23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Cease and Desist Dear XXXX XXXX XXXX XXXX ( ACCT. # XXXX ) This notice is Pursuant to 15 U.S. Code 1692 ( c ) I am telling your company that I refuse to pay this alleged debt and that you cease communication regarding this debt through all mediums. Mediums would be phone, email, consumer report.
Product: Bank account or service

From XXXX XXXX XXXX XXXX : American Express Business Credit Card Marketing proceduresI have been an AMEX customer since XX/XX/XXXX and pleased with service, until ... I start getting unwanted solicitations for a business line of credit **for a business I have no association with** When I call, they tell me it will take three months to correct the error. In the mean time, every two weeks I get an invitation to open a line of credit with this erroneous business. 
1 ) Opt out procedures typically are 30 days- waiting 90 days is unacceptable2 ) I have nothing to do with the business they assigned me to3 ) Every mailing is a risk. People go through mail and take credit card offers, and steal identity, change addresses and open accounts fraudulently. When I explained this XXXX to AMEX, they stated " sorry it takes 90 days. " 4 ) I dont understand how I was associated with XXXX University in the first place. 

I have enjoyed AMEX over 20 years, but these erroneous mailings every two weeks not only borders on harassment, it is establishing a risk for any person receiving unwanted information and THEN has to wait 90 days for them to correct their own error. Since I first called them XX/XX/XXXX, I have received XXXX more credit card offers for a business I have no association with. 

While the people are nice I am particularly disappointed that it takes 90 days to resolve this problem, exposing me to more risk.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is steel reporting the Inquiries that are false and fraudulent and they hurting my credit report Experian keep Violating my rights as a Consumer and the Inguiries was not never remove Under Under 15 U.S. Code 1602 ( p ) - unauthorized use of my information So all Inquiries need to be remove
Product: Checking or savings account

My rent money to my landlord is gone. My bank is Capital One, and my landlord 's bank is XXXX. Both banks have claimed that they did nothing wrong, and that the other bank must be at fault. 

Here 's the timeline, described by my landlord, who banks with Truist : XX/XX/XXXX - check issued XX/XX/XXXX - received the check as stamped and written on the face of the check. 
XX/XX/XXXX - deposited check XX/XX/XXXX - bank issued stop payment on check XX/XX/XXXX - received notice from XXXX bank of stop payment notice and a debit of {$1100.00} removed from our account. 

I have attached the deposited check, which is Capital One 's evidence that my {$1100.00} was transferred from my account. I have also attached the stop payment document, which is XXXX 's evidence that my check was stopped, so that {$1100.00} was transferred from my account. 

Neither my account nor my recipient 's account has the {$1100.00}. So we have been defrauded of {$1100.00} by either Capital One and XXXX, and both banks continue to do nothing. 

I also consider the several phone calls with Capital One totaling several hours over a period of one month with no progress on this issue to be harassment. This has included : 1. telling my that they would give me an unredacted proof of payment, and then sending the redacted proof of payment, 2. telling my that they would give me a proof that the check was cashed, and then sending the same redacted proof of payment as before, which is the attached deposited check, and XXXX telling me that they would communicate with XXXX, and then later saying they would not. 

The {$1100.00} check was due as rent by XX/XX/XXXX, and my lease states the following : " Lessee shall pay a late charge in the amount of XXXX percent ( 10 % ) of the monthly rental. If said rental payment is not received bXXXX XXXX XXXX  on the XXXX XXXX XXXXXXXX ) day of the month that payment is due, Lessee shall also pay to XXXX XXXX XXXX ( {$1.00} ) for each additional calendar day that the rent remains unpaid. Lessee shall also pay Lessor a charge of {$50.00} for each returned check. '' As of today, XX/XX/XXXX, this amount totals to XXXX ( XXXX ) = {$1200.00}, and counting.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the ( Equifax ) credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

