23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX " XXXX? " from XXXX XXXXt ( XXXX XXXX ) services keeps calling my cell phone and leaving messages regarding a debt for my wife. I do not have a message identifying who I am on my voicemail, yet XXXX continues to identify himself as a debt collector and that he is trying to collect on my wife 's XXXX XXXX account. He has threatened legal action over voicemail, which couple with the blind identification of himself as a debt collector to a party who has not identified themselves, is a direct violation of the FDCPA. Although the debt in question is a valid one, it belongs to my wife and I have never been authorized to discuss or deal with this matter.
Product: Debt collection

I moved to XXXX XXXX with a transfer to a new job location. Covid19 came and I have been out of work since. I have not been looking for work consistently and I need my credit to be in decent standing for the jobs I am applying for.
Product: Credit reporting or other personal consumer reports

i have a hard inquiry on my credit from JPMCB card i never authorized them to run my credit and i do not have any acknowledgement of this. I have contacted them and they have done nothing to help me resolve this matter, i have filed a report with identitytheft.gov
Product: Debt collection

To Whom this may concern : As I have not heard back from you in over 30 days since my last formal written notice of dispute, and since you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

In a good faith effort to resolve the matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action, and correct any erroneous reports of this debt as mine. 

For the record, I state again : As I have no account with you, nor am I your customer, nor have I ever entered a contract with you, I must ask you to provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.

You have fifteen ( 15 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you placed this on my credit report ( s ) in error and that this matter is permanently closed. Your continued silence in this matter is unacceptable. Either provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it to.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

I affirm, under penalty of perjury under the Laws of the Land for these United States of America, that the foregoing is true and correct, to the best of my knowledge and belief, so help me God, pursuant to 28 U.S.C. 1746 ( 1 ). Witness My Hand this XXXX day of XXXX of 2024. 


CC : Better Business Bureau, FTC, Attorney General of Washington
Product: Credit card

I am writing to formally file a complaint and request your intervention regarding adverse actions taken by Capital One against my credit card accounts. The adverse action transpired on XX/XX/2023, and included the closure of one of my accounts on XX/XX/2023. 

The affected Capital One credit card account numbers are as follows : XXXX XXXX XXXX XXXX XXXX Capital One has failed to comply with the notification requirements for adverse actions, and I have not been provided with a clear and detailed explanation for the adverse actions taken against my accounts. Additionally, one of my accounts ( account number XXXX ) was closed on XX/XX/2023, with Capital One citing fraud and violations of the consumer agreement. Despite repeated attempts to seek clarification from Capital One, I have not received the necessary information to understand the basis for these allegations. 

I kindly request the Consumer Financial Protection Bureau 's intervention in this matter to assess Capital One 's adherence to consumer protection laws, specifically in relation to adverse action notification requirements. The lack of transparency and communication from Capital One has left me in a state of uncertainty and distress, and I believe their actions may be in violation of regulations such as the Equal Credit Opportunity Act ( ECOA ) and the Fair Credit Reporting Act ( FCRA ). 

I am seeking the following from the Consumer Financial Protection Bureau : A thorough investigation into Capital One 's compliance with adverse action notification requirements for the aforementioned accounts. 
Assessment of the reasons provided by Capital One for the closure of account number XXXX, including evidence or documentation supporting claims of fraud and violations of the consumer agreement. 
Any relevant information or evidence that Capital One may possess regarding the adverse actions taken against accounts XXXX, XXXX, XXXX, XXXX, and XXXX.
Product: Checking or savings account

XXXX transactions totaling XXXX were fraudulent. I disputed the charges and was denied. No paperwork has been sent to me
Product: Debt collection

Subject : Cease and Desist Notification Pursuant to 15 U.S.C. 1692c ( c ) Account # XXXX This letter serves as my formal notification that, under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), I am requesting that you immediately cease all communication with me concerning the alleged debt associated with account number [ Account NumberXXXX ]. 

Please be advised that the FDCPA prohibits debt collectors from further contacting a consumer upon written request to cease communication, except to confirm receipt of the request, inform the consumer that no further action will be taken, or notify the consumer of specific legal actions that may follow. Any further attempts to contact me beyond these exceptions will be considered a violation of federal law and subject to appropriate legal action. 

This request applies to all forms of communication, including but not limited to : Phone calls ( including calls to my home, work, or mobile phone ) Written correspondence Electronic communication ( e.g., email, text messages ) Please note that failure to comply with this request may result in my filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and/or my state attorney generals office. Additionally, I reserve the right to pursue legal remedies available to me under the FDCPA and other applicable laws. 
If you believe this debt is valid and intend to take legal action, please limit your correspondence to written communication sent to the address provided above. 
Thank you for your prompt attention to this matter. I trust that you will honor this request and ensure compliance with the law. 

