23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Jefferson Capital , LLC has sent me a letter for debt collection that is not mine in the amount of XXXX for " XXXX Business Card ''. I nd ont have any business card with XXXX, nor have I ever received any communications before this letter stating I owed any amount. 
On XXXX I asked for documentation via letter to prove this change and I have not received any information from them On XX/XX/18 I noticed the debt collection hit my credit report on XXXX. I sent another letter to Jefferson Capital to remove this collection from my credit via letter.
Product: Credit reporting or other personal consumer reports

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

Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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

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

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

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its cruci
Product: Checking or savings account

I zeroed my checking and savings accounts before I called PNC to close them. Instead of closing the accounts, they changed the product to a different checking and savings account which I can see in my online account. I have contacted PNC twice since the last week, but my accounts are still open to this day.
Product: Mortgage

I applied with TexasLending for a hone equity loan. Speaking with their rep I questioned the high appraisal costs and was told I could select an appraiser which I did. I was told the loan was approved and in process. Today I was informed that the loan was denied because I had the appraisal done and not them. This has cost me the appraisal cost, time, and possibly damaged my credit due to being turned down for a loan. 
As a senior citizen ( or any citizen ) I think this is unfair practice to say the least. 
i think if TexasLending needs their appraiser to do the appraisal they should pay for it and proceed with the loan I qualified for.
Product: Checking or savings account

On the XXXX of XX/XX/XXXX while traveling for XXXX I stooped and got fuel @ XXXX and went to check into XXXX  at XXXX and card was declined. After calling the bank on the XXXX I was not able to get USAA to tell me anything about why my card was being declined. XX/XX/XXXX I received notification that USAA was exercising its right to discontinue business. Could not tell me more about or why. XXXX miles from home with every XXXX  to my name was in the bank me and wife and XXXX kids had to sleep in vehicle because USAA wouldn't allow access to any funds. XX/XX/XXXX, XXXX spent hours on the phone with usaa trying to a reason or explanation of what cause and why this happened. No answer. On XXXX XXXX I contacted usaa again, spent hours on the phone being transferred in circles trying to get answers I was told account was going to be placed in credit only status and I was told I would not have access to my funds for XXXX from XXXX XXXX. XXXX XX/XX/XXXX and I am being told I can not access my funds and I can not close my account that all my money would be returned in XXXX. XXXX  years as a customer with USAA. I have all my insurance and everything with them and now they have taken away all my account access and account history.
Product: Checking or savings account

Extremely UNETHICAL practices by Bank of America associates.

I went for safe box access and and the bank staff gave me a pitch for changing my bank account types for getting more interest. I inquired multiples times for any extra fees/ monthly maintenance and nothing was disclosed!

Now, today I saw an alert for my balance falling below a threshold limit despite having no transactions/activity done in last 8 months or so. I check my online account closely and a monthly maintenance fee is silently deducted from all 3 accounts from last 4 months. I had one savings account from last 11 years and never had to pay any kind of unnecessary fee despite a low balance.

I called phone rep and asked for all the refunds as these fees were never disclosed despite asking to the bank staff. The associate only refunded XXXX $ of XXXX $ fee deducted and closed all my 3 accounts saying he can not go back more than 2 months!
Product: Debt collection

To make this short and concise, I will describe the situation. 

Enhanced Recovery put an XXXX collection on my credit report a few months ago. I have attempted to dispute this account with the XXXX credit bureaus because I have had uninterrupted service with XXXX XXXX XXXX for 15 years now. The credit bureaus claimed that this account was verified as legitimate by Enhanced Recovery. 

After calling Enhanced Recovery, a representative named XXXX XXXX could n't say what the debt was for and could n't provide me with details of the charges but instead kept telling me to go talk to XXXX XXXX XXXX about this debt. When asked to speak to his supervisor, the line was put on hold and eventually hung up. They were called immediately back and I finally spoke with a supervisor. 

The Supervisor claimed that it was for a landline phone that was connected from XX/XX/XXXX to XX/XX/XXXX he claimed that bills were sent to me with no response but he gave me an address I have n't lived in for many years. When the supervisor was asked why XXXX XXXX XXXX had never sent me a bill or contacted me about this debt he could n't answer. When asked why his company had n't contacted me either he still could n't answer. Finally, when I asked why his representative XXXX XXXX could n't say what this debt was about and why I was being told to get any relevant information from XXXX XXXX XXXX themselves but now the supervisor himself supposedly had the information to give me the supervisor could n't give me a response either. 

This debt is not mine and I do not owe XXXX anything. I have had service with them for 15 years and if I truly owed them anything they would have notified me. After all, they do have my current phone number and address. This debt is invalid and I believe Enhanced Recovery is trying to collect this debt fraudulently. They already " verified '' it with the credit bureaus when they know full well they ca n't. 

This account is literally the only account preventing me from buying a house and if Enhanced Recovery does n't quit it 's illegal collection tactics I will be forced to sue. Houses are n't getting any cheaper and I am not getting any younger.
Product: Credit reporting or other personal consumer reports

I checked my credit report this morning and was saddened with what came up. Inaccurate accounts are showing up! I don't know why so please check the documents that I've sent in regards to these.
Product: Checking or savings account

After receiving a promotional code for opening a First Tennessee checking account, I opened an account with the code online on XX/XX/XXXX. The promotion code was XXXX and it stated that I would receive a {$200.00} bonus after " ... an opening deposit of at least {$100.00}, and at least one direct deposit must post to your account within 60 days of account opening. '' I opened the account with an initial {$300.00} deposit, and I had 2 direct deposits of {$500.00} each from my employer post within the given time frame on XX/XX/XXXX and XX/XX/XXXX. I am in a state targeted by this promotional code ( GA ), and I have never opened or attempted to open any account with First Tennessee before. Even though I met all of the requirements, I did not receive the advertised bonus. I sent a secure message on XX/XX/XXXX to First Tennessee in order to inquire as to why I had not received the bonus. I received a reply on XX/XX/XXXX that incorrectly stated that the offer I applied for " was not a valid offer for your area ''. The terms clearly state that the offer is valid for the following states : AR, GA, MS , NC, TN, or VA. I reside and opened the account in GA, so I in the targeted region.
Product: Bank account or service

On XXXX/XXXX/2016 I was charged XXXX XXXX $ overdraft fees totaling XXXX $ for charges to my TD checking account. My available balance was XXXX $ and I had a XXXX $ pending charge in my account, which I had time to make a deposit to cover the extra XXXX $ which I did at XXXX on XXXX. I was unfairly charged XXXX $ for charges that were in fact covered because I had the available money in my account to cover them ( XXXX, XXXX & XXXX ) and after my balance was XXXX. TD bank has charged me 5 times the amount that my account was overdrawn for and I think its absolutely absurd! These banks are getting away with charging its customers for fees that are not right and its very upsetting. I am closing my account with TD bank and I will tell everyone I know not to ever bank with them, because they are crooks!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, my rights have been violated. 15 use 1681 section 602 a : I have the right to privacy 15 use 1681 section 604 a section 2 : A consumer credit reporting agency can not furnish my account without my written instruction XX/XX/XXXX {$140.00} XXXX XXXX  XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XX/XX/XXXX {$2300.00} XXXX department of education XX/XX/XXXX {$4000.00} XXXX XX/XX/XXXX {$2600.00} department of education XXXX XX/XX/XXXX {$4700.00} department of education XXXX XX/XX/XXXX {$3100.00} department of education XXXX XX/XX/XXXX {$3900.00} department of education XXXX XX/XX/XXXX {$4800.00} department of education XXXX XX/XX/XXXX {$8400.00} department of education XXXX XX/XX/XXXX {$300.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$730.00} XXXX XXXX XX/XX/XXXX {$690.00} XXXX XX/XX/XXXX {$870.00} XXXX XXXX {$2300.00} {$2600.00} XXXX
Product: Debt collection

