23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX,XX/XX/XXXX XXXX, IL XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Re : Dispute of Unauthorized Credit Inquiries under USC 1681 ( b ) To Whom It May Concern : I am writing to formally dispute the presence of multiple inquiries listed on my credit report, pursuant to the Fair Credit Reporting Act, specifically 15 U.S.C. 1681 ( b ), which ensures that information on consumer credit reports is accurate, complete, and fair.

Upon reviewing my credit report, I noticed that several credit inquiries appear which I believe to be unauthorized or inaccurate. The inquiries in question are as follows : 1. XXXX XXXX XX/XX/XXXX/2023 Reason : This inquiry has no permissible purpose to be on my report. Delete this inquiry immediately pursuant to 15 USC 1681b. 

2. XXXX XXXX XXXX XX/XX/XXXX2023 Reason : This inquiry has no permissible purpose to be on my report. Delete this inquiry immediately pursuant to 15 USC 1681b. 

3. XXXX XXXX XX/XX/XXXX2023 Reason : This inquiry has no permissible purpose to be on my report. Delete this inquiry immediately pursuant to 15 USC 1681b. 

4. XXXX XXXX XXXX XXXX XX/XX/XXXX2023 Reason : This inquiry has no permissible purpose to be on my report. Delete this inquiry immediately pursuant to 15 USC 1681b. 

5. XXXX XXXX XXXX XXXX XX/XX/XXXX2023 Reason : This inquiry has no permissible purpose to be on my report. Delete this inquiry immediately pursuant to 15 USC 1681b.

These inquiries were not authorized by me, nor do I recall granting permission for these companies to access my credit report. In light of this, I believe these inquiries are in violation of the Fair Credit Reporting Act and should be investigated and removed from my report.

Under USC 1681 ( b ), I am requesting that these unauthorized inquiries be promptly removed from my credit report, as they do not reflect accurate or fair information. Please provide written confirmation once this matter has been resolved.

If any further documentation or information is needed to facilitate the investigation, please let me know.

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$170.00}.
Product: Credit card

Hi- I have a Kohl 's Department store card. 
I received an email from Kohl's/Capitol One stating that I needed to activate my new card. 
I have not requested a new card-they said it was a XXXX  card ( which I have not yet received either ). My issue is that I did not apply for, nor do I want a new XXXX  Card. They stated my Kohl 's card was " upgraded '' I called to complain, then they told me that I couldn't close this account until I received my new card. I kept insisting they close this account as I did not apply for a XXXX  card, nor had I received the new card.They finally agreed to close the account. 
This is complete fraud in my opinion, stating I have a new XXXX card without applying for it. I am XXXX XXXX XXXX, perhaps it is elder abuse as well. Companies should not be allowed to falsify applications for XXXX cards for people that have not applied for them. Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX this is now on my 3rd attempt to remove my sisters information from my Transunion report. I have disputed these items 3 times # Transunion dispute numbers XXXX and XXXX with no peril. I also have spoken with XXXX regarding the loan that are not listed under my name. Im at a critical point because I was scheduled to go to settlement/closing on my new home by XX/XX/2019. But with these items on my TransUnion report, it wont happen and I will lose over {$7000.00}. This is my twin sister information, we have a similar name and social security numbers and have been having a difficult time getting Transunion to remove the information in a timely fashion. Can someone please help!
Product: Debt collection

The account with ERC was opened in XX/XX/21. The representative over the phone stated that I would have to pay {$300.00} XXXX. I have already paid them {$600.00}. I stopped paying them once I realized they increased the balance from what was actually owed. I have disputed this with XXXX and XXXX. The company is still denying my claims and hurting my credit more than it should.
Product: Debt collection

This letter serves as a formal notice to cease and desist all collection activities related to any alleged debt associated with my account. I am asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), and requesting that you cease all communication with me regarding this matter, except as allowed by law. 

