23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Rent Recovery Solutions, LLC ( File No : XXXX ) is trying to collect a dept on behalf of XXXX XXXX, TX. My daughter was going to share an apartment with a friend several years ago and listed me as a co-signer. I received XXXX prior to her moving in, and she chose to move with me. She talked to the manager at the time and gave them a copy of my orders and also found another person to replace her as a leasee. The manager appreciated us doing that and told us that it was taken care of and there were no issues - issue closed. Several years later, they are saying that we owe them money for rent. We never heard from them in the interim years, and have moved a few times since then. When I asked them how they could even consider charging us for rent when we found another person to live in the apartment, they said they just decided to charge us for a different room without telling us. The new manager from the XXXX emailed me when I called her to complain and said she would look to find the lease and related paperwork and keep me in the loop on the status, but that was several months ago and I have no indication that they ever found any paperwork. They have now reported this to the credit companies and this has negatively impacted my credit right before I 'm closing on a mortgage - and could cost me thousands of dollars. Still, I 'm not going to pay something that I do n't owe. It does n't seem legal to try and collect on something that was never owed, especially after waiting several years to say that we owe money.
Product: Credit reporting or other personal consumer reports

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Employer XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, NY, XXXX Incorrect Name : - XXXX, XXXX, XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXXXXXX XXXX XXXX XXXXXXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Mortgage

Please Refer to my complaint. I have found the mortgage number along with letters relating to my struggle in refinancing through HARP. My son was going through XXXX XXXX XXXX ( at XXXX ) around this time and I was dealing with a XXXX XXXX class action. The account of the mortgage was XXXX. I lost my family home because every time I would fax the COMPLETE set of Harp documents to Wells Fargo, they would tell me they didnt receive them. I was accustomed to doing document productions and transmitting them as a legal assistant at XXXX, XXXX XXXX, XXXX and XXXX, and more ( XXXX XXXXXXXX XXXX ) and I know I was getting the run around from Wells Fargo. I have correspondence relating to this horrendous time and I can feel my blood pressure riding as I type this. I deserve a serious look at this.
Product: Checking or savings account

I opened a Chase Bank account and they sent me a notice they were closing it a week after opening it, and did the same with XXXX XXXX, but with no notice, and the same result happened. I hadn't even had the chance to use either.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans-union refuses to properly investigate unauthorized inquires that i did not do after several attempts of sending letters and phone calls they refused to investigate according to the FCRA they have 30 days to respond also according to FCRA anything unverified or inaccurate it must be deleted. 


Unauthorized inquires XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX  XXXX XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX Credit Bureau is reporting inaccurate information on I.C. SYSTEM, INC Original Creditor : XXXX XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting or other personal consumer reports

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

This account has violated my rights ; Validate Account 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 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. 

This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I am fully aware Transunion has had two separate computer glitches in XX/XX/XXXX & XX/XX/XXXX that cause all my inquiries to get deleted. Due to the circumstances that those computer glitch was TransUnion 's problem - not mines - which caused my inquiries to be deleted. Later Transunion added them all back onto my credit report and failed to give me the legally required written notice 5 days prior to them re-adding the inquiries. I am well aware of my legal rights and legal protections. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added on numerous occasions. These inquiries add a hardship to my life and my rights have been violated by TransUnion. Please help me make TransUnion stop victimizing me. As a resolution, I ask that all of my TransUnion inquiries be deleted permanently from my report as a violation took place when they were illegally added. I demand TransUnion not to be allowed to mock the CFPB 's authority by ignoring my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts and information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.
Product: Credit card or prepaid card

The treatment that the consumer ( myself ) received from Koals charge card 's support team is simply unacceptable. Despite making multiple attempts to reach out for assistance, the consumer was repeatedly met with unresponsive and unhelpful representatives. To add insult to injury, when the consumer was finally able to get through, they were blocked and prevented from making a payment. 

This kind of behavior is not only unprofessional but also downright callous. The consumer was dealing with a XXXX diagnosis during a pandemic, which made their situation all the more difficult. A company like Koals charge card, which is entrusted with handling people 's finances, should have displayed compassion and understanding towards the consumer 's situation. Instead, they chose to exacerbate the consumer 's stress and XXXX. 

Furthermore, the refusal to provide payment receipts or proof of payment is a deeply concerning practice. It's essential for consumers to have documentation of their payments to protect themselves from potential disputes or issues with their account in the future. The fact that Koals charge card is not willing to provide this basic level of transparency is not only a violation of the consumer 's rights but also highly suspicious. 

