23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I write to you with a deep sense of concern and disappointment regarding an inquiry on my credit report, originating from XXXX XX/XX/2023. It has come to my attention that this inquiry not only stands as an unjustifiable blemish on my credit history but also a direct infringement of the provisions outlined in the Fair Credit Reporting Act ( FCRA ). I believe you are aware of the FCRA and its importance in ensuring the accuracy and fairness of credit reporting. It is evident that in this case, you have disregarded the very tenets set forth by this legislation, including but not limited to sections 15 USC 1681 and 15 USC 1681a. 

Allow me to remind you that the FCRA explicitly defines what constitutes a consumer report and further outlines exclusions from this definition. Inquiries, such as the one from XXXX XX/XX/2023, fall within the purview of exclusions from a consumer report as per the stipulations in 15 USC 1681a . It is abundantly clear that you have overlooked this vital aspect of the law, leading to the inclusion of an unauthorized inquiry in my consumer report. 

Your actions have not only caused undue distress but have also placed me in an unfavorable financial position. This is an issue I take incredibly seriously, as the FCRA is in place precisely to prevent such situations. Your oversight has left me with no choice but to address this matter with the urgency it deserves. 

I hereby demand that you promptly and unconditionally DELETE the inquiry from XXXX XX/XX/2023, from my consumer report. This request is not just based on my dissatisfaction but on your non-compliance with the FCRA, a law that was established to safeguard the rights of consumers like me. 

I expect to receive written confirmation of the inquiry 's removal within 10 days from the date of this letter. Failure to comply will leave me with no alternative but to escalate this matter to appropriate regulatory authorities and legal representatives specializing in consumer rights and FCRA violations. I am prepared to exercise my rights and pursue necessary actions to rectify this situation.
Product: Student loan

I am a victim of identity theft. I have disputed this account multiple times and requested verification of debt but this company refuses to respond with any information regarding this account. This account does not belong to me and I want it deleted immediately.
Product: Prepaid card

I received XXXX American Express XXXX XXXX on XXXX XXXX for separately the amounts of {$1000.00} and {$750.00}. Each XXXX XXXX has a Valid Thru date of XX/XX/XXXX. 

On XX/XX/XXXX I realized that I still had {$140.00} remaining funds on the XXXX XXXX ending in XXXX, and {$350.00} remaining funds on the XXXX XXXX ending in XXXX. On XXXX I noticed that my balance for both cards was XXXX and that the remaining balances as noted above were debited as " XXXX '' in the transaction ledger through the below portal. On XXXX I called the American Express XXXX XXXX Customer Service hotline because my cardholder statement on the back of my e-gift card ( attachments included ) states that " Gift Cards with a valid-thru date do not expire '' and that I can simply request a new one if the valid-thru date has passed. 

During this call on XXXX I requested that I receive a new XXXX card with my remaining funds in the above balance. I was told I was not able to receive my funds because they had expired, even despite the statement on the American Express XXXX XXXX indicating otherwise. 

On XXXX I called American Express customer service again, and was met with combativeness, defensiveness, and was even hung up on when I argued that I was entitled to my remaining balance on these gift cards. The customer service representative even went so far to give me a false number to NY XXXX XXXX XXXX XXXX XXXX, lying to me that this was their complaint number at American Express. 