I AM FILING THIS FTC IDENTITY THEFT AFFIDAVIT TO REPORT 5 FRAUDULENT ACCOUNTS APPEARING ON MY CONSUMER FICO EQUIFAX CREDIT REPORT, WHICH I DO NOT RECOGNIZE AS REPORTED AND WHICH ARE THE RESULT OF IDENTITY THEFT AND FRAUD. THESE FRAUDULENT ACCOUNTS CONSIST OF AN AUTO LOAN OPENED AT XXXXXXXX XXXX XXXX XXXX XXXX ON XX/XX/XXXX UNDER THE ACCOUNT NUMBER ( XXXX ), AN AUTO LOAN OPENED AT XXXX XXXX XXXX XXXX XXXX ON XX/XX/XXXX UNDER THE ACCOUNT NUMBER ( XXXX ), A PERSONAL LOAN OPENED AT XXXX XXXX XXXX ON XX/XX/XXXX UNDER THE ACCOUNT NUMBER ( XXXX ), A CREDIT CARD OPENED AT XXXX XXXX ON XX/XX/XXXX UNDER THE ACCOUNT NUMBER ( XXXX ), AND A CREDIT CARD OPENED AT XXXX XXXX ON XX/XX/XXXX UNDER THE ACCOUNT NUMBER ( XXXX ). THESE ACCOUNTS HAVE RESULTED IN SEVERAL FRAUDULENT HARD INQUIRIES AND FRAUDULENT COLLECTIONS APPEARING ON MY CONSUMER FICO CREDIT REPORT. I DEMAND THAT THE AFOREMENTIONED FRAUDULENT ITEMS BE REMOVED FROM EACH OF MY CONSUMER CREDIT REPORTS AND THAT ALL COLLECTION ACTIVITY RELATED TO SAID ITEMS CEASE PURSUANT TO MY RIGHTS WITHIN THE FCRA AND FDCPA LAWS. 


These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Checking or savings account

On  XXXX   XXXX ,   XXXX  , a fraudulent charged in the account occurred by a company named  XXXX   XXXX  in the amount of {$280.00}.     The fraudulent transaction lead to unlawful excessive bank fees. On  XXXX / XXXX /  XXXX  , the record reveals that was charged the amount of {$100.00}, allegedly because was overdrawn the amount of {$6.00}, {$26.00}, {$60.00}. This incident could have been avoided if Regions Bank would have acted upon a fraudulent activity on the account. Instead charged me the excessive allege overdrawn fee in the amount of {$100.00} In addition the bank charged me {$690.00} in overdraft fees. The account history reveals that the bank continues to charge overdraft fee unjust, charging the same fess again.
Product: Mortgage

On Monday, XX/XX/2020 I made an inquiry with Quicken Loans about a Cash Out Refinance. I said that I was researching. I said that I had 2 questions : What was the current interest rate? 
How much of my homes equity could I tap? 
I was Not explicitly asked if my credit could be pulled. I was only asked about my birthdate. Although I thought that was a strange question, I gave my DOB. 
Soon after, I got a message from XXXX XXXX that my credit was pulled. The next day, I found out that my husbands credit was pulled too. I only discovered this about his credit report because phone calls started to come to our home RE our desire to finance based on a recent credit check. Today, we received 6 pieces of mail about refinancing from other banks. QL had No authorization to pull either of our reports. Please correct this. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX - this is not my account, I did not sign up for an account with this company, XXXX XXXX XXXX - this is not my account, XXXX XXXX - no mine wrong account number, XXXX XXXX XXXX ( Original Creditor : 11 XXXX XXXX XXXX XXXX ) XXXX , XXXX XXXX XXXX ( Original Creditor : 11 XXXX ) XXXX .. I am extremely upset about this situation because I find it absolutely ridiculous that this information is being reported without contacting me first. The accounts do not belong to me, either these creditors made a mistake placing them on my credit report or someone messes up with my personal information, either way, I want you to remove them asap
Product: Debt collection

I have sent over my bank statements via fax on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX reflecting the amount ( {$200.00} ) that is not showing on the account. I have called Called on XX/XX/XXXX was advised that its no problem and to fax to XXXX attn XXXX XXXX but just subtract that amount and they will update the account and make a payment. 
Called on XX/XX/XXXX XXXX XXXX and explained that the amount wasnt correct and that its missing {$200.00} I was then advised to send over a fax with a bank statement ( fax sent ) Called on XX/XX/XXXX XXXX XXXX and explained was advised that my account is not credited and then was advised that to wait 10 business days. 
XXXX-Rcvd correspondence stating that the amount is correct. 
( do not have date believe on or before XX/XX/XXXX ) Called again and asked for fax number to send over bank statement along with online statement. 
Called on XX/XX/XXXX XXXX XXXX and was advised they recvd my fax and that they are looking into it and to follow up in 10 business days Called XX/XX/XXXX XXXX XXXX and they are not showing a fax and repeated tried to get me to pay the amount of XXXX. I explained again that this amount is not correct and I have sent over my bank statement I am not making another payment until this account is update. I was then hung up on
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Accounts, XXXX XXXX, Account number XXXX XXXX Account XXXX XXXX XXXX Account number 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 an account without my written instructions
Product: Credit reporting or other personal consumer reports

Company repeatedly continues to furnish fraudulent documents information on my report. Company has been notified and sent copies of FTC reports via priority mail, listing the accounts as fraudulent yet this company still continues to break the law. These deragatory marks has caused adverse actions against my family causing substantial hardships. This is a direct violation of 15 USC 1681. Also these accounts has reached the PA statute of limitations for charged off debts. 

Account name : XXXXXXXX XXXX Account XXXX Account name : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to follow up on my ongoing efforts to address fraudulent items on my credit report. 

Despite numerous previous attempts and communications, the fraudulent items remain unresolved. Their presence continues to inflict XXXX XXXX XXXX XXXX  impacting my creditworthiness and overall well-being. 

I urge you to prioritize this matter and take immediate action to remove the fraudulent items from my credit report. It is crucial to ensure the accuracy and integrity of my credit history to protect my financial reputation and future opportunities. 

Furthermore, I kindly request regular updates on the progress of the removal process and prompt confirmation once the fraudulent items have been successfully removed. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXXXXXX XXXX XXXX, AZ XXXX ; XXXX XXXX Balance Owed : {$330.00} ; XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX Owed : {$150.00} ; XXXX FI XX/XX/year>.
Product: Credit card or prepaid card

I have a kohls credit card that I've had open since XX/XX/2020 and I tried to log in to my account online. I have a totally different account number, information and wierd activity as for not updating or old information that I've constantly told kohls Corp about, it still is the same. My card has one number, and the online had another account number and I'm able to see my information, rest my password and log in stuff, and my history information is not there, it says I'm over my limit, late payment, zero payment made, and no dates available to view. But my card I call on the phone tells a totally different story, account is current, no late payment, payment on file, available credit limit is very low, and I am unable to use any discount, program credits, or use any account discount to pay for stuff and get my rewards points. So I need 911 help with my account, due to no one activity wanting to help, very hard to reach customer service or corporate office help. So I have ro use this form to get help in my opinion.
Product: Credit reporting, credit repair services, or other personal consumer reports

have recently checked my credit report and seen some inquiries I did not authorize : XXXX XXXX XX/XX/2022 ( XXXX ) XXXX XX/XX/2022 ( XXXX ) XXXX XXXX XX/XX/2022 ( XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX ) XXXX XXXX XX/XX/2022 ( XXXX ) XXXX XXXXXXXX XXXX XXXXXX/XX/2022 ( XXXX ) XXXX 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX You are in Direct Violation of the The Fair Credit Reporting Act ( XXXX XXXX XXXX XXXXXXXX ) and ( XXXX XXXX XXXX XXXX XXXXXXXX ), has violated my rights. 15 U.S.C 1681 Section 602 A. Clearly states that 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. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Remove these late payments and update this account immediately as you in direct violation of several laws under the The Fair Credit Reporting Act. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX Bankruptcy was filed on my credit report in 2019 and dismissed. This is totally inaccurate and want this item removed off of my credit report immediately. 
Transunion is the only bureau reporting this inaccurate account.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

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

On XX/XX/2021, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Ally Financial, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX all placed inquiries on my credit reports without my authorization. I have contacted these companies along with XXXX, XXXX, and XXXX to notify them of the error because my credit was run an excessive amount of times and putting that many inquires on my credit report at one time has damaged my credit score. I was not made aware that multiple inquires across and as a consumer it has made it difficult to attain credit from anywhere because of the multiple inquires I did not authorize.
Product: Debt collection

A process server named XXXX called from a local XXXX phone number from " Legal Services '' leaving a message he had paperwork to serve me with unless I contact the company directly. He would serve me on Monday between XXXX and XXXX XXXX. either at my residence or place of employment. So I called the XXXX number and talked with XXXX XXXX at XXXX XXXX. He said I owed around {$1200.00} for an original loan of {$600.00}. It turns out Spotloan is not a licensed pay day lender in Oregon. I told him he could only charge me for the principal which I thought I had paid already. I demanded something in writing, and he stated he mailed a letter on XX/XX/XXXX with a deadline to pay by XX/XX/XXXX. I never received a letter. In fact I never received any prior calls or communication from this collection company. He said they could charge minimal interest, and he would see me in court.
Product: Credit card or prepaid card

Citicard advertises a 15.24 % interest rate and I would expect on the unpaid balance. However that is not the case. In four months, XXXX, XXXX, XXXX, and XXXX of 2021 I failed to pay the entire balance for a total of {$6500.00}. At a 15.24 % simple interest rate the amount I would owe them in interest would be 15.24 / XXXX * {$6500.00} / XXXX or {$83.00}. However I have been charged {$850.00} in interest for these ( 4 ) events. I did the simple math on this and it is a 155 % annual percentage rate. I did not agree to a 155 % interest rate. I called Citi and they informed me that the interest rate was calculated on the average daily balance on the period of the billing cycle and does not take into consideration the payments I made. Seems unreasonable to me. This is an interesting problem indeed! XXXX
Product: Credit reporting or other personal consumer reports

I recently did an investigation on my consumer report which caused XXXX  XXXX upon me and I found unverifiable, invalidated, inaccurate and questionable items that your agency didn't make sure was reporting 100 % correct and I did not give the credit reporting agencies written consent for these accounts to report to my consumer report pursuant 15 USC 1681b. Without my consent this is reporting fraudulently. The credit reporting agencies is committing FRAUD!!! Please remove these fraud accounts and fraud inquiries from my consumer report!
Product: Debt collection

All Check City accounts were included in my XXXX Bankruptcy, that was filed on XX/XX/2022. They continue to call me and need to " cease and desist ''.
Product: Credit card or prepaid card

I was sent unauthorized charges due to an XXXX error on XXXX 's behalf. 
Disputed the charges, resolved the issue. 
Due to the issue, I unlinked my card and closed my account in order to not have any more charges sent. 

Figured coinbase issues were solved so I sign up, verify identity, payment info ... and they will not unblock me to make purchases. I submitted tickets and were told I'd receive a message back in a few days with no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

A complaint was filled to Equifax on XX/XX/XXXX in reference to a debt from XXXX XXXX. XXXX XXXX is reporting a debt that is not owed. In accordance with the FCRA Equifax had a duty to properly verify the information being reported by XXXX XXXX. Equifax never responded in the required 30 days. 

Equifax had until XX/XX/XXXX to respond with proof of the information verifying XXXX XXXX XXXX claim. They did not and in accordance with the FCRA this item needs to be removed.
Product: Checking or savings account

I have had business and personal accounts with US Bank for 16 years. 
My business is successful and I have never had a clients check returned I have been in business since XXXX. 
I deposited a {$24000.00} plus check with them on Friday XX/XX/XXXX They credit my account and then without informing me withdrew the funds, then returned a check I paid a business supplier with. This client has written approximately 10 checks since XX/XX/XXXX. The amount is smaller than a lot of our deposits. 

Then to add more trouble they charged me {$36.00} return check fee. 

My client has sent me a copy of the canceled check on her banks stationary along with account notes showing paid. I emailed it to US Banks Branch in XXXX XXXX I have spent all day on the phone with this bank!!! 

Us bank still refuses to release the funds!!! 

Another XXXX XXXX in the making
Product: Debt collection

I was discharged from chapter XXXX Bankruptcy in XXXX XXXX XXXX XXXX garnished my pay in XXXX. I submitted paperwork of the bankruptcy and the garnishment stopped and a refund was issued. In XXXX XXXX XXXX XXXX garnished my tax return. I submitted paperwork and my tax return was returned to me. XXXX/XXXX/XXXX XXXX XXXX XXXX garnished my pay again. I submitted my bankruptcy paperwork to the attorney for XXXX XXXX in person myself on Wednesday XXXX/XXXX/XXXX when I received paperwork from my employer. The manager was very rude and refused to help me. I have placed several calls to Rosen, Varchetti & Olive PLLC to resolve this matter and I have received no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, and accounts that do not belong to me. Please block the accounts that are misleading and incorrect in my file. 

Here are the aforementioned accounts : XXXX XXXX  XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$480.00} XXXX XXXX XXXX XXXXXXXX Balance : {$660.00} This complaint is a follow-up to my previous complaint dated : XX/XX/ 2023