It is imperative that the Consumer Finace Protection Bureau ( C.F.P.B. ) Investigate this matter thoroughly and take appropriate action to hold Koals charge card accountable for their actions. The bureau should send a strong message to Koals charge card and other companies like them that treating consumers with such disrespect and disregard will not be tolerated. No one deserves to be treated this way, and it's crucial that we stand up for the rights of consumers everywhere. thanks for your time, sincerely XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting act, the accounts listed below have violated my rights. I have reached out to each credit reporting agencies multiple times and now my credit report show serveral inaccuracies. The following account show different report dates which is an inaccuracy that is hindering my credit profile. 

XXXX XXXX XXXX acct number : XXXX 15 U.S.C 1681 Section 602 A. States that i have the right to privacy. 

15 U.S.C 1681 Section 604 A section 2. It also states that a consumer reporting agency can not furnish a account with out 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 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. 

15 U.S.C 1681 ( A ) ( 4 ) States that : There is a need to insure that consumer reporting agencies exercise their grave responsibilites with fairness, impartiality, and respect for the consumers right to privacy 15 U.S.C 1681i ( 2 ) ( A ) States that : Before the expiration of the 5-business-day period beginning on the date which a consumer report agency recieves notice af an dispute from any consumer, the reporting agency must provide a relevant noticed at the listed address regarding the dispute process. 

All of the following rights have be violated and might I humbly add, as a natural humans person this has been the most frustrating process yet. I am exercising my last option before a take further legal displinary actions. It is with great hope that you all will insure the dudilgence of each credit reporting agency is carried out. Best regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX XXXX Date : XX/XX/XXXX EQUIFAX XXXX XXXX XXXX, XXXX XXXX GA XXXX Dear, Equifax ( SECOND XXXX REQUESTS ) This is my second request on the removal of these inquiries on my consumer reporter. I discovered multiple hard inquiries that's shown on my consumer report which have known actual accounts. Under the Fair Credit Reporting Act, no one may access my credit without my permission for the purpose of extending credit. I also Know any extension of credit should be given as I didn't receive anything from your company to be shown on my consumer report. Please remove all listed below before i take legal actions please. If accounts are not removed within the next 30 days I will be taking legal action with intent to sue. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am sending this letter certified mail for my protection as well as yours. Please forward proof to me at your earliest convenience or send a request to the credit bureaus that you report to if you discover this was an error.
Product: Credit card or prepaid card

In XXXX of this year, PNC Bank closed a XXXX card I held with it since XXXX. I filed a complaint with the Better Business Bureau immediately after. The facts are set forth below. The business was having issues with its mobile payment system. Despite informing its consumers via email, it refused to wave late and interest fees on my account as a result of its system malfunction. The business later closed my account and insisted that it was a my request, which is false. 

I made a payment to my account on its due date of XXXX XXXX, XXXX. There were continual issues with PNC 's mobile app that day ( this has been noted contemporaneously, and copies of said notice from PNC are attached ). Because of said issues, the payment was not submitted until after the cutoff time of XXXX XXXX on XXXX XXXX, XXXX. The representative I spoke with on that day coached me through making the payment via your website because of the issues with the app. They also confirmed making notation to my account of the issues, and assured that any fees in conjunction with the payment being potentially late would be reversed. 

On XXXX XXXX, XXXX, I advised a representative of my XXXX XXXX, XXXX experience, and asked that she review the notes accordingly. Her response was that her supervisor would return the interest to my account, but not the late fee. I replied that if, and only if PNC would not comply with its own policy concerning reversal of late and interest fees as well as the Fair Credit Billing Act ( FCBA ), I would institute proceedings to close my account. 

When speaking to the bank on XXXX XXXX, XXXX, XXXX XXXX credited my account {$25.00} for the late fee, and explained by admission, that what occurred on XXXX XXXX, XXXX was not standard protocol or PNC 's policy. And that PNC would not waive just interest, and not the late fee. Whether my inquiry to the Better Business Bureau prompted this response from PNC is unknown. But I was certainly not advised that it were returning the late fee as a courtesy, but rather to be in compliance with the bank 's own policy, which clearly was not carried out on XXXX XXXX, XXXX. 

