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

Im submitting a complaint to you today to inform you that I was the victim of identity theft. I researched how to remove the fraudulent inquiry and personal information from my report and found that I needed to visit the Federal Trade Commission, or https : //www.ftc.gov, to file a report. Credit reporting agencies are required by FCRA Section 605b to remove or block any inquiry and personal information listed on an ID theft report. Please see the attachments for assistance in blocking the incorrect information that is being posted to my report. 

These are the following lists of inquiry and personal information that do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2021 According to FCRA Section 605B ( a ), the credit reporting agencies shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

ARM Professional Services XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XX/XX/2023 Subject : Debt Dispute for False and Fraudulent Charges Dear XXXX XXXX, I hope this letter finds you well. I am XXXX XXXX, writing in response to the debt claimed by ARM Professional Services on behalf of XXXX XXXX. It has come to my attention that there are false and fraudulent charges, as well as unjustified late fees, being asserted against me as a former tenant. 

During my tenancy, I consistently fulfilled my obligations as a responsible tenant, abiding by the terms of the lease agreement and adhering to all policies and regulations. I vehemently deny the allegations made by you and ARM Professional Services regarding {$1400.00} of paint damage resulting from a violation of the non-smoking policy. There is no evidence to support these accusations, and I maintain that they are unfounded and baseless. 

It is important to note that throughout my stay in the apartment, I encountered numerous issues pertaining to the lack of professional maintenance services provided by you. These issues resulted in unreliable receipts for purported repairs or services performed. I find it deeply troubling that despite our efforts to be responsible tenants, we were subjected to unprofessionalism and inadequate maintenance support. 

Furthermore, I must emphasize that you personally visited the apartment just one week prior to the move-out date. During this visit, it was communicated to you that the apartment required slight and partial repainting and that two light switch frames needed replacement. It was my sincere expectation that you would address these concerns and make the necessary repairs as the landlord before the end of our tenancy. 

Regrettably, it has become apparent that you failed to fulfill your obligations as a landlord. Your refusal to address these issues properly and your subsequent attempt to charge for these repairs are not only baseless but also indicative of a breach of your agreement to provide a habitable living space. 

Given these circumstances, I categorically dispute the validity of the charges and late fees being asserted by ARM Professional Services on your behalf. I kindly request that you conduct a thorough investigation into this matter and provide me with a detailed breakdown of the alleged charges, along with any receipts or documentation that substantiate them. 

I expect a prompt resolution to this dispute and the immediate removal of any false or fraudulent charges from my account. Please regard this letter as my formal dispute and an urgent request for a resolution of this matter. 

I would appreciate receiving a written response within typically 15 days acknowledging the receipt of this dispute letter and informing me of the steps taken to investigate and address this issue. Please direct all future communication regarding this dispute to the email address provided below. 

Thank you for your attention to this pressing matter. I trust that you will handle this dispute fairly and take appropriate action to rectify the situation. 

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

XXXX XXXX violated LA

W 25 USC 68016802 AND 6803 Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. Law 15 USC 6802 states that NON PUBLIC INFORMATION can not be shared by a financial to a THIRD PARTY ENTITY. ( THE CREDIT AGENCIES ) According to FCRA Section 605 B, It is illegal to report informTION ON MY CREDIT REPORT WITHOUT MY PERMISSION. Please REMOVE THE LATES FROM ALL THREE CREDIT REPORTS IMMEDIATELY. Thank you!
Product: Debt collection

According to 15 usc Code 1681 b ( a ) ( 2 ) that states you have to give them written permission to furnish anything on your report which I did not and they are invading my privacy.

