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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, had violated my rights. 

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

15 U.S.C 1681 Section 602 A Section 2. Also states a consumer reporting agency can not furnish a account without my written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Debt collection

I disputed PORTFOLIO RECOVERY ACC # XXXX last XX/XX/2018 through the credit bureaus and by sending Portfolio Recovery a validation request. More than 30 days have past and still, nothing happened. Did not receive any proper validation documents from Portfilio recovery. Moreover, upon checking my credit report, I found evidence of this companies violations which I elaborately explained on a separate document attached to this compalint. Violation such as missing/inaccurate informatio, misleading/incorrect creditor type etch. All of which violated both FCRA and FDCPA. This is the last I am giving you. I will not hesitate to bring to to court if nothing still happens.
Product: Mortgage

I applied with Quicken Loans to purchase a home in XXXX. Our current residence is XXXX and I am a XXXX, XXXX employed for over XXXX years. We have high credit scores, a low debt to income ratio, and we are paying almost XXXX percent down. The reason for our decline is that Quicken is stating they will not do a loan for a XXXX employed person moving out of XXXX. This is quite a statement coming from a company who markets all over the United States. I can do business in XXXX or any State from any location. Our company has the tools to use the internet to conduct our business without having to meet face to face. My wife and I have been discriminated against based on a XXXX employment income. We have a ten thousand dollar deposit on the house and may very well lose that deposit.
Product: Payday loan, title loan, or personal loan

On Friday, XXXX XXXX, XXXX, while reviewing my XXXX credit report, I noticed that 2 loans that I had taken with Rise Credit were incorrectly reported as open. The two loans, opened on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, were paid in full, as agreed, on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX respectively. 

It was then made clear that Rise stopped reporting the loan information once they were paid. 

I therefore followed up on XXXX/XXXX/XXXX with Rise 's internal disputes team at the suggestion of the customer service agent. He suggested a 2 day turnaround. I still have not heard from Rise, nor have they acknowledged my complaint. 

Therefore, today, XXXX XXXX, XXXX, I have disputed the information with XXXX, as well as filed this complaint with the CFPB.
Product: Credit card or prepaid card

Ive tried multiple times disputing these transactions that i did not authorize in which if you clearly go back on my bank statements this particular card in question that i called about the represenative told me that yes my card and my account was compromised but back to my statements these transactions in questions ive never used these merchants before and when i tried to dispute them with bank of america they denied them the dispute then they sent me a letter saying they will open my case up again and investigate it and my case will be open until XXXX of XXXX but i just received another letter saying again it was denied the first claim in question is for the amount of {$480.00} the claim number for this one is XXXX this has been an ongoing claim for a few months now even when they claim seem to have closed the claim and i couldnt understand why i had left it alone but they were the ones that decided to open up the dispute again just to deny it so thats when i decided thats not fair obviously they seen something was wrong but they just didnt want to give my money back ive received the latest denial letter XX/XX/XXXX for card ending in XXXX the next unauthorized charges i tried disputing was for XXXX XXXX purchas on XX/XX/XXXX $ XXXX a XXXX XXXX purchase on XX/XX/XXXX for - {$170.00} and another charge on XX/XX/XXXX for $ XXXX using card ending in XXXX which again i did not authorize.
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX  Original Creditor : XXXX XXXX Balance Owed : {$1000.00}
Product: Credit reporting or other personal consumer reports

My wife and I reviewed our credit reports and noticed we have XXXX XXXX listed on our reports. We have sent letters to the bureaus requesting info on who reported them to the bureaus. We specifically asked for METHOD OF VALIDATION. According to the FCRA, each bureau has XXXX business days to respond to a request for method of validation for a bankruptcy. We have TWICE requested this information within XXXX months from the bureaus, and none of them have responded with this information. The bureaus have not demonstrated that they have properly validated the XXXX information reported.
Product: Credit reporting or other personal consumer reports

According to FCRA section 605B, it is illegal to report anything on my credit report without my permission. Please remove this inaccurate information. Thank You
Product: Credit reporting or other personal consumer reports

Dear Experian Representative, I am submitting this formal request to remove fraudulent information from my credit report. Attached is my FTC Identity Theft Report, reference number XXXX, which documents the unauthorized activities associated with my identity. 

Upon reviewing my Experian credit report, I discovered numerous errors, including fraudulent accounts, unauthorized inquiries, and inaccurate personal details. The following information does not belong to me and must be removed : Addresses : 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 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 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 XXXXXX/XX/XXXX These entries do not reflect any of my actions or authorizations. I request that Experian promptly remove the fraudulent accounts, unauthorized inquiries, and inaccurate personal details listed above. Additionally, I ask that a fraud alert be placed on my profile to help prevent further unauthorized use of my information. 

Please process this request as soon as possible in compliance with the Fair Credit Reporting Act ( FCRA ). Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the removal. 

