23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am a young girl barely XXXX I have NEVER even used my credit before. This is a formal request a block of listed accounts according to Section code 605 Block of information resulting from identity theft ( 15 U.S.C.1 681 c-2 ) Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than ( 4 ) days business days after the date of receipt by such agency of :
Product: Credit reporting, credit repair services, or other personal consumer reports

They said they would do an investigation but then they still reported the items. I asked how they investigate and they said " we call the collector and verify your name and DOB '', I then asked if they asked for proof like signatures, identification or anything else and they said " no ''. How is that an investigation??? Of course whoever they call will give them my name, social, DOB because that's what they need to report it!!! 

These items are so-called medical, which I think I would remember getting medical attention. Obviously it's not mine and XXXX is refusing to investigate properly and make sure the information they are providing to people is accurate. Clearly this is in violation of my rights. 

And clearly these are creditors that are preying on people trying to get them to pay and hold their credit ransom. When I call them they refuse to show proof too. I will reporting them separately. 

They refuse to investigate because these people are paying for their services. 

Here are the 3 accounts in dispute : Acct # XXXX Collection Agency : XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX  Amount : {$2300.00} Acct # XXXX Collection Agency : XXXXXXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Amount : {$860.00} Acct # XXXX Collection Agency : PROGRESSIVE MGMT SYSTEM Original Creditor : XXXX XXXX XXXX XXXX Amount : {$1800.00}
Product: Credit reporting or other personal consumer reports

After taking a close look at my credit report, I realized I have a fraudulent inquiry that has been reporting to my credit report since XX/XX/2024. Someone used my personal information to apply for a XXXX XXXX XXXX credit card in my name. Reporting a fraudulent inquiry to my credit report is a violation of the fair credit reporting act and a violation of 15 USC 1681b. With that being stated, this fraudulent inquiry being reported to my credit profile has no permissible purpose and must be removed immediately. I made sure to attach evidence.
Product: Debt collection

Portfolio Recovery Associates Account : ending in XXXX for {$480.00}. In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 an account without my written instructions In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C. I am not liable for this debt with Portfolio Recovery Associates and do not have a contract with Portfolio Recovery Associates They did not provide me with the original contract/application as I requested. This company has affected my lively hood with this derogatory reporting and has caused a hardship on my personal and professional life. I have submitted several disputes and Portfolio Recovery Associates continues to report negative information on my credit report.
Product: Money transfer, virtual currency, or money service

I transfer XXXX USD to my account on XXXX but I put the wrong account number. Since they didn't deposited the amount yet I want to change the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report from all three bureaus XXXX, XXXX and Experian. I noticed that the report has credit inquires that I did not authorize. I am new to my credit journey and these inquires are affecting my score negatively. One inquiry from XXXX XXXX XXXX  XXXX made on XX/XX/2022. This was a pre approval I followed via email from the company and my credit was hard pulled. Another made with XXXX XXXX via website on XX/XX/2022, I followed their pre approval application and later was followed up with a phone call to come in and look at vehicle only to find out that my credit was already pulled before even arriving. I notified them of this as I am only looking around but told me it is out of their control. XXXX XXXX also hard pulled my account and even have an inaccuracy on my street address based on my report. I request you to investigate and remove the inquires as soon as possible as I will be applying for a secured pledge loan soon to build credit. Thank you
Product: Debt collection

Chase Bank received an order to cease and desist for two accounts they alleged were mine, the letter also requested for the name and address of the original creditor pursuant to FDCPA. Chase bank confirmed receipt of my cease and desist order on XX/XX/XXXX, where they stated they stop contacting me. Chase Bank also provided a false and misleading document as verification, stating that the past three billing statements sent to me separately will confirm my account. 

FDCPA states that when you request the name and address of the original creditor, that they must cease collection of the debt until they obtain verification or a copy of a judgement. I affirm I have not received any proper verification or a copy of a judgement stating that I owe Chase Bank the alleged debts. Additionally, Communication by definition in the FDCPA 'means the conveying of information regarding a debt directly or indirectly to any person through any medium. ' Chase Bank has continued for the past 12 months to communicate with several credit bureaus information which failed to be verified. Chase Bank is ruining my credit score, and hurting my reputation and ultimately limiting my ability to engage in commerce and provide for myself and children. 

To make matters worse, Chase Bank closed my account and I received notice XX/XX/2020. Chase Bank is engaging in discrimination. I exercised my right given to me under Title 15 Chapter 41 as a consumer, to request verification and the name and address of the original creditor. Instead of following the Federal laws, Chase Bank discriminated against me and took an adverse action against by closing my account. 

Chase Bank failed to verify the debt, they continue to report false information, are discriminating against me and harassing me through third part debt collectors.

Chase Bank also has sent me several emails relating to my consumer report. effectively violating the cease and desist order again. Since they processed the order on XX/XX/2020, I have received over 15 emails from Chase. I have also received over 10 " Billing statement '' attempting to collect a debt.

