23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I applied for American Express through their pre approval page on their website. It showed me 3 cards with 2 different interest rates. When I received my card member terms of agreement ; the APR was at a random amount not even shown in any of the pre approval options. I called them right away and they made a case. Ive called about 6 times on the matter and no one there can get to me a department that can explain whats going on nor do they send me any correspondence about this so called investigation which they told me takes 60 days. Ive had my account open now about 4 months. To make matters worse, I received their 15 months no interest offer, and I keep getting charged interest every single statement period. Im sick of calling them. Theyre incorrectly and I feel illegally, reporting false debt totals to the credit bureaus. Ive called about this also every single month. Nothing is done. Im furious.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm writing you today because I noticed an inquiry from your company on my XXXX  credit report on XXXX listed under Kia Motor Finance. I did not authorize this inquiry for credit and have no knowledge of even applying for financing with your company. This listing is in violation of the FCRA and needs to be removed as soon as possible.
Product: Credit reporting or other personal consumer reports

I am challenging several instances of inaccurate and potentially unlawful activity related to my credit report. These include debts reported under false pretenses, unauthorized hard inquiries, and incorrect personal information. Each issue violates provisions of the Fair Credit Reporting Act ( FCRA ) or other U.S. laws that safeguard my consumer rights.

For debts, I am invoking 15 U.S. Code 1692g, which requires debt validation, and I am demanding specific documentation proving the validity of the debts in question, such as contracts or applications bearing my signature. I cite precedent cases like XXXX XXXX Trans Union Corp. to highlight the legal liability for willful non-compliance.

For unauthorized hard inquiries, I reference 15 U.S.C. 1681b ( a ) ( 2 ), which mandates a permissible purpose for accessing consumer reports. I demand these inquiries be deleted unless proven legitimate. 

In regard to the incorrect addresses listed on my report, I am asserting my right under 15 U.S.C. 1681i to dispute and correct inaccuracies, holding the credit bureau accountable for ensuring the highest standards of accuracy, as established in XXXXXXXX XXXX XXXX XXXX and XXXX XXXX Trans Union XXXX. 

I am demanding a thorough investigation and immediate correction of these issues. Additionally, I am prepared to escalate the matter to regulatory bodies or pursue legal action under 15 U.S.C. 1681n and 1681o if the situation is not resolved promptly and satisfactorily.
Product: Debt collection

This company has purchased this debt from XXXX XXXX XXXX which was reported to you and removed. According to 15 USC 1692G It is illegal for a collection agency to buy your debt and come after you. I did not enter into any contract with this company. They have violated my consumer rights by making this purchase. They have obtained personal information from lvnv funding. According to the state that i live in which is Texas the statue of limitations has been far exceeded and no one should be attempting any collection on this account. The date of this letter is XXXX XXXX.
Product: Credit reporting or other personal consumer reports

LexisNexis is reporting a public record to XXXX that is not correct ( Bankruptcy  XXXX ). I sent documents to LexisNexis on XX/XX/XXXX  ( case XXXX ) with a copy my police report and identity theft information to support blocking/removing the record per my right to have any information listed on the report as alleged fraud, promptly blocked so that the information can not be reported. 

On XX/XX/2024, I contacted LexisNexis Consumer center and was told the information was removed per my request and a new consumer file would be mailed to me. I received a new report dated XX/XX/2024 ( consumer # XXXX, dispute case # XXXX ) which showed the record being removed however, as of XX/XX/2024, LexisNexis is still reporting this information to XXXX and XXXX is saying they can not do anything until LexisNexis removes. LexisNexis is now telling me they have no record of my dispute and the record is now reporting again.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

I am reporting a potential FDCPA violation against the The National Consumer Telecom & Utilities Exchange ( NCTUE ) who unlawfully provided XXXX XXXX a copy of my credit report via XXXX and the XXXX XXXX XXXX while my report has a security freeze placed upon it WITHOUT my consent. This report has been frozen since XXXX and I have written confirmation/receipt that it is still frozen and the only way to unfreeze the report is if I process a temporary or permanent lift with my 10-digit Personal Identification Number ( PIN ) that I did not provide.
Product: Debt collection

