23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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 MIDLAND CREDIT MANAGEMENT XXXX 15 USC 1681 section 602 ( a ) ( 4 ) - I have rights to privacy. 15 USC 1681 Section 604 ( a ) ( 2 ) - states that a consumer reporting agency can not furnish a credit report without written consent from the consumer. 15 USC 1681c ( a ) ( 5 ) - states that no consumer reporting agency may make any consumer report containing the following items of information ... Any other adverse information, other than records of conviction of crimes which antedates the report by more than 7 years. 15 USC 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: Debt collection

XX/XX/XXXX To Whom It May Concern : In XX/XX/XXXX, I obtain an XXXX mortgage loan with XXXX, secured by XXXX. My loan was then sold to XXXX XXXX XXXX. I lost my job in XX/XX/XXXX due to the economic recession and was forced to do cash for keys in XX/XX/XXXX, returning my home back to XXXX. XXXX XXXX XXXX has sold my loan to a collection agency, Real Time Resolutions to collect on the home equity portion of my loan, which was also secured by XXXX. They continue to call me weekly asking for payment.
Product: Prepaid card

Received a {$500.00} American Express gift card as a gift. Everywhere Ive tried to use it, its declined. However, everyone I try to use it, {$.00} is deducted from the balance.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXXXXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX  XXXX XXXX Balance : {$30.00} XXXX XXXX  XXXX XXXX : {$76.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account Number - XXXX XXXXTo Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe.

Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt.

Cease any credit bureau reporting until debt has been validated by me as required under the FCRA.

Send me proof that you are licensed to collect debt in the my state.

accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA.

I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Product: Checking or savings account

I filed a claim recently because while on vacation I dropped my debit card along with other information out of my clutch. One of the cards did have the pin number on it. The representative XXXX that I spoke with told me she made the decision on my claim prior to even speaking with me and when she called she asked me about a police report. I hadnt been fraud before, so I contacted law enforcement within my home area after speaking with her and they advised that I would need to speak to New York State. NY advised that I would need to come back there ; however, I dont live there. So because I didnt file a report I was held accountable for the charges. I pay all of my bills out of my SunTrust account. Honestly you are my primary bank. I pay everything with your bank. I dont know why I am being treated this way. I have had a great relationship with the bank for over 10 years and someone steals my card and use it and it becomes my fault. How will I feed my child or take care of my bills. I am a single parent and I live from paycheck to paycheck and someone stole almost half of my check. Someone took {$400.00} out of my account while I was on vacation.
Product: Credit card or prepaid card

In XX/XX/XXXX, I hired a contractor to do some work on a property that I owned. This contractor gave me a quote for almost {$12000.00} to do a variety of things. We paid him half, or {$6000.00}. The contractor, over the proceeding months, did no work, stalled a dozen times, had us pay additionally for materials under the guise of starting the work, and we finally fired him in XX/XX/XXXX. We hired another contractor for what money we had left for the project in XX/XX/XXXX to complete the most urgent repairs. We then disputed the {$6000.00} for services NOT rendered with PNC, and at this point, the most urgent repairs are already completed, which PNC does not seem to understand. 

Over the last few months, we have given PNC everything that they have asked for to get the {$6000.00} back, only to be told a different thing by a different person every time that I call. Earlier in this debacle, we were given an incorrect case # and documents were faxed to the wrong number, and the case was closed. The last time that I spoke to the woman who was in charge of our dispute, she said I needed a statement by the contractor stating what he did, and the condition of the house when he did the work. I provided this, only to get a denial letter two weeks later. I had called to inquire about the dispute, only to be told that they needed some completely different document to be signed by the contractor, which was not told to me before. I have called there more time than I can count. I have been told so many different things I don't know how else to resolve this. I sent them emails where the contractor admitted to not doing any work, text messages, receipts, statements, estimates, - every piece of well-documented proof that shows this man took our money and did NOTHING. 

PNC refuses to give accurate information so we can provide the myriad of documents that they are requesting. I think the heart of the issue lies in that they believe we are disputing work that we paid for that had to be redone ; the issue is we paid for work, and NOTHING was done. PNC needs to give us accurate information and resolve this dispute. We do not owe the {$6000.00} that we paid, as the contractor broke his contract and did nothing. We have given PNC all the documentation to support this, including the contractor, XXXX XXXX, admitting that he did nothing, admitted that he owed us, and was asking if we are going to sue him. 
This needs to be resolved now. 

