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

I have reported on multiple occasions to Transunion and XXXX XXXX XXXX by writing letters disputing the inquiry being reported that I never authorized. I have had identity theft in the past which I included in my dispute letter. This inquiry from. XX/XX/2019 needs to be validated and proof that I authorized this inquiry needs to be provided otherwise it needs to be removed from my credit report immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

This account from XXXX XXXX had been reporting in a charge off status and shows 57 reports on Experian before updated as settled with 0 balance on Experian and XXXX. This account had been charged off and allegedly had a deficiency balance however, XXXX XXXX never sent and was not received the legally required notices for the state of Missouri to be able to claim such a balance and is currently in a class action lawsuit ( AmeriCredit Financial Services , Inc. v. Bell CASE NO : 15SL-AC24506-01 ) due to this occurring to many people in Missouri. Specifically no pre-sale or post-sale notices were never received and nullifies and claim to a balance and the reporting is therefore incorrect.
Product: Prepaid card

Hello my name is XXXX XXXX XXXX XXXX and i have a story about how Rushcard has affected. I have been with Rushcard since XX/XX/XXXX and for the most part i really like using the card for my checks to be direct deposited. Monday 's system glitch has really put me in a bind. First off i should have been paid Friday XX/XX/XXXX but my money still has not been available to me to this day XX/XX/XXXX. My car insurance was due this Saturday and since then it has been cancelled. I dont have any money for food or money to put gas in my car. My car payment is due in a couple days and i can not be late because i just got this car. If i do n't pay my car will be shut off and i will not be able to drive it until the note is paid. The glitch also somehow cancelled XXXX my debit cards and i have been charged XXXX dollars for replacement card to be shipped to me XXXX and i still have not received them. I have contacted customer Service several times and most of the time i was hung up on after waiting up to 3 hours on hold for a rep. When i was able to get threw some of the reps where very short and rude saying that they too have Rushcard and have not been paid either. Im a full grown man and this thing has brought me to tears. Something has to be done. I have reached out to Rushcard facebook and being told to send a inbox message which i have done and i have got no response from anybody. I have over XXXX dollars on my account and i cant even buy myself a bottle of water. Im hurt beyound hurt and im at my breaking point. I need my money XXXX XXXX and i need it now. Rushcard should be sued and shut done this ia totally unacceptable. Please help action news run my story maybe it will put some fire XXXX to make them give me my money. I will never use Rushcard again
Product: Checking or savings account

On XX/XX/23 notice suspicious activity in my account investigated made a ftc report victim of identity theft
Product: Debt collection

I have asked for my signature to prove that I am responsible for this debt that I dont recognize. They have refused to provide it. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is Competent evidence bearing my signature, showing that I have or ever had some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent enablement of identity fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to section 623-b )
Product: Mortgage

I am currently working with HAF to help pay my mortgage. They told me that they would agree to pay whats is due on the account as long as it does not succeed {$50000.00}. HAF has been requesting paperwork from US BANK for months now and US BANK is not sending the required info through the correct portal. This isnt the first time I had a " paperwork issue '' with this mortgage company. prior to, we agreed on a loan modification agreement, I turned in the required paper work and made the first payment, and then out of no where they told me it was invalid even though I had both signatures required and made a first payment to that agreement that successfully went through. They did send me back the money I paid only after I told them what they were doing was illegal because we had already came to an agreement. Now they are basically refusing to send in the paperwork correctly in order for HAF to process payments because my home has alot of equity in it. They also put my home back on active foreclosure even though, they are the reason why this process is taking as long as it is because they have been sending the paperwork incorrectly. Please help me! HAF has agreed to pay what was owed plus 3 months. USBANK Mortgage has been trying to prevent me from receiving the help that is being offered through the HAF program the same way they refused the already signed, agreed, and payment after I made them aware that what they are doing is illegal.
Product: Debt collection

On XX/XX/XXXX I received a text message that reads : Please contact FCR regarding your account at XXXX or call XXXX. This is an attempt to collect a debt. 

I called the phone number yesterday, XX/XX/XXXX. The person I spoke to said I owe XXXX XXXX   XXXX XXXXXXXX XXXX XXXX {$930.00}. She said that the account had been submitted to a law firm ( I dont remember the name of the supposed law firm ), that was preparing to demand payment in full plus unspecified legal fees. I asked the woman to give me a phone number so that I could contact the law firm. She told me they would not speak to me. She then told me that FCR would reclaim the account from the law firm if I would agree to pay them {$150.00} per month for the next 6 months, with the first payment due immediately. 

