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

RS Clark and Associates has illegally violated my federal rights as a consumer against both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Reporting Act ( FDCPA ). RS Clark and Associates actions have caused injuries, damages, mental anguish, and negative impacts to both my character and reputation in which remedy is owed to me due to your negligence. RS Clark and Associates, who indeed is a credit reporting agency, has unfairly, partially, and disrespectfully violated my rights to privacy as a consumer.
Product: Credit card or prepaid card

On XX/XX/XXXX  I called XXXX  Mastercard in regards to my {$63.00} in cash back rewards. I stated I wanted to keep it opened in order to use my rewards. On the next day I made a purchase for {$14.00} and on the XX/XX/XXXX my account was closed, forfeiting my cash back rewards.
Product: Credit reporting or other personal consumer reports

I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and XXXX  XXXX they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ). 

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.
Product: Student loan

I was a guarantor on a loan for my Kids, and I am know being Audit by the IRSI spend an entire week trying to get information for the loan in question by IRSCancellation of Debt : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX / Date XXXX/XXXX/12 / Amount Reported to IRS : $ XXXX have called every one under the sun to try to get this information, and I have not been able too get anywhere. I have a date line to get this information to IRS by XXXX XXXX according to the XXXX XXXX, the loan is with : NavientXXXXXXXX XXXX XXXX, PA XXXX Help
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact this agency regarding items on my credit that are not mine. The first time I noticed something weird is when I applied for a XXXX account and was not approved. I then went to my bank who I have bank with for the past 6 years which I also have car loans with and they did not approve me for a personal loan. Please take these items off my credit. I have contacted my local police and the FTC. XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX. I am doing this on my own behalf.
Product: Debt collection

Company : Jefferson Capital Systems This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents, so I may review to see if this is actually an account that belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

An individual fraudulently opened a XXXX XXXX XXXX credit card under my identity using a different address. The balance on the fraudulent account has now reached {$33000.00} with a charge off status, causing my credit score to drop by over 200 points and completely ruining my previously impeccable credit history. Despite my efforts to have this fraudulent account removed from my credit report, my requests for justice have been ignored by XXXX and Transunion. I sent certified mails to the credit bureaus, but did not receive any response. There's no evidence of investigation. This fraudulent account still stays on my credit report as I am submitting this report. 

I activated a fraud alert on my credit files, filed an identity theft report on the Federal Trade Commission website, and also filed a police report with the local police department. This is my first time dealing with identity theft and I never thought that removing fraudulent accounts would be such a difficult process for the victim. It's important that we address this serious issue, as many people 's lives are being destroyed by a system that doesn't seem to be working in their favor.
Product: Debt collection

I am requesting validation made pursuant to the fair debt collection practices act, Competence evidence bearing my signature, showing that i have contractual obligation to you.
Product: Money transfer, virtual currency, or money service

Currently, I have something on my credit that has curtailed me from opening up a checking account. 

Chexsystems is reporting that I owe {$2900.00} for a write off that hd insufficient funds. 
This is false reporting and I need for it to be investigated. 

The amount is allegedly tied to XXXX and XXXX Bank. I am unaware of this and I have to have this matter removed. 

Thank You
Product: Credit card

I have told Wells Fargo Bank my credit card was lost, and someone used my card in XXXX XX/XX/year> and happened some Fraud charge amount {$1200.00} USD, but Wells Fargo Bank don't want to help me to complete the fraud claim. 
Please request Wells Fargo to fix the problem. 
Thank You.
Product: Credit reporting

My current balance is currently : {$540.00} The account is showing that my balance is currently : {$1400.00}, which is highly incorrect. I am requesting this account be investigated or the account be validated | verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX   XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Debt collection

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX company name : XXXX XXXXs has violated my rights. 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
Product: Credit reporting or other personal consumer reports