This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Which they did not and I also got this deleted from experian for inaccurate information and the debt not mines.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, yes I have 2 accounts that are showing 2 late payments on each of the 2 accounts. Both of these late payments on both accounts were from the result of my accounts and my checking accounts being fraudulently hacked into and my accounts and assets being frozen until the security breach was fixed on all my accounts. Which because of this made it to where my payments where processed by them after there security breach was fixed. Not because I failed to pay the payment. All my payments are set up on auto pay, I feel like the security breach that caused them to freeze all activity and not let my automatic payments go through was not my fault therefore I should not have to have my credit damaged because of it. Ive disputed it through XXXX XXXX  and they couldnt help me and I kinda been feeling ran over and helpless. So there is when I reviewed and found out about filing a complaint with you all. I just think its messed up that they let people hack there systems and dont protect my account informations any better than they do but then on top of that try to make me look like I dont pay my bills on time. When if there was any reason for them not pulling my payment from my checking account on time was because of a security breach or fraudulent activity on there part. Ive been building my credit for a good long while now and take pride in working hard and paying my bills on time and its just really frustrating to have some XXXX dollar cash enterprise try to take that away from me because they dont wan na admit there own weak security and processing system. I pray this reaches someone with a drive to help me. Thank you for your time and god bless.
Product: Student loan

XX/XX/XXXX spoke with my current loan servicer and requested a refund of all payments made during forbearance period under the CARES Act, which should total {$5000.00}. Loan was transferred to current servicer from FEDLOAN only months prior to request, but I was told while speaking to my current servicer I could request all payments made to each servicer be refunded by the US Dept of Treasury at the same time, no need to make contact with FEDLOAN. Was told 30-45 days to process. As of XX/XX/XXXX, total balance has only reflected return of payments made to current servicer ( though those funds have not been yet been direct deposited to bank account ). No payments made to FEDLOAN during forbearance period have been refunded. Unable to reach customer assistance by phone to follow up due to consistent high volume of calls, and disconnection from line while on hold.
Product: Debt collection

Hello my name is XXXX XXXX I rented from XXXX XXXX at XXXX XXXX XXXX XXXX TN last year and during move in they gave me dirty apartment and said you do not have to pay for it as you have recorded it in the inspection list during move in. So after I moved out in XXXX last year everything was good until this XXXX they reported my account to collection about the cleaning charges. I asked them to send evidence of cleaning and I will pay the charges which was never sent. So I reported this to XXXX and Equifax. XXXX did the investigation and removed that from my account as it was a fraud charge. But I have been doing back and forth with Equifax since 2 months providing them all documents, police report but still without doing the investigation they are saying account belongs to you. whereas I reported about fraud charges and not about account belonging to me. So please help me with this to complaint about Equifax not doing the investigation. Also I was even assaulted in the community for which I had to call XXXX and I had asked to move-out but they said you have to stay the whole term till the end of the lease and never did leave me to move out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not owe the Minnesota Department Child Support Division of XXXX  County. 
I spoke with the Child Support Officer : XXXX XXXX at lenghth. Also, she gave me proof of ths that the case is closed and there are no arrears. My child mother also got a copy and supported the decsion as well. This is not accurate, therefore this should be remove. Please honor the Fereral Trade Commission guildlines.
Product: Mortgage

I requested a HAMP loan modification inXX/XX/XXXX. Ocwen Loan Servicing just responded that they will not modify the loan because it was included in a Chapter XXXX discharge. I am willing to assume the loan, so this answer does not seem correct. Ocwen also said that they need a complete Family Transfer Package. I sent them a completed family transfer package in XX/XX/XXXX, and they acknowledged receiving it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide. Based on their lack of response in the time frame allotted and lack of investigation results they have not abide by the laws.
Product: Money transfer, virtual currency, or money service