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

XXXX reported 5 missed payments to the credit bureaus for months XXXX  through XXXX of 2015. This loan account was initially opened with XXXX and at a different point sold to XXXX. I, the borrower, was never notified of the sale. When payment became due for this account, I believed letters from XXXX regarding payment and balance were fraudulent. After some research several amounts later, I discovered that loan had been sold without notice to me. I reached out to XXXX  by letter and the credit bureaus to resolve this issue. XXXX responded to say the reported information was accurate and they were not at fault for lack of communication/notification. The credit bureaus said they reported what they had received. 

All payments to this lender since the time of my discovery have been made on time in XX/XX/2015. I would also like to add that from XXXX to XXXX of 2015 I made payments totaling {$730.00} to show I was attempting to correct a problem I didn't create.
Product: Credit reporting or other personal consumer reports

This letter is a formal dispute and request for investigation under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 et seq. The FCRA mandates credit reporting agencies to maintain accurate information in consumer reports. The following provisions support my dispute : 1. 15 USC 1681e ( b ) - Accuracy of Information : This requires credit reporting agencies to ensure maximum accuracy in consumer reports. The inaccurate names and addresses negatively impat the accuracy of my credit report. 2. 15 USC 1681i - Duty to Investigate : This provision obligates credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of their credit report. I request a thorough investigation into these inaccuracies. 3. 15 USC 1681c - Disclosure of Consumer Reports : This stipulates that consumer reports should only include relevant and creditworthiness-related information. The inaccurate names and addresses do not contribute to an accurate representation of my creditworthiness and should be removed. I kindly request that you investigate the accuracy of the names and addresses associated with my credit report, remove the inaccurate accounts, and provide me with a free copy of my updated credit report. Failure to address this dispute may result in legal action as permitted by the FCRA. Thank you for your prompt attention to this matter.
Product: Debt collection

I am writing to formally request the removal of a disputed item from my consumer file. Despite my efforts to have the inaccurate and incomplete reporting verified by the information furnisher, no resolution has been achieved. I respectfully urge you, as the credit bureau, to adhere to the legal obligations outlined in the Fair Credit Reporting Act ( FCRA ) and promptly eliminate the contested account listing from my credit report. The accounts in questionDEPT OF EDUCATIONXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$9900.00}, DEPT OF EDUCATION/XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$9200.00}, DEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$9200.00}, and DEPT OF XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : $ XXXX a notice of dispute from me, prompting your credit bureau to confirm the account 's verification. However, knowing that the information was unverifiable, I proceeded to dispute it directly with the furnisher of information, as allowed by the FCRA. Regrettably, the furnisher has failed to provide any substantiating evidence or respond in any manner. I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Product: Credit card or prepaid card

I am writing to dispute a charge of {$15000.00} to my debit card linked to my checking account initiated on XX/XX/2021. I have never purchased anything form the merchant, XXXX, and have never given them my information, nor signed any contract authorizing the repeated transactions. I have no idea how they obtained my information, or managed to continually charge my card. 

Over a course of about 3 months, from XX/XX/2021 - XX/XX/2021, XXXX charged my card XXXX different occasions for varying amounts ranging from {$250.00} - {$2000.00}, along with associated international transaction fees. 

I did not approve any of these transactions and reported them to Bank of America Fraud Disputes who have ignored my disputes and claims. 

I have contacted both parties involved multiple times. I have not received any return calls or emails from the fraudulent merchant. I have cooperated with the investigation set forth by Bank of America and they continue to fail to pursue the fraudulent merchant.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received a notice from Capital One that my account balance was XXXX. My account limit is XXXX. I made a XXXX payment on XX/XX/XXXX to avoid having the account over the limit. Then on XX/XX/XXXX payment of XXXX was made to Capital One and now had a XXXX balance. 

My concern is that the account was over the limit as of XX/XX/XXXX with a balance of XXXX but was paid off within 3 days. The account was not over the limit long enough to be reported to the credit bureau. I called Capital One and they stated that it should not have been reported to the credit bureau and that it was a mistake. Never the less, their actions have affected my credit score. 

I want this resolved and Capital one needs to correct the information that they have sent to all three credit bureaus.
Product: Vehicle loan or lease

Gateway One Lending & XXXX I had a loan with them. They just sold it to Santander Consumer USA.  There was no communication or no notification. They just closed my account which brought by credit down. Very pissed about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit card or prepaid card

I opened a Chase XXXX XXXX XXXX card around XX/XX/2022. This card offered XXXX XXXX XXXX points after spending {$3000.00} within the first 3 months. I completed this spending requirement within my first statement which cut in XX/XX/2022. 

My statement even shows my correct XXXX account and the XXXX points that were supposedly transferred to XXXX. The issue is that I still have not had any of these points ( not just from the sign up bonus, but points from later statements cuts also ) deposit into my XXXX account. I was told to wait XXXX weeks and did that. I have also submitted XXXX cases now regarding my points as I am unable to view the rewards dashboard whenever I log into my online banking ( no matter what platform I use ). 