I have attached my consumer view of my eGift card number, balance, and the terms that explicitly state that " eGift Card Funds DO NOT Expire '' through https : //balance.amexgiftcard.com.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and noticed Amsher Collection Service on my credit report. I immediately sent them a debt validation letter that was mailed on XX/XX/2021 asking for What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : On XX/XX/2021, according to USPS tracking, Amsher received my debt validation letter. It is now XX/XX/2021 and Amsher has not validated the debt nor has sent me any response. This collection company has violated the FDCPA
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries listed in my report were inaccurate.I requested that they investigate these and analyze my files by sending letters to all three credit bureaus. The reality that these inquiries continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below : 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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I returned a leased vehicle 2 months early with full payment for those 2 months. I was not informed that there would be an early termination fee ( which I feel shouldn't apply. since, I was not so much terminating the lease as I was completing payment obligation ). In any case, I agreed on a settlement amount ( 1/2 of fee ) and paid as requested on time. since that my credit was reported as delinquent and reduced to " bad ''. I called them and they agreed that it was an oversight of theirs that they would correct. My credit did improve after that with 2 of 3 agency 's that I monitored using XXXX XXXX as an indication. However, I was just informed by my bank while trying to apply for a refinance of a loan that XXXX still shows me as delinquent. It has been nearly 1 year since this started and I feel I have been hurt financially repeatedly over months for their inaccurate reporting. And the fact that they were informed months ago and still have not corrected, leaves me feeling bullied. I hope you can help in this matter. I can not afford this. 
XXXX XXXX ( XXXX ) XXXX
Product: Debt or credit management

National Credit Systems sent a debt collection letter for a joint debt that me and my daughter had XX/XX/XXXX. XXXX XXXX at XXXXXXXX XXXX my daughter and I contacted National Credit Systems to settle a debt. We spoke with XXXX XXXX who we settled the debt with. We settled for {$1300.00} at which we used two credit cards to pay, {$750.00} on XXXX card and {$600.00} on the other one. XXXX advised us we would receive a receipt by email and this listing would be removed from our credit reports. He advised us to check National Credit System online portal on the next day which would have been Saturday and the balance would update and we would receive a receipt. The first thing we noticed on Saturday when we checked the portal is that only the {$750.00} payment is showing and not the payment of {$600.00} and no where was we able to locate a receipt or a letter showing the debt satisfied. We contacted National Credit Systems back on Monday XX/XX/XXXX around XXXXXXXX XXXX and we advised XXXX that we wasnt able to locate a receipt, the letter that would state we paid and a pay for delete letter. XXXX seems to get aggravated with us because we was asking questions trying to get the documents he promised to us before we made a payment. And also something seems very fraudulent about the entire transaction. The online portal only reflects the {$750.00} payment and not the {$600.00} payment. Once we started to ask questions XXXX puts us on hold and said his manager was typing up a letter that shows the debts not paid in full but satisfied. After we hung the call up, we received a phone call back from XXXX and he stated he was trying to collect a debt??? We stated to him we just settled a debt so how u calling back as if we didnt just settle for XXXX. That was very unsettling because wouldnt there be account notes that would show we just settled. Something about the entire transaction just seems fraudulent. We have the phone call recorded for our protection because money is involved. National Credit Systems updated our credit report and the listing done reflect what he told us it would or not even removed. It says we owe {$1600.00} from {$2300.00}. We paid XXXX so what happen to the other payment of {$600.00}? Something seems very fraudulent about their collection practices and we want this removed from our credit and the correct documentation as we were told we would receive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Debt collection

I was sent a letter from Capio Partners LLC regarding a debt from a hospital bill from XXXX, but I have never received any sort of bill previously from the original debt holder, I don't know how to respond or what to do but I don't want this XXXX Offer amount to effect my credit negatively.
Product: Credit card or prepaid card

The company responded to the CFPB ( Consumer Financial Protection Bureau ) through complaint number XXXX with a letter dated XX/XX/, 2019, after the long scripted letter, they claim to have identified an " isolated process issue ''. It is claimed that they credited the closed account the {$2.00} overcharge mistake in which they made. Three days later this never happened. In fact, it is unbelievable that someone has to jump through so many hoops to have this shady company fix a rather minor issue. I invite the CFPB to do an audit, as I am most sure that I am not the only individual that this happens to, obviously, this shady company is banking on the notion that customers won't take the time or effort to fix the errors in which they make.
Product: Vehicle loan or lease