Diversified Consultants, INC XXXX XXXX XXXX XXXX XXXX, FL XXXX Florida Office of Financial Regulation License # XXXX XXXX Department of Consumer Affairs License # XXXX Ref : Agency Reference Number # XXXX / Account # XXXX To whom it may concern : On XXXX-2017 Diversified Consulting Inc sent me a letter stating that I owed a debt. I am disputing the above referenced debt. Please verify this debt as required by the Fair Debt Collection Practices ( FDCPA ) ( section 1692g ) and XXXX XXXX XXXX Administrative Code ( section 20-493.2 ). XXXX XXXX XXXX regulations require all debt XXXX to send specific written documentation verifying the debt. Under section 2-190 of the Rules of the City of XXXX XXXX, verification requires all of the following : Proof of my agreement to pay the original creditor A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; and For all other charges, the date of and the basis for each charge. I dispute this charge because I do not recognize this debt and I do not owe any money to this creditor. I monitor my report monthly and I have become a responsible consumer and this is an unfamiliar debt to me. If it were indeed valid it would have been paid. Moreover, this debt appears to be past the Statute of Limitations. Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please notify the credit reporting agencies that the debt is disputed and/or delete the trade line from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the FDPCA and their Fair Credit Reporting Act. ( section 1692g ) Aside from verifying the debt, do not contact me about this debt. The FDCPA and Rules of the City of New York ( section 5-77 ) require that you honor this request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not done their due diligence by following reasonable procedures to insure the maximum possible accuracy of the information that they are reporting on my credit file. The presence of these account are harming me! I have disputed the completeness and accuracy of these accounts and requested account level documentation bearing my wet signature, I have also requested the method of verification and it still remains on my credit file with no response back from Experian or the furnisher. Experian seems to have an issue with verifying the completeness and accuracy of information being reported to consumers credit file, and they continue the practice of parroting the response from the furnisher even though they have been repeatedly sued for failing to conduct a reasonable investigation as required by the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX  XXXX Balance Owed : {$440.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$60.00} ; XXXX  XXXX XXXX Balance Owed : {$530.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$0.00}.
Product: Credit card or prepaid card

The following ( XXXX, XXXX, XXXX ) credit reporting agency ( XXXX ) is reporting inaccurate information on the listed accounts below ; Due to their errors in reporting Im reporting these violations. The first being with the XXXX Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the XXXX, which requires all reporting to be XXXX XXXX accurate. If the information is NOT XXXX XXXX accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The XXXX  has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw these accounts from my personal file. ( XXXX XXXX Date opened XX/XX/2015 XXXX {$0.00} ).
Product: Checking or savings account

On XX/XX/XXXX at XXXX, I entered The XXXX XXXX to purchase a generator. After attempting to use my debit card, the check out person XXXX from XXXX XXXX recognized that I did not get a receipt from the transaction so after calling management, he did not allow me to leave the store with said merchandise understandably since there was no record of the purchase. I then checked my account on the application and seen that on the Capital One app it had indeed debited my account for the total amount of the transaction and being surprised, I showed the cashier XXXX the app which showed it indeed was taken. He said to contact my bank as there was nothing else they could do. I called Capital one 360 at that moment while still in the store and got through with an agent who explained that since they are saying it didnt go through, he would refund me the funds and conduct an investigation. That was the last thing said and I assumed it was taken care of. 