I have kept a record of the several Federal violations, fraud and criminal activity Chase Bank is engaging in. I am prepared to sue Chase Bank for their continued efforts to extort, rob, harass and oppress me. However, I would like to handle this matter in good faith and hope that Chase Bank will too.
Product: Credit card

The Matter has been put forward to Capitol One which is NOT addressing the CURRENT 80 % Interest rate on a {$3000.00} loan which will take XXXX  years to pay for which Capitol One has Targeted an elderly XXXX Senior Citizen of XXXX American Decent who is being targeted with extreme interest rate and petitory lending. 

Capitol One has yet to address the fact the when the requested payment is made the card holder is ONLY being compensated 20 % in principle and XXXX  % interest. 

The Customer request Capitol One Quick silver XXXX apply the claimed interest rate of 25 % - 30 % NOT THE CURRENT 80 %. 

There are NO CONCERNS with the card holders other accounts which ARE in compliance with acceptable interest rates.
Product: Debt collection

I was sent a letter by a collection company on XX/XX/24. 

I responded on XX/XX/24 requesting full validation of debt and proof that this company has the right to collect on this alleged debt ( see attached letter that was sent to debt collection company ) The company responded by sending a credit card statement. 
Nothing of which was I requested or proof that i am the owner of this debt. 

I have never done business with this company so it is impossible and illegal for them to have any personal information. 

I would also like to point out this negative remark was on my credit report before i received the letter on XX/XX/
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I made a {$22.00} purchase at XXXX XXXX in XXXX, NJ. A {$100.00} hold was put on the card at the pump, but was not removed. Instead it went through, but I did not purchase {$100.00} of gasoline. I filed a dispute for the {$100.00}, but Citi claimed that because I was present when the card was used and I did not report my card as lost or stolen that the charge was valid and returned it to my card. I did not spend that amount on gas, and I never have. I want Citi to stick by their promise of 0 % fraud liability. This practice is allowing theft with Citi as an accomplice.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies in my personal information and request corrections and updates to my credit report pursuant to Section 611 of the Fair Credit Reporting Act ( FCRA ). After reviewing my report dated XX/XX/scrub> 2024, I identified the following discrepancies : XXXX. Name The report incorrectly lists an alternate name that I do not use : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My name is XXXX XXXX and I am making an formal complaint against Rocket Mortgage and XXXX XXXX. This formal complaint against XXXX XXXX of Rocket Mortgage. I have been with Rocket Mortgage for 2 years now and my point of contact was XXXX. 
However, every since Rocket Mortgage appointed XXXX to me it's been issues. From his uppity attitude towards women to his ghosting behavior ; he has been just worst. Rocket Mortgage just allow this occurred as well.In addition, he misrepresent the fact that he could he help me with my home equity loan and send out an ratchet appraiser to my home. 
Then after receiving an email that everything was paid off on XX/XX/XXXX. Then decided his team wasn't going to even though an cash out of my own home equity. I want the equity to my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called to XXXX  XXXX made a payment in full prior to the XXXX statement closing and my balance has not been update nor reflecting a XXXX  balance even after payment has been made and cleared the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX ; Balance- {$5200.00} ( This was opened fraudulently while I was in college. It comes off in XX/XX/XXXX but Im asking for this fraud account to be deleted now. Ive been living with for almost 7 years. ) XXXX XXXX XXXX XXXX XX/XX/XXXX ; Balance- {$370.00} XXXX  XXXX XXXX XXXX XX/XX/XXXX ; Balance- {$390.00} Fair Collections and Out XX/XX/XXXX ; Balance- {$3400.00} XXXX XXXX XXXX {$350.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, I do not live at this address and i do not have a business at this address. According to the fair credit act 15 U.S. Code 6802 ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, 15 U.S. Code 6802 ( b ) ( 1 ) In general-A financial institution may not disclose nonpublic personal information to a nonaffiliated third party Also15 U.S. Code 6802 ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; I never received any notification saying that my information would be shared and who verified it?

These are clear violations of my federally protected consumer rights.
Product: Checking or savings account

On XX/XX/XXXX, I went to make a deposit in my Citizens Bank account. The teller told me I had 4 overdraft charges after my car insurance came out. My account was short {$1.00} to cover the total of the insurance. When I checked my transactions on my online banking, I had an overdraft charge the next day for {$35.00} and then {$30.00} every three days after for a total of {$90.00} in sustained overdraft fees plus the {$35.00} initial. I called the bank to ask to be reimbursed because I received no notification my account was overdrawn nor was I aware that there was a sustained overdraft fee. I was denied being reimbursed after speaking with 2 managers. I did a quick search and discovered that a class action lawsuit was filed in 2017 regarding the sustained overdraft fee and the court ruled that it was in violation of the National Bank Act. I can't believe the company is still doing this after this lawsuit and no body cared.
Product: Debt collection

