that some overdraft fee accumulated to my account before their close. When I requested my account to be close there was a balance of {$4.00} that was paid via a transfer from my saving account making an account balance to {$0.00}. 

The failure of the bank not closing my account when requested lead to some accumulated fees which I should not be responsible for. 

Unfortunately, the manager said she ca n't do anything about it since the account is now closed. 

I am requesting your help to help to resolve this issue. The current balance that I obtain from the bank is {$89.00}. 

I will be happy to see this charge cleared from my account. 

Thank you very much
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The following credit hard inquiries on my Experian credit report is fraudulent, unauthorized and dont belong to me : XXXX XXXXXXXX XXXX, XX/XX/2018, XXXXXXXX XXXX XXXX XXXXXXXX, XX/XX/2018, XXXX XXXX, XX/XX/2018, XXXX XXXX XXXX, XX/XX/2018, XXXX XXXX, XXXX, XX/XX/2018, XXXXXXXX XXXX XXXX, XX/XX/2018. The following collection account is fraudulent, unauthorized, not mine and dont belong to me : XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Had Disputes that were that I won and we're supposed to be deleted off of my credit reports. There were 2 Disputes that said Deleted and taken off my report, but I noticed that the highest one was still on my report so I messaged Experian and asked them to fix it and take it off. ( XXXX XXXX XXXX ) report # XXXX on XXXX XXXX. Well they opened another dispute and it came back on with another bill. Once again the larger of the two stayed and the other was taken off my report. I contacted Experian and asked what was going on and they told me they have no record of the original Accounts saying they're Deleted and taken off my reports. So now after talking with them there is 3 more collections from the same company and the original is still on my report. Also I had informed them of fraud that happened on XXXX that they took care of but didn't take into account about my original complaint. I would like these accounts that said they were deleted and taken off to be taken off my report. Along with all of the rest because if I can win 2 Disputes of this company they shouldn't have a leg to stand on and keep coming after me with different amounts just because they think they can. That's not right and I've proven they don't have original documents to prove other wise. I'm getting screwed by Experian & the XXXX XXXX XXXX at the same time back and forth.