Astrat called my phone 5 times from XXXX XXXX XXXX and continues to call as I write this complaint. Each time they leave a pre-recorded voicemail identifying themselves as XXXX from ASTRAT
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. 
XXXX  Account # XXXX ( XXXX XXXX XXXX XXXX XXXX ) has violated my rights. 
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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX XX/XX/XXXX {$0.00} XXXXXX/XX/XXXXXX/XX/XXXX {$120.00} XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX {$0.00} XXXX XX/XX/XXXXXX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX  XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$2400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern XXXX  XXXX. XXXX XXXX XXXX, CA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX  XXXX. XXXX  XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : I HAVE NEVER LIVED AT THIS ADDRESS, PLEASE REMOVE THIS FRAUDULENT ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX XXXX, FL XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

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


I told Experian, XXXX, and XXXX to reinvestigate these accounts : 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 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under the following : 15 U.S.C. 1681 602 ( A ) I have the right to privacy 15 USC 1681 and 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.

15 U.S.C 1681 604 ( A ) ( 2 ) : It also states a consumer reporting agency can not furnish an account without my written instructions. I have no knowledge of these companies and they shouldn't be reporting as I never gave permission for the reporting per Section 1681 ( A ). In accordance with the Fair Credit Reporting Act, I hereby request the above listed accounts be removed from my credit report.

Any information that the creditor is unable to verify should be promptly eliminated. Kindly provide an updated copy of my credit report to the aforementioned address. According to the legislation, there should be no charge for this updated report. 

Delete these accounts immediately XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Student loan

I have XXXX loans serviced by MOHELA. I reached XXXX payments while working for a XXXX  for the XXXX XXXX XXXX XXXX XXXX  in XXXX of XXXX. From XXXX to XXXX of XXXX, I was placed into administrative forbearance by my servicer due to errors in calculating my required monthly payment under the XXXX plan. I was told at the time that these payments would count towards XXXX automatically. With this in mind I submitted my employment certification in XXXX, which shows that I have worked with the XXXX of XXXX from XX/XX/XXXX to XX/XX/XXXX. My payment count was updated, but now shows XXXX, XXXX, and XXXX as ineligible payments due to the administrative forbearance mentioned previously. Now I am being given the run-around from Mohela regarding when, or if, these payments will count.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts I mention below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

Account Name : XXXX XXXX XXXX XXXX : Account # XXXX, and Account Name : XXXX XXXX : Account # XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A. States that I have the right 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. 

15 U.S.C. 1681c. ( a ) no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. 

15 U.S.C. 1681s-2 ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors- States that 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. 

I've sent multiple notices and have opened multiple disputes.
Product: Credit card or prepaid card

I have contacted Capital One on several occasions advising this account is fraud. What make me know that this company does not care about consumers is the fact that I have emailed the Ceo 3 times and he has not responded. I have sent him 3 emails and I send another department an email as well stating that I have not had any relationships with this company. I tried to obtain there products and they stated I had previous accounts with them. I have advised them that I have never had a relationship with capital one and I have also provided them with an theft affidavit and again I have still been ignored. I have asked them to removed the fraudulent account and they are still reporting and ignoring me. I feel that they are not empathetic to the fact that I am a victim of identity theft and this is very time consuming or even acknowledge that there is a problem and I have never had any accounts with this company
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am afraid the XXXX credit reporting agencies have not been exercising their grave responsibilities that were given to them with fairness impartiality, and a respect for the consumers privacy. I did not give consent to these accounts, being shared on my credit report. Or have given any permissible purpose. It has come to my attention that, although I have written several letters, asking for validation of death auto trails I am not getting any response because of the automated system in which they have in place, which is a violation as well. I am demanding these accounts be removed immediately off my credit report as it is in violation to my privacy as a consumer, according to the federal constitutional law, 15, USC 1681.

15 USC 1691 15 USC 1601 15 USC 1692
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have identified the following hard inquiries that I do not recognize and believe were made without my consent : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries are negatively impacting my XXXX XXXX and overall creditworthiness.