Sincerely, XXXX XXXX
Product: Mortgage

I am in the process of trying to complete a short sale. The bank is Nationstar Mortgage ( XXXX XXXX XXXX XXXX or XXXX ). I have called them repeatedly and they refuse to give me any information about this loan citing litigation that I know nothing about. They hang up on me each time I request information. They did ask me to call XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ), who is representing them for some reason. I called them and they told me they are awaiting some documentation from Nationstar and could give me no further information. They referred me back to Nationstar. At this point I 'm extremely frustrated because I have a buyer for the house. I received a notification from XXXX et al that the foreclosure has been canceled yet Nationstar is not allowing me to move forward with the short sale and has not given me a reason for doing so. I am lost and do not know what to do at this point. They are stone walling me and causing me some duress. I speak to these people and there is a certain amount of glee in their voice. They have the nerve to tell me I 've forfeited my right to any information about this property. That 's unconscionable. They repeatedly have me send the same information over and over again stating that I am missing some document when i know i have sent it. See attached letter. What they are doing is just plain wrong.
Product: Vehicle loan or lease

Well they refuse to change, my pay dates so I will be able to pay my car note, and they refuse to lower my payments and they charging me a late fee because they keep scheduling my payments on the XXXX of every month and they know I don't get pay on that date and then they want to charge me a late fee.
Product: Credit reporting or other personal consumer reports

Friday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH, XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax, XXXX received a copy of my credit report and am writing to dispute the following information that appears on my Equifax report XXXX 

Please verify or remove immediately the following accounts : XXXX XXXX XXXX , XXXXXX/XX/XXXXXXXX I never had a contract with this debt collector for any debt. 
Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

XX/XX/XXXXI previously disputed this account stating : " I dont remember ever being late with a payment on this account. '' I don't agree with the results of your investigation. 
Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

XX/XX/XXXX I previously disputed this account stating : " I never had a contract with this debt collector for any debt. '' I don't agree with the results of your investigation. 
Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

XX/XX/XXXX I previously disputed this account stating : " I dont remember ever being late with a payment on this account. '' I don't agree with the results of your investigation. 
Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

The following inquiries are unauthorized or inaccurate, and I ask that you delete them : Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter. 

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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX & Account # XXXX, XXXX XXXX XXXX Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

First I began a dispute with the credit bureaus. Nothing was getting resolved. Every time I would dispute the investigation would say that the information was updated, which would change all the time. The payment updates would change to unknown. This is my credit report. If the data is unknown, then there is no data, and it should not be on my credit report. So I called XXXX XXXX. Need I remind you this is a recorded line and she said that she could not validate it. Then I said you would have to remove this. She said I would have to send a letter to the dispute team. I did so. They have not responded to my letter requesting validation. It has been well over 30 days.
Product: Credit reporting or other personal consumer reports

I filed a complaint with XXXX XXXX XXXX fraud department, and filed a police report. They sold the account to a third party knowing this was reported as a fraudulent account. I disputed it as fraudulent to XXXX twice, stating to them and showing documents that the name of the person they are looking for is not me and that I have never had service with XXXX XXXX XXXX. Instead of removing the account they added the name the company gave them to my credit report. I since then have disputed that addition and am seeking help from you because I am not and have never had an account with XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Violation of 15 USC 6802, 15 USC 1681b, 18 USC 1028a, 15 USC 6801 15 USC 1611, 18 USC 241 Dear Sir/Madam, I am writing to bring to your attention what appears to be a serious violation of various federal laws pertaining to consumer privacy and identity theft. As a concerned individual, I repeatedly discover that you have included unauthorized transactions ( late payments & charge off ) and experiences ( hard inquiries ) in my consumer report, despite never having provided written permission for such reporting. This activity not only breaches my privacy rights but also raises significant concerns about the security of my personal information.

According to the federal laws governing consumer privacy and identity theft, namely 15 USC 6802, 15 USC 1681b, 18 USC 1028a, and 15 USC 6801, you are required to ensure that consumer reports only contain information for which proper authorization has been obtained. This includes obtaining explicit written permission from the consumer before reporting any transactions and experiences related to their credit history and financial interactions. 

I must emphasize that I have not granted any written authorization to include these transactions and experiences in my consumer report. As such, their inclusion represents a clear violation of the aforementioned federal laws. I am particularly concerned that this unauthorized reporting is a form of identity theft, as my personal and financial information should remain private and secure. 

I kindly request that you promptly reinvestigate this matter and provide a detailed explanation for the inclusion of unauthorized information in my consumer report. Additionally, I expect you to take immediate action to remove all such unauthorized adverse information and rectify any inaccuracies in my credit history. 

Please be advised that I am prepared to take legal action if this matter is not adequately addressed within a reasonable timeframe. I believe it is essential to protect the privacy and security of all consumers and ensure that your organization complies fully with the laws in place to safeguard our personal information. 

I look forward to your prompt response and a resolution to this matter. Please acknowledge receipt of this letter and provide me with a timeline for your investigation and actions. 

Thank you for your attention to this critical issue. 

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

XXXX North XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XX/XX/XXXX consumer id : XXXX Iam writing to request an investigation of the following information that appears on my XXXX XXXX XXXX consumer report. I have NEVER opened or used the folowing account numbers : Contributor : RXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 i dont recognize the following accounts in question. im a victim of identity theft and i dont recognize these accounts on my report. im requesting the following information to be deleted from my XXXX XXXX XXXX report immediately! ive attached a copy the report this request. 

Thank you for your assistance Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. I'm gon na go to court. 

INQUIRIES : XXXX XXXX XXXXXX/XX/year> LATE PAYMENTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached Personal Documents are My XXXX  and Utility Bill Listed accounts were placed onto my consumer report without my permission. 

XXXX XXXX # XXXX XXXX XXXX # XXXX SEE ATTACHED DOCUMENTATION
Product: Credit reporting or other personal consumer reports

I was a victim of Identity theft in XXXX XXXX XXXX XXXX XXXX account was open fraudulently in my name and a loan was taken out as well. 

I have tried tirelessly to have this removed from my experian and XXXX credit report. I've reached out to XXXX XXXX as well to dispute this and they have not been any help.
Product: Credit reporting or other personal consumer reports

i am writing to formally dispute unauthorized inquiries on my credit report which resulted fron identity theft. i did not authorize these inquiries, nor did i apply for credit or services with the companies that access my report. I request that these inquiries be removed to prevent further damage to my credit profile. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

They have continually billed my account for 2 years and I was not able to log in and use their services. Submitted several lock requests in XX/XX/XXXX and XXXX, and XXXX. 

Major refund of all services because my subscription fee was rendered USELESS due to their continuous lockout and inability to refund or compensate for loss.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my Equifax Credit Report & observed hard hit inquiries that I don't recall authorizing. Therefore, I need Equifax to remove the following inquiries from my Equifax credit report immediately. The following multiple hard-hit inquiries are having a negative effect on my credit score, credit worthiness, & acquisition of credit. I have sent Equifax a letter with the hard-hit inquiries reflecting on my credit report that I don't recall authorizing & Equifax has failed to address this urgent matter & not even respond to my letter. Furthermore, in my letter to Equifax I requested that during their investigation if they were able to confirm I authorized the card hit inquiries to please send me a copy of the credit application that was signed & dated by me. 

XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX & XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

in response to complaint XXXX, XXXX failed to honor its own terms of services and have violated my privacy. It did not provide me with any authorization to share my nonpublic information. Equifax is not an affiliate of XXXXXXXX XXXX  and therefore have violated me according to privacy act of 1974. As a financial institution I am opting out per 15 USC 6802-6805.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am at a loss as to why my credit score is going down instead of up. I've reviewed my credit report for faulty information and the only thing I have found is that if I used a credit card and the balance has gone up a bit, my score goes down. I've been paying off a significant amount of debt and it takes months for that to show up on my credit report and hopefully have it go up. 

The system says 35 % of your score is based on paying on time. I can find no data showing I have ever been late. 30 % is based on amount of debt in relationship to available and I am running at 18-20 % which is well below the 30 % recommended. 15 % is based on length of debt. I'm XXXX XXXX XXXX so I have at least 40 years of exemplary debt history. 10 % is new credit-I opened a new account a year ago, and it went down. 10 % is variety of credit-I have a mortgage, multiple accounts of revolving debt, an RV loan, and a student loan I am co-signed on. 

Per online research when I pay off the student loan, my score will go down because my open credit amount will go down instead of going up because debt has been paid off. The same when I pay off my RV loan. When I don't use a credit card awhile, it is canceled without my consent and my open credit goes down and my score goes down. The only time I have significantly seen it go up was after two RV loans that were not canceled by the sleazy account manager, after I accepted one through the dealership caused my score to drop dramatically finally dropped off my report. But it did not go up as much as it had gone down. 

Why is there no benefit to paying off student loans, car loans, RV loans and mortgages? 

Doing research online confirms my belief that while I'm sure good intentions were there when this system was started, it has now turned into a scam manipulating credit scores based on factors unknown to the general public, resulting in consumers having to pay higher interest rates on consumer loans in the long run. 

My goal in writing this is that it will add my concerns to other consumers as to fairness/validity of the current credit reporting system, and hopefully result in a look into the system and possibly a revamping of the system for more transparency or a whole new system that is completely transparent and rewards those who are fiscally responsible.