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

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Sent my letter off on XX/XX/XXXX. I told the credit bureaus to " investigate every piece of information '' on the account I have listed below. Also I have attached the letter I sent out and here is the tracking # XXXX According to the FRCA The term " investigative Consumer Report '' means a consumer report or portion there of in witch information on a consumer 's character, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are not reporting 100 % accurate. And according to the FRCA XXXX XXXX XXXX everything has to be 100 % accurate. 

Accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Accounts # XXXX, # XXXX, # XXXX, # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX 15 U.S.C 1681 section 602 A. States 1 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.
Product: Credit reporting or other personal consumer reports

Once again experian is closing disputes without resolving the issue. They give reasons that have absolutely nothing to do with the fact they stole 17 months of on time never late payments to XXXX and refuse to give them back
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3000.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance : {$3700.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> {$140.00} XXXXXXXX XXXX and I filed for dispute .XXXX XXXX agreed to Remove account due FCRA violations.However XXXX havent responded to the dispute.
Product: Credit reporting or other personal consumer reports

I filed a dispute with XXXX regarding the derogatory credit reporting from this creditor. XXXX XXXX XXXX responded to XXXX advising that the file was accurate and correct and no action will be taken. I respond back to XXXX XXXX XXXX in which I submitted a request for Verification of Debt which they received on XX/XX/XXXX ( I sent the letter via registered mailed through the USPS ). As of the date of this letter, XXXX XXXX XXXX has failed to respond back to my request. 

I re-disputed the case with XXXX once again as identify theft in which XXXX XXXX XXXX again just responded that the file was accurate and refused to remove the derogatory reporting. The failed to provide me nor XXXX any documentation to support their position and due to the failed to comply with the Request for Verification of Debt within the 30-days timeframe, the file must be removed. 

I filed a police report ( confirmation # XXXX ) with the XXXX XXXX XXXX on XX/XX/XXXX. I do not owe them, and they do not owe me anything. My request is simply to have this inaccurate file removed.
Product: Credit card

XX/XX/year> my credit card and phone were stolen, I submitted a police report with the XXXX police department and filed a report with my company since it was a company issued phone that was stolen. I contacted Chase that same day and let them know to close the card and I noticed charges were already posted. I disputed 4 charges- one at a bar ( {$26.00} ), two at gas stations ( $ XXXX {$26.00} ) and one at XXXX XXXX in Louisiana ( {$1200.00} ). The fraud department allowed 3 of the charges to be removed, but kept the most expensive charge for {$1200.00} at a XXXX XXXX XXXX in Louisiana. I submitted the police report, the phone report, and a history of my location for that day showing I was in XXXX on the day the fraudulent transactions occurred and I am still being held liable for the fraudulent purchase. I have reopened the closed investigation twice now and have not been successful at removing the unauthorized charge. I called the XXXX XXXX XXXXXXXX and they would not allow me to get a copy of the transaction or camera footage.
Product: Debt collection

On or around On XX/XX/XXXX I contacted CREDIT CONTROL through the CFPB protal and I notified them not to contact me anymore. Since then the have contacted me on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. That is a total of 6 times. I will now be seeking damages for violation of my consumer rights. I am making this complaint as notice.
Product: Credit card

My XXXX statement for my XXXX 's account showed a remaining balance of {$180.00}, due XX/XX/2023. On XX/XX/2023, I submitted payment in full ( {$180.00} ). For some strange reason, and unbeknown to me, on XX/XX/2023, Comenity charged my XXXX 's account {$2.00} for interest on purchases. This {$2.00} amount was due XX/XX/2023. What purchases? There were no additional purchases once I fully paid my balance on XX/XX/2023. Because I wasn't aware of this {$2.00} balance due in XXXX, it was not paid. On XX/XX/2023, my account was charged another {$2.00} late fee. It was also subsequently charged another {$2.00} on XX/XX/2023. By the time I became aware of this issue, the balance due on my XXXX 's account stood at {$6.00}. 

I've never had any other clothing credit card charge interest after the balance has been paid in full! I've never missed a payment, nor been late with my payments. More often than not, my payments have well exceeded the minimum amount due. This is a shady business practice that has the potential to negatively affect my credit score, and for what? My account NEVER should have been charged anything after paying the balance in full! 

As soon as I became aware of this situation on XX/XX/2023, I called Comenity and spoke with XXXX. After consulting with his supervisor/manager he didn't remove each charge, but rather credited each one. While this clears my account, it still has the potential to damage my credit report by reporting a late payment history. I want to ensure my credit report reflects the correct payment history, absent of any late payment.
Product: Debt collection

I have asked this company Harris & Harris of Illinois , Ltd to validate an alleged debt that they claim that I owe and to cease all communication with me immediately. I have never contracted with them and have no idea who they are. They have continued to contact me and harass me through mail and numerous of phone calls. They have violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) Failure to validate this alleged debt. I refuse to pay this alleged debt until the proper validation of this debt is provided. 