My credit report lists unauthorized hard inquiries, which I never consented to under 15 USC 16c-2. I ask that they be removed as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was introduced to XXXX XXXX by a realtor by the name of XXXX XXXX. She stated she could assist me with my credit. XXXX who is a loan officer advised she charges {$2500.00} and that is what I paid. Well nothing happened. I waited months for results and didnt receive them. I requested a refund which was agreed upon and nothing. I have text messages and emails requesting my money back and nothing. On XX/XX/2022 I received a text that my refund will be mailed and I provided the address. Nothing has been received. I would like my {$2500.00} back.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to Federal Law, the below accounts have violated my rights and I am preparing to take legal action : XXXX {$1500.00} XXXX XXXX  {$300.00} Dept of Ed/XXXX {$80000.00} XXXX XXXX {$500.00} 15 U.S.C. 1681 Section 602 A states that I have a right to privacy. 15 U.S.C. 1681 Section 604 section 2 states that a consumer reporting agency can not furnish a report without my written instructions. I am preparing to take this to a small court and recover damages. Also, XXXX and XXXX have removed these accounts. I have attached supporting documents. The Fair Credit Reporting Act states that all reports must show the same accurate information across any profile.
Product: Credit card or prepaid card

XXXX XXXX XXXX canceled my XXXX XXXX cruise and gave me a credit for {$390.00}. On XX/XX/XXXX, Barclay sent me check # XXXX. I misplaced the check so I asked Barclay to send a replacement check for {$390.00} on XX/XX/XXXX. On XX/XX/XXXX the they stopped payment on that check but I did not find out until XX/XX/XXXX. Then on XX/XX/XXXX they sent me a check for {$70.00}, check # XXXX. I have no idea where that amount came from since I was expecting the check to be {$390.00}. I deposited that check thinking it must have been an overpayment for something else. I got a notice from my bank XXXX XXXX XXXX that the check for {$70.00} XXXX XXXX ) was returned due to a stop payment on XX/XX/XXXX. My bank charged me {$10.00}. On XX/XX/XXXX I again sent a message to Barclay telling them that the check I received was not the amount I was expecting. I then called Barclay customer service and the person I talked to apologized and gave me 100 points for that bank fee of {$10.00}. She also said they were going to replace the check I lost and confirmed it was going to be {$390.00}. This occurred around the end of XX/XX/XXXX. On XX/XX/XXXX there is a credit for & XXXX and then on XX/XX/XXXX they sent me another check for the same amount of {$70.00}, check # XXXX. I still have this check and did not deposit. I once again called them about the {$70.00} and again said the check was suppose to be for {$390.00}. I was again told that I would receive my {$390.00} check on XX/XX/XXXX. I received a check for {$130.00} - no idea what this bank is doing to me! On XX/XX/XXXX I found the missing check for {$390.00} and not realizing that a stop pay had been put on it I deposited it and again it was returned by my bank, charging me another {$10.00}. I feel I am getting nowhere with my requests since this has been going on for 5 months. I have made numerous calls to their Customer Care department asking to speak to managers about this issue. Even the managers told me I was going to get a check for {$390.00}! Barclay can check my call records showing the above. 
So on my statements are these amounts XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ( {$70.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX ) XX/XX/XXXX XXXX idea what this is for!
Product: Payday loan, title loan, or personal loan

on XX/XX/2021 and email was received stating my payment will be taken out on XX/XX/2021. However, I had never heard of this company, I tried to contact the company via phone numbers on the website and email and the calls could not go through. I reached out via XXXX and XXXX. As I never heard of this company or applied for a loan through any of the sub-companies they have listed. I have asked for my information to be removed or how to go about it. They will not answer and when they do they do not offer help. I did not give permission to a company i have no clue who they are to offer me loans or to even have my personal information. I want it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  CARD XXXX XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Checking or savings account

I opened a rewards checking account using the promo code XXXX in XXXX. I fulfilled the terms of the promo in XXXX. 

I have not received the {$300.00}. I messaged the company 1 week ago and according to their website a case hasn't even been opened - more than 5 business days later.
Product: Credit card or prepaid card

I lost my job in XX/XX/2022, I contacted PNC to assist and they told me they couldnt I did fall behind on late payments. I now have a full time job and back to making my credit card payments. Im in good standing with my PNC and caught up on my late payments. I am asking that these late payments are removed from my credit report.
Product: Mortgage

I have my mortgage with PNC - in XXXX of 2020 we started the process to refinance and found many options. Even with better offers we decided to stay with PNC because the process should go quicker since they have our information and we are customers. We settled with PNC in XXXX and were to close by XX/XX/XXXX. 
XXXX XXXX and his team were unable to accomplish that closing date. We cooperated and provided any and all paperwork requested, our emails were not responded to in a timely manner. They claimed if they push closing date to XX/XX/XXXX it would definitely happen - here we are XX/XX/XXXX and we arent even getting requested call back or information on why this is taking over 6 months. 
My wife and I separately talked to 4 sets of friends telling them to refinance, they used other companies that didnt hold their mortgage prior. One friend closed in 2 WEEKS, One in 3 WEEKS the others within 2 months. 
I am looking for advice on if we should stay with PNC on this {$600000.00} deal or move to a company that can handle this in a timely fashion?
Product: Credit reporting or other personal consumer reports

I called the experian to remove an address that was being incorrectly reported. I informed them that I have never lived there, it is a non mailable address and that they were violating my right to privacy pursuant to 15 USC 1681b. They informed me that they would not be removing the address at all. I informed them again that they were violating my consumer rights in totality by reporting my information without my consent. They basically assured me that they did not care and will keep reporting the inaccurate information.
Product: Credit reporting or other personal consumer reports

I feel I was negatively impacted by XXXX/EQUIFAX, hurting my chances at credit after receiving a response to my earlier dispute that the accounts were " verified ''. 
But I don't see any details about your investigation.
Product: Debt collection

XXXX XXXX I learned that I had a medical collections debt for my minor child from XXXX XXXX XXXX that was sent to a collection agency XXXX. In XXXX XXXX, I settled the debt with XXXX which i I have a receipt. In XXXX XXXX, another company by the name of XXXX XXXX showed up on my report attempting to collect this same debt. I disputed this collection and I received a letter from XXXX XXXX dated XXXX XXXX, XXXX stating that the account was closed and returned to the original creditor. It was also removed from my report. XXXX XXXX, XXXX the debt appears again under Commonwealth Financial Systems. I am in the process of buying of a home and this negative account continually reappearing on my credit report is affecting my score and causing me XXXX. Not to mention that XXXX, the agency who I settled with, was the only one who contacted me. The others have not, they just showed up on my report. I am very aware of the HIPPA Law and I am almost certain that what this company is doing violates the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX and XXXX of 2015, I accidentally missed two credit card payments with Bank of America. I thought my account was set to " auto-pay '' but apparently it was n't. Once I noticed the error, I immediately paid what was due. Unfortunately, the " missed payment '' notes have lingered on my credit report for more than two years. 

My husband and I are about to buy our first home and we 'd like to have my credit report looking as good as possible. In my 10+ years of credit history, these remain my only negative comments. 

I 've requested that these notes be removed on two separate occasions but Bank of America has not taken any action. I 'd like to request your help in having them removed. 

Thanks so much, XXXX
Product: Checking or savings account

Paypal Holding company has taken XXXX from my checking account without a court order or my permission. The paypal purchase protection totally Breached there own contract with me in Purchases I made on XXXX and paid with My Bank Debit card I ordered 95 orders from XXXX thru XXXX when 23 of the orders never showed up I contacted Paypal to get there help, a email from Paypal usually gets the seller to refund or ship the item. 
The response I got from paypal is just plain wrong. 
They told me that I would have to seek help outside of Paypal when I used Paypal to pay for these orders. 
The next thing they did was real sneaky they locked me out of my account and that made looking at the payment history impossible. They refused to allow me access to my account history and These orders were charged on a Paypal Credit account. Then I needed to get a refund from XXXX XXXX XXXX and I posted my new debit card on paypal they let me do that and were real rude about it and made it very hard to get my XXXX back from paypal but I got it. I then had a XXXX XXXX XXXXXXXX XXXX and was very ill for 2 years during this time paypal took my debit card and started taking money from my bank in the amount of XXXX each month and I was unaware they were doing this and I just found out from the synchrony bank who had bought paypal credit but the billing was still thru the Paypal my account which they after the refund locked me out again. They took over 12 payments of XXXX over XXXX and they were way out of line and breaking the law. In MN the statue of limitations for a crime like this is 7 years and it has not yet been 5 years. During that 12 months I overdrafted every month and some time as many as 6 over drafts in a month. I was not well but could not understand why this was happening. The XXXX XXXX  got ahold of me and because of the high number of over drafts all of the sudden asked me to get a checking account from another bank. I did. They stole money from my account and made paypal credit payments and I was not on auto pay and they had no court order or my permission. Talk about fraud fist they dont at all help me with the orders and then steal money from my account. I want this money returned to me without delay I just found out about this.
Product: Credit reporting or other personal consumer reports