Case law has affirmed my rights to request the cessation of debt collection communications. In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX the court ruled that a consumers request to cease contact must be honored by the collection agency to avoid further violation of the FDCPA. Any additional communication beyond what is permitted constitutes a breach of my rights under federal law.

Additionally, the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), reinforces the consumers right to privacy and the obligation of debt collectors to honor requests for cessation of contact. Ignoring this cease-and-desist demand will constitute harassment and a violation of the FDCPA. 

Please be advised that failure to comply with this notice may result in further legal action. This could include filling complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as pursuing other remedies to protect my rights. 

Thanks you for your immediate attention to this matter. I expect written confirmation that you have received this cease-and-desist demand and that you will comply with it accordingly.
Product: Debt collection

I recently was denied credit due to a delinquent bill. National Service Bureau is negatively reporting a collection that does not belong to me. I filed a police report with the XXXX Police Department. Identity theft report # XXXX and Report # XXXX with investigator XXXX. I was a victim of identity theft and I do n't owe this debt and I would like this item removed from my report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted many disputes to Equifax concerning this error on my credit report. Not all XXXX bureaus are reporting same information. Equifax is reporting different information. 
This is a violation and needs to be removed immediately from my credit report.
Product: Checking or savings account

On XX/XX/XXXX, I used my Chase credit card and the charge was declined. I immediately called Chase to ask why this happened and they said they have no info to give me over the phone and that I should expect to receive a letter from Chase. Thereafter, I received a letter dated XX/XX/XXXX20 stating only " We have decided to close your accounts. After a recent review of your accounts, we have decided to end our relationship with you. '' I called the number on the letter XXXX to inquire about the account and reached the Compliance Dept. They recited to me " we reviewed your account and determined that we can not maintain your account ; and as a result, made a final decision to close your account. '' That was it!! The Chase representative said he had no other details on our account and can not direct me to any other depts at Chase for me to speak to. Chase unilaterally closed our bank accounts without giving an explanation. Also, when I went to another bank to open a new account, that Bank opened a new account and closed my account the next day. Apparently, Chase closed our account and presumably reported the closure on check reporting companies so that we can not bank elsewhere. Also, I tried to open a new credit card and got denied with a credit score of XXXX?! I also had high balances in both my personal checking and savings accounts with no overdrafts, etc. I need ANSWERS!
Product: Debt collection

I contacted Transworld Systems in XXXX of XXXX  when I received an alert about a derogatory debt being placed on my three credit bureaus. I immediately contacted the debt collection agency Transworld Systems and advise them that I was disputing the debt. I sent written correspondence via fax requesting proof of the debt with TransWorld systems because I have never entered into any contractual agreement with them nor had I given consent for any of my personal information to be shared with a third party or even sold to a third party. Your office actually filed suit against this company for the same unfair tactics that I am experiencing on the behalf of other consumers. On XX/XX/2023 I filed a formal complaint with your office after noticing that the derogatory misinformation placed on my credit bureaus had not been removed causing me to be declined for credit card increases and an auto loan. At that time I provided court documents proving that I did not owe an outstanding debt to the aforementioned property. It has been over 45 days and the federal law states that they have 30 days from the date of notification to either validate the debt or to remove it. I have documentation from the court clerk as well stating that there was not a lawsuit filed in their Court for relief. The management company is fully aware that the judgment entrance was for no relief and that there were no money to be collected on behalf of XXXX XXXX XXXX managed by XXXX Property Management. This was a malicious attack to damage my credit and it was done by the property manager XXXX XXXX. I'm requesting XXXX relief to be made whole for the month that this derogatory information remained on my credit bureau after proof was submitted on multiple occasions. Deletions are submitted electronically and only take moments to complete. There is no excuse whatsoever for this derogatory misinformation to continue to remain on my credit bureau without sufficient evidence to justify the reporting. I want it removed and I'm seeking damages to be made whole.
Product: Debt collection