15 USC 1692cI Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. 
Furthermore, they do not have any jurisdiction or authority to even collect on this alleged debt. 
FDCPA 811 [ 15 USC 1692i ] Legal actions by debt collectors ( a ) Venue Any debt collector who brings any legal action on a debt against any consumer shall ( 1 ) in the case of an action to enforce an interest in real property securing the consumers obligation, bring such action only in a judicial district or similar legal entity in which such real property is located ; or ( 2 ) in the case of an action not described in paragraph ( 1 ), bring such action only in the judicial district or similar legal entity ( A ) in which such consumer signed the contract sued upon ; or ( B ) in which such consumer resides at the commencement of the action. 
( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors.

They are claiming to be a debt collector who have paid for my debt from another company but is also a law firm. An attorney can not be a debt collector and a debt collector can not be an attorney.

FDCPA 807 [ 15 USC 1692 ( e ) ( 3 ) ] False or misleading representations 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 : The false representation or implication that any individual is an attorney or that any communication is from an attorney. 

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished my account that I didn't agree upon and I didn't sign an agreement on a legal contract. A legal contract is signed by two parties and I did not participated in any of it.
Product: Debt collection

A company called " QCS '' attempted to take {$200.00} out of my checking account. In addition they attempted to take {$25.00}. These attempts were made simultaneously. Two weeks later I started receiving calls from XXXX XXXX XXXX XXXX at my job and the caller claimed that they were attempting to collect a debt. I immediately asked for the details in writing and they stated that they had sent a letter. They had not. Each time they called I requested the details in writing. They claimed they sent it. I never received it. I stated, " if that is the case, FAX me a copy of the one you sent. '' They refused. I told them if they could not send it in writing, that I did not believe they were a collection agency but a scam. I asked them to stop calling me. They continued to call me every day for weeks. On XX/XX/XXXX15, nearly two months later, I received a letter from Qualia Collection Services, a unregistered collection agency claiming I owed a company called XXXX, XXXX the {$200.00}. I have never done business with XXXX, XXXX XXXX Louisiana Revised Statue XXXX requires collection agencies to be registered. ) I have sent them a dispute letter since receiving their letter. ( I can prove the calls via cell phone records. )
Product: Payday loan, title loan, or personal loan

I borrowed {$400.00} and they want want me to pay back like {$2700.00} that's crazy
Product: Credit reporting or other personal consumer reports

am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent INQUIRIES and ACCOUNT that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent INOUIRIES and Account from my credit report. : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I filed a chapter XXXX bankruptcy that was discharged on XXXX/XXXX/2008. I had a home equity loan with XXXX XXXX XXXX that was included. It is showing on my Equifax credit report as being reaffirmed. This account was never reaffirmed. I have disputed this with XXXX and Equifax several times and it is still reporting as being charged off after being reaffirmed on Equifax. The account needs to be removed from Equifax due to the bankruptcy was over 7 years ago. This account has been removed from XXXX and XXXX but still Showing on Equifax.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX  Balance : {$6000.00} XXXX XXXX XXXX  Balance : {$16000.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$7100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$26000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine.
Product: Payday loan, title loan, or personal loan

I fell behind on my loan due to employment and COVID starting XX/XX/2020. I have recently made two payments but the company has called me every day possible since XXXX. I have told them several times that this behavior is harassment and will not help them get their money fast. Yet, they call me multiple times every day. They are a harassing faction and should be punished. Their number is XXXX
Product: Checking or savings account

In XX/XX/XXXX, my bank froze my accounts. There was a positive balance of {$23000.00}. 
I was locked out of my bank and all of my money until XX/XX/XXXX. I lost my home and my car. My husband died riding a bike to work, because we couldnt afford a car. 
The XXXX distributed {$4000.00} out of a {$26000.00} loan. The other {$22000.00} was blocked/denied and my loan was terminated. 
When I got control back of my bank, it had only {$2700.00} in it. 
I was told that the money in the bank went back to the original depositor. That is not true. 
My son ( just turned XXXX ) and my father got their paychecks deposited into my bank. 
They never got their money returned and neither did I. 
The depositor verified this on 4 occasions. 
I am paying money on {$12000.00} I never got, as is my son and my father. 

