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

I trust this correspondence finds you well. I am writing to express my profound frustration and disappointment concerning the continuous presence of fraudulent items on my credit report, despite numerous attempts to address this issue through your dispute resolution process. 

I have engaged in a persistent effort to rectify this matter by submitting numerous dispute requests, each accompanied by thorough documentation and evidence establishing the fraudulent nature of the listed items. Unfortunately, these diligent attempts have proven ineffective, and the fraudulent items persist on my credit report. 

I urgently request the following actions be taken : Conduct an immediate, thorough, and comprehensive investigation into the fraudulent items listed on my credit report. 
Provide a detailed explanation for the repeated failures to remove the fraudulent items despite multiple disputes. 
Expedite corrective measures to rectify the inaccuracies and promptly update my credit report accordingly. 
Furnish written confirmation of the resolution, including a clear timeline for completion. 
In light of the ongoing challenges and the adverse impact on my financial standing, I insist on a resolution within the exact timeframe from the date of this letter. The persistent presence of these fraudulent items has caused significant distress, and a swift resolution is imperative. 

Failure to address this complaint promptly may necessitate escalation to regulatory authorities, and I may seek legal counsel to uphold my rights as a consumer. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

All three credit bureau informed that I had a new collection with JEFFERSON CAPITAL SYS XXXX XXXX XXXX XXXX, MN XXXX Phone number ( XXXX ) XXXX in the amount of {$350.00} opened XX/XX/2023. XXXX has gone out of business over 5 years ago. I do not have any account with XXXX. 
I called and asked who the original creditor was and lady refused to give information. She asked for a credit card to pay some fee. I said no. I continued to ask the lady about the false information. She put me hold and then hung up.
Product: Credit reporting or other personal consumer reports

There is information on my credit report that is a result of identity theft that I did not provide information for or any written permission or instructions for the identified transactions to be reported on my consumer credit report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block is not being made on the basis of misrepresentation of fact by me relevant to the request to block the identified transactions are not information related to any any transactions by me as the consumer. You are required to do what I am asking and block these transactions from being reported to my consumer report within XXXX  days from the date of receipt. I look forward to your response. Thanks
Product: Credit reporting or other personal consumer reports

Loan mart account number XXXX ause this charge off account is a canceled debt, the IRS states that, federal or government agencies or applicable financial entities ( a creditor ) who discharge ( cancels or forgives ) debts owed of {$600.00} or greater require that the creditor and the debtor submit a 1099-C form. 

In other words, the IRS defines this as ordinary income. 

Therefore, it is inaccurate because this is no longer classified as a debt but is INCOME due to the fact a 1099-C form was filed
Product: Credit reporting, credit repair services, or other personal consumer reports

You, MONEYLION INC # XXXX, Inc must be a Third-Party DebtCollector and I do not give you permission to interfere into My Commercial affairs. If you are assuming that you are representing Me, you are Hereby Fired and your Power of Attorney is hereby Revoked. As proof of claim, complete the attached CREDITOR DISCLOSURESTATEMENT and return within 15 days. Failure to respond with the completed CREDITORDISCLOSURE STATEMENT, thereby providing your verified Proof of Claim, signed under the penalties of Perjury and verified by your affidavit, you, MONEYLION INC # XXXX, Inc are agreeing to your Commercial Dishonor, exhausting My AdministrativeRemedies. I will accept your Silence as an Acceptance, and your agreement that a Default entered against you. You will also agree to a Full Tacit Contractual Agreement being a participant in Fraud and to forfeit all remedies under Administrative Law, Judicial Law, and/or MARITIME CLAIM RULES C ( 6 ). You should also be aware that sending unsubstantiated demands for payment through the United States Mail System might constitute mail fraud under federal and state law Your failure to satisfy this request within the requirements of the Fair Debt Collection Practices Act will be construed as your absolute waiver of any and all claims against me, and your tacit agreement to compensate me for costs and attorney fees. This is my notice to MONEYLION INC # XXXX, Inc to Cease and Desist 15 USC 1692c 805. Communication in connection with debt collection. I have no paperwork or contract for business with MONEYLION INC # XXXX.
Product: Credit card or prepaid card

Seed Consulting LLC. ( known as XXXX XXXX ) partners ( works ) with a crook Company named XXXX XXXX XXXX. and acts as a fundamental customer funding tool, enabling XXXX to rip people off by providing credit cards to drain and pay to XXXX for easily trusting people like me.