I closed my capital one account on XX/XX/XXXX. I was told by them that I had to bring my account to date to use my miles. I paid the {$100.00}. I then paid the amount they gave me that would XXXX out my account as of the end of that day. I paid {$1600.00} and I was told by capital one that my air miles had a cash value of {$280.00}. That brought my account to XXXX. I asked them on a recorded line to not allow any more charges on my account as that account was now closed. Everyone agrees at this point it would have been a XXXX balance. They allowed charges after XX/XX/XXXX. They also reneged on the air miles without ever telling me. I found out in XX/XX/XXXX that the account was never closed. I disputed the charges on XX/XX/XXXX. In XX/XX/XXXX I was told they were going to review the tapes and get back to me. Even though they acknowledge that I told them in XX/XX/XXXXto close the account. The decision did not go favorably for me and I was never notified. What has happened here basically is Capital One has stolen my air miles that they said I could convert back in XX/XX/XXXX. 
I applied for a mortgage the first week of XX/XX/XXXX. I was notified at that time that my credit score was  affected by this Capital One issue. Capital One never contacted me with the result of the dispute. I called them immediately to resolve the issue. I offered to pay the charges and deal with the vendors for a refund- even after I told them not to allow charges and did n't feel I owed them. I felt as though they were extorting from me and using my credit report as leverage. I told them I would not pay for my air miles which was cash that was mine that was not refunded. I told them I would not pay late fees and interest. They were unwilling to work with me in any way.
Product: Debt collection

I am an HSBC Advance Credit Card holder. Recently, my husband has experienced loss of work, so we have been late on our bills. I work for the XXXX so my husband of XXXX yrs and I are doing our best to make ends meet. I have been the owner of a single family home in XXXX, NY for 20 yrs and have never missed a house payment and never paid a late fee until recently ( only once in 20 yrs ). Unfortunately, during this stressful time, my other bills get paid a few weeks late or I set up future payments to different companies. I understand when an account is suspended, and typically return them to good standing as soon as I am able or by the next billing cycle. I am not in default on any loan or credit card. I have never filed a complaint with any agency in regards to any credit card issues before today. In the last several months, I have received on the average of 17-19 calls per week from HSBC. In the last 6 wks, I have paid them on 3 separate occasions which equals appx. {$500.00}. On XX/XX/XXXX, I  paid them XXXX. The following day, I received 4 calls from HSBC. This is harassment.  They call before XXXX and as late as XXXX and even before XXXX on Sunday mornings. I asked a representative to 'cease and decist ' from the constant onslaught of calls to my home. The calls continue. At present my phone has recorded 15 attempted calls from HSBC between XX/XX/XXXX and XX/XX/XXXX.
Product: Student loan

XXXX XXXX refuses to update my PSLF count. The most recent time they updated it was up through XXXX of XXXX ( 16 months ago ). They only did this because I filed a CFPB request in XXXX of XXXX, which you were able to solve the issue for me ( thank you! ). At the time, they updated my PSLF count to 40, which  is correct as of XXXX of XXXX, and provided you with a word document showing each month 's payments. 

They certified my PSLF approved employment in XXXX of XXXX for the year between XX/XX/XXXX through the date submitted ( XX/XX/XXXX ). However, 5 months later, they have still refused to add those months of PSLF payments to my total. The total on the website still says 40, which is more than a year out of date. They certified my current employer 5 months ago, but are refusing to add the months of payments to the total. 

I have emailed them MANY MANY times. Each time, they tell me it can take " up to 90 days ''. We are well past 90 days. They always send me the same Copy/Paste reply, verbatim. 

Please help! 

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

Hello good afternoon, I had an auto loan with XXXX XXXX XXXX in XXXX which has been satisfied in full, unfortunately the account is continuing to show up on my TransUnion, XXXX and XXXX credit reports as charge off. I satisfied the debt of the charge off in full and would like this account removed from all three ( 3 ) of my reports as it is impacting my credit score negatively. 

Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an unauthorized inquiry on my credit file under the name XXXX  dated XX/XX/year>, originating from : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX This inquiry was conducted without my authorization or any permissible purpose as outlined under the Fair Credit Reporting Act ( FCRA ), specifically 1681b. As you are aware, conducting an inquiry without a valid legal purpose constitutes a direct violation of my consumer rights. 

Demand for Resolution To resolve this issue, I demand the following actions : Immediate Removal of the Unauthorized Inquiry : The inquiry must be removed from all credit reporting agencies. 
Statutory Damages : Issue me the {$XXXX} in statutory damages, as provided for under 1681n of the FCRA.

Non-Admittance of Wrongdoing : I am willing to resolve this matter amicably without requiring your client to admit liability or wrongdoing, provided my demands are promptly met. 
Notice of Potential Litigation and Estimated Costs If this matter is not resolved within 14 days, I will be forced to pursue legal action to protect my rights. In addition to statutory and actual damages, I will also seek to recover litigation costs. Below is an itemized estimate of the financial burden XXXX  XXXX XXXX incur if litigation is pursued : Expense Item Estimated Cost Attorney Retainer Fee {$XXXX} - {$XXXX} Court Filing Fees {$XXXX} - {$XXXX} Discovery Costs ( documents, depositions, etc. ) {$XXXX} - {$XXXX} Expert Witness Fees ( if applicable ) {$XXXX} - {$XXXX} Travel Expenses ( for hearings ) {$XXXX} - {$XXXX} Additional Attorney Hours {$XXXX} - {$XXXX} per hour Reputational Damage ( intangible, but significant ) Variable Total Estimated Litigation Costs : {$XXXX} - {$XXXX}, excluding potential damages awarded in court. 

XXXX for XXXX To avoid these unnecessary costs, I encourage you to address this dispute promptly. Confirm in writing within 14 days of receipt of this letter that : The inquiry has been removed. 
The {$XXXX} statutory damages payment will be issued.

Resolving this matter now is in your best financial and reputational interest. If you fail to act, I will have no choice but to seek full legal remedies, including actual damages, which will only increase your liability. 

This letter serves as formal notice under the FCRA. I trust you will recognize the importance of addressing this issue immediately.
Product: Credit card

Again, synchrony bank did what they do best. XXXX XXXX XXXX XXXX XXXX customer 's credit score by closing accounts that are in good standing for no reason. This time they closed my lowes account for no reason, like they did the first time they closed another of my accounts that was in good standing. 
I know that my complain it will be XXXX ignored like the first one I did because I. Our country only the powerful prevail. At least I am doing my part my taking steps for you and everybody to know the pieces of garbage thar synchrony is.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX Date : XX/XX/XXXX Jefferson Capital Systems LLC XXXX XXXX XXXX XXXX XXXX, MN XXXX Subject : Cease and Desist Demand Regarding False Debt Claim Dear Jefferson Capital Systems LLC : I am writing regarding the repeated collection notices I have received from your company concerning an alleged debt. I do not owe this debt, and I am formally requesting that you immediately cease all communication and collection efforts regarding this matter, as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). 

Details of the Issue Amount of Alleged Debt : {$12000.00} Date of Collection Notices : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX This debt does not belong to me. I have no knowledge of this debt, nor have I entered into any agreement or contract with the original creditor. I am disputing the validity of the claim and demand that your company cease all attempts to collect this debt from me immediately. 
FDCPA Violations Pursuant to the FDCPA, you are prohibited from : Attempting to collect a debt that is not valid or does not belong to the consumer.

Misrepresenting the character, amount, or legal status of a debt. 
Contacting a consumer after receiving a written notice to cease communication. 
What I Am Requesting Immediately cease and desist all collection activity related to this alleged debt. 
Provide written confirmation that you will not contact me again regarding this matter. 
If you believe this debt is valid, provide written documentation verifying the original creditor, the amount owed, and evidence that I am responsible for this debt. 
Failure to comply with this demand will leave me no choice but to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. I also reserve the right to take legal action to protect myself from further harassment and damages caused by your attempts to collect a debt I do not owe.

