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

On XXXX XXXX a company XXXX  made a hard pull on my credit. Their information was provided as such : XXXX XXXX Location XXXX XXXX XXXX XXXX OH XXXX Apparently someone was trying to rent housing in Florida Using my information. I have never contacted this company in regards to obtaining financing. When I attempted to contact them, I was not able to speak with a rep. 

Two other previous dates, there were hard inquires for Renting. Iv owned my own home since XXXX XXXX 

One was a resident verifiy XX/XX/XXXX, the other was XX/XX/XXXX by the same company.
Product: Payday loan

Castlepayday.com is doing business in Georgia where it is illegal to provide payday loans. The interest was higher than expected. I thought it was a regular installment loan, but it is surely predatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX Case Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX XXXX. Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX  Case Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I recently had my personal information updated, but the inquiries were NOT removed. I also requested the document/documents that states I ( gave said agency ( Transunion ) permission to report any inquiries on my consumer report ( 15 usc 1681b permissible purpose ) states that WRITTEN CONSENT must be shown. This document HAS NOT been produced which I have noted and NOTARIZED documents requesting the WRITTEN CONSENT document. also ( 15 usc 1681n ) states that any person who obtains a consumer report from a C.R.A under false pretenses or knowingly without permissible purpose shall be liable to the consumer for actual damages sustained by the C.R.A or XXXX XXXX whichever is greater. Also Ive stated several times that these inquiries should be removed due to ( 15 usc 1681 i ) ( 5 ) treatment of inaccurate or unverifiable information. ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Due to the said ABOVE laws I demand these inquiries be REMOVED
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XXXX XXXX XX/XX/2022 XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted EQUIFAX regarding an account reported by them as late payment to correct it. Equifax never communicate back to me regarding the account. I contacted XXXX College been on record per Equifax, they report the late payment. XXXX College advised that they are not responsible for reporting to the credit bureaus, all payments and reports are handle by XXXX on behalf of all the school. The said account is a student loan reported under my social security number reported by XXXX College according to the information on file with Equifax. XXXX College is the college I graduated from. While in college I took a federal student loan and upon graduation the loan is and has been managed by XXXX on behalf of XXXX  University of XXXX XXXX   under account number XXXX, which is also on file with EQUIFAX and the status is current. There should not be two different reporting for one single account. The loan amount is {$3600.00} under the account number XXXX, and I made a payment of {$40.00} on XX/XX/19. I contacted XXXX they advised that my account is current and no negative reporting has been made. They clearly stated that XXXX college does not report or handle this account, and there should be only one single account reported to the bureaus not two different reporting and that report should come them not the college.
Product: Debt collection

I have filed a dispute and it has been 30 days and I have not received any news back I have a medical collection on my account from a car accident which creditors know can not be on my credit report it violates me right and hippa.
Product: Credit reporting

Experian is violating my rights with keeping account that are past the statute of limitations and unverifiable on my credit file which are and all the account states this item was updated in your XX/XX/XXXX dispute I have disputed in XX/XX/XXXX no investigation was ever completedXXXX # XXXX XXXX # XXXX of XXXX # XXXX of XXXX # XXXX # XXXX # XXXX
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : 1039 and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Comapny has issued me a debt collection of {$750.00} as they said they reimbursed this amount to me previously. I have never received any reimbursement from them. I have reached out for the reimbursement record from their bank or credit card provider. They are unable to provide this. Instead, they only provide an invocie gennerated from their company.

They can show no financial record that I was reimbursed via credit card or check.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the inaccurate and fraudulent reporting of the attached-referenced account, which has been incorrectly placed on my XXXX credit report by Jefferson Capital Systems LLC . The original account with XXXX XXXX XXXX was already successfully disputed and removed from my credit profile due to fraud and identity theft. However, XXXX is now reporting this account under Jefferson Capital Systems LLC, which is still linked to the fraudulent XXXX XXXX account. 

This account does not belong to me, and I have previously sent multiple police reports, FTC identity theft affidavits, and CFPB complaints proving that I was a victim of identity theft and that my personal information was compromised in multiple data breaches from XXXX to XXXX. 

Under FCRA 605B, I have the right to request an immediate block of fraudulent information from my credit file. Since I have provided police reports and FTC identity theft documentation, XXXX must remove this account without requiring further verification from Jefferson Capital Systems LLC. 
The continued reporting of this account violates my rights under federal law. 
Failure to Conduct a Reasonable Investigation ( FCRA 611 & FTC Guidelines ) I have previously disputed this fraudulent debt and provided substantial proof of identity theft, yet XXXX has failed to properly investigate and has instead reinserted this account under a different name ( Jefferson Capital Systems LLC ). 
The CFPB has filed lawsuits against major credit bureaus for failing to properly investigate disputes and wrongfully marking valid disputes as frivolousthis is a clear violation of FCRA 611. 

As a third-party debt buyer, Jefferson Capital Systems LLC must provide verifiable proof that this debt is valid and that I am legally responsible for it.

