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

Dear Sir/Madam, I have Fraudulent Hard Inquiry on my credit report. Someone applied to XXXX XXXX in order to get some goods or benefits or funds, I didnt apply for it. I enclosed in this letter an FTC report for all mentioned fraudulent inquiry and the copy of my ID. Here is the list of Fraudulent Hard Inquiry : XXXX XXXX XXXX XXXXXX/XX/2021 It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. This inquiry is the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that this inquiry is unverifiable information and must be deleted from out of my credit file. 
I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency, report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be BLOCKED and DELETED!
Product: Debt collection

IQ Data International XXXX XXXX XXXX Subject : Demand to Halt Collection Activities Account Number : XXXX Dear Representatives, I am writing to formally insist that you immediately cease all communication and collection activities related to the alleged debt associated with Account Number XXXX. 

As representatives of IQ Data International and XXXX XXXX XXXX, I am deeply concerned that your actions contravene various federal laws and Colorado state codes governing debt collection practices. I am alarmed by how much you appear to infringe upon individuals ' rights with fraudulent activities and violate my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and other relevant consumer protection laws. 

My concerns include, but are not limited to, the following : Fraudulent Debt Collection Practices : I maintain that the debt you attempt to collect is fraudulent and lacks proper validation. I demand that you cease spreading false information to the credit bureaus about an alleged debt associated with a XXXX individual who possesses significant assets in cryptocurrency and owns three homes in this country. Your actions are deceptive, and we both know it. 

Violation of Fair Debt Collection Practices Act ( FDCPA ) : Your actions constitute a flagrant violation of the FDCPA, which prohibits abusive, deceptive, and unfair debt collection practices. I demand you cease all communication with me and any third parties concerning this alleged debt. Your persistent verification of a fraudulent debt and repeated account openings demonstrate a disregard for federal debt collection laws. 

Verification of Debt : Under the FDCPA, you are required to verify the debt. Instead, you have presented the credit bureaus with a falsified document, a standard company practice, and violated my rights. 

Failure to comply with this cease demand will compel me to pursue all available legal remedies, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and initiating legal action against your company. 

Please be advised that I consider this matter extremely serious, and I expect your full cooperation in resolving this issue promptly. Any further attempts to collect on this alleged debt without proper verification will be viewed as a willful violation of the law. 

This letter is not an exhaustive statement of my legal or otherwise rights concerning the above-referenced debt. All rights are expressly reserved. 

Sincerely, XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Plaintiffs, XXXX XXXX XXXX, files the following action against Respondent ( s ) Equifax Consumer Services, XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX et al for violating 15 U.S.C. 1681 e ( b ) for intentionally and knowingly failing to assure maximum possible accuracy of information contained within consumer credit reports. XXXX XXXX 1. On XX/XX/XXXX XXXX XXXX requested, pursuant to FCRA 611 ( a ) ( 7 ), a description of all methods used to investigate and/or verify the accuracy of the reported information on alleged bankruptcies filed XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 2. On XX/XX/XXXX, respondents stated to XXXX XXXX that the reported alleged bankruptcy was certified as accurate and refused to remove said information. At issue in the foregoing complaint is the failure and refusal of Respondents to remove unverifiable bankruptcy from consumer credit reports. There exists no possibility or mechanism for a Consumer Reporting Agency to verify any bankruptcy filings in accordance with 15 U.S.C. 1681e ( b ). All Federal Bankruptcy Courts are restricted from public disclosure of individuals personal identifiers by Federal Court Rule 5.2 ( a ) 1-4. Therefore, not enough information is contained with a court record for a Consumer Reporting Agency to comply with the statutory requirements of the law. In XXXX, the Respondents settled a lawsuit brought by all 50 State Attorneys in a lawsuit pertaining to the use of public records from state and local courts. As part of that settlement the Respondents created the National Consumer Assistance Plan, which in relevant part established enhanced standards ( effective XX/XX/XXXX ) requiring that state and local court public records be reported with at least a minimum of personal identifying elements to include name, address, full social security number and a complete date of birth. Because no Federal agencies intervened on the behalf of consumers, the Respondents opted to disallow Federal bankruptcies in these enhanced standards and requirements. WHERFORE, plaintiff requests that the Consumer Financial Protection Bureau find Respondent ( s ) in violation of 15 U.S.C. 1681 e ( b ) and AFCRA 611 ( a ) ( 7 ) and order an immediate halt to the reporting of bankruptcy information on all related consumer credit reports. Because Respondents have been fully aware that its actions violated the rights of consumers since at least XXXX, the Plaintiffs request that the CFPB join plaintiff in federal lawsuit.
Product: Checking or savings account

THIS BANK DOES NOT CARE ABOUT ITS CUSTOMERS!!!! 

Well, once again, Citibank proves how awful they really are. 
Recently, I had a new debit card issued because the prior debit card kept getting declined.

Now, Im again having the same problem.

I am honestly scared to go anywhere and use this card, because Citibank has some jacked-up algorithm that thinks it knows better than me where to spend my money. 
And each call to their XXXX world customer service line yields even more ridiculous results. 
Citibank puts a hold on almost anything that is not in my pattern of spending, forcing me to spend XXXX or more minutes on the phone with a complete XXXX who barely speaks XXXX. 
UNACCEPTABLE, Citibank! 
Get your head out of your stupid algorithms and hire some competent frontline customer service support. 
And most recently, today, I tried twice to pay a traffic citation on the applicable city website. Each time my Citibank card was DECLINED by the city site. But Citibank went ahead and charged my account for each transaction even though it failed at the site I was making the payment.

The predictably dumb customer service rep said that was the was Citibank does this. 
I had to pay with another card from another bank and it went through just fine. 

THIS BANK IS A DISGRACE. Just look at any review site like the XXXX  or XXXX. 
All XXXX star ratings FOR A REASON!!!!!!!!
Product: Credit card

I've always ensured that payments on this account are made on time, never letting them become overdue. I'm unsure about the reasons behind reports of late payment remarks on my accounts. Based on 15 USC 1666b - Billing Error, this should be rectified.
Product: Debt collection

After pulling all 3 of my credit reports, I 've notice a collection debt from RENTDEBT AUTOMATED COL SO CALLED ACCT. # XXXX, ( THE XXXX ARE INVALID MY CREDIT REPORTING STANDARDS ALONE ) ,XXXX XXXX XXXX XXXX, TN XXXX, ( XXXX ) XXXX pertaining an invalid account number and amount that is not mine, I do not have a contract with them and do not owe this company. This falls under inaccurate/false reporting and must be DELETED FROM ALL 3 CREDIT BUREAU 'S IMMEDIATELY and due to law passed effective XXXX XXXX, 2017 no judgments are to be reported on neither 3 credit bureau 's. This is illegal again I do not owe this debt that the RENTDEBT has reported and it is not mine. I request that RENTDEBT REMOVE IMMEDIATELY FROM ALL 3 CREDIT BUREAU 'S WHICH IS XXXX, XXXX AND XXXX. I 'M APPAULED THAT COLLECTION AGENCY CAN REPORT ANYTHING/AMOUNT ON YOUR CREDIT AND RESPOND TO THE CREDIT BUREAU 'S AFTER DISPUTE THAT IT IS ACCUARTE IMFORMATION, OWED AND UPDATE NO PAYMENT ON YOUR REPORTS!
Product: Mortgage

I recently refinanced my home lone through XXXX XXXX for a better rate. I closed out my old home loan with mortgage holder NewRez, who issued me a check to refund the escrow I had already payed for the year for {$4700.00}. I deposited the check on the XX/XX/XXXX to my account at XXXX XXXX XXXX  but the check never cleared. Yesterday ( XX/XX/XXXX ) they issued a chargeback on my account, removing the {$4700.00} and also causing the bank to issue me a Chargeback Fee of {$5.00}. When I contacted customer support for NewRez I was told that the check had been voided and that they issued me a new one on Monday ( XX/XX/XXXX ). Nobody had bothered to see if the check was deposited or not before voiding it. The new check is supposedly in the mail, but when I pressed the issue of why this had happened and what they were going to do about the chargeback fee they just said the complaint had been noted. 

A lender bouncing checks issued to their borrowers is intolerable. There would be stiff consequences for me, the borrower, if the roles were reversed and I was issuing bad checks to them. This is not my first encounter with NewRez 's incompetence, but this is the first instance where it has impacted me financially rather than just inconveniencing me. Someone needs to do something about this behavior.
Product: Checking or savings account

I had a rental car stolen from me in XX/XX/2015 and got it back and returned it. I offered to pay the company an additional {$200.00} over {$360.00} owed for the trouble. They in turn ran a fraudulent invoice for {$3000.00} thru my Chase bank account. Chase, instead of helping me fight the fraudulent invoice, garnished my entire social security check for 3 months. It is AGAINST THE LAW to garnish any part of a social security check ( XXXX  ). Every time I fought them to get it stopped they gave me provisional credit then took it back bouncing every payment made off that check and charging me service fees. I lost my home of 17 years, everything I owned and my car got repossessed. I want my credit restored and every payment owed by this to be paid by them, my money returned plus the charges they accrued and billed me for in excess of {$50000.00}. It is AGAINST THE LAW to garnish XXXX  in full or part according to the FEDERAL GOVERNMENT. I sent them  evidence of the fraudulent invoice which they used against me as " proof '' I owed money instead of proof of fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter to reinvestigate some incorrect items on my credit report. That letter was delivered by USPS by certified mail under tracking number ( XXXX XXXX XXXX XXXX XXXX ) and was delivered on XXXX. It has been past 45 days and no response to verify this item which is XXXX, XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. I am attaching a copy of that letter and I sent a second letter on XXXX under tracking number ( XXXX XXXX XXXX XXXX XXXX XXXX to notify Equifax that 45 days have past and to delete this item from my credit report and they have not, which is a violation of 15 U.S.Code section 1681i- Procedure in case of disputed accuracy. 

I also sent a letter to Equifax to reinvestigate two items on credit report which is XXXX XXXX, XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  XXXX It has been over 45 days and still no response and this is a violation of 15 U.S. Code section 1681i- Procedure in case of disputed accuracy. 

This is hurting my chance of getting a house and is not acceptable I also sent them my state ID and proof of residence.
Product: Debt collection

I received a copy of my credit report and am disputing some items that need to be deleted. 

Name : XXXX XXXX XXXX XXXX Account # : XXXX Amount : {$500.00} Name : XXXX XXXX # XXXX Account # : XXXX Amount : {$720.00} The reasons why these items should be deleted are indicated below : According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. 

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC1681j ( a ) ( 6 ) ]. According to the provisions of 612 [ 15 USC1681j ], there should be no charge for this report. 

If you have any questions or need additional information, please contact me at address noted below.
Product: Vehicle loan or lease

My mom bought a car, I have never seen the car, so even though I clicked used car I am not sure. I never saw the car. 
The salesman called me and asked if I would come down and cosign. My mother came home with the car. The salesman never called me to come and sign anything. I asked my mom. She said they said they just approved her by herself. I called the salesperson. He said everything is finished. I never signed for this car. The dealership should not have me on this loan.
Product: Credit card or prepaid card

Apple credit card account was closed on XX/XX/2022. I do not know what rules I violated and I reached out to support and they refused to explain to me the reason behind closing the account. I attached their email as well as my conversation with them through the chat.
Product: Credit reporting

Experian is reporting an address that is not mine. I have disputed this incorrect information on many occasions and I have not have any success getting this incorrect information remove from my credit report. The incorrect address is the XXXX XXXX XXXX, XXXX, GA address.
Product: Credit reporting or other personal consumer reports

NATIONWIDE RECOVERY SERVICE , INC IS ILLEGALLY ATTEMPTING TO COLLECT DEBT WITHOUT A LICENSE TO COLLECT IN THE STATE OF GEORGIA. 

Nationwide Recovery Service , Inc . 
XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/2024 NOTICE TO CEASE AND DESIST You are hereby notified to immediately cease reporting on my credit report concerning the collections and the alleged debt associated with the account referenced above. This letter serves as a written request pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ).

You have fraudulently accessed my personal information that I did not give consent for you to have. I dispute the validity of the debt that you claim I owe and request that you provide verification of the debt, including the original creditor 's name and address, the amount owed, wet ink signature, My fingerprints, Original contract, and proof that you are licensed to collect debts in my state ( if you are a debt collector ). Until such time as you provide verification of the debt, I am exercising my right to cease and desist all collection activities. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law. 
Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. It is alleged debt until it can be proven. With no supporting evidence it must come off the report. 
Furthermore, I am requesting that all communication regarding this debt be conducted in writing only. Please do not contact me by phone, email, or any other means except in writing. Any further attempts to collect this debt without providing verification or in violation of the FDCPA will result in legal action being taken against your agency. 
IF YOU OR ANY OTHER AGENT OF YOUR COMPANY ATTEMPTS TO CONTACT ME OR CONTINUE REPORTING THE ALLEGED DEBT, A FORMAL COMPLAINT WILL BE FILED WITH THE FEDERAL TRADE COMMISSION. 
Please move forward with the above request. Failure to complete this request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ). 
In closing, please acknowledge receipt of this letter and confirm that you have ceased all collection and reporting activities on this debt. Failure to comply with this request will result in further legal action. 
Sincerely, XXXX XXXX
Product: Student loan