Legal Notice This letter is not an acknowledgment of the validity of the alleged debt, nor is it an agreement to pay. Any further communication from your company must be in writing. You are expressly prohibited from contacting me via phone, email, or any other means other than written correspondence. 

Please confirm receipt of this letter and provide a written response no later than 30 days from the date of this letter. 

Sincerely, XXXX XXXX
Product: Debt collection

" I have no knowledge of where this debt they are charging me is coming from. Please verify and remove it from my credit report.
Product: Debt collection

I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects.
Product: Mortgage

REF : SPS SELECT PORTFOLIO SERVICING MY SIGNIFICANT OTHER PASSED XX/XX/XXXX. THE MORTGAGE WAS TRANSFERRED TO THE ESTATE UPON PASSING. HOME WAS TITLED AND DEEDED TO MYSELF WITHIN THE PAST TWO YEARS. THE FINANCE COMPANY APPROVED ME AND THEN DENIED IN XXXX XXXX. 

I HAVE BEEN TRYING TO HAVE AN AFFORDABLE PAYMENT WITH SPS AND THEY HAVE NOT AT ALL BEEN HELPFUL. WE HAVE FILED MODIFICATIONS, HARDSHIP LETTERS AND SHORT SALE. 

TO DATE SPS FORWARDED THAT THE HOME TAXES AND INSURANCE ARE MY RESPONSIBILITY. THE MORTGAGE IS STILL IN THE DECEASED NAME BUT TITLED IN MY NAME. THE MORTGAGE COMPANY HAS NOT ASSISTED OR HELPED AND WE KEEP GETTING A RUN AROUND AND DIFFERENT ANSWERS EVERYTIME WE CALL FROM DIFFERENT PERSONNEL. 

I AM AT A LOSS AS TO WHAT TO DO IN ORDER TO NOT LOOSE THE HOME I HAVE BEEN RESIDING AT SINCE XX/XX/XXXX. 

I APPRECIATE ANY ASSISTANCE AS THIS COMPANY HAS NOT WORKED WITH ME AT ALL. AS STATED THE PROPERTY AND DEED ARE UNDER MY NAME AND THE MORTGAGE IS UNDER THE ESTATE. I AM NOT TRYING TO CHEAT THE MORTGAGE COMPANY AND WILLING TO PAY WITH A REASONABLE AMOUNT. ANY HELP AND ASSISTANCE WOULD BE APPRECIATED AS THIS COMPANY IS THE WORSE TO DEAL WITH. 

YOU CAN CONTACT ME AT XXXX REGARDS, XXXX XXXX XXXX
Product: Credit card

XX/XX/XXXX, I noticed charges on my Citgo credit card, managed by Syncrony Bank, were pending in amounts higher than actual charges. We questioned the gas station manager and were advised that Citgo was now imposing a {$30.00} hold charge on every transaction for 24 -48 hours until the actual charges were processed. I called Syncrony bank and advised that the " pending '' charges were being imposed by Citgo. I call Citgo and advised the charges were a result of a new business takeover and began in XXXX. I advised that this was unfair since my account was reflecting the " pending '' {$30.00} charges for 48 - 72 hours in addition to the actual gas purchases made thus tying up credit and effecting my overall credit availability on the card and as a whole. Attached is my recent on-line billing activity reflecting {$30.00} pending dated XXXX and XXXX. Both purchases were made but only for {$12.00} and {$17.00} ( also attached ), respectively. In addition, the on-line bill reflects both the XXXX actual and pending charges for a total of {$42.00}. Up to XXXX, only the actual gas/merchandise charges were " pending '' until they were applied to the account reflecting a true and accurate balance due and credit available on the account. Now, substantial credit is tied up by these bogus " pending '' charges and to add insult to injury the " pending '' charges are reflected on the account for the same purchases for 24-48 hours after the actual charges have hit.