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

I have received a copy of my credit report and it shows company KIA MTR FIN account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$8300.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Checking or savings account

Wells Fargo withdrew funds from my account in error, admitted the mistake, and promised a reversal. However, they are now delaying the return of my money. When withdrawing funds, they acted within 6 hours, yet they claim returning it takes significantly longer. This is an unfair and deceptive banking practice. I am requesting an immediate resolution.
Product: Debt collection

I received a letter from XXXX XXXX XXXX whilst I was in process of working with XXXX XXXX XXXX on a work related injury medical case. It was beyond me as the facility sent the bill to collection instead of waiting for me to get things settled. I can not do anything beyond XXXX. I can understand the impatient agency reported me to the credit bureau which I dislike. I called and paid off the amount with the understanding that they remove from my credit. They refused to remove from my credit. 
The other credit agency I spoke too confirmed that the law bar agencies from collecting debt out of state. This means they have to send back to the issuer who will have to work out with me again before finally sending it to another agency in where I am. This law is fair however I have paid the said agency they refused to remove from my credit despite breaching the law baring them from contacting me out of state. I issued an official letter stating to them they erred and gave them 1 month grace period starting XXXX XXXX, XXXX to fix it. They NEVER responded. I am therefore using this medium to get them do the right thing by removing from my credit.
Product: Debt collection

This account is not mine. The amount is {$8000.00} it was opened on XX/XX/2023.
Product: Checking or savings account

I was Charged for XXXX XXXX and equipment fee after closing XXXX XXXX with one of PNC banking Representative.. Also I was told by that representative that I do not need to return the device I should get rid of it and there are no charges for the device. The rep said we do not use second hand devices anyways XXXX got PNC BANK to charge my account for their device and added fees. I would like to be reimbursed. Also PNC had a representative call me 2 weeks later to inform me that they will not give me a refund for a transaction I did NOT AUTHORIZE.
Product: Debt collection

I closed my account with XXXX XXXX of XXXX. To my knowledge at that time, there was a paid balance, and I had {$0.00} due. Was not aware that there would end up being a closing bill of {$90.00}. I 'm guessing the summer went by and they sent my account to a collection agency. During that spring and summer XXXX failed to notify me of that closing bill. Now here is the issue. Collection agency also failed to notify me of their attempt to collect debt. Did not receive a letter by mail, e-mail, or a phone call. I found out through my credit report I had a derogatory mark and called the collection agency immediately. They claim that they spoke with me XXXX times WITHIN THE PAST XXXX WEEKS. but all three times were me calling them to verify my dispute status after my credit report gave awareness to their attempt in collecting debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act the following accounts have violated my rights XXXX account # XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX US SM BUS ADMIN XXXX XXXX XXXX 15U.S.C 1681 Section 602 A States that I have the right to privacy.

15U>S>C 1681 Section 604 A Section 2 States that a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I recently learned that my personal information was used to open 2 accounts XXXX XXXX XXXX XXXX opened XX/XX/2018 and XXXX opened XX/XX/2018. I  contacted the bureaus to dispute this matter over 45 days ago and I have not received any answer back from bureau or creditors. They are not cooperating or helping me to try and get this resolved immediately. It is not ok for them to report inaccurate information or information that does not belong to me. Please investigate this matter, close and delete these 2 accounts and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am STILL fighting to get these charges off of my credit, that were removed and then they put them back on there. XXXX XXXX XXXX the Billing company for XXXX XXXX and XXXX XXXX. I have been trying too get the information from the claims that were billed to my insurance company, billed claims, denied claims, correspondence with my insurance company. XXXX can only provide the invoice from the collection account they " brought '' from XXXX XXXX and when I attempt too contact XXXX XXXX or XXXX XXXX both companies have been closed down permanently, due too lawsuits from fraudulent billing charges. I also checked the XXXX all three companies XXXX XXXX XXXX XXXX  and XXXXXXXX XXXX XXXX  have complaints for fraudulent billing practices. I feel these charges are a scam, especially since they can not provide any proof or even the dates that I supposively used their services. I have disputed and filed complaints on MULTIPLE OCCASIONS. Can someone check into these fraudulent companies with their fraudulent charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX as a federally protected consumer am protected under the Fair Credit Reporting Act ( 15 USC 1681 ). The FCRA is intended to secure the right to accuracy, fairness, and privacy of my consumer information contained in the files of consumer reporting agencies and those rights have been violated. As a federally protected consumer, I have the right to privacy. Any and all information deemed private should not be posted to my consumer report ; Equifax is in direct violation of 15 USC 1681a ( 4 ) by furnishing this on my consumer report and is infringing upon my right to privacy. Equifax is also in violation of 15 USC 1681a ( 2 ) ( iii ) as I did not provide any authorization, written nor oral, to furnish the following hard inquiries on my consumer report - see Exhibit A : XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX - Card Services XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX. As a federally protected consumer, I am exercising my rights to choose not to provide this information on my consumer report and am asking that it be removed immediately. Equifax is also in violation of 15 USC 1681c-2 as these hard inquiries were the result of identity theft - see Exhibit B.
Product: Credit reporting, credit repair services, or other personal consumer reports

All my debts are gone and they are not reflecting the numerical score that matches my profile, my numerical score went to 4 from being in the 100 's. I can no longer even see a score on XXXX. This negative/derogatory reporting is infringing and limiting my liberties. I have NO debt and no score, how are they allowed to do this to a person. 

