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

I am writing to formally notify you that I am a victim of a data breach, and fraudulent information has been reported under my name. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of the following accounts and inquiries from my credit file : Fraudulent Accounts : XXXX. Creditor Name : XXXX  XXXX Bankruptcy o Account Number : XXXX o Date Reported : XX/XX/XXXX o Balance : {$0.00} XXXX. Creditor Name : XXXX o Account Number : XXXX o Date Reported : XX/XX/XXXX o Balance : {$140.00} XXXX. Creditor Name : XXXX Bank o Account Number : XXXX o Date Reported : XX/XX/XXXX o Balance : {$1500.00} XXXX. Creditor Name : XXXX XXXX XXXX XXXX  o Account Number : XXXX o Date Reported : XX/XX/XXXX o Balance : {$1100.00} Fraudulent Inquiries : XXXX. Creditor Name : XXXX XXXX XXXX o Date of Inquiry : XX/XX/XXXX
Product: Debt collection

As a victim of identity theft, fictitious loan schemes, I am entitled to victim civil relief fund Consumer Financial Protection Relief 12 CFR Part 1075 Docket CFPB 2013 XXXX XXXX  XXXX XXXX Consumer Financial Civil Penalty Relief Fund Billing Code XXXXXXXX XXXX XXXX XXXX, with XXXX XXXX opened up fictitious loans against my property under identity theft, deed fraud, and without my knowledge, without my authority and without my consent, under fraudulent identity theft, fictitious loans. 

The loans were taken, with the aid of government employees, that knew the loans were being placed on property without any legal authority, protocols or safeguards. 

The loans have exceeded over {$350000.00} and Rushmore Loans has responded that these fictitious loans can unlawfully seize my property. 

The Rushmore Loans company has facilitated fraud by ignoring claims of identity theft that has been confirmed with evidence showing the facilitation of fraud by dozens of parties that used government resources, government employees and government facilities to gain and benefit of fictitious loans, and equity skimming schemes.
Product: Checking or savings account

I am filing a complaint regarding multiple overdraft fees Applied to my account. Despite Having sufficient funds during The times the transactions were authorized. I was charged overdrive these due to the delay in the posting of charges and credits. 

This situation mirrors, the recent findings by the CFPB Regarding Navy Federal practices where are the overdraft fees are accessed or transactions that settled with insufficient balances even though funds were available when the transactions were initiated I believe these transactions are unfair respectfully requesting an investigation into my account. In the specific transaction in question
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled a debt/collections directly with XXXX XXXX that was sent to Sequium asset solutions on We've received your payment, thanks. 




Payment Amount : {$680.00} Payment Date : XX/XX/2020 Payment Method : MasterCard ending in XXXX Account Number : XXXX and was told it would be updated and permanently removed from my credit report Sequium is still reporting inaccurate information.
Product: Debt collection

My XXXX & I moved out of XXXX XXXX XXXX on XX/XX/2021. On XX/XX/2021 I receive a letter from ProCollect stating my unpaid debt is going to collections. Never received anything prior about a debt. I emailed XXXXroCollect which is an in-house collection agency for XXXX XXXX , the management company that owns XXXX XXXX XXXX XXXX questioning the debt and requesting photograph is evidence of the debt. I was emailed an invoice & photