23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Today I got a credit alert from XXXX and there was an alert that decreased my credit score. The alert was on an inquiry from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Utah, XXXX from XX/XX/XXXX ... Last time I checked it 's XXXX. I called the bank listed with the number provided. They checked their data base against my information and of course I did not show up in any of their departments due to the fact, I did not apply for credit with this bank. I believe XXXX and their employees are maliciously damaging my credit from previous complaints. They are adding accounts that are not mine, XXXX 's account that was allocated by the store of purchase to my ex husband, I have disputed. They fraudulently adding inquiries, they are fraudulently increasing my debt to credit ratio. Something MUST BE DONE! This is the third time I 've made a formal complaint, two to the FTC and one to the CFPB.
Product: Debt collection

I am filling a complaint against XXXX XXXX because they are attempting a that is I do not owe them. Account Name : 1ST CRD SRVC, Account Number : XXXX. 
I would like for 1ST CRD SRVC to show proof of verification that I owe them {$210.00} with the account above. I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed above. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed above.
Product: Credit card or prepaid card

I've been trying to get a XXXX fare ticket refunded. First through the merchant with nonresponse, and then through the citibank XXXX XXXX the ticket was charged on. According to the merchant policy I could make changes or cancel the ticket up to XXXX hour prior to departure. I canceled it 6 days prior to departure and less than XXXX hours after receiving confirmation.Even if there were any fare restrictions, fine prints, would have been overridden as stated by the merchant if they failed to confirm my reservation within XXXX hour due to internal delays. Furthermore, the purchase of a new ticket for the same travel date and itinerary 6 days prior to departure and only a few hours after receiving XXXX  reservation confirmation, also using the same credit card ending on # XXXX along with the submitted documentation 's timeline proves I have done my due diligence to cancel this ticket as I don'tsee any reason Id keep both. 
I will never again purchase a travel ticket unless it's straight from the carrier. Online merchants who make it impossible forthe customer to reach customerservice and don'thonor theirpolicy like this particularmerchant give a bad name to online sellers. 
The credit card company has shown little to no effort to settle this matter
Product: Money transfer, virtual currency, or money service

I have {$240000.00} lost in the abyss as monies wired to Discover Bank were rejected due to the fact that they were sent to their international routing account. Information on Discover 's website states : When initialting an incoming wire, please includ-e your name and Discover Bank Account Number and wire to : -XXXX XXXX XXXX XXXX Routing Number XXXX That routing number ( which is shown in bold on their site is to their international account ) It took 7 phone calls and several hours to find out what had happened to my money. 
Beyond that, all they will say is " Sorry '' and the money won't go back to originating account for 5 business days. 
I was attempting to write an offer on a home yesterday but was unable to as I do not have " verification of funds '' and it will be next week before I do.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This is my final request for the immediate removal of the alleged debts associated with # XXXX from my credit report. I have no knowledge of these accounts or any relationship with XXXX XXXX XXXX or its creditors. 
I previously requested full validation of these debts, as required by law, but you have failed to provide the necessary documentation. Your response to my requestif anydoes not meet the requirements under the Fair Debt Collection Practices Act. Specifically, you have not provided : XXXX The original signed contract. 
XXXX Proof of the debts ownership chain. 
XXXX Evidence of any fees or interest added. 
XXXX Proof that the required notices were sent before reporting these debts. 
Since you have not validated this debt, I demand the immediate removal of these accounts from my credit report. Failure to comply will result in legal action, including complaints to the CFPB, FTC, and a lawsuit for violations of the FDCPA. 
This is your final notice. I expect confirmation of removal within XXXX business days. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a XXXX Letter EQUIFAX ( XXXX XXXX XXXX XXXX XXXX ) disputing the accuracy of the Accounts XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX and XXXXXXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX # XXXX. I sent a request for, method of Verification under the Fcra, section XXXX ( a ) ( XXXX ) and ( XXXX ) after 15 day I never recived anything.
Product: Debt collection