Failed to report the fact I do have a XXXX XXXX.
Product: Debt collection

So got a car loan through Santander consumer they was calling and harassing me over and over while I was at work then would get irate with me because I wouldn't answer I would tell them I was at work I can not be on the phone but they continued. I never received any bills in the mail nor email telling me I owed I would make an arrangement they never put a promise to pay and repoed my vehicle before I could make the arranged pay then when I called to see how to get it back they wanted to charge me XXXX to get back said that's the whole loan amount plus fees and tow bill and my address was never on file they never documented it when I called to give them my address and my name was wrong on the account I seen there was a class action lawsuit but idk if I could do anything and I lost my job that I was at for yrs because lack of transportation because of them. I never received any warnings other than they irate calls while I was at work I do not have any documents because they never sent me any
Product: Money transfer, virtual currency, or money service

XX/XX/2019 I used XXXX through my Bank of America App to transfer ( {$130.00} ) money for merchandise I did not receive. After contacting  Bank of America they said they likely wouldn't help because I initiated the transfer. I just want my {$130.00} back, it's causing my financial crisis.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a loan with XXXX  XXXX XXXX that was charged off in 2017. I called the XXXX XXXX to pay off the loan and found out the loan had been sold to XXXX XXXX. I called XXXX XXXX to settle the account for {$7200.00}. 
I paid them {$100.00} on XX/XX/2017 and {$7100.00}. Experian, XXXX and XXXX still wont show on my credit bureau that it was paid off. When I sent in my request to have it removed the Experian said they contacted XXXX XXXX XXXX and they said " the chargeoff was correct ''. My response is there was a chargeoff but I paid off the chargeoff even though it was sold by XXXX XXXX XXXX to XXXX XXXX. XXXX paidoff The XXXX XXXX and I in return paidoff XXXX XXXX. 
My credit bureau should read that the chargeoff was settled and paid off! 
If you have any questions or need proof of payment I can email proof of payments! 
Thank you, XXXX XXXX XXXX
Product: Debt collection

PayTomorrow LLC I had recently started an agreement ( <1 month ) with PayTommorrow for a product and have already ( XX/XX/XXXX ) made the first payment, having tried to contact them to let them know I had not received all the products ordered ( XXXX of XXXX ), they did not address this but rather sent me the email saying thank you for your payment of {$89.00}, the agreement was for {$66.00} and even shows this on the agreement. So first, the amounts for the payments have changed and after contacting them a few days prior to my next payment stating that I was not in the best of health and that I would be back to work at the first of the year, I was already being contacted by collections. During this initial contact, I received confirmation that this was acceptable and the late fees would be addressed, I was contacted again by the collection department for the amount of {$3800.00}. Essentially, neither department is relaying information to one another and this is causing repeat emails to be sent by the company. Now, as of this morning at XXXX on XX/XX/XXXX, I am reading a new email that was received on an international and religiously observed holiday, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed several hard inquiries that I did not authorize. These inquiries have negatively impacted my credit score. 

The unauthorized inquiries are as follows : XXXX Reported on XX/XX/year> XXXX XXXX  Reported on XX/XX/year> XXXX XXXX ( XXXX ) Reported on XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX Reported on XX/XX/year> XXXX Reported on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX Reported on XX/XX/year> XXXXXXXX XXXX Reported on XX/XX/year> XXXX XXXX Reported on XX/XX/year>XXXX XXXX XXXX Reported on XX/XX/year> XXXX XXXXXXXX Reported on XX/XX/year> I did not apply for credit, loans, or services with these companies, nor did I give them permission to check my credit. 

Upon discovering this, I took the following actions : I disputed the inquiries with the credit bureaus. 
I attempted to contact the companies involved for clarification. 
I am requesting that these unauthorized hard inquiries be removed from my credit report immediately, as they were not initiated by me. Please investigate this matter and provide a resolution as soon as possible.
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 : DPEDXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name XXXX 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: Mortgage

I have concerns that Quicken Loans is knowingly participating in predatory accounting practices in order to garner higher interest rate return on payments from VA loan recipients. On or around XX/XX/2019 I received an email notice from " Rocket Mortgage '' subsidiary of Quicken Loans that an additional payment of {$2000.00} to my principle had interest deducted. This prompted further investigation on my part. I identified that Quicken has an unpublished practice of applying additional funds as future monthly payments in order to garner interest against those payments. If the funds are less than the next scheduled monthly payment they place those funds in a suspended state until after the next scheduled monthly payment to apply to your principle, and I they are greater than your next monthly payment they apply the funds to a future monthly payment. This was further substantiated by their customer support center. I further identified that rather than applying my 3.25 APR to monthly interest draws they were applying 3.285 interest draws. This amounted to 3 to 5 additional dollars being drawn for interest payment each month. Quicken loans has not provided supporting justification for the change in interest applied and has refused to apply the over charged interest to my principle. They have only agreed to apply the past two months additional payments to my principle and not the interest overages. 

