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

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

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

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

I have informed the company multiple times not to call me and have told them to mark my account with a do not call. They continue to call my and the last time I told them if they did not mark my account as do not call and called me again I would be contacting the CFPB. The most recent call was today XX/XX/2024.
Product: Credit reporting or other personal consumer reports

I am formally disputing the inaccurate inclusion of a bankruptcy on my credit report. I have official documentation from the court that clearly states this bankruptcy should not have been reported to your agency. Despite this confirmation, the bankruptcy remains on my credit file, which is both misleading and unjust. The presence of this incorrect information has the potential to negatively impact my financial standing, and it is crucial that this matter be addressed immediately. 

Additionally, I am deeply concerned about the involvement of an unauthorized third party in this situation. This raises serious questions about the integrity and accuracy of the reporting process, making it even more critical that this issue is investigated and resolved without delay. The presence of unauthorized involvement only amplifies my concerns regarding the security and reliability of my credit file
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint against XXXX XXXX XXXX with the CFPB, I am compelled to demand that you provide communication exclusively through a printed letter on the status of ownership and how was the account assigned to your office. I request that you send me the proper proof that what you are reporting is true, or if you can not, to immediately remove it from my credit report. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for improper reporting of information to the credit bureaus regarding my credit history, actual defamation damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. Please deleted all this debt off my credit report.
Product: Debt collection

DBA PARAGON REVENUE ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX XXXX, XXXX, NC XXXX Phone : XXXX Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify DBA PARAGON REVENUE or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : DBA PARAGON REVENUE or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i am submitting these documents as requested by your company i am letting you know that my rights have been violated multiple times by your company and you have broken numerous laws - 15 USC 1681 SECTION 602 A STATES I HAVE THE REIGHT TO PRIVACY -15USC1681 SECTION 604 A 2 STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH OR REPORT ANY INFORMATION TO ANYONE OR COMPANY WITHOUT MY WRITTEN CONSENT OR INSTRUCTIONS-OR IF THE INFORMATION IS INNACURATE AND YOU HAVE NOT PROVIDED ANY WRITTEN INFORMATION SHOWING ANY OF THIS THE ACCOUNTS LISTED BELOW DELETE THEM FROM MY REPORT 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 XXXXXXXX ALL INQUIRIES THEY ARE UNAUTHORIZED
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 any account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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 of 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

I checked my credit report and seen that there were discrepancies, and it was started on XX/XX/. I've contacted the company, and nothing was done yet this is still on my credit which is hurting my credit.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX, XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$1300.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$1600.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$1300.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Payday loan

I did n't see the proper selection for my complaint so I chose ca n't contact lender. I am writing because I secured a loan with a company called the Cash Store in XXXX, TX. The loan sad for {$1200.00}. After securing the loan, my bank account was closed and the lenders were unable to get the loan amount or the interest from me. About 3 weeks later I got a call from an attorney saying that they were filing criminal charges against me for fraud. Saying that I passed a blank check in the state, when in fact, I never wrote a check. I only gave my debit card and they checked to make sure the account was active. I never got anything in the mail from this company, stating that I needed to retain legal representation, just a call from an attorney from a XXXX number stating that I needed to get an attorney or one would be appointed to me. They also stated that a warrant would be issued XXXX my arrest and that fraud would be placed on my record. The actions this company is taking in the state of XXXX is illegal. It is illegal for someone to be arrested for a payday loan in the state of XXXX, yet, they have threatened to do so. I want people to know that this is illegal. Is there any way you can help me get this taken care of? Thank you in advance!
Product: Credit reporting, credit repair services, or other personal consumer reports

An inquiry was done. On my credit report. By, the credit bureau. Credit bureau charges a service. For a unknown result. In, a personal. Matter of a not known result. 

Please do not forward attachment 's. 
Please do not forward e-mail 's. 

Please download attachment. Then send in another e-mail.
Product: Credit reporting or other personal consumer reports

unfortunately, I am a victim of human trafficking of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the validity of a debt reported by XXXX XXXX  for {$320.00} on my credit report. I am requesting your immediate intervention in this matter to investigate and remove the debt from my credit report as it is not mine. I have recently obtained a copy of my credit report from Experian, XXXX, and XXXX, and I was surprised to find an entry for a debt from XXXX XXXX  for {$320.00} as outstanding. I have thoroughly reviewed my financial records and can affirm, without a doubt, that I have never had any business transactions or contractual obligations with XXXX XXXX. I understand that under the Fair Credit Reporting Act ( FCRA ), it is the responsibility of the credit reporting agency to ensure the accuracy and verifiability of the information they report. 

Furthermore, the Consumer Financial Protection Bureau ( CFPB ) has been established to enforce the provisions of the FCRA and protect consumers ' rights. In light of the above, I kindly request that you initiate an investigation into the following matters : Provide a detailed verification of the debt, including the original creditor, date of inception, and any supporting documentation that substantiates the legitimacy of the debt. Verify that XXXX XXXX  has followed all required legal procedures in attempting to collect this alleged debt. Confirm that XXXX XXXX  has complied with all relevant statutes of limitations pertaining to the collection of this debt. Provide evidence of any contractual agreement or documentation with my valid signature, binding me to this alleged debt. I would also like to inform you that the inclusion of this erroneous debt on my credit report has had a significantly negative impact on my creditworthiness and financial well-being. It has affected my ability to obtain credit, secure favorable interest rates, and may have implications for future employment opportunities. I believe it is paramount to rectify this issue promptly to mitigate any further harm caused by this false reporting. Should this dispute not be resolved in a timely manner or if the debt is not conclusively proven to be valid, I will be compelled to pursue legal action to protect my rights under the FCRA, including but not limited to filing a complaint with the CFPB, engaging legal counsel, and seeking appropriate remedies available under the law. 

I appreciate your immediate attention to this matter and request that you provide me with written or emailed confirmation of the receipt of this dispute within 7 days from the date of this complaint. Additionally, I kindly request that you keep me informed of the progress of your investigation and provide me with a detailed response within 15 business days. Thank you for your prompt assistance in this matter. I trust that the Consumer Financial Protection Bureau will act diligently and impartially to resolve this dispute and protect my consumer rights. I look forward to a favorable resolution and the removal of this incorrect debt from my credit report.
Product: Mortgage

Misleading advertisement by the CapCenter, Virginia. The CapCenter advertises zero closing mortgages. For example, when quoted on-line it shows that for an investment property XXXX fixed loan is priced at 3.5 % and that closing costs are only the taxes to be paid. After application is filed ( XXXX is XXXX ), the company reports that they need to charge a $ XXXX fee because property is " investment '' or charge a higher XXXX ( XXXX higher than quoted on-line ). Both on-line and after application quote have the same information, same purpose, same assumptions and the same income information. This is a predatory lending practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes to you, and you took more than the 30 days the law allows. You are now breaking the law. Please investigate my disputes.
Product: Credit reporting or other personal consumer reports

I am writing to formally express my frustration and disappointment with the ongoing issues regarding fraudulent items on my credit report. Despite numerous attempts to resolve this matter, the fraudulent entries remain unaddressed. As a victim of identity theft, I have diligently provided all necessary documentation and followed the required procedures to dispute the fraudulent entries on my credit report. However, despite my compliance and persistence, these items continue to negatively impact my credit score and overall financial wellbeing. I kindly request that you could help investigate and remove the fraudulent items from my credit report immediately and provide a written confirmation once these items have been removed. I trust that you will treat this matter with the urgency and seriousness it deserves. Kindly help me remove the following items immediately : 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

This is my eighth 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, VA XXXX XXXX XXXX XXXX XXXX Balance {$460.00} XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX  XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1600.00} XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX ) XXXX Balance {$400.00} XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$3400.00} XXXX XXXX XXXX Bankruptcy Date Filed XXXX. XXXX, XXXX Reference Number XXXX.
Product: Checking or savings account

On XX/XX/2023 I made a deposit of {$230000.00} into my Investors Bank account ( which is Citizens Bank today ) and I was told a temporary hold would placed on it. ( No Problem ) It's now XX/XX/2023 and this hold is still in place after several conversations at my local branch with the managerand customer service representatives. It seems very illegal and unethical to hold my money for this amount of time. What kind of institution operates like this? I feel like I've been robbed!
Product: Credit reporting or other personal consumer reports

EXPERIAN suddenly changes my address on my credit profile after receiving misinformation inconsistent with all other credit lines and information reporting.
Product: Credit card

Wells Fargo refuses to provide its customers with an itemized bill for their charges and are unable to terminate a customers credit card with them. I spent no less than 3 hours with representatives at Wells Fargo to get a claimed owed balance of {$100.00} explained ; I talked to no less than 6 or 7 representatives to get an itemization of that bill and had to repeat my predicament to each representative ( which was a sheer test of patience and tolerance ). A dishonest person used my credit card illegally and made 2 charges on it a couple of months ago ; Wells Fargo told me that they made a full recovery on both items. So, those expenses have no relevancy with the current {$100.00} charge. Of that {$100.00} balance, they can only show I approved 2 billings on that credit card ( 1 for {$21.00} and a 2nd for {$17.00} ). So the only charges I authorized ( and that they acknowledge ) total {$38.00} ; when asked for an itemization for the remaining {$65.00}, I was refused. All they wanted to talk about was the activities of the dishonest person they caught and got financial restitution from, not what I had authorized. Unable to come up with an explanation for the {$65.00} charge [ and identify the retailer ( s ) associated with that charge ], I was simply passed onto another representative to repeat my concerns all over again in a deliberate attempt to frustrate ( and they succeeded ). I do have a rewards balance of {$30.00} on their credit card and they refused to apply it to the {$65.00} balance or offer the benefit directly to me.

Unable to appreciate Wells Fargo total disrespect and their claims that their bank is above the law and not required to justify anything, I then demanded that they ( Wells Fargo ) invalidate, void and terminate my credit card. They refused to honor that demand.

That dishonest person tried to rip-off Wells Fargo for {$300.00} and for {$50.00} ( on the same day ). How the {$100.00} balance is formulated makes no sense ( the one dishonest charge was for {$300.00}, so why the balance is not {$410.00} remains a mystery [ {$300.00} plus {$100.00} ] ). If Wells Fargo lied about the financial recoveries they made from the dishonest person ( or company ) ; well, that is reason for a second complaint. If Wells Fargo wants to punish a customer because their recovery team is understaffed, inept or slow to react, that is also reason for a second complaint. Of course, I am operating under the assurance that Wells Fargo offers theft protection ; if not, then that is reason to amend this complaint. All I ever wanted was to talk to someone who knows what their talking about or demanding and was refused.
Product: Debt collection

They call leaving multiple messages saying they need to speak to someone that is not me. Saying it is urgent the person they need contact them about a matter before them. 
This is from XXXX XXXX Recovery Division. XXXX XXXX XXXX. I asked them to stop calling me because they have the wrong person. They keep calling.
Product: Vehicle loan or lease

Vehicle was sold after repossessed. After what I owe was taken from sold amount there is a surplus of XXXX. 
Td says the check was mailed out on XX/XX/year> but never showed up. 
I have called numerous times and each roof it will be remailed.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 (a)(1)(A),  Credit reporting agencies (XXXX  , XXXX  , Transunion) are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts that they posted on my credit report.  I demanded to see Verifiable Proof (an original Consumer Contract with my Signature on it) that have on my credit file of the accounts. After I kept disputing and sending letters, they have failure to positively verify those accounts that has been hurting my ability to obtain credit.   Under the FCRA, unverified accounts must be removed, and they are unable to provide me a copy of verifiable proof. They must remove those accounts which have been listed on my credit report.
Product: Credit reporting or other personal consumer reports

My XXXX loans have been discharged by the Department of Education via the Borrower Defense. My loans were sold by the Department of Education and is now serviced by XXXX. The original loan was open on XX/XX/XXXX. However XXXX reported to the credit bureau that the loan was opened in XX/XX/XXXX. I have called several times to have the loans removed from my credit. I was told today that it takes a year to remove the loans from my credit report. This is hindering me from making major purchases and getting approved for small things as well. I have uploaded the discharge letter. I feel I am being extorted.
Product: Credit reporting or other personal consumer reports

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I XXXX review to see if this is actually an account that belongs to me
Product: Mortgage

I have had an approved Forbearance from XX/XX/XXXX to XX/XX/XXXX. 
I was promised that when my Hardship ended my current lender would take the balance owed from my approved forbearance and I would start paying my Mortgage with whatever the new payment would be for 30 years at my current rate of 3.875 %. 
I followed all the steps that I was supposed to from my lender and now I'm ready to start paying my Mortgage and they refused to follow their own agreement. 

All I want is to start paying my Mortgage someone please help me take my home back. 


XXXX XXXX