Ref # XXXX Clarity Report for XXXX, XXXX XXXX THIS COMPANY REPORTING INFORMATION ON ME WITHOUT MY PERMISSION ALSO VERIFYING INFORMATION WITHOUT MY PERMISSION I ASK THEM TO REMOVE ANY INFORMATION THEY HAVE ON BE REMOVE I DO NOT GIVE CONSENT TO THIS COMPANY TO REPORT ANYTHING ON MY BEHALF THIS COMAPANY STOLE MY INFORMATION WITHOUT MY KNOWLEDGE ALSO XXXX RELASED INFORMATION ON ME. NAMES ADDRESSES NUMBERS ID NUMBER DOB AND LOAN NUMBERS AND ANY INFORMATION LINKING ACCOUNTS REPROTING WITHOUT MY CONSENT UNDER 15 USC 1681A REPORTING INFORMATION IS CONSIDER VOILATION ON PRIVACY TO RIGHT 15 USC 1892
Product: Credit reporting or other personal consumer reports

Dear XXXX, I am writing to formally dispute the inaccuracies in my credit report and to bring to your attention a serious issue regarding fraudulent charge-offs on my accounts. Pursuant to Consumer Law Code 15 USC 1681n, which addresses damages for willful noncompliance, I am seeking your assistance in rectifying these inaccuracies and ensuring that my credit report reflects accurate information. 
Upon reviewing my credit report as of XX/XX/XXXX, I have discovered several fraudulent charge-offs listed on my accounts. Notably, these inaccuracies involve the following accounts : XXXX. XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX  These accounts were closed in XX/XX/XXXX and XX/XX/XXXX respectively. Despite the closure, my credit report erroneously reflects charge-offs on these accounts that are both inaccurate and fraudulent. Also, on these accounts its still being reported that I have a credit limit even though the account is closed. This erroneous reporting is causing undue harm to my credit profile and potentially affecting my financial well-being. 
I have already reached out to the credit reporting agencies to dispute these inaccuracies, but they have yet to take corrective action. Therefore, I am now seeking your intervention to ensure that the following actions are taken : XXXX. Removal of all fraudulent charge-offs associated with the XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX from my credit report. 
XXXX. Verification and correction of the reported information to reflect the true status of my accounts. 
The inaccuracies in my credit report are not only misleading but also violate the Fair Credit Reporting Act, which mandates that credit reports be accurate and up to date. I respectfully request that you investigate this matter promptly and take the necessary steps to enforce compliance by the credit reporting agencies. 
Please confirm receipt of this letter and provide me with a written response regarding the actions taken to resolve this issue. I appreciate your prompt attention to this matter and look forward to your assistance in correcting these inaccuracies. 
Thank you for your time and consideration.
Product: Debt collection

I was contacted from an block number. The voicemail used law eforcement language and threatened criminal charges for not calling back. It also provided a citation type " case number '' XXXX. 

I called and they answered XXXX XXXX XXXX. They stated they were a law firm in XXXX XXXX, California. He told me I owed money for a car I never owned and that XXXX was suing me if I didn't agree to settle. I told him I didn't remember the car and he said the last recorded payment was in 2009 and the car was repoed the same year. 

He kept trying to get me to agree that I owed the money and kept threatening me with wage garnishment, etc. 

When I told him I was done with the call, he told me to expect a lawsuit. As I understand it, Florida has a 5 year statute of limitations and debt collectors are not allowed to pose as law enforcement or make threats of actions they have no legal basis to make. 

I looked online and found countless people sharing similar stories about this exact company or scammer. Someone should look into this.