No action has been taken besides being charged the annual fee for the card when I first opened it.
Product: Credit card or prepaid card

My bank paid off the card and I called to close the account and asked would they take off the late fee they said they would and I closed the account. I got a text message saying my payment was due so I called them. They said I owed {$16.00} dollars they said the charge came in after the bank paid them off. I told them I would call back the next week to pay them. When I called the representative a man said that the account was closed and he would take care of this. The next week I get a text saying my payment was late. I called again and was told I owed {$12.00}. I told the representative that I had been told I owed {$16.00} and it would be taken care of because the account was already close. He said ok, the next week I get text messages that Im late I call again Im told this time I owed {$72.00}. I told her if they record the calls like they say then they will hear what the previous representatives told me. She was rude and said the late fee was not taken off and I owed them the money I was not getting anywhere so I told them I was going to report them.
Product: Credit reporting or other personal consumer reports

I AM STILL SEEING SOME INACCURATE ACCOUNTS ON MY CREDIT REPORT. Please check the documents because I've included everything there regarding this important matter.
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against SPRING OAKS CAPITAL SPC LLC for what I believe to be unlawful and unethical debt collection practices. Below are the details of my complaint : Debt Information : Reference Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Amount : {$19000.00} Nature of Complaint : Lack of Verification : Despite my requests, SPRING OAKS CAPITAL SPC LLC has failed to provide adequate documentation to verify the validity of the debt. 

Discrepancies in Amount : The amount claimed by SPRING OAKS CAPITAL SPC LLC differs from my records and includes unexplained fees or interest. 

Harassment : I have been contacted at inappropriate times ( early mornings and late evenings ) and subjected to aggressive or threatening language, which is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

Inaccurate Reporting : SPRING OAKS CAPITAL SPC LLC has reported inaccurate information to credit bureaus, adversely affecting my credit score. 

Attempts to Resolve : I have contacted SPRING OAKS CAPITAL SPC LLC multiple times requesting verification of the debt and a breakdown of the amount claimed, but they have failed to respond appropriately. 

I have requested that SPRING OAKS CAPITAL SPC LLC cease all collection activities until the debt is properly validated, but the harassment has continued. 

Any other relevant documentation, I appreciate the CFPB 's attention to this matter and look forward to your assistance in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and someone used my personal information to obtain goods and services in my name without my permission. 

I did not benefit from any goods or services of these fraudulent accounts. I have attached a copy of my police and FTC report for Equifax to block and remove these fraudulent accounts immediately from my credit report.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I was contacted by a Social Security agent that was going to help me recover my stolen social # ( XXXX XXXX ). The man, XXXX XXXX sent me his badge & had my local police contact me that there was an investigation. I received this information on my phone while I was driving to a wedding. To freeze my accounts during this trial, I had to transfer some money to a federal account. 
I went to a TD bank in XXXX RI to do a domestic wire transfer of XXXX. 
The money was sent to an account in California. XXXX XXXX XXXXXXXX The money transfer seemed to go out around XXXX on XX/XX/XXXX. 
The next morning I called the XXXX Police to confirm our conversation from XX/XX/XXXX. They said, I did not talk to them. Then, I knew I had been scammed. I called the XXXX TD bank and XXXX filled out a claim form to let XXXX XXXX XXXXXXXX know the funds received was a fraud transfer. I talked to the Fraud department at TD bank & XXXX XXXX XXXXXXXX. On XX/XX/XXXX. I called the Wire transfer departments for both banks for the next 2 weeks. TD bank would not give me the claim #, would not tell me what happened to my money. All I was told was it was being investigated. They would not give me or allow me to talk to the investigator. Later I contacted the manager of my local TD bank & all he could tell me was TD recalled the money & told XXXX XXXX XXXXXXXX to send it back. 
XXXX XXXX XXXXXXXX for 2 weeks would not disclose any information to me because I didnt have an account there. The account in question XXXX XXXX XXXX was not my account. Yet, I have XXXX credit cards with XXXX XXXX  XXXX and had a car loan with them that I paid back. 
So I went to my local XXXX XXXX XXXXXXXX branch and talked to the VP. XX/XX/XXXX He arranged a call to the wire transfer depart of B A. We called & they would only disclose that they reached out to the account & no one called. The VP of the bank said to assume the money went into XXXX XXXX account. 

I have filed police reports, with XXXX & XXXX police. 
After one month, TD bank is through with their investigation. No information has been passed to me. XXXX XXXX the Asst. Manager of the XXXX bank did give me the claim #. I should be able to know exactly where my money went & be told this info. I know there are date time and stamps put on wire transfers. 

XXXX XXXX  XXXX should have given specific info to the VP of the bank. 
Also, next steps should have been given to me by both fraud departments.