Dispute # XXXX
Product: Money transfer, virtual currency, or money service

I use the XXXX app to get an advance on my paycheck and the bank wont let me connect the app to my checking account
Product: Debt collection

VIOLATED " FAIR CREDIT BILLING ACT '' AND FDCPA '' ... XXXX DIFFERENT COMPANIES DEMAND SAME PAYMENT OF FRAUD ACCOUNT XXXX XXXX AND NOT MY ACCOUNT. FORMAL FRAUD AFFIDAVIT FILED WITH " FTC '' CASE # XXXX AND WITH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint against XXXX  Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous XXXX  and financial XXXX preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Product: Credit reporting or other personal consumer reports

I am a victim of Identity theft. I have been a victim since XXXX XXXX. The person has been using my name. I am calling them letting them know that I didn't apply for the credit card account multiple times and nothing was done. I've tried disputing it with all three credit bureau 's. Without letting me know any updates they did nothing. In addition to that XXXX  XXXX XXXX is sending mail to addresses I have never been associated with in my life regarding the fraud investigation. An address that was used to fraudulently open accounts and credit cards in my name. I spoke to XXXX ID # XXXX. I also spoke to XXXX ID # XXXX they were no help to me at all. They not only disclosed my information to strangers, but they also spoke to credit bureau 's and other third parties about my information whom i did not authorized to disclose to XXXX  XXXX. Can you please help me out I am in debt due to a third party using my name, and XXXX XXXX XXXX failing to properly verify things.
Product: Checking or savings account

XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : I am writing to request and investigation of the following accounts I have NEVERED opened or use the accounts listed below Im requesting the following information to be deleted from my early warning consumer report immediately I attached a copy of my report to this request The accounts consist of an Bank account opened at XXXX  XXXX XXXX on XX/XX/XXXX Bank Routing # : XXXX Account # : XXXX an Bank account opened at XXXX  XXXX XXXX on XX/XX/XXXX Bank Routing # : XXXX Account # : XXXX an Bank account opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Bank Routing # : XXXX Account # : XXXX an Bank account opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Bank Routing # : XXXX Account # : XXXX an Bank account opened at XXXX XXXX XXXX XX/XX/XXXX Bank Routing # : XXXX Account # : XXXX.
Product: Credit card

This account was paid off. 
Destiny is continuing to charge me {$40.00} a month on a non sufficient fund fee that i processed and it was not my payment date the transaction was done on XX/XX/XXXX, my payment date was the XXXX i asked the agent if i made an early payment will the auto pay still make the payment on the due date she said no so on a non payment day i attempted to make a payment my bank did not accept it. I have paid them in full in XXXX.
Product: Debt collection

Capital One continues to attempt to collect on XXXX charge off accounts. These accounts are Acct # XXXX and Acct # XXXX. Per the FCRA, this debtor is required to send me a copy of the 1099-C for the charge off account so that I may report this to the IRS. Although I have disputed the validity of this account is should not be reported.

I will be filing litigation for damages and deformation if this account is not deleted from credit file and I dont receive a 1099-c
Product: Mortgage

On XX/XX/2023, I contacted the mortgage company to arrange payment arrangements for my mortgage payment that was due on XX/XX/2023. I was told by the lender, Lima One, that I could not make the payment because the loan was sent to a lawyer on XX/XX/2023 ( 3 days before my request ). I was told by Lima One that I had to contact the lawyer for a reinstatement quote. My mortgage payment was due for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX in the amount of {$660.00} per month. I immediately contacted the lawyer hired by Lima One to request a reinstatement quote for which they told me would take up to 7 days to send to me because they had to get the amounts from the lender. The lawyer provided me a reinstatement quote on XX/XX/2023 of {$10000.00} to save my property. 

I sent emails questioning how they arrived at an amount of over 5 times the amount I was expecting to pay. The lawyer just gave a broad explanation of fees but no explanation on how they arrived at the numbers. Lima One refused to talk to me to explain anything. 

I requested another reinstatement quote on XX/XX/2023 as I was preparing to just pay the money because I did not want to lose the property. I requested the quote on that day because as I was previously told, it takes time to get the quote from the lender and the quote is only good for one week. The lawyer sent another reinstatement quote on the very next day, XX/XX/2023 and the quote for {$12000.00}, was only good for one week but my funds was not getting deposited until XX/XX/2023. Again, I questioned the fees and how they were being calculated. The lawyer did not explain how the interest or the fees are being calculated. 

On XX/XX/2023, I requested another quote so I could pay since the funds were secured in my account. I called the lawyer every other day trying to get a quote so I could pay and to avoid any further action. The lawyer informed me that they were still preparing the quote but in the process, they filed court documents to sell the house. The lawyer did not send the quote until XX/XX/2023 in the amount of {$17000.00}. 

When I spoke with a lawyer, they said the fees seemed very excessive. I am so confused, if the goal is to help save the house, it seems as if the lender and the lawyer is doing everything to make it impossible for me to pay. The amount of the delinquency just for the mortgage payment is only {$4700.00}. Can you please help??
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XXXX and XXXX I was getting a lot of pre approvals from Credit Karm. At first I didn't pay attention to them but Credit Karma kept sending me different pre approvals telling me I was pre approved for credit cards, for car and home loans as well as personal loans, everyday. Everyday, I would see these offers every time I logged into my account to check my credit score I would see these pre approvals. After being told I was pre approved day after day I put myself in the perfect position to apply multiple times. I was receiving so many offers through Credit Karma I started to tell my friends and family that we were going on our first vacation and I found great investment opportunities that we would be using the pre approvals to invest in. I finally applied on or around XXXX and XXXX and got denied Every single time. I applied for XXXX personal loans at {$15000.00} each, I applied for XXXX credit cards at {$5000.00} each, and a home loan at {$20000.00}. Even though I was pre approved for everytime I still got denied. I was distraught, I was stressed, I was very angry and I felt deceived. I was a marketed to for months and the following year. Credit Karma told me I was pre approved every time and this was a lie! I was severely stressed out. I suffered from XXXX XXXX with XXXX that left me XXXX XXXX XXXX XXXX that lasted for weeks along with becoming withdrawn from daily activities with friends and family outings. I became very angry and that affected my daily activities, my daily job, and time with my family. Now every time I see a pre approval I immediately close my phone and shut off my desktop. This experience has made me uneasy, uncomfortable, and untrustworthy of any pre approvals that I have not checked my consumer report as frequently as I should.
Product: Credit reporting, credit repair services, or other personal consumer reports

After numerous attempts to get verification of these fraudulent accounts from Experian, I have received no verification. These are the fraudulent accounts as follows : XXXX XXXX acct # XXXX. XXXX XXXX acct # XXXX. XXXX XXXX XXXX XXXX acct # XXXX. As of date I still havent had these fraudulent accounts reviewed and verified by Experian.
Product: Credit reporting or other personal consumer reports

Every month XXXX XXXX refuses to legally update these credit cards and I am tired of reporting this monthly. I paid off the card and have attached the XXXX owed. 
I will be closing XXXX XXXX XXXX XXXX due to them allowing XXXX to handle their business. 

Is this a deliberate attempt to have consumers have non accurate information so they can apply for lower interest rates in the bad times we currently live in with these rates??
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX please investigate this matter and remove from credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Fed loan serving reporting incorrectly period the representative told me it would be removed and isn't. I will sue this company for not reporting correctly. Remove payments to never late or ill sue!!!
Product: Debt collection

I am writing because you have already had this item deleted and they turn around and sold it to a new company same bill you had this deleted in XXXX XXXX my complaint number was XXXX company was XXXX XXXX  XXXX for XXXX XXXX XXXX XXXX XXXX account number XXXX amount XXXX they turn it over to a diffrent company diffrent account number the company name is capio partners for XXXX XXXX XXXX XXXX XXXX with wrong address for me change my name from XXXX XXXX XXXX to my real name they are checking credit report are the lettler from your company and saw the right spelling of my name the amount was the same XXXX account number was diffrent the change account number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving a copy of my credit report I realized I have a fraudulent hard inquiry. Please remove this fraudulent hard inquiry from my credit report. XXXX  XX/XX/2019
Product: Credit reporting or other personal consumer reports

Experian is closing complaints without resolving the issue, you stole 17months now of on imw never late payments
Product: Debt collection

On XX/XX/2020 I sent a certified letter to Portfolio Recovery Association Account No. XXXX as well as the credit bureaus to validate the collection debt reflected on my reports. I asked them to provide the following items below for validation : An explanation of what this alleged account balance is for. 
A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 
Documentation showing, I agreed to pay this debt The Agreement that grants authority to collect on this alleged debt. 
A copy of your state license, including license number. 

They have violated my consumer rights and failed to validate this debt at my request ; which is an FDCPA violation and they continued to report a disputed debt which is an FCRA violation. The FCRA requires the company and bureaus to verify the validity of this debt within 30days. If the validity can not be confirmed, they are obligated by law to remove it from my credit file.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX XXXX XXXX Account NumberXXXX  Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX Account NumberXXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account NumberXXXX Delete this account. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account NumberXXXX Delete this account. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX Account Number:XXXX  Please remove it from my credit report. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX Account Number:XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account NumberXXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX  Account Number : XXXX Delete this account.
Product: Checking or savings account

Had fraudulent charges on account and I filed claim waiting for the money to be reimbursed to my account claim # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Karma app has conducted 5 " soft credit inquiries '' during the month of XX/XX/2022 alone, and I'd like to get information on who authorized them to do this and why/what they are doing this for. I do not have services with them other than just to see my credit score yet they're taking the liberty of soft credit inquiries, despite my credit being frozen and I've not provided them any authorizations to do so. Additional note says " Consumer Report '' in those soft inquiries also, but doesn't relate to why or what they're doing.