XXXX XXXX, thank you for your response and the documents you provided dated XX/XX/2023 but it was not what I had requested and DEMANDED. I reject respond and the documents from Modlin Slinsky P.A and XXXX XXXX. MODLIN SLINSKY , P.A . was advised of Notice of Demand for payment dated XX/XX/2023 and XX/XX/2023 within 15 and 10 days requirements. Modlin Slinsky, P.A did not resolve my complaint with XXXX XXXX XXXX ( XXXX ) or settle payment by sending the requirements requested. " Please take notice that demand is hereby made that Modin Slinsky, P.A immediately pay {$25000.00} in check for settlement. '' As, this request has not been honoured. XXXX XXXX made several attempts, Modlin Slinsky P.A and XXXX XXXX refusal to resolve this matter. 
I do hereby give formal Final Warning Notice to MODLIN SLINSKY, P.A and XXXX XXXX of Default, Estoppel and as this is a final notice, as my request has not been honoured. Informing MODLIN SLINSKY, P.A and XXXX XXXX of their failure to properly respond and having acquiesced to the stipulated offer and conditions as they operate in favor of the undersigned. 


MODLIN SLINSKY, P.A and XXXX XXXX are now in default and this is a final OPPORTUNITY TO CURE, FINAL WARNING NOTICE OF DEFAULT AND DEMAND FOR PAYMENT, PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES. This is NOT a request for COUNTERFEIT COPIES OF FRAUDULENT STATEMENTS and agreements from another XXXX XXXX and is not to be treated as one! ALL COPIES ARE COUNTERFEIT AND FRAUDULENT AND CAN NOT BE USE IN COURT! 

Please be advised that this is my FINAL WARNING that I fully intend to file a lawsuit, bar and Attorney General complaint. Please accept this FINAL written OFFER OF SETTLEMENT/RESOLUTION BEFORE FILING LAWSUIT COMPLAINT LITIGATION against XXXX XXXX and MODLIN SLINSKY , P.A as my attempt to amicably resolve your continued mail fraud, deliberate concealment of material information, defamation of character, aggravated identity theft, GROSS MISREPRESENTATION, Racketeer, extortion, theft by deception, False and misleading representations, and multiple violations of state and Federal, refusal to resolve this matter.
Product: Credit reporting or other personal consumer reports

Ive reviewed my credit report and noticed the following inaccurate items. The information reporting on my credit profile is not my account and I would like you to validate that it belongs to me per the accounts below, as they are not mine. 

XXXX XXXX Account Number:XXXX  Account Opened : XX/XX/XXXX Account Balance : {$440.00} XXXX XXXX Account Number:XXXX Account Opened :XX/XX/XXXXAccount Balance : {$2400.00} XXXX XXXX XXXX Account Number:XXXX Account Opened : XX/XX/XXXX  Account balance : {$720.00}
Product: Credit reporting or other personal consumer reports

Did not consent to unauthorized inquiries the inquiry was not authorized. 
EXPERIAN XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

LATE PAYMENT DISPUTE They're late payments reporting to my consumer report that are damaging my report. 

According to 15 US Code 1681a - " Definitions ; rules of construction '' ( Exclusions ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; There should be NO late payments reporting as that is considered a transaction or experience. 

Under this Code you are in VIOLATION and if not removed will be fined {$1000.00} per late payment violation via Arbitration. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Upon checking my credit score I saw that I have been placed in collections for an account I have never had a contract with. A company called RADIUS GLOBAL SOLUTION XXXX has illegally obtained my information and SSN and attached fee to my credit report. I do not have a debt with any company called RADIUS GLOBAL SOLUTION and therefore have no signed legal contract whatsoever taking ownership of said account.
Product: Checking or savings account

Ok my name XXXX XXXX and due to pandemic I lost my job just like millions of so I filed for unemployment which they had approved me to receive it but I had to open a bank account and I did with capital one back which they where ok for alil bite after my card was stolen and I disputed the charges and couple day later the money was in my account but capital one bank frozen my account at $ $ $ {$900.00} and I believe that nobody should have token or frozen the money they made me wait 15 day which turn into 90 then 120 not there lost never got back to me Im disappointed dissatisfied with my account being garnished or frozen due to me not having all my documents due to being homeless and due to pendimic
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account in question XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Subject : Request for Debt Validation Account Number XXXX : { XXXX Account Number XXXX : XXXX. 

Dear XXXX XXXX XXXXXXXX XXXX, I am writing to request validation of the debt referenced above, which I understand you are attempting to collect. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of any debt you claim I owe. I request that you provide the following information. 

XXXX. The name of the original creditor. 
XXXX. The amount of the debt. 
XXXX. A detailed explanation of how the debt was calculated. 
XXXX. Any supporting documentation proving that I owe this debt. 
XXXX. Proof that you are legally authorized to collect this debt in my state. 

Please consider this letter a formal dispute of the debt until validation is provided. While awaiting this information, I request that you cease all collection and activity on this account, including reporting this debt to credit bureaus.Please delete from bureaus. 

Thank you for your cooperation in this matter. I look forward to receiving the requested documentation. 

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

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 120-180 ) days late on the XXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX and XXXX. XXXX  and XXXX are reporting incorrectly that I am ( 120 ) days late on the XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, ALLY FINANCIAL add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX add a hard inquiries on my credit reports per XXXX, XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, 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 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
Product: Mortgage

During COVID-19 my bank ( Wells Fargo Mortgage ) offered me the federal gov instilled and backed mortgage deferral program - forbearance. 
After 14 moths of taking advantage of this offer and to defer my mortgage payments to keep my cash during the uncertain times, I have called Wells Fargo to restart my monthly loan payments.

Though, I am ready to pay my dues, they have told me to wait 6 weeks to make my first payment again. After checking my mortgage account I found out that my principal balance has increased by $ XXXX dollars. Not knowing the reason, I called Wells Fargo again to have it explained to me. They told me on the phone that this money is for past-due principal interest in the sum of {$2200.00} a month times XXXX = $ XXXX. 

My usual mortgage amount is $ XXXX/month and I feel this charge excessive to say the least. This is not what help looks like to me. 

The bottom line here is that Wells Fargo is taking advantage of hard working Americans who are trying to meet ends needs and trying to stay afloat by providing their families a roof over their head and providing food during difficult times. 
By taking advantage of this program, I have more than doubled my monthly house payment not deferring anything during the COVID-19 times.

That is NOT RIGHT!!!!!

Much appreciation for any help with this matter.
Product: Credit card

A charge for {$36.00} from XXXX XXXX showed up on my CapitalOne credit card. I called to dispute it and was told to upload a copy of my Drivers License, both front and back, so they can verify it's me. All of this happened on XX/XX/23. I asked that there has to be a better way to verify my identity other than providing such a personal item as my Driver license information. It's bad enough that someone used my card number while the card sits in my wallet but to require I further compromise my Identity with the company that allowed it to happen by giving them copy of the license is ridiculous. I asked to speak with the supervisor who also insisted on my drivers license info. Then I requested they cancel the card but was informed I'd be losing my reward miles I've accumulated if I did so. So today I've used my miles that have accumulated to pay down some of my bill but an addition +/_ {$7000.00} will post and be paid for by me by the due dates. I would have rater spent the rewards on traveling. I am writing this to complain about the requirement to upload the drivers licence info they feel is necessary to verify me. Please forward this complaint to the company so they change that policy. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX Cell # ( XXXX ) XXXX Capital One Credit card # XXXX
Product: Checking or savings account

See the following bank transaction, XX/XX/XXXX Payment to Santander Consumer Usa - {$1000.00} - {$580.00} Santander Bank of which I have no banking relationship with withdrew {$1000.00} from my bank account at XXXX account routing number XXXX account number XXXX. 

I called Santander Bank on XX/XX/XXXX, and spoke to :, Santander Bank XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No information on XXXX XXXX XXXX XXXX confirmed Santander Bank has no information on XXXX XXXX As such I have no account number or address to access at Santander I am now - {$580.00} inn my checking account and can not pay my bills
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. the list of accounts below are in violation my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681, Section 602, states that I have a right to privacy regarding my credit information, requiring consumer reporting agencies to handle consumer data with fairness, impartiality, and respect for the consumer 's privacy when providing credit reports.

15 USC 1681 section 604 a section 2 states that any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates.

15 USC 1681C ( a ) ( 5 ) 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. Code 1681s2 ( A ) ( 1 ) A states " 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 card or prepaid card

On XX/XX/XXXX, while checking out my cart for an online purchase ( XXXX  ) of approximately {$250.00}, I applied for another XXXX XXXX XXXX XXXX credit card. ( I previously had their card about 6 or 7 years ago, but when I paid it off, I closed the account. ) The application was denied with a message that said " XXXX XXXX XXXX XXXX is unable to provide credit at this time ''. No reason for this denial was given, which concerns me because I have a XXXX  score of XXXX as reported by XXXX. It's my understanding that lenders are supposed to advise the reason for denial, even during " instant '' credit applications.
Product: Checking or savings account

Truist Received a promotional offer that stated if I opened a new account and deposited at least {$1500.00} into the account, I would earn {$400.00} for this account opening. 
Promo code : XXXX On XX/XX/2023, I opened an account online. A few days later, I received a letter in the mail dated XX/XX/2023 ( day after I opened the account ) stating they closed my account. I called the main customer service line asking why the account was closed. The customer service representative stated that I needed to go to a branch location to show my ID for verification and the account will be re-opened. 

I went to a branch location on XX/XX/2023, but unfortunately, a banker was not available to assist me. 

I went to the branch location again on XX/XX/2023 and the banker pulled up my information and verified my ID but stated that he could not reopen the account but he could set me up with a " new '' account. I was confused at this time why he couldn't reopen but allowed him to set me up with another " new '' account. I made a deposit of {$1500.00} on this day. I asked about the promotional offer and he stated that he placed the offer code on the account opening. 

On XX/XX/XXXX, I received an email from Truist stating : " During our final review, we noticed that you did not meet all qualification requirements of the offer, therefore, the reward will not be processed. '' On XX/XX/XXXX, I called the customer service department and was transferred several times before an individual was able to explain to me that the original account I opened online was deemed the " NEW '' account and the second one I opened in the branch did not qualify because it wasn't a " NEW '' account. The customer service representative mentioned that she sent my information for an exception but still haven't received the promotional offer nor a status update.
Product: Debt collection

{$140.00} was taken out my XXXX account which we shared together bank of america say i owe money and they was Recovering it, but Im not the owner of the account. My son is why you didnt send a notice telling My Son that you were going to take the money that was a illegal transaction. You did not have my consent. My account had nothing to do with my son account, we Share a joint account he added me onto his account. If you wouldve sent me a notice saying I owe something seven years ago, I would have paid and made payment plans. They put us in the bad state by taking his money I wrote a form a complaint later, demanding that the refunds be returned and My Son closed out the account because no one asked him. Whether or not it is permissible for them to withdraw any funds from his account would depend on the specific terms and conditions set forth in any agreements or powers of attorney that may be in place. Additionally, legal regulations and restrictions may also come into play. It is recommended that they consult with legal counsel or a financial advisor to understand the options and implications fully.XXXX the account written as XXXX XXXX XXXX and XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I contacted collection agency Hillcrest Davidson & Ass that has reported on my credit report something I owe that I have never received a bill or statement for, nor received any phone calls. They said they had a signed copy of the agreement and would mail a copy to me or have the company that sold the account ( XXXX  ) send me the agreement today on XX/XX/2021 I still have received nothing by mail or phone calls. I also called the " original '' debtor and they said they have no record of me having an account and I called twice to verify on XX/XX/2021. Then I called Hillcrest Davidson & Ass collection agency back and left a message on XX/XX/2021 and three days later still have not received a call. So I still have no proof that I signed any contract for this debt nor is anyone assisting to resolve this issue.
Product: Debt collection

I checked my credit and saw 3 medical bills from ASSETCARELLC/CAPIOPART for XXXX XXXX XXXX totaling $XXXX. I did not receive any notification for any debt for medical services as an indigent individual. I was XXXX  with no physical address to receive any forwarded mail. I also let the hospital know I was an XXXX XXXX  and did not have any insurance or money. This reporting is against my HIPAA rights a Is did not sign any medical releases before my information was compromised and accessed by ASSETCARELLC/CAPIOPART.