Again, Quicken Loans knowingly and with expressed intent defrauded military veterans and possibly others.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the 7th complaint all I'm asking is experian to do what they are supposed to do by law under the fair credit reporting act INVESTIGATE!!!!!!! I don't understand why it's so hard to have Experian do their Job!!!!! Its thats simple I am requesting Experian do there job and investigate in accordance with the fair credit reporting act. In doing so they will find said company XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2021 Phone # : ( XXXX ) XXXX My investigation has revealed at no point has the above referenced company ordered a copy of my credit report. I had to have Experian investigate the other Inquiry 25 TIMES!!!! Before they did their job. Very simple all the have to do is pick up the phone call the number listed and they will find at no point did the above referenced company order my credit report.
Product: Debt collection

XXXX amount posted. {$8900.00} Date opened XX/XX/XXXX A certified letter was sent on the XX/XX/XXXX, Requesting for Debt Verification and Removal from Credit Report Pursuant to 15 U.S. Code 1681s-2 I am writing to request the immediate removal of a debt that you are reporting to the credit bureaus under the above-referenced account. This request is made pursuant to 15 U.S. Code 1681s-2, which ensures the accuracy and integrity of information furnished to credit reporting agencies.

Please consider this letter as my formal request for validation of the debt you are reporting. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to request that you provide the following documentation to verify this debt : 1. The original agreement or contract from which this debt arose, including the names of all parties involved.

2. A complete account history, including any payments made, fees charged, and the current balance.

3. A statement of account showing that you are the valid holder of this debt and authorized to collect on it.

In addition, I request that you confirm whether this debt is being reported accurately to all credit bureaus. If any portion of this debt has been satisfied, discharged, or closed, I expect you to correct your records and immediately update the credit bureaus to reflect that status.

If you are unable to provide the requested documentation or if the debt is found to be inaccurately reported, I am requesting that you remove this debt from my credit file entirely, in accordance with your legal obligations under the FCRA. Failure to verify or validate this debt will result in its removal from my credit report. 
Please be advised that I am providing my consent for all communication regarding this matter to occur in writing only, as per my right to ensure all correspondence is properly documented. I expect your response within 30 days as required by the FCRA. 
If you are unable to validate this debt or fail to correct any inaccuracies in your reporting, I will take appropriate action, including but not limited to, filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other relevant authorities. 
Thank you for your immediate attention to this matter. I look forward to your prompt response and the removal of this debt from my credit report.
Product: Credit reporting or other personal consumer reports

Unauthorized hard inquiry in credit report for XXXX and XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal dispute regarding the inaccurate reporting of an unpaid charge off on my credit report by TransUnion. According to the Internal Revenue Service ( IRS ), an unpaid charge off is considered income, and as per the Fair Credit Reporting Act ( FCRA ), income can not be reported on a credit report. It has come to my attention that this account is now listed as a collection, further exacerbating the inaccuracies in reporting. 

I hereby request a 1099-C ( Cancellation of Debt ) from XXXX XXXX XXXX XXXXXXXX for the following charged off account : Original Creditor : XXXX XXXX  Account Number XXXX XXXX Date Opened : XX/XX/2021 Balance : {$730.00} Upon reviewing my credit report, it is evident that this account was purchased by XXXX XXXX XXXX and is now reported as a collection item. However, this reporting is in violation of the FCRA guidelines, as income can not be reported on a credit report. 

I am requesting that TransUnion conducts a reinvestigation into this matter promptly and provides me with a resolution within the legally mandated 15-day period. Additionally, I insist that TransUnion ceases reporting on this inaccurate account and proceeds with its deletion from my credit report.
Product: Credit reporting or other personal consumer reports

Im writing you today about a grave issue. My privacy rights are being invaded. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

For the record, Im the one whos initiating the disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. According to FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

In your previous correspondence you mentioned that my identity theft report needed to be filed with a law enforcement agency which subjects to criminal prosecution. One of these agencies is the Federal Trade Commission ( FTC ). FYI the report I was filed online WITH THE FTC which by your representation IS A law enforcement agency. My FTC Report # is XXXX & XXXX. I dont think you have reviewed the documents submitted & are sending me frivolous boiler plate responses to deflect from your responsibility to comply with FCRA laws. Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX