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

These companies broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired XXXX, XXXX, and XXXX who are furnishing inaccurate and unverified information on my consumer report. Proof of inaccuracies is attached ( XXXX  ) ( XXXX  ) ( XXXX  ) ( XXXX  ) ( XXXX  ) ( XXXX ) ( XXXX  ) This is making me lose confidence in the banking system due to these violations. I the consumer does not grant XXXX, XXXX, or XXXX the permission to furnish these inaccurate reports I demand that they delete this account from my consumer report. in accordance with the fair credit reporting act convergent XXXX, XXXX, and XXXX has violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

A letter, dated XX/XX/XXXX, was sent to One Main disputing the account. This letter was received by One Main on XX/XX/XXXX, as evidenced by USPS Tracking number XXXX. On XX/XX/XXXX, I checked all three of my credit reports and the One Main was not shown as being disputed as required by FCRA 623 ( a ) ( 3 ). 

I sent a second letter to One Main advising One Main of their failure to show the account as disputed on my credit reports, a violation of FDCPA 807 ( 8 ), and asked that this account be removed from my credit reports. This letter was received by One Main on  XX/XX/XXXX as evidenced by USPS Tracking number XXXX. 

On XX/XX/XXXX, I received a letter from One Main, dated XX/XX/XXXX, stating that the account is now being reported as disputed, 49 ( forty-nine ) days after One Main 's receipt of my original letter.
Product: Checking or savings account

I have spoken with three representatives at chase bank about my concerns and all of them are on a different page. There is no exact answer as to why my account is negative and I disagree with being charged twice no representation being shown for It.
Product: Credit card

The card has higher than 6 % interest rate, which is what I am applying for to reimburse or lower my interest.
Product: Credit reporting or other personal consumer reports

I am writing to officially dispute a list of hard inquirys that is listed on my credit report. After reviewing my credit report obtained from your credit reporting agency, I discovered an list of inquiry 's that I did not authorize or recognize. I request an immediate investigation into this matter and ask for the removal of the hard inquirys from my credit profile. 
Details of the hard inquiry : I would like to highlight the following concerns regarding this hard inquiry : 1. Unauthorized Inquiry : I have not given consent to none of the companies listed below in the attachment or any other entity to perform a hard inquiry on my credit report. These unauthorized inquirys has been detrimental to my credit score and overall financial well-being. 
2. Lack of Information : I am unaware of the specific purpose for these inquirys. I have not engaged in any new credit applications, loan requests, or any other activities that require a hard inquiry during the stated time frame. 
XXXX. Possible Error : It is possible that this inquiry has been reported incorrectly, or there may potentially be an identity theft issue. I request a thorough investigation to verify the legitimacy of these inquirys. 
In accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to a prompt investigation of this disputed inquiry. 
Therefore, I kindly request that you initiate the investigation immediately and provide me with a written response within the legally mandated 30-day period. 
Please provide me with the following information upon completion of your investigation : XXXX. Confirmation of the legitimacy of the hard inquiry. 
2. The source of the inquiry.

3. Steps taken to rectify any errors or inaccuracies in my credit report.

4. Verification of the removal of the disputed hard inquiry from my credit profile.

5. Updated copy of my credit report reflecting the amendments made.

I understand the importance of maintaining accurate and up-to-date credit information. I respectfully request your urgent attention to this matter and appreciate your cooperation in resolving the dispute promptly. 
Enclosed with this letter are copies of relevant documents supporting my dispute. Should you require any further information or documentation from me, please do not hesitate to contact me using the information provided above. 
Thank you for your immediate attention to this matter. I look forward to receiving a satisfactory resolution to this dispute within the designated time frame. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am currently reviewing my Equifax Credit Report and there are addresses reporting on my credit report that are not mine. 
Below is a list of the addresses that I would like to have permanently deleted : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXX XXXXXXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$5800.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charged off XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Inquiry : XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX OH XXXX My personal information, SS XXXX XXXX XXXX. I was just made aware of a fraudulent loan that was taken out under my name and credentials without my knowledge or permission. I have never done any business with a XXXX XXXX XXXX XXXX # XXXX ( XXXX XXXX ). I am disputing this under the Federal Law FRCA 605b. I have  contacted the XXXX Police and the FTC and filed complaints.
Product: Mortgage