On  XXXX / XXXX / XXXX  - I was the victim of an internet scam. The fraudsters convinced me to issue a cashiers check for {$9000.00} and put it in the mail. The check would take 4 days to arrive in  HI. My friend came to my home and I discussed the matter with him and realized that it was a scam. We immediately called Wells Fargo fra ud department to stop the cashiers check after submitting all requested information we were given a case number. We then went to the  XXXX  CA branch and spoke with  XXXX   XXXX . We presented him with the stub from the cashiers check, explained what happened. He called the fraud department, closed the checking and savings accounts, blocked online access, and assured my boyfriend and myself that a hard stop had been placed on the cashiers check and that the fraudulently stolen funds would be returned in about a week.  XXXX  asked me to come in the next morning to open new accounts. I came in the next morning, opened new accounts.  XXXX  assured me that everything was safe and that the {$9000.00} would be transferred to my new account. Note - A police report was called in to  XXXX  PD since that was the location where the check was sent.     On  XXXX / XXXX / XXXX  I called the claims assistance center to follow up on the status of the {$9000.00} going back to my account. They said a form was missing and that they would mail it. I did not want to wait so I went back to the  XXXX   XXXX  and spoke with  XXXX   XXXX . He called the claims center, and they did not know what form he needed, so they would call back. In the meantime, the claim was closed. On  XXXX / XXXX / XXXX  with the stress from this situation I went into the hospital with  XXXX   XXXX  and was kept   XXXX   XXXX   XXXX  . I was released Sunday night.     As it turns out  XXXX  at the  XXXX   XXXX  failed to have us fill out the correct fraud paperwork for a cashiers check to create the bond to protect us from the loss. In addition, on  XXXX , the  XXXX  branch refused to accept the affidavit of check fraud that was requested by the fraud department. The check was cashed when  XXXX  had assured us that a hard stop had been placed on the check on  XXXX / XXXX / XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made with and on : XXXX - ( XX/XX/XXXX ), XX/XX/XXXX, XX/XX/XXXX XXXX - XX/XX/XXXX XXXX -XX/XX/XXXX, XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I 'm sure you 'll agree that verifying your information is in your best interest.
Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, Thank you.
Product: Credit reporting or other personal consumer reports

Bureau Name : Bureau Address : [ Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified. the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : Fraudulent Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over XXXX   days and I have not received any investigation results.
Product: Checking or savings account

On XX/XX/XXXX I used my Chase debit card to pay XXXX XXXX Credit Services {$200.00}. 
On XX/XX/XXXX, XXXX XXXX Credit Card Services reversed the {$200.00} credit. 
I have asked Chase repeatedly why they reversed the {$200.00} credit. 
I asked an attorney to send Chase a letter asking this question. The attorney sent Chase a letter on XX/XX/XXXX and Chase has never responded to the attorney. 
I have included detailed letters and statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the 3X Equifax has sent me this letter XX/XX/2020 requesting it again Why does it say UNABLE TO LOCATE A CREDIT FILE IN OUR DATA BASE???? Why when I send Lease, Social Security Card WE ARE NOT SUPPOSED TO LET ANYONE ELSE SEE RISKING 2Xs Do they not have? I do not think it wise to send again I am a victim of deninty theft. 
I have been unscuccessful contacting them on line due to my hand XXXX When I call My questions are not answered or resolved HOW CAN THEY HAVE NO RECORD OF ME? WHY DO THEY REQUIRE RISKING CONSUMERS PRIVACY SENDING SOCIAL SECURITY CARD? DO THEY NOT KNOW WE ARE TARGETS TO HAVE OUR SOCIAL SECURTY STOLEN IN NUMEROUS SCAMS? NO WONDER SO MUCH IDENINTY THEFT GOING ON THESE DAYS WHY AREN'T THEY GETTING WHAT I SENT?
Product: Checking or savings account

Hi, I logged into my XXXX checking account today and noticed some pending charges that I didn't recognize. 

The first was listed as a pending debit card purchase to 'moneylionloanrepayme ' for an amount of {$1000.00}. 

There are three other pending debit card purchases to 'XXXX  repayment ' each for an amount of {$320.00}. 

I do not recognize these charges, these charges were not authorized, and I do not recognize or have I conducted business in any form with any of these companies that are relating to these charges. Any information, or charges that were accrued were not to my knowledge, and I did not authorize these charges, or consent to any personal information these companies may have obtained. 

I've filed a fraudulent charges complaint with XXXX and is currently under investigation. Additionally, I've deactivated the debit card that was used in these charges ( on XX/XX/2021 ) and have requested a new one. 

XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Today XXXX XXXX there was a fraudelent inquiry added to my consumer report. XXXX XXXX XXXX ran my credit without my consent. Please delete immediately
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 


XXXX XXXX # XXXX XXXXXXXX XXXX  # XXXX XXXX XXXX XXXX XXXX # XXXX
Product: Debt collection

I keep getting calls all day from Comenity Bank and XXXX XXXX. I explained I was out of work, but they are now calling family and friends. It is a nightmare with them. XXXX and XXXX are some of the numbers that call from. How do I file a complaint against them. Some threaten legal action. 

Here is voice mail from them on XX/XX/19 You received a voice message on Thursday XX/XX/2019 XXXX from XXXX Inbox x XXXX Attachments Thu, XX/XX/XXXX, XXXX XXXX to me, XXXX You have received a new voice message From : XXXX Date : Thursday XX/XX/2019 XXXX Length:86 seconds. 

This message is for XXXX ... this is Mrs. XXXX calling from Comenity Bank. I need to hear from you today. If you are represented by an attorney for this matter. Please have your attorney contact me today so we can discuss your situation and options that are available to you during (? ) the rain if you choose not to return this message I will be left with no choice but to continue efforts to resolve this matter. Please understand that it is my intention to insure this important matter is resolved before we are forced to escalate. Please contact me today at XXXX extension XXXX. Again I am in the office until XXXX XXXX Mountain Standard Time and my number is XXXX extension XXXX.
Product: Checking or savings account

Overdraft fees were high and they and always took place when balance was low
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1681b ( regarding permissible purpose ), I have never granted the following companies any authorization to access my credit report, and they are in clear violation of this code. As a result, I am requesting the removal of the following account ( s ), as they are causing harm to my reputation, character, creditworthiness, credit standing, and credit capacity. 

Please note that I am filing a legal identity theft report with the FTC, which I am submitting under penalty of perjury, and I am enclosing it with this letter. Given your legal responsibility to protect my privacy, I expect this issue to be addressed with the highest level of urgency. 

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

OnXX/XX/19 I refreshed my credit monitoring accounts and discovered again that an unauthorized inquiry was on my Trans Union Credit Report. I submitted to Trans Union on XX/XX/2019 andXX/XX/2019that this inquiry was not authorized and they have still not removed it. Additionally, there are MORE invalid/fraudulent addresses on my Trans Union credit report that keep being added when Trans Union removes the fraudulent addresses. Please remove the fraudulent addresses and unauthorized inquiry as this is the THIRD request for this. I have even written in to dispute this unauthorized inquiry XX/XX/2019 and Trans Union failed to remove the inquiry.
Product: Checking or savings account

Third Stimulus payments being sent out by Navy Federal are being held to increase banks profits using interest. Banks are also charging members difference for payments 60 days after accounts are brought to balance.
Product: Payday loan, title loan, personal loan, or advance loan

Ascend, an online lender provides single-payment and installment loans. They believe that by making payments on time and borrowing again, borrowers can gain advantages. However, I recently discovered that the {$800.00} loan I took out with Ascend Loans carried an astronomical interest rate of 700 %, far exceeding the legal APR limit of 18 % in my state. Despite making XXXX payments of {$210.00} each, totaling {$1300.00}, I found myself exceeding the original loan amount in just two months. 

What's more, Ascend has made it incredibly difficult for me to access my loan details, including repayment options and my balance. Their account services show no active account for me, and when I try to register my email, I am only prompted to apply for a new loan, rather than view my existing one. This loan becomes not only immoral and predatory but also completely illegal due to the deceptive practice and Ascend 's excessively high-interest rate, which surpasses the legal limit by almost 20 times.
Product: Money transfers

hello i am in the process of registering a complaint again, about a matter that has been either overlooked or has not been addressed to the right people. to get the correct personal advice or action taken about this complaint.i know now that it is not fair to me and is a violation of my legal rights, or a trick just too get money out of a XXXX person that had too stop working because of a accidental household injury.. it is interfering with my lifestyle and i want the complaint registered until i get some information or feedback about it.,,, thank you XXXX, XXXX,