While subjective, I would argue that PNC not complying with FCBA, and its own policies would be grounds to forcing my account closed. Further, if my account was closed due to misinformation and PNC 's position remains concerning reopening my account, which was only closed because of information and misrepresentation and non-compliance of its own policy, I have no choice but to request that the BBB document this matter for public consumption, and escalate this matter to the Federal Trade Commission, State Attorney General, and the three ( 3 ) major Credit Bureaus.
Product: Debt collection

This account was opened in XX/XX/XXXX and I had a {$400.00} credit limit. It was paid off completely of on XX/XX/XXXX ; payments totaled {$570.00}. I closed the account due to the high interest rate they charge on top of overpriced items. XXXX reflects a {$0.00} balance on my credit report, which is accurate, but also states that it was charged off and now a collection agency is reporting a balance as of XX/XX/XXXX in the amount of {$940.00}. If the account was closed with a zero balance in XXXX, how can there be a balance as of XX/XX/XXXX ... .5 years later of {$940.00}? XXXX and Jefferson Capital System both need to remove their fraudulent remarks from my credit. XXXX is owned by XXXX XXXX XXXX according to the XXXX XXXX XXXX website and as of XX/XX/XXXX the business filed Chapter XXXX Bankruptcy, case # XXXX. Out of XXXX Reviews on XXXX, their rating is a XXXX out of XXXX, have received XXXX complaints in the last 3 years ; 512 of which were closed in the last year. Jefferson Capital has received XXXX complaints in the last 3 years and XXXX complaints in the last year. Out of XXXX Customer Reviews, they have a XXXX out of XXXX on XXXXXXXX. This should speak volumes about how they conduct business. I saw a ton of affilitations between XXXX account and Jefferson Captial Systems. 

This company XXXX XXXX XXXX brags about helping people " build a better credit future '' but all they are doing is ruining their credit. They charge ridiculous interest rates and charge you double for the item. For example, they are currently selling a handheld game console called the XXXX XXXX  XXXX XXXX in the color Coral. It is being sold at XXXX for {$310.00}. However, XXXX  has the exact same item, in the exact same color for {$190.00}. XXXX has the exact same item as well and the same color and are selling it for the same price as XXXX  for {$190.00}. This is NOT ok!!! 

They, by their own admission charge XXXX % interest on top of these over priced items.
Product: Debt collection

I keep receiving strange court like documents that Im being sued for over {$9000.00} over regular mail. The only phone number provided ends up being automated and through the automation they want me to pay but I have no idea who they are. Now I look at my credit report and Im placed in derogatory standing with a company thats isnt familiar to me and theyve placed it on my credit report. The papers I recieved say they filed a lawsuit against me at the local courthouse and that they will seize and garnish wages the company is midland credit. Which isnt familiar to me.
Product: Debt collection

I sent a request for validation to DIVERSIFIED CONSULTANTS for the they claim I owe them, they received my initial letter on XX/XX/2018 and they also received my 2nd letter dated XX/XX/18. I have not gotten a response or resolution for this issue which is affecting my personal credit. As of XX/XX/18 DIVERSIFIED CONSULTANTS has not replied. Also they didn't furnish the credit bureaus with a notice of dispute on my account. I sent a letter to the Chief Executive Officer XXXX XXXX XXXX explaining all of this and told him his company needed to delete it from my credit reports but he chooses not to. Please help and thanks for your review.
Product: Credit card or prepaid card

XXXX XXXX  has me owing {$1800.00} and its closed and this is not accurate I have not made these charges and it needs to be removed from my credit report. I have tried to dispute thus numerous amounts of times but they send me messages saying that is is accurate. Please get it removed off my report cause its not fair that Im being charged and accused of something false that I did not do
Product: Checking or savings account

By the XXXX of XXXX XXXX XXXX put my bank account in a restricted mode where I can not access or anything. 

It was because of a Transfer between the account on my own name in XXXX  XXXX Bank and Alliant Credit Union. They allow me to make the transfer but then " the system did not recognize '' the XXXX  XXXX Bank account as mine and the transfer was stopped and my account restricted. 

Since then they XXXX  asked me for a Bank XXXX in XXXX. I sent XXXX from XXXX because I was on XXXX. They receive it and after several days when I called they told me that they need the statement of XXXX XXXX because the transfer appear as such. 

They do not even take the job to check that XXXX  XXXX Bank was a division of XXXX XXXX as it was stated in the same statement and they do not even check it online in the bank webpage or google it. 

After that more time was spent without any answer and they asked for the statement of XXXX because I sent the XXXX of XXXX. I sent it inmediately. Then they told me to wait XXXX business days. Those days where complete today and they told me today that the sector who is handing this is not answering and they can put a request so they would call me later. 

I have more than XXXX dollars in my account frozen and it is not being handled properly.