I was enrolled in a Rate Reduction Plan for the past 15 months. My monthly payment was {$500.00}. The time has come where my contractual monthly payment of {$700.00} would begin next month. As I called the company after receiving an email to discuss an extension, I was turned down. They did a " monthly financial statement '' where they asked me questions based on my monthly expenses. I estimated each financial question. After giving my financial statement, they denied me and told me that based on the information, I make enough money to pay the contractual monthly payment. They then looked on my credit report to determine what my monthly payments are ( credit card statements, loans, car payments, etc ) to try to show me that I have extra money left over. Just because my monthly payments are a minimum payment, does not mean that I do not pay more to avoid paying just interest. I do not think that determining by " word of mouth '' is an accurate way to decide what program I am eligible for or not. I then spoke to a supervisor who told me that there was absolutely nothing that they can do for me. If they want to see my annual federal income, I will be glad to show them my tax returns. I am a student struggling to pay my student loans and I think it is completely unprofessional that this company is turning me away for not be able to afford a high monthly payment and is not willing to work for me, or to enroll me in a different payment. I have been dealing with this company for over 7 years and they are rude and unprofessional. They are disrespectful and I do not appreciate being turned away when this company is supposed to help us struggling students pay off our debt. Employee numbers- Supervisor XXXX XXXX- XXXX, XXXX XXXX-XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Payday loan, title loan, or personal loan

Omni does not provide any loan information as to current balance, interest rates, payment amount for my loan online, nor do they send mailed statements. I have called numerous times with no answer and have not received a call back. I am unsure of any of my loan specific information and do not have access to it.

Omni said when I opened up the loan, I was encouraged to setup an allotment. That is what they specifically stressed. They also said if I stopped the allotment at anytime, they would debit my bank account for the amount. I am trying to set up my payment via check or automatic bank transfer and fear they will debit my account more than once. I am trying to talk to someone at Omni to avoid this potential issue.
Product: Credit reporting or other personal consumer reports

I am writing to express my concerns regarding several issues I have encountered with the credit bureau, including incorrect account listings, inaccurate credit reporting, billing discrepancies, and errors in the reporting of late payment history.
Product: Checking or savings account

I opened a checking account with Santander Bank on XX/XX/XXXX. 
On XX/XX/XXXX, I initiated a transfer of {$15000.00} from a different bank of mine into my new Santander checking account. The opening deposit was processed on the same date and finds were withdrawn from my other bank account on XX/XX/XXXX. 
However, my Santander bank account was locked soon after, pending further review of my initial deposit. It has been more than 15 days now, and my account is still locked after multiple phone calls to Santander bank customer service. My funds are now locked and I am unable to access my funds.
Product: Checking or savings account

I been telling them I have identity theft issues with my account someone is using my information even on people search there information that not mines
Product: Debt collection

It is inconceivable that, in the face of irrefutable proof of fraudulent activity, your bureau continues to deny the removal of these accounts. I find it absolutely unacceptable that I should suffer the consequences of identity theft or erroneous reporting when I have diligently followed the proper procedures to rectify this situation. I was the victim & Im not sure why the FCRA is not complying with the law. This is not how victims should be treated. I am asking for justice and yet, it seems you do not give any attention and ignored our complaint. 
XXXX XXXX- PLEASE DELETE!!!! 
XXXX XXXX -PLEASE DELETE!!!! 
XXXX XXXX -- PLEASE DELETE!!!! 
I demand an immediate and thorough investigation into why these fraudulent accounts persist on my credit report, as well as an explanation for the repeated denials to remove them. It is your duty as a credit reporting agency to ensure the accuracy of the information you provide, and the presence of these fraudulent accounts contradicts the principles of fairness and accountability. 
I insist that you take prompt and decisive action to rectify this gross oversight. The burden of proof rests squarely on your shoulders, and I expect your agency to act in accordance with the Fair Credit Reporting Act ( FCRA ) to promptly correct this damaging error. The continued presence of these fraudulent accounts is not only damaging my credit score but also causing undue stress and hardship.
Product: Prepaid card

company said a third party account called netspend was created with my name. that brinks was a promotional debit card I received for being a customer of netspend. I asked for the account to be closed and a way to contact someone about verifying my identity was not taken and accounts are not being opened under my name.