Fast forward a month and a half later to today, I get an email from Capital One 360 that they denied my claim due to proof from merchant that it was a valid transaction and that they would be taking back the money for the purchase that did not go through. After catching an anxiety attack, I called Capital One 360 to ask how they could come to this conclusion and an off shore agent with a lack of empathy told me that the merchant satisfied there investigation and therefore they concluded that it would be taken. I rushed over to The XXXX XXXX to see what proof they provided and was told that there was none, no record of that purchase was found and further, loss prevention checked the camera on said day and confirmed that I did not walk out with any merchandise on XX/XX/XXXX. They provided me proof that the money was not taken due to the transaction failing, or something to that effect but Capital One still insists that they have proof that was sent to them by XXXX XXXX of it being valid which is impossible because they do not have any account of me making a purchase that day.
Product: Payday loan, title loan, personal loan, or advance loan

I've been stuck dealing with them for a long time. Most recently I was offered an advance of XXXX on XX/XX/XXXX. Consistently I've been getting paid of XXXX  not XXXX. They tried to withdraw my advance before my check cleared. I then tried to get an advance ... of my own money. On XX/XX/24 it said I had an advance limit of XXXX which was troublesome because I have to pay rent. I talked to a person at XXXX and they said my advance would update today. The limit has changed to XXXX. I'm completely out XXXX and it's not okay. I have XXXX and I'm stuck in a cycle of paying them back and then having to barrow again
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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX 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 ) However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 
Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Product: Money transfer, virtual currency, or money service

Did not give proper warning before sending money to party to make sure it was correct person
Product: Credit reporting, credit repair services, or other personal consumer reports

I had rented an apartment with The XXXX XXXX in XXXX, SC managed by XXXX XXXX XXXX XXXX XXXX XXXX ) from XXXX XXXX to XXXX XXXX. The dispute has been forwarded by XXXX to XXXX XXXX XXXX and they have incorrectly reported it to credit agencies which is harming my credit profile and score. 

After I moved out of The XXXX XXXX apartments, I was sent a list of charges totaling {$290.00} ( attached ) that XXXX had slapped on me. There was no basis for most of these charges nor was there a mention about my obligation towards most of those items in my lease contract XXXX attached ). I reluctantly agreed to pay most of the charges but refused to pay for carpet-shampooing and oven-cleaning that they were claiming, as there was no basis for it. XXXX refused to hear my plea and forwarded this 'case ' to a collection agency named XXXX XXXX XXXX XXXX collect {$240.00} from me. 

I was harassed by this agency for many days while i kept explaining them that the agency nor XXXX have any proof to ask for this money. I also sent them a copy of my lease contract and communication with XXXX. But they very hard to reason with and reported this to all the the XXXX credit agencies in XXXX of XXXX. 

This has been harming my credit history, profile and score since then.
Product: Debt collection

I had paid {$140.00} to XXXX on XXXX/XXXX/XXXX for usage from XXXX/XXXX/XXXX - XXXX/XXXX/XXXX. My last visit to the facility was well before XXXX/XXXX/XXXX. I had emailed XXXX to discontinue my membership and that I have already fulfilled my mandatory XXXX agreement of staying on as a member to avoid early termination fees. I entered into a year contract from XXXX of XXXX. I know for a fact that XXXX has a record of my attendance, and that my last checked-in usage of the facility was before XXXX/XXXX/XXXX. 

On XXXX/XXXX/XXXX, I received a letter from Dutchess Adjustment Bureau, from XXXX XXXX a debt collector ), as noted in the letter. It says that unless I notify this office within 30 days after receiving this notice that I dispute the validity of this debt or any portion thereof, this office will assume this debt is valid. If I notify this office in writing within 30 days from receiving this notice, this office will : obtain verification of the debt or obtain a copy of a judgment and mail me a copy of such judgment or verification. If I request this office in writing within 30 days after receiving this notice, this office will provide me with the name and address of the original creditor, if different from the current creditor. 

I have no idea what this means and they are trying to collect a balance of {$280.00}. Please advise on how I should proceed.
Product: Debt collection

I received an alert from a credit monitoring service I use and when I checked there was a collection account was put on my consumer report. This account does not belong to me and I do not know or have done any business with this company. I reached to this company asking how they obtain my information with out my permission and verification of this alleged debt belongs to me. They have not provided me any validation
Product: Debt collection

I received this summons and have not heard from these people before. I can not contact them for information as I do n't have any communication except for this!
Product: Debt collection

This is on my credit report I never had anything with this company I want it removed without proof it should have never been on my Credit report
Product: Credit card

To whom this might concern, I am writing to complaint about Chase credit card fee management. Chase has violated the customer agreement when they keep charging the interest fee on the TOTAL PURCHASE of the month instead of the outstanding balance after I made the payments. 