Under FCRA 609, I have the right to request the original signed contract proving I agreed to this debt.

Under the Fair Debt Collection Practices Act ( FDCPA ), Jefferson Capital must cease all collection activities until they provide sufficient validationfailure to do so constitutes an FDCPA violation.
Product: Mortgage

I was surprised with a XXXX basis point decrease in credits ( ~ {$450.00} ) for Provident Funding 's " appraisal waiver fee ''. This seems to be an non-industry standard fee that was only disclosed to me after my wife and I completed a Provident Funding loan application and Provident ran our credit. This fee does not show up on the Provident Funding website or in their XXXX app and was not disclosed via my call on XX/XX/2021 with a Provident Funding CSR. Given the loan to value for this refinance is ~40 % I expected an appraisal waiver, but I did not expect to be charged for this waiver, nor was it appropriately disclosed. 

This fee was first disclosed to me when I called Provident Funding to ask about the difference between their loan options described on their application choices vs the lock screens. 

Attached I am including Provident Funding 's rates & credits that are provided and advertised prior to completing an application and their lock rates available after ; as you can see the credits goes down between these two by {$450.00}. These screenshots were pulled at the same time and reflect the same PAR rate ( screenshot with buttons marked apply are at a lower cost than the one with buttons marked lock ). Of note, the appraisal waiver fee is not described ; whereas their Funding Administration fee of {$1300.00} is. 

FYI : Looking into this issue it seems that Provident Funding has a relationship with XXXX the appraisal company.
Product: Debt collection

Summary of Events : [ XX/XX/XXXX ] : I rented a vehicle from XXXX XXXX, with the understanding that the rental included insurance coverage, as confirmed by my reservation email. 
At Pickup : A XXXX employee informed me that additional insurance was unnecessary and removed the Loss Damage Waiver ( LDW ) from my agreement without my consent, assuring me I was fully covered. 
XXXX XXXX  ] At Return : The same employee reiterated that I was fully covered and would not be responsible for any damages. 
XXXX XXXX XXXX : Months later, I received a notice from Viking Client Services attempting to collect {$1800.00} for alleged damages. 

Actions Taken : XXXX XXXX XXXX  : I disputed the debt with Viking Client Services, requesting validation, including the final repair invoice. 
XXXX XXXX XXXX XXXX Viking provided only a repair estimate, not the final invoice or proof of payment. Additionally, the amount on the repair estimate differs from the {$1800.00} they are attempting to collect. The estimate shows XXXX I attempted to contact XXXX through multiple emails to resolve this issue but received no response. 

Additional Information : I have three witnesses who can attest to the XXXX employees assurance that I was fully covered and the unauthorized removal of the LDW. 

I have received multiple calls from XXXX representatives demanding payment without addressing my concerns or acknowledging the disputed charges. 


Current Situation : Despite my efforts, Viking Client Services has not provided adequate documentation to validate the debt. I believe the debt is invalid due to XXXX misrepresentation, lack of proper validation from VikingXXXX XXXX XXXX unresponsiveness to my attempts to resolve the issue.
Product: Mortgage

After hurricane XXXX in XXXX, our servicer reached out to us for a XXXX month forbearance because of the hurricane. They were suppose to transfer those payments to the back of the loan. During that period XXXX became our loan servicer and did not honor that agreement. With the help of attorneys we applied for a loan modification. This process took XXXX  years, XXXX law firms and over $ XXXX, finally ending with the threat of bankruptcy. 
The day before the Bankruptcy hearing NewRez presented us with the only offer they have ever given us for modification, all fees and charges added to our loan, extending our loan to 40 years and doubling our interest rate. This " deal '' resulted in effectively doubling our mortgage.

There was no official reason why this process took so long other than NewRez not meeting their own deadlines thereby dragging their feet until we decided to pursue Bankruptcy, it became priority to them at that time. To this day we have gotten no explanation as to why they repeatedly delayed this process, refused to work with us and at times not show up to conciliation 's arranged by both lawyers.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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: Credit reporting or other personal consumer reports

These accounts are reporting derogatory payments to the credit bureaus and this is a violation. I am requiring you to remove the derogatory payments asap. 15 us c 1666b XXXX XXXX Discover XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding a written-off account that remains on my credit reports ( EXPERIAN ) despite the fact that i have received a XXXX ( cancelation of debt ) form for this debt. This issue has caused a serious and unfair impact on my credit standings, and I'm seeking immediate assistance from the CFPB to resolve the matter. 

Despite receiving a XXXX form from the creditor, which indicates that the debt was legally forgiven and reported to the IRS, this account continues to appear on my credit report as written off, negatively impacting my credit score. 

The debt has been canceled and should no longer appear as charged-off or written-off account. Under the FCRA, inaccurate or unverifiable information should not remain on ANY of my credit report. 

Account Details, Name : XXXX XXXX XXXX XXXX account # XXXX date written off : XX/XX/year> amount reported as written off : {$2400.00}
Product: Credit reporting or other personal consumer reports

Im genuinely taken aback after seeing incorrect accounts appear on my credit report today. I review my report frequently, so finding these discrepancies was an unwelcome shock. I even tried refreshing the page in hopes it was just an error, but the inaccuracies persisted. As a result, Im requesting a thorough check of the documents Ive sent to resolve this once and for all.
Product: Debt collection

Bursey & Associates, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is in response to your letter I received on XX/XX/XXXX. The letter is dated XX/XX/XXXX. Your letter is in response to my validation dispute letter i sent your Lawfirm. 
I have attached the letter for reference. The information that was provided to me does not validate ownership. The information provided were statements that were sent to an address I did not reside at and contained many errors. I do not acknowledge the debt to be valid. The statements From XXXX XXXX Bank, XXXX is not proof that the debt Was assigned to me. There is no signatures or contracts to validate ownership. In addition, the other document you provided was the documents where the debt was purchased by your law firm. The dates on the accused debt is from XXXX. This date exceeds the statute of limitations for collecting this type of debt. Per the Fair Credit reporting act, your law firm is also in violation. I have suffered identity theft and have reported it to the credit bureau and have had other fraudulent credit items removed due to this. In regards to the accused debt from XXXX XXXX Bank Famously you Rewards. The statements provided again were being sent to an address I did and do not reside at. I do not acknowledge this debt to be valid. I am however grateful to have proof to send to the credit bureaus as I can prove my residency dates to further dispute these dates on the invalid fraudulent debt. Please do not continue to contact me or pursue any court actions as that is a violation of the FCRA. I have researched your law firm, as many other complaints have been made due to bullying and scare tactics, with court documents to create fear or hoping to obtain default rulings for those who simply dont know what to do and end up with invalid garnishments. This is in violation of the FCRA! Please cease and desist contacting me and drop your court proceedings as your findings are false. Providing me with documentation that contain inaccuracies is not valid proof of the accused debts stated in your response letter. I will be reporting your firm to the Federal Trade Commission due to your violation. Do not contact me again with your large packets of inaccurate documents used to intimidate or bully consumers with your scare tactics. I do not acknowledge these false accusations or documents that contain many inaccuracies. 

Cc : XXXX XXXX XXXX XXXX of the state of Arizona in XXXX XXXX XXXX,
Product: Bank account or service

First Merit Bank has charged hundreds of dollars in inactivity fees. Upon realizing this, I decided to make a payment of {$100.00} from the account, which would take the balance down to a minimal amount ( and, presumably, avoid the inactivity fees ). Most recently, XXXX separate inactivity fees - {$35.00} each, {$70.00} total - which hit my account at the same time as the {$100.00} payment I attempted, caused the account to be overdrawn. It does not seem right that they can cause my account to be overdrawn as a result of their fees. Any assistance would be greatly appreciated.
Product: Checking or savings account

A check of mine was forged and cashed out of state. The bank should have never cashed this check of mine that does not match my handwriting and is for an amount i've never written a check for, anything near this high I would have used a cashiers check for security. The check is obviously forged and the bank had no protections in place to prevent this forged check use. 

Fraud claim # XXXX Committed in XXXX OK at XXXX XXXX XXXX XXXX Bank of America
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This debt was removed from all credit bureaus several months ago. It was not removed as a result of a bankruptcy ( Ive never filed for bankruptcy ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter more than 30 days now and I still have not gotten any results. They did not investigate inaccurate accounts reporting on my credit report.
Product: Payday loan, title loan, or personal loan

On Friday XX/XX/XXXX I was notified by my bank, XXXX XXXX, that my account had been compromised by an overseas individual or individuals. XXXX XXXX, thankfully, put a hard restriction on withdrawals from my account. I immediately notified Credit Ninja  and spoke to a representative. They informed me that they would not know if the restriction kicked their auto draft payment out. This morning, XX/XX/XXXX I received an email that the payment in fact did not get made. ( I left enough in the account to cover any unprocessed payments ). I immediately used the link provided by Credit Ninja  in their email to pay the amount due, plus fees accessed. I was then pressed for my debit card information for this week 's XX/XX/XXXX payment, so I used the link to pay the amount due on XX/XX/XXXX. I'm then pressed more to give them my debit card information, to which I declined, stating that I will make my payment on XX/XX/XXXX ( I paid XXXX and XX/XX/XXXX ) online as I did this morning. They are now claiming that the second payment I made today went towards principle since it wasn't done on XX/XX/XXXX and I'll have to make an additional payment on XX/XX/XXXX. I provided back to them their email stating that they had received both payments and that my next due date was XX/XX/XXXX. 

I've already had my bank account compromised. I've already paid with fees the payment XXXX even though I'm a victim of fraud and paid my next payment so I can get my XXXX account re-established ( less the fraudulent access from overseas ) and they are threatening me with collections. This is unacceptable and abusive to say the least.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX  XXXX  XXXX, XXXX XXXX  XXXX and XXXX XXXX XXXX