A year ago I trusted XXXX company and purchased their program which I didn't have money to purchase. A team of 5 representatives from XXXX XXXX were present in the event to hunt people like me that have no money and provide them with credit cards to make them to buy XXXX XXXX programs and in return charge/gain almost {$4000.00} in commission.

As a result of their partnership, I am under {$60000.00} of debt in credit cards that I am not able to pay back and has resulted in bad credit for years to ruin my life ( which before this my credit score was XXXX ). Only because of false hope that we are going to make triple of this amount in a matter of short time of 2 months.

At the moment, there is a legal case taking place against XXXX XXXX in a federal court in Florida that is filed by hundreds of victims like me. The following link is a proof of it.

( XXXX  ) XXXX XXXX was fully aware of the predatory nature of this company because they have been managing many of these events hand in hand nation-widely from before and carelessly cooperated with them to gain their lucrative commission.

To me XXXX XXXX is as predatory as XXXX XXXX, Because without XXXX XXXX, XXXX XXXX   would have been powerless and would not be able to prey on innocent people who believed in them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed a collections account through the CFPB. The collections account is XXXX XXXX XXXX. The collection agency XXXX XXXX XXXX responded to the complaint agreeing to remove the account from my credit report, however the account remains. I have attached a copy of the correspondence from XXXX XXXX XXXX along with a copy of my photo ID to this complaint.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, a national disaster FEMA XXXX negatively affected my business XXXX XXXX XXXX XXXX XXXX I own and operated remotely from Florida . The negative impact my finances. 

I read from HUD website I could get relief and on XX/XX/XXXX I began application for a forbearance. The process finished and I got approved for 3 months plan. 

On XX/XX/XXXX I called back explaining my Fiancial situation improved and I was ready to make payments starting XX/XX/XXXX. The mortgage representative assured me over the phone that the payments could be deferred toward the end of the loan. I asked I was required to make a payment. I was told it wasnt needed. 

I was also not told about any negative credit marks and XXXX XXXX XXXX  Was made aware that Becuse of a disaster I would qualify for a defaral without negative credit impact, however the mortgage agent misled me and later a 90 day late negative mark hit my credit. I tried to dispute with the mortgage company and credit bureau without success.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to contact the credit reporting agencies to correct negative, incorrect information being reported which is causing me harm due to the fact I can't conduct certain business necessary to take care of me and my family 's needs. It is nearly impossible to speak with anyone at any of the CRA 's. The operators either disconnect the call or there is only an automatic response prompt which is never helpful.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, Approximately XX/XX/XXXX I paid off a payday loan and paid off the loan and paid off interest payment totallying XXXX. In XX/XX/XXXX I paid XXXX in interest hoping this would be Remove off my XXXX Report. The account # XXXX what I noticed in this matter XXXX & XXXX payday loan are the same company meaning they merge together into one company. The settlement was excepted and that this item is still lingering on my XXXX  Report. Please can this item can be removed of my XXXX report. 

Thank you
Product: Debt collection

Bankruptcy Case No : XXXX CALIFORNIA. Real Time Resolutions ( RTR ) filed fraudulent mortgage loan documents with no dates, under penalty of perjury in their untruthful claim # 1 then tried to cover it up with all kinds of moot court cases. That has nothing to do with the fraud they are trying to commit.
Product: Vehicle loan or lease