PNC bank has told me numerous lies about law enforcement having a hold on my money, when in fact, they did not. 
So, to sum it up. Me, my son and my father are all paying back money that PNC took from me. They didnt send it back to the depositor. They did not call to ask me any questions about my account before they cut me off of my money and took everything I held dear. There was NO correspondence from XX/XX/XXXX until XX/XX/XXXX. There should be upward of XXXX in my account. Thats just what I can count. The statements I always had online have been removed and online access has been blocked. 
One teller told me that PNC tried to return it, but it came back in XXXX and they blocked that deposit also. 
This bank destroyed my life and had an attitude while doing it. 
I have multiple recordings of them lying to me back and forth when I have called, as I recorded each call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report only to realize that I have two accounts with Synchrony Bank. I noticed one account has been reported as unpaid for about a year when I have the evidence that this account had been auto drafted from my account each month. I then called in to synchrony bank and got a rude representative that hung up in my face. I AM LIVID!!! I demand that both these accounts be deleted from my credit report immediately. I will be taking this to small claims court and filing an FTC report for their negligence if it is not resolved immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried on several occasions to get Experian and XXXX to correct my birthdate, but it still hasn't been corrected! XXXX  I'd reporting it correctly. My birthday is XX/XX/XXXX. 

Also. XXXX XXXX continues to report my account as a charge off and past due 120 days, but it has been paid in full.
Product: Debt collection

I received a call from RMS Recovery Management Services on Thursday XXXX XXXX. The female who called said I had to pay at least {$50.00} a month on the account. I had previously advised them that I could only pay {$20.00} a month. She refused to re-set up direct withdrawl monthly unless it was {$50.00} a month and would not help any further. I tried to set up the automatic monthly payments online, Again, it would only allow me to do so with a monthly payment of {$50.00} a month. Sounds like to me that she gets a commision if {$50.00} a month is paid, not {$20.00}. 

The reason it went to collections from XXXX XXXX was that, I could not afford the {$50.00} a month. If I could, then it would not have gone to collections. It was supposed to be taken care of by a student loan but I dropped classes and did not realize that would happen.
Product: Debt collection

I filed a complaint with the CFPB XXXX on XX/XX/2025, demanding that XXXX stop calling me. They ignored that request and called me again on XX/XX/2025, at XXXX XXXX time that was inconvenient. This is a violation of 15 USC 1692c ( c ). The law is clear : once I ask them to stop calling, they must stop. They didn't. The broke the law.
Product: Credit reporting or other personal consumer reports

For several years I have been trying to erase the bankruptcy from my credit report, I have sent multiple letters with the necessary evidence to erase this bankruptcy from my credit file to Experian and XXXX and they do not pay attention to me. It is bankruptcy. It was dismissed. It never happened, but a judge I stayed at the table I went to the bankruptcy court and asked if they sent any information and they told me that no, they do not report to the credit bureau separately, it was a dismissal.
Product: Checking or savings account

On XXXX XXXX XXXX, the representative at Wells Fargo in XXXX XXXX treated my mother and I in a very unprofessional manner. My parents tried to get me access to their safety deposit box in order to run errands for them, but I was denied access to the safe area due to my age ( XXXX ). The other managers at this specific branch allow me to accompany my parents into the private room next to the locker. Today this woman made a big deal about me going into the private room that was right next to the locker. There is another room further away from the vault containing safe deposit box, and my mother asked if we could go in there if the woman does not want me near the other safety deposit boxes. The woman denied us from taking our box from that certain area. She later told us there is a printable form that needs to be filled out in order for me to even accompany her into the corner room. Then when my mom requested for this form, another teller told her that a written consent would work too. The problem was not with the form, but instead it was with her attitude towards us when I tried to go into the private room near the safety deposit boxes. She humiliated us in front of other employees and customers. Me helping my parents put items into the safety deposit box once it is in a room had never been a problem before until now. We had a couple more transactions to do, but we left the branch in haste due to her attitude towards us. She made it an unwelcoming and hostile environment.
Product: Credit card

Company forced my account into email statements with no warning. ( We were a paper statement customer ) I did not receive statements. Upon learning that account was past due, I paid the entire amount except for interest since it wasn't my fault the statements were not recevied.

{$10.00} worth of interest was incurred and Company refuses to remove.
Product: Mortgage

I requested PMI removal from Specialized Loan Servicing on the XXXX of XXXX. SPECIALIZED LOAN SERVICING LLC received and verified the paperwork XX/XX/XXXX. I called XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with no success in getting PMI removed.

After filing a complaint with CFPB, PMI was then finally cancelled. In the communication with SLS, provided below, it stated that I would be refunded any excess PMI payments after the request date. I never received any credits or refunds for the excess PMI payments. 

From SLS : On XX/XX/2022 we received such authorization, and on XX/XX/2022 we sent a letter advising that we had received sufficient information to review the account for PMI removal. As noted in the XX/XX/2022 letter, after further review of the account we have canceled the PMI coverage for the loan. As noted in the enclosed XX/XX/2022 letter, any overpayment of PMI has been or will be issued directly to you. We regret any inconvenience you may have experienced.