Our mortgage is with US Bank. A bank that has no local branches in our area. they encourage paperless billing to reduce waste and have a more protected transaction. Our payment is due on the XXXX of the month and late after the XXXX. Initially if you set up an online payment that was processed between the XXXX of the month and the XXXX they charged a {$3.00} bank service fee. Now they are charging {$5.00} for any online payment after the XXXX of the month. As far as I know, these fees were not made aware to us when we received our mortgage and is it proper for them to charge a fee to pay your bill online, when it actually saves them money to have me pay online?
Product: Credit reporting or other personal consumer reports

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and XXXX  stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.
Product: Credit reporting or other personal consumer reports

This is my fourth 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 alleged fraud or extortion 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, a hard credit inquiry was placed on my XXXX report by the referenced company RMS below. After researching this company, it appears to be an aggressive debt collection agency. My concern is how they got my personal info and most importantly, they have unlawfully ran a hard inquiry as I have not applied for any credit with them and was done without my consent or permission. I have never spoken to this company verbally or in writing. 


( XXXX ) XXXX ( XXXX ) XXXX RMS XXXX XXXX XXXX, XXXX, NY XXXX
Product: Debt collection

I was affected negatively by XXXX and I applied to receive rental assistance from the City of XXXX XXXX XXXX On and about XX/XX/year>, City ran out of funds. Moreover, I was affected by the natural disaster on XX/XX/year>. My apartment got water damage and mold as a result of flooding in XXXX XXXX. I filed insurance claim but got denied next day by XXXX XXXX stating that they do not cover flooding. I received help from FEMA and SBA. I have a XXXX XXXX job and I lost my source of income and earning capacity for about 2-3 months. I applied to receive rental assistance from XXXX XXXX and I was granted relief for the past-due rent. I have all the evidence and witness that will prove my statement is true. XXXX XXXX denied my rental assistance right by discriminating me against my national origin. They accepted all other tenants but they rejected my right to receive rental assistance. Denial of lawful source of income such as Section-8 and housing voucher is unlawful in XXXX XXXX XXXX Not only they violated my civil rights but they also violated local ordinance. If they had accepted my rental assistance, I would have NO balance for rent. They violated Fair Housing Act and evicted me when XXXX XXXX was going to pay the balance on behalf of me. I went through mental and financial suffering because of XXXX 's violation of my civil rights. I filed complaint with HUD against XXXX XXXX. I will be filing legal action against this company in few weeks. Therefore, I deny having any past-due balance for rent. They owe me for evicting me unlawfully and ruining my credit and my life.
Product: Debt collection

I attempted to close my online checking account with PNC Bank after withdrawing my funds early in 2021. PNC did not close the account and charged me for monthly service fees. Now Im being contacted by a debt collector to collect fees for an account I had zeroed out and closed. I contacted PNC via chat and phone and was told customer service can't do anything about it.
Product: Student loan

I was not notified by the company when my payment went from {$13.00} a month to {$170.00}. They did not inform me to why it skyrocketed $ XXXX+ a month. There is no way I can afford that and they never attempted to notify me to work something out. The company Navient has and will continue to take advantage of poor Americans. I do now understand how they can do this to someone without a letter or a phone call. This and other reasons are why they are facing multiple lawsuits. I am a hard-working American citizen and I do not deserve to be treated like this. Because I was not correctly notified about the extreme jump in payment I am now being told that I owe over {$340.00} when I had automatic payment set up for the {$20.00} a month that would cover the {$13.00} plus help pay down some interest. Thank XXXX they did not automatically take out the new and uninformed {$170.00} because that would have nearly crippled me financially as I am forced to live paycheck to paycheck. Please help me and let the lawsuits give Navient a taste of their own medicine.
Product: Debt collection

XXXX XXXX XXXX XXXX have failed to comply with my numerous prior validation request sent to them, in direct violation of Title 15 U.S.C 1692g.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX  XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX & XXXX XXXX ; XXXX XXXX  ( Hotel and travel XX/XX/XXXX, XXXX XXXX  XXXX XXXX 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

Recently, I checked my credit score and noticed some unfamiliar items that need to be removed. The accounts listed below are reporting inaccurately on my credit report and is in violation of the Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified or reported inaccurately. '' The law is noticeably clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately : 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 have sent numerous requests to a company called R.S. Clark and Associates that has bought a debt from XXXX XXXX that is reporting on my credit report. I have sent them letters by mail on XX/XX/2019, XX/XX/2019 and XX/XX/2019 asking them to provide a contract bearing signature for the validity of the account, I even sent an offer to pay for delete to the company and they have not responded back to me via mail. I have disputed this account numerous times with the credit bureaus and it just keeps coming back saying it was validated. How was this account validated when they will not even respond to my requests? It has been over 180 days since I challenged this account numerous times and over 30 days of the last time I disputed. I demand that this account be removed from XXXX, XXXX and XXXX. This is a violation of my rights as a consumer by nit furnishing me with a contract bearing signature nor responding to my requests to resolve the account.
Product: Credit reporting or other personal consumer reports