For example, I purchased {$4000.00}, paid {$3000.00}, and am subjected to the interest charge on {$1000.00}. Chase charges the interest on my entire {$4000.00} purchase for the periods for multiple months. I have attached my statements that show how Chase calculates the interest on the total monthly purchases. 

After multiple attempts contacting Chase 's customer services, the issue has not been resolved. I have closed the account. I would like to file the complaint against Chase practices since they originally violates their agreement, falsely charged their customer, failed to resolve problem, and made no further attempt. 

Thanks and have a good day! 
Sincerely,
Product: Debt collection

Talked to supervisor of Financial Adjustment Bureau on XX/XX/20. He threatened a lawsuit with wage garnishment if debts were not paid within 20 days. When I asked for proof of debt, he claimed that he had already done that and that he would not do it again. I told him that I have no idea what these debts are and I would like to validate them, he said no. He stated that we ( my husband and I ) must get a loan to pay {$1400.00} in 20 days or his attorney will sue for the amount owed and they will garnish wages. There is no way that I can dispute the debt because I never received notice of the debt.
Product: Debt collection

I was contacted by this collection agency who stated that if I paid the outstanding balance I had with their office that they would notify all the credit bureaus to remove the collection account from all of my reports. I have paid the balance and they have not done this.
Product: Debt collection

Oliphant Financial , LLC Placed a debt on my account that was written off in XXXX by XXXX XXXX that was opened in XXXX according to my credit report. This was in done in XXXX. They never called, reached out or sent any notices. They placed it directly on my credit report, sent me to a third party collection company located in my home state. The third party company stated that I owed {$16000.00}. According to my credit report, over {$2000.00} was paid prior to this action. Oliphant Financial , LLC Was called and passed this situation off onto XXXX XXXX XXXX. XXXX XXXX XXXX stated that I owed {$2000.00} more on the debt trying to get more money from me. I agreed to pay {$8000.00} due to threats of being sued. Oliphant Financial , LLC Recently reported negative payment history to all credit bureaus. I called and asked why would they do that and the report stated that I was 90 days past due on a debt I never got confirmation on. The report also stated that I opened the account in XXXX. This a a debt from XXXX XXXX that was charged off in XXXX by XXXX XXXX. I never received the charge off as income letter from them. Never received a 1099 C for charge off debt. This is unfair practices.
Product: Money transfer, virtual currency, or money service

I have been trying to attempt to resolve my issue with Cash App. First off, I have funds someone sent me that I can not access because the app is requesting my pin. Well I forgot my pin and when I hit  '' forgot pin '' it ask for my routing and bank account number. I provided my personal routing & bank account number that is linked to my cash app and the app keeps telling me the account doesn't match their records. Maybe they want me to use the routing & account number that is cash app provides on their cash app cards but I do not have that as the card was never sent to me. It is completely impossible for me to reset my pin if the info they 're requesting doesn't match their records. When I ask Cash App to call me, they keep responding by saying go to the app and select  '' phone '' but that is not an option either ... the only option the app is providing is email. THIS IS HIGHLY RIDICULOUS AND FRUSTRATING. I have funds that I can not even access and the funds have been there for almost a month. Their policy states that funds get returned after 14 days but the funds have not been returned to the sender. I would prefer they send the funds back instead of sitting in their account.
Product: Credit reporting or other personal consumer reports

XXXX is reporting these hard Inquiries from : 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 TransUnion is reporting these hard inquiries from XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX. 
XXXX XXXX XXXX XXXX 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  I dont recognize these lenders, and I dont remember authorizing them to perform a hard inquiry on my credit report. 
I send them certified mail to delete those inquiries from my credit report.