We have a auto financed through XXXX XXXX. XXXX XXXX XXXX which was purchased for {$9900.00} but the loan was transferred to Santander Consumer USA, we have made monthly payments ( some late ) for the last 4 years, a total of {$20000.00}. According to Santander USA, we still have a balance of {$21000.00}. A car that was sold under $ 10K, which is now worth {$1200.00} according to XXXX XXXX XXXX. Unable to come out of this debt, the car was repossessed and we still  have a balance of over $ 21K. How can it be LEGAL for a loan company to charge over {$30000.00} of interest on a loan that was under $ 10K? we believe Santander Consumer USA is acting as loan sharks charging fees and increasing interest rates without notifying the client or adding it in areas that was not indicated by the sales person. We have seen a class action law suit against Santander Consumer USA for the exact same thing in which thousands have signed up. can you help us?
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally report a recent data breach and the subsequent misuse of my credit information. I believe that my personal and financial data has been compromised, leading to inaccuracies and possible fraudulent activity on my credit report. Below, I outline the issues and seek your assistance in resolving the situation. 
I have attached the following documents with items that have been negatively affected my this data breach. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly, as it has had a significant impact on my creditworthiness and financial well-being. Additionally, I am seeking guidance on any further steps I should take to mitigate any potential damage caused by the breach. 

Please let me know if you require any further information or documentation to assist in your investigation. I look forward to your prompt response and support in resolving this critical issue. 

Thank you for your time and attention to this matter. 

Sincerely, [ Your Name ] Feel free to customize the details as per your specific situation. 



Attach Search Reason
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX : {$260000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a XXXX  XXXX XXXX XXXX awhile back to build my credit and the card has not been reported to 3 credit bureaus. They promised to report and help build credit and when I called them they said they sent the info to the bureaus but I see nothing reporting this card
Product: Vehicle loan or lease

On XX/XX/XXXX I sent in the Remittance Coupon/Negotiable Instrument for {$10000.00} to XXXX XXXX XXXX XXXX Exeter Finance LLC . I received a letter in mid XXXX calling my documents fraudulent. We asked for them to send back our documents and they refused to send them back. By not returning these documents constitutes securities fraud. According to the Postal Rule the documents are accepted once mailed. Also according to UCC 3-603 ( b ) that refusal of payment results in discharge of the debt.

-On XX/XX/XXXX I sent in the First Opportunity to cure to XXXX XXXX XXXX XXXX with no response. 
-On XX/XX/XXXX I sent in the Second Opportunity to Cure to XXXX XXXX XXXX XXXX with no response. 
-On XX/XX/XXXX I sent in a letter requesting a GAAP audit to the Board of Directors. ( I did miss date this for XX/XX/XXXX by accident it was suppose to be XXXX ), with no response.

When I purchased the Vehicle from XXXX XXXX the only document with Exeter Finance LLC on it was signed by the Notary from the Dealership, not myself. I am attracting this document as well and you will see there is only one signature on it. One signature does not make a contract, therefor there is no contract between myself and Exeter Finance LLC. If there is I was never made aware of itXXXX I am unaware of any Adhesion Contract if there is any, which are illegal.

In between the letters that I sent there would be periods where I wouldn't get any calls and then days where I would get three in a day and several times they would hang up after I answered the phone. On several occasions I have asked for someone from the presidents office to call me and was told they would to never actually get a call from them. I have also requested that they call me after XXXX XXXX as I work third shift and they routinely call me before then. 

I have also asked a couple times for a True Bill to be sent to me that I have never received.

Here in the last 2 weeks I have received a few calls that were aggressive in nature. They have also tried to give me legal advice on the laws unsolicited. On one day they actually called a second time even after speaking to me earlier.

My Credit Report is showing the account has been charged off. Yet I am showing my balance to be increasing. Today when I spoke to a representative that called me I told them to send me the 1099-C so I may report it on my taxes.
Product: Credit reporting or other personal consumer reports

I have submitted multiple credit disputes to XXXX, XXXX, and Equifax in regards to a student loan balance that's showing on XXXX. This consolidated student loan was supposed to be completely forgiven, all payments returned, and removed from my credit reports by XX/XX/2024 as outlined by the XXXX v. XXXX settlement agreement but XXXX refuses to remove the balance. When I communicated this to the credit reporting agencies with the evidence that shows it should be removed from my credit they refuse to remove it from my credit report stating that the debt is correct.
Product: Debt collection

XXXX XXXX XXXX put a collection on my credit report the collection is reporting on XXXX, XXXX, XXXX this perticular collection from XXXX has been removed off my credit once or twice and here we are again it came back on my credit the collection appeared back on my credit XX/XX/year> for a balance of XXXX dollars. So i called source recievables mng to dispute this collection they was very rude telling me wut i did and didnt do they also stated that i couldnt dispute this collection and they also stated that they didnt know wut dispute means so when i got off the phone with source recievables mng i called XXXX XXXXXXXX XXXXXXXX to dispute the collection.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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  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 information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to you with a sense of urgency and frustration that can not be overstated. It has come to my attention that despite repeated attempts to resolve the matter, fraudulent accounts continue to plague my credit report. This is an outrageous violation of my rights as a consumer and can not be tolerated any longer. 