I have filed a complaint with Tennessee  XXXX   XXXX   XXXX . I plan to file with the BBB and a law suit to follow. I believe this company has set up there computer programs to charge customers late fees, regardless if that payment is late or not. I have a ledger uploaded with more than {$3000.00} in late fees. Some examples are as followed ; On  XXXX / XXXX / XXXX  a partial payment was missed.  XXXX / XXXX / XXXX  a payment was made. On  XXXX / XXXX / XXXX  a non sufficient fund charge of {$96.00} was charged  (  for the  XXXX / XXXX / XXXX  payment ). on  XXXX / XXXX / XXXX  another payment was made. Auto Masters then charged a late fee to every payment made after that non sufficient fund charge, ever made for the next  XXXX  yrs. Payments that were made on time, where charged a late fee.  XXXX   XXXX  on  XXXX / XXXX / XXXX  stated, they over charged us by {$30.00} and offered to credit and defer the balance by adding it to the end of the loan. Auto Masters has charged over  XXXX  payments a late charge indiscriminately. Around {$3000.00}. After that initial missed partial payment. Extra payment were made noticeable  XXXX / XXXX / XXXX  {$400.00},  XXXX / XXXX / XXXX  {$200.00},  XXXX / XXXX / XXXX  {$230.00}.  XXXX / XXXX / XXXX  {$200.00},  XXXX / XXXX / XXXX  {$200.00},  XXXX / XXXX / XXXX  {$200.00},  XXXX / XXXX / XXXX  {$200.00},  XXXX / XXXX / XXXX  {$180.00},  XXXX / XXXX / XXXX  {$200.00}. No matter how much we missed, or over paid, every payment was given a {$30.00} late fee. If we were short {$5.00} on a payment, they charge a {$30.00} late fee. If we paid a extra {$200.00} that month, they charged that payment {$30.00} late fee. I even mentioned a issue with the car, where we were promised a reimbursement of gas. During this process of complaining about the late fees, Auto Masters reimbursed us for the gas. It appears they took a late fee of {$30.00} out of the reimbursement on  XXXX / XXXX / XXXX . As of  XXXX / XXXX / XXXX  I began making the car payments, there was a miscommunication with my roommate. She told me car payments were {$230.00} due the  XXXX  and the  XXXX . I have been paying over the amount due, yet none of it went to the principal. They stole the extra money by indiscriminating charging late fees to every payment made. This horrendous action has continued for  XXXX  years of the loan. I believe if investigated, the company will be exposed for taking ten of thousands unjustly from the customers. They are taking from the community, a community of military, veterans and their dependents. Customers who are struggling financially or credit wise or both. The way they administer their fees is predatory and should result in a audit of their fee practices.
Product: Mortgage

I filed for XXXX  XXXX Bankruptcy in XX/XX/XXXX. All payments were made and I received a discharge in XX/XX/XXXX. I believe that during my bankruptcy several of my payments were misapplied by Nationstar/Mr. Cooper, resulting in what appears to be a delinquency. In XX/XX/XXXX, I lost my job and was unemployed for a short period before getting a new job and then becoming underemployed. I was able to catch up on payments missed during that time in early XXXX while also making my current payments and have shown proof of payments to both my attorney and to Nationstar. They also have a record of all my payments, however they are claiming that my payments have been applied to previous missed payments. 

All pre-petition arrears were satisfied through my trustee payments. All post-petition arrears have been paid, with the exception of a {$550.00} fee that was imposed due to more legal issues. 

In their Response to final cure, they are alleging that payments from XXXX to XXXX were missed, even though the have those payments listed in my payment history. When I asked for information regarding their supposed arrears, they then sent information stating that payments from XXXX to XXXX were missing, even though those too, are listed on my payment history. I have not missed any payments and all arrears were cured in early XXXX. None of the monthly statements I received up until XXXX, showed any post-petition arrears. They suddenly showed up once I was set to receive my discharge. 

It has come to my attention, that Nationstar/Mr. Cooper has had several prior instances of the same issues, misapplying payments and forcing clients into foreclosure. I believe this warrants further investigation.
Product: Credit card or prepaid card

My Capital One card had a balance of {$1200.00} due on XXXX paid full amount XXXX, just received new bill for interest {$15.00} The Cap. card was my old Wallmart card ending inXXXX. I have never been charged interest when paying in full? Fell Capital One are crooks XXXX XXXX XXXX Thanking You in Advance
Product: Debt collection

I keep receiving letters from a collection company called Fidelity Creditor Service that I is not mine. Their mailing address is : XXXX XXXX XXXX, XXXX, CA XXXX, amount of bill is {$490.00}, account number is XXXX. 

I have asked them to provide an evidence that is bill is mine but the have not done so. I would like to assure this bill which does not belong to me, does not show on my credit report. 

Best regards, XXXX XXXX XXXX
Product: Debt collection

If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.
Product: Debt collection

XXXX XXXX XXXX XXXX XX/XX/year>. Original creditor : XXXX XXXX XXXX  XXXX : {$640.00}. This is not my dept and I never have this credit card. I'm Identity theft victim, some one used my SSN number for registering account.
Product: Credit reporting or other personal consumer reports

I am writing in response to CFPB Complaints XXXX and XXXX filed against XXXX XXXX and XXXX. I am demanding the immediate deletion of this account or the prompt correction of the original date of delinquency to reflect XX/XX/XXXX. 

On XX/XX/XXXX, XXXX XXXX and XXXX claimed that they addressed the complaints by processing AUD # XXXX on XX/XX/XXXX, to mark the account as paid in full with the correct dates and account details. However, this statement is unequivocally false. Their actions on XX/XX/XXXX, led to the re-aging of the account, now showing as a new collection on my credit reports as of XX/XX/XXXX. As a result, my credit reports now indicate a 90-day late payment as of XX/XX/XXXX, causing a XXXX decrease in my credit scores. To date, my credit reports remain inaccurate as of XX/XX/XXXX. 

I have attached copies of my credit report as of XX/XX/XXXX, before XXXX XXXX and XXXX claimed to have addressed the complaints by processing AUD # XXXX on XX/XX/XXXX, to mark the account as paid in full with the correct dates and account details. I have also included my credit report as of XX/XX/XXXX, following the supposed corrections. Please note the differences between the XXXX reports. It is evident that there is no indication whatsoever that XXXX XXXX and XXXX have made the necessary corrections to update this account to the original delinquency date of XX/XX/XXXX. 

In addition, despite my repeated attempts, I have not received the requested copies of my statements prior to XX/XX/XXXX from XXXX and XXXX XXXX via XXXX and XXXX, or by phone. 

I implore the CFPB to take action against XXXX XXXX  and XXXX for their deceptive practices, misrepresentation of facts, and ongoing violations of federal regulations such as the FCRA and TILA. It is imperative that they are held accountable for their actions and prevented from further engaging in deceptive trade practices.
Product: Credit card

I was told if I open a US Bank credit card and kept it in good standing I would receive a {$100.00} credit. I have not received my credit and after repeated calls I still do n't have my credit. I have kept my end of the deal but US Bank has not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ask the credit bureau to do a thoroughly verification of everything on my credit report they did and state everything was accurate. I then did a thoroughly look over it myself to find there were some improperly accurate on my credit report even after they did thoroughly verification and research. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MD XXXX XXXX, Collections, Account Number or Identifier XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX In accordance with the fair credit reporting act XXXX  these accounts XXXX XXXX, XXXX XXXX, and XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. status I have right to privacy.

15 U.S.C 1681 section 604 A section 2it also states a consumer reporting agency can not furnish my account without my written instructions.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Experian credit reporting agency, block information appearing on my credit report that is the result of Identity theft, Experian data Breach, and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of the following accounts XXXX XXXX XXXX XXXX XXXXXXXX : Account number : XXXX, XXXX XXXX : Account number : XXXX, XXXX XXXX : Account number : XXXX, XXXX | XX/XX/XXXX, XXXX : Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAINED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, EXPERIAN DATA BREACH AND FRAUD. ATTACHED TO THIS IS A COPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is XXXXXXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.