I contacted XXXX XXXX XXXX XXXX XXXX XXXX this morning, XX/XX/XXXX, and confirmed that my account with them was paid in full years ago. I was treated by physicians there in XXXX. I also checked my credit report with XXXXXXXX. No debt collection claims against me have been submitted to any of the three major credit report companies. 

FCR is attempting to defraud me of {$930.00}.
Product: Credit reporting or other personal consumer reports

someone applied for credit with my identity. there is an inquiry on my credit report i do not recognize from capital one bank on XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

These are the account I have marked as inaccurate. 

XXXX BANK DELAWARE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX FUNDING RESURGENTXXXX XXXX XXXX XXXX SYSTEMS
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX
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 15 USC 1681. 
XXXX XXXX XXXX ( XXXX XXXX XXXX ) # XXXX. XXXX {$4.00} and XXXX XXXX XXXX # XXXX. Balance XXXX ; has violated my rights. 

I looked at my Transunion credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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

In accordance with the Fair Credit Reporting act. The List of accounts has Violated my federally protected Consumer rights to privacy and Confidentiality under 15 USC 1681. 

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 sent a letter to XXXX, XXXX and Experian disputing unauthorized inquiries that are being furnished on my credit reports. XXXX immediately removed the inquires but I received a letter back from Experian stating they were not able to locate my credit information and I received a letter from XXXX stating they were unable to verify that I was the one who sent the letter when I attached my ID to all 3 letters. I am reattaching the letter I sent as well as my government issued ID.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I mailed letters to XXXX, Experian, and XXXX XXXX ; asking them to investigate errors on my credit report. They were supposed to respond within 30 days, but they have not.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies and incomplete information reported on my credit report. After obtaining a copy of my credit report, I have identified several errors that constitute violations of the Fair Credit Reporting Act ( FCRA ), specifically the following provisions : 15 USC 1681e ( b ) : The credit bureaus are required to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. The inaccuracies I have identified clearly indicate a failure to comply with this standard.

15 USC 1681s-2 ( a ) and ( b ) : These provisions outline the responsibilities of furnishers of information to provide accurate and complete information and to conduct investigations into disputed accounts.

15 USC 1681i ( a ) ( 1 ) : Consumer reporting agencies must reinvestigate disputed information within a reasonable period, yet these errors remain unresolved.

The items I am disputing are as follows : Late Payments 30+ Days : of late payments that are either inaccurate or incomplete.

Late Payments 60+ Days : of late payments that are either inaccurate or incomplete.

Additionally, Derogatory Public Records I demand the removal of any accounts that contain incomplete, inaccurate, or unverifiable information from my credit report. 

Failure to comply with these provisions carries serious consequences under 15 USC 1681n, which provides for civil liability for willful noncompliance, and 15 USC 1681o, which addresses negligence in failing to comply. 

I demand that these inaccuracies and derogatory entries be investigated and deleted from my credit report immediately. Additionally, I request a copy of my updated credit report reflecting these changes. 

Please consider this letter my formal dispute. I expect you to resolve this matter promptly and in compliance with federal law. If these inaccuracies are not corrected, I am prepared to pursue all remedies available to me under the FCRA, including legal action. 

For your convenience, I have attached a copy of my credit report with the disputed accounts and items highlighted. I have also enclosed a copy of my government-issued ID and proof of address to expedite your investigation. 

Thank you for your prompt attention to this matter. Please confirm receipt of this letter and provide updates regarding the investigation timeline. 

Sincerely, XXXX XXXX XXXX
Product: Credit card

I was making payment to my account. Which I did not know was sold to XXXX. Barkley Juniper was holding money and not sending payments over to XXXX and will not refund money owed to me.
Product: Debt collection

MANAGEMENT SERVICES INCORPORATED. CORPORATE has sent me a debt collection letter in attempt to collect a alleged debt stating they are financial partners with XXXX XXXX. Notice it is a XXXX XXXX XXXX. CORPORATE is a debt collector and falls under FDCPA. Notice it is a fact XXXX XXXXXXXX XXXX has charged off the alleged debt and has sold it to MANAGEMENT SERVICES INCORPORATED has violated me on multiple occasions under the FDCPA and are liable for damages under 15 USC 1692k-15 USC 1611 and 15 USC 1640.I have DEMANDED validation of debt under 15 USC 1692g and MANAGEMENT SERVICES INCORPORATED. MANAGEMENT SERVICES INCORPORATED has committed numerous Federal Violations against me the consumer and is attempting to collect a alleged debt through obscene matters under 18 USC 892 because anything coming from a consumer credit transaction is a FINANCE CHARGE which is the SUM OF ALL CHARGEs meaning any extension and any alleged debt coming from that extension of credit is already paid and any recollection attempts is a violation under 18 USC 892 and a violation under Racketeering.
Product: Mortgage