This account was charged off as a collection on the following date XX/XX/XXXX of XXXX but on my report its stating XXXX of XXXX. It is also being reported on my report that the account is closed and in collection with XXXX but the account status is also being reporting to being an Open account with XXXX and its not reporting much information with EQUIFAX. Also all 3 accounts are stating a balance of {$100.00} as if the account its open when the balance should be XXXX since its already being reported as a collection which is also inaccurate and a violation According to XXXX XXXX XXXX XXXX, XXXX, EQUIFAX, & XXXX are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following accounts : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX EXQUIFAX Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Credit card or prepaid card

In accordance with the Fair Credit Reporting Act XXXX  Torrid account has violated my rights. 

15 U.S.C. 1681 section 602 A : States I have a 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.
Product: Student loan

Nelnet has notified me that my account is past due yet I have not yet received a mailed statement for that account. 
I have emailed Nelnet at least four times but have not received a response.

Im assuming that interest is accruing but they will not send a statement.
Product: Debt collection

On Tuesday, XX/XX/year>, I received a notification on my XXXX credit report that Jefferson Capital Systems flagged my account for a collection in the amount of {$3.00}, XXXX. 

This was a huge surprise to me as I did not know anything about this debt. I never received any communications about this debt whatsoever. I was never giving the right to dispute. I was never given any information on verifying the debt. Nothing. 

This company used unlawful tactics as far as the FDCPA is concerned.
Product: Mortgage

Citizens bought Franklin American Mortgage who had been servicing my home mortgage. After approximately 12 months of Citizen 's servicing I decided to pay off my mortgage. All payment to citizens had been made via their website where my bank account was linked and payments were ACH 'd from my bank to citizens. With each payment there was a disclaimer posted that final payoff payment could not be done electronically and must be mailed. So, i made my final electronic payment in early XX/XX/2021 but i made it for approximately {$400.00} less the loan balance. I then requested payoff information. The payoff info that came said that my final payment of approximately {$400.00} had to be made via wire transfer or Cashier 's check. 
Out of convenience and principle I called Citizens ( spoke to XXXX ) to ask why I couldn't send a personal check or to ask if could deduct the cashier or wire fee from the amount I was sending them. I was told i must send a wire or CC for the full amount and that was not their policy but was the policy of the investor XXXX XXXX XXXX ). I called XXXX XXXX would confirmed that this was NOT their policy and they had no preference how I paid the servicer. I then requested from the Servicer documentation of where i accepted the terms and conditions stating my final payment would be different than every other payment and where i accepted responsibility for charges associated with arranging this special payment. I was told that they would have to charge me to send me my consent ( which i am sure i never gave them ). We remain at an impasse regarding my loan payoff.
Product: Credit card or prepaid card

On XX/XX/2018 I requested a cash advance on my credit card while at XXXX XXXX in XXXX, IL. I call Capital One credit card to make sure I was eligible. They said yes and then I proceeded to the Cash Advance desk that was manned by a XXXX  employee. They had me swipe my Capital One card, I requested {$2400.00} and my cash advance was denied. The copy of the denied receipt is attached. I never received the cash, yet was charged for the {$2400.00} plus an Interest Charge Adjustment of {$27.00}, plus a cash advance fee of {$51.00}. ( see my Capital One statement attached ).

I want my money back. The cash advance of {$2400.00}, the interest charge of {$27.00} and the cash advance fee.

It may seem odd that it has taken me this long to file for a refund, but I misplaced my XXXX  denial receipt and just found it. 

I do not understand how a person can be denied a cash advance, yet be charged for it. Who got the money? XXXX? A XXXX  employee? The XXXX? 

I expect a full refund immediately. 

XXXX XXXX
Product: Credit card or prepaid card

I did not get this card. I have not lived in that apt since before it was dated. 
there is a XXXX balance that has not been paid- it is affecting my ability to buy a house. my credit has dropped significantly.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth 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 alleged fraud or extortion XXXX P XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, P ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX PL XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; NXXXX 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