Your persistent failure to rectify this situation is not only unacceptable but also deeply concerning. The presence of these fraudulent accounts is tarnishing my financial reputation and causing significant distress. I have been the victim of identity theft, and your bureau 's negligence is exacerbating the situation. 

The following accounts are need to be remove : XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX. 

I demand immediate action on your part to cease reporting these fraudulent accounts on my credit file. Your inability or unwillingness to do so reflects a gross dereliction of duty and a blatant disregard for the law. It is abundantly clear that your bureau 's practices are inadequate and must be rectified without delay.
Product: Credit reporting or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
. 

XXXX  Facts : XXXX is aware and has proof in the attachment labeled as Exhibit B. XXXX XXXX Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ) XXXX 


The inaccurate reporting of both my account status and payment status by ISLAND FINAN Account # XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Debt collection

I receive at least XXXX phone call a day from this number : XXXX location supposedly, XXXX XXXX FL. 
Eventually, after a couple of months they left a voice mail.I had to call XXXX. He identified himself as XXXX XXXX from Radius Global Solutions. 
Finally, today XX/XX/2022, I answered the call. The same gentleman told me I owed {$240.00} dollars on an XXXX XXXX XXXX XXXX that I had cancelled XXXX years ago after I left my position at The XXXX  XXXX XXXX  XXXX department. He gave me the last XXXX digits of the card ( I have no idea what they were- it was. while ago ) and said the debt had been passed on to his company for collection. 
I told him this was nonsense and hung up.
Product: Mortgage

When I attempted to make a payment on my mortgage back in XXXX of XXXX I was advised that was place on a COVID-19 forbearance. And I didn't request it and when attempting to make payment to get off of forbearance I was placed right back on. And in XXXX of XXXX attempted to make a payment and that payment was sent back. However I was able to actually make on payment that they did take and post to my account in XXXX of XXXX that accepted. And then I was placed back on the forbearance that I didnt ask for. I was advised in XXXX of XXXX that the forbearance would be ending. Contacted Flagstar bank to see what steps needed to be taken and at that time I was advised that I would be contacted or receive documents. Received a loan modification packet which I signed and sent back by the required date. A week or so after sending the loan modification packet back I received another set of the same exact loan modification documents with the same exact return date that was had passed. At the end of XXXX I received a letter stating my loss mitigation case had been closed. Contacted Flagstar bank to find out what was going on and was advised at first that the documents weren't uploaded but they had received and that they would be uploaded and sent to underwriting. Called back later that week to find out if documents were upload so that way a payment could be made and I could get back on track. I was then advised that on the loan modification packet the county of XXXX was not written in so underwriting denied it. I feel like I they set me up to take my home. I am more than capable of making my payments and want to make payments. Was advised that I got a second set of documents and advised when I got them. At that time I asked could I send those in the second set of the modification packet that was sent even the date had expired. And was advised that I couldn't and would need to start all over again with the loss mitigation case. I have attempted to do that sent in documents. Called them last week Monday to gather what else was needed sent those and received a letter yesterday in the mail that my case is closed again and now there is a sale date for on my home for XX/XX/XXXX. I am a father of XXXX and feel like they are trying to set me up for failure. How are they able to put you on a forbearance then send documents but now want to take my home. They need to fix this and accept the modification that was sent or allow me to send in the other set that I still have. I shouldnt have a sale date of any kind when the modification packet was signed, notarized and sent back by the date required. If I knew that this was going to happened I wouldve declined the forbearance. They should not be allowed to set people up like this to take their home away that you work so hard to build for your family.