I currently have a Home equity line of credit, which is 30 years, first 10 years are for draw, remainder 20 years is to pay back line of credit. My bank contacted me to ask if i want renew credit line, but said i would have to pay filing of lean, which would come to about {$240000.00}. I asked the bank since there still is a lean for another 20 years, why would i have to pay. They said thats the way it is. My question is that necessary, or can they continue to use same lean. The home is located in New York State. 
Thank youXXXX XXXX
Product: Debt collection

I pay more than {$3000.00} per year for health insurance through Medicare and XXXX but XXXX XXXX Medical Center has never billed my insurance for an amount of {$3300.00} due to ER care. Further they tell me that the Insurance company representing the party that rear ended me has already settled with me but they have not bothered to document that claim. I am represented by an attorney and the claim is pending so the debt is legally that of the Insurance company for the other party. The visit to the ER is billed out in XXXX parts-one for the use of equipment and XXXX for the medical treatment. XXXX XXXX XXXX provided treatment, billed my insurance and has been paid. At the present time XXXX XXXX Medical Center has placed their account for collection and I have been reported to XXXX and XXXX. In my opinion, XXXX XXXX has denied due process ( filing with my personal insurors ), has unfairly damaged my credit rating which dropped XXXX points because of this reporting, is ignoring Medicare provisions for special payments to medical facilities in cases where the insurance payments are delayed in processing, and are engaging in a form of black mail to effect payment from me that I am not responsible for. I contacted the billing department at XXXX XXXX on XXXX XXXX, 2016 with full documentation of everything above but have not received any information back from them. I should not have to pay for someone hitting me from the rear when I was stopped at a traffic light. This debt is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the equifax data breach, they created a site to check if I was affected. However, the site includes a search that does not work, and automatically opts-in to their service along with the terms of use without an option. 

I did not want to opt-in, only to find out if I was affected. I have already had unauthorized use of a credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam, I reviewed a copy of my credit report and I noticed unauthorized inquiries had been made by the following companies : EQUIFAX MORTGAGE SERVICE Inquired on : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Inquired on : XX/XX/XXXX XXXX/XXXX Inquired on : XX/XX/XXXX XXXX XXXX Inquired on : XX/XX/XXXX XXXX XXXX Inquired on : XX/XX/XXXX XXXX XXXX Inquired on : XX/XX/XXXX XXXX Inquired on : XX/XX/XXXX I contacted the above mentioned creditors and asked them to remove their credit inquiry from my credit profile on several occasions however all of the inquires have not been removed. Im request that you remove these inquiries on my credit report and send me an updated copy of my credit report. I'd like the credit bureaus to please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation if the above credit inquiries are not removed. Thank you for your assistance in this matter. 
Sincerely, XXXX XXXX
Product: Student loan

I have had XXXX strokes past year and behind and owe money for school private loans too repay what I owe and past checking account with banks owe to get back on track I am a VA XXXX veteran low monthly income.
Product: Checking or savings account

XX/XX/23 XXXX I deposited a check through Chime Bank Mobile Deposit feature. Before XXXX EST the check cleared with them. It was shown that my full check amount wouldnt be available until XX/XX/23. Which is over the 5 business days limit the mobile app states. Itll be 6 business days in total. I have called them multiple times on XXXX and was told by multiple Customer Service Reps that the initial day of depositing through the mobile app doesnt count. Even though their website says other wise. At this point in time chime bank is holding my funds XXXX.
Product: Debt collection

Debt collector had contacted my mother and other family members more than once : Letting them all know I have a debt and how much I owe and to whom I owe it to. I have contacted them more than once asking them how they got their contact information and asked them to not do that again and they still keep doing it! 
They will text all my personal information and call/harrass them and tell them all my personal information
Product: Credit card

On XX/XX/year> the XXXX XXXX business closed it's doors with a " Cease and Desist '' letter from their lawyer. I charged {$1800.00} on my Visa on XX/XX/year> for an annual membership. However, the business closed down in 2 months. I filed a dispute with VISA in XXXX, 2024. On XX/XX/year> VISA denied my dispute stating that I signed the receipt that says all sales are non-refundable. That is the XXXX XXXX 's ' policy. It is not the policy of VISA. In fact VISA should protect the consumer. The XXXX XXXX company knew they were closing down and intentionally lied to the customers so that we would all pay the annual fees in advance with the intention to scam the customers. This is premeditated and fraud.
Product: Debt collection

In XX/XX/year>, I paid off my XXXX account in full, ended my XXXX year contract and I believed the account was settled. However, XXXX has recently claimed that I still owe money on this account, {$1700.00}. XXXX claimed I owed them money from a phone but I showed proof that I had brought my own phone to XXXX. I contacted XXXX to request proof of the alleged debt, but I did not receive any response from them. Despite my efforts to resolve the issue, the company has sent me to collections, JEFFERSON CAPITAL SYST, and has not provided any documentation or details supporting their claim that I owe an outstanding balance. This situation remains unresolved, and I am seeking assistance in obtaining the necessary proof to confirm or dispute the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I re cently decided that I 'm ready to buy a home. I pulled my credit report from ALL  XXXX  Bureaus and there 's nothing but inaccurate information and accounts that do n't belong to me. A while ago my purse was stolen and I have n't applied for anything since. I mainly bought things in CASH. However, not realizing that paying in CASH is n't always the best option. I am beyond furious with these reporting agencies. It seems as though they 'll report ANYTHING even if it does n't belong to you. I filed another police report for IDENTITY THEFT and still NO RECONCILIATION. I 've even taken taken the liberty of contacting ALL listed collection agencies asking for PROPER DEBT VALIDATION w/ SIGNATURES and still nothing.I am ready to close on my new home but these fraudulent accounts must removed prior to my close date in   XX/XX/XXXX . He re are the following fraudulent accounts : * XXXX **-   XXXX   XXXX   :  XXXX ,   XXXX   XXXX   :  XXXX  ( this seems to be a credit card that I 've NEVER HAD and it looks as though this company is VIOLATING PROTOCOL and REAGING this account, PLEASE SEE FCRA GUIDELINES TO FAMILIARIZE YOURSELF WITH FCRA REGULATIONS ) ;   XXXX   XXXX   XXXX  -   XXXX   INQUIRIES :  XXXX -  XX/XX/XXXX ,    XXXX   XXXX   XXXX   XXXX  - XX/XX/XXXX ,   XXXX   XXXX   XXXX  -   XXXX   XXXX   - XX/XX/XXXX  ,  XXXX -  XX/XX/XXXX ,  **EQUIFAX** -   XXXX   XXXX   XXXX   :   XXXX  ,   XXXX   XXXX   XXXX   :  XXXX ,   XXXX   XXXX   XXXX    :  XXXX  ,   XXXX   XXXX   :  XXXX  ,   XXXX   XXXX   XXXX   ( this company is reporting twice and it looks as though someone had household goods, mind I bought my furniture CASH years ago and I do n't apply for credit unless it 's with   XXXX   XXXX   ) ;   XXXX   XXXX   :  XXXX  ( this seems to be a credit card that I 've NEVER HAD and it looks as though this company is VIOLATING PROTOCOL and REAGING this account, PLEASE SEE FCRA GUIDELINES TO FAMILIARIZE YOURSELF WITH FCRA REGULATONS ) ;   XXXX   XXXX   XXXX  -  XXXX  ;   XXXX   XXXX   :  XXXX ,   XXXX   XXXX   :   XXXX    INQUIRIES :  XXXX  XX/XX/XXXX  - XX/XX/XXXX   ,    XXXX   XXXX   XXXX    -  XX/XX/XXXX  ,   XXXX   XXXX  -  XX/XX/XXXX ,   XXXX   XXXX  - XX/XX/XXXX   XX/XX/XXXX ,    XXXX -   XX/XX/XXXX   XX/XX/XXXX   XXXX  XX/XX/XXXX ,   XXXX   XXXX   XXXX   XXXX  -  XX/XX/XXXX ,   XXXX   -  XX/XX/XXXX   ** XXXX **-   XXXX   XXXX   XXXX   :   XXXX   XXXX   XXXX   :   XXXX  ,   XXXX   XXXX   :  XXXX ,   XXXX   XXXX   XXXX   :  XXXX ,   XXXX   XXXX   XXXX   :   XXXX    INQUIRIES :  XXXX -  XX/XX/XXXX ,    XXXX   XXXX   XXXX   XXXX  - XX/XX/XXXX ,   XXXX   XXXX  -  XX/XX/XXXX ,   XXXX   XXXX   XXXX  -  XX/XX/XXXX