In XXXX of XXXX, I received a bill from XXXX or XXXX XXXX XXXX XXXX. It was for an emergency room visit in XX/XX/XXXX of {$1800.00}. I began to make payments in XXXX of XXXX. I worked out a payment plan of {$75.00} a month. I made four payments totaling {$300.00} from XXXX to XXXX. I found out that I was covered during the period of XX/XX/XXXX. It was suggested to get an eligibility letter for the period I was covered. I faxed in the eligibility letter and they said my bill was satisfied. I called on XX/XX/XXXX and they said, they were not sure when the refund would go out. Called XX/XX/XXXX at XXXX. They said, they had submitted the refund on XX/XX/XXXX and told them I had not received it and they said they would resubmit the check and I should call back in the early part of XXXX. I called back on XX/XX/XXXX and this time they said it would take thirty days and to call back in XXXX. I didnt receive the check and, so I called on XX/XX/XXXX at XXXX. They said they had mailed it out, and the check number was XXXX. I told them I didnt receive it and they said to call back tomorrow and that a supervisor would look into the checks whereabouts. I called XX/XX/XXXX, they said it was mailed on XX/XX/XXXX. I called XX/XX/XXXX and I asked for a supervisor. I spoke with supervisor and she apologized for all of the confusion and she said she would find out what was going on with the check and would XXXX the check to me. I received the check, which happened to be check number XXXX and I deposited into my bank on XX/XX/XXXX. It was returned on XX/XX/XXXX. Not only was the check returned I now I have a return check fee. The bank enclosed a copy of the check and stated that the item was returned by said financial institution for the following reason : Refer to Maker. I wanted to wait to call about the returned check until I spoke with someone from this department.
Product: Credit reporting or other personal consumer reports

I have not Supplied Proof Under The doctrine of estoppel by the silencXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX XXXX XXXX. {$9600.00}, XXXX XXXX XX/XX/year>, Masseys XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

If I have a block against anyone accessing my records why are you allowing them to do so. What is the purpose of the block which is outlined in the fair Credit reporting act if you choose who can access my records without me. You allowed companys to access my records and then are holding my accountable for them accessing it. This is unscrupulous ; you may as well just post my information for the world to see. You have a responsibility to protect my information for which you have failed to do so and now you are trying to side step your responsibilities and push it off on someone else. I have no choice but to allow you to monitor and protect my information the least you can do is be competent and do your job.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( XXXX XXXXXXXX XXXX XXXXXXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"
Product: Checking or savings account

Someone asked me can they send me money with XXXX so that I can send it on XXXX XXXX and I did it not thinking much of it and then a month later the XXXX funds were taking from my account leaving my account to be - {$980.00}. I was not aware of this XXXX scam and my bank is doing nothing to help me. I have capital one bank. I tried multiple times to request a refund and the person did nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Recently my credit was score with Equifax was reduced by a significant amount this month. I called Equifax to see why this happened and they could not explain why. They said I had nothing on my credit report that would reduce my credit score, such as no negative impacts or anything outstanding. I asked for an explanation then to why this happened for " no reason '' and how that could possibly be legal to just reduce my score and he had no answer. His response what that I could file a dispute but there was nothing to dispute since there was nothing negatively impacting my credit. Then he said to get a credit counselor and maybe they could help. So basically my credit score went down for no apparent reason and no justification.
Product: Debt or credit management

This was all paid off many years ago through federal taxes returns. This debt is not legitimate.
Product: Vehicle loan or lease

I bought a new XXXX XXXX XXXX from XXXX XXXX dealership FL. When I bought the vehicle I traded in XXXX  XXXX XXXX. Within one month after buying the vehicle, the car had a dangerous brake failure while driving. I brought the vehicle back to the dealership and requested to take the car back. I requested to return back my trade in value vehicle or equivalent. My request was verbally denied. I understand that brake failures can happen but it was a new vehicle with less than 1500  miles. The remedy I am requesting is to cancel the contract without any negative impact on my credit standing with full recovery of the trade in value amount. 
Regards, XXXX XXXX
Product: Mortgage

In  XXXX  of last year we were offered a " strea m Line  '' loan modification of our mortgage ; we had gotten behind on some of our payments because of some health issues my wife and daughter were having. They originally told us this would lower our monthly payment and would keep us from falling further behind. The agreement was we would pay {$890.00} fo r Three m onths then the loan modification would go though with our new payment. That would mean at the beginning of this year we should of had our new payment and been on a regular Mortgage. Unfortunately this has not been the case. I have had to call in my payments for the last 7 months which have caused me to inadvertently miss a payment . Ditech the  loan company has given me the run around for the last 5 months saying paperwork is on its way, or underwriting is behind or it was already mailed out. now the latest is well you missed a payment in   XXXX   so now we do n't know if you will get the modification, after we had been told for months the paperwork is already processed. I am so frustrated, the rep. even told me to just sell my house, I honestly do n't understand why they are treating us like this. We just want our modification done so it reflects right on our payments and then we can clean up our credit. I also wanted to mention that they sent a rep to our house at about  XXXX  at night while I was at work, when I confronted them about it they said it was n't them but it was   XXXX   XXXX   just checking to see if anyone was still living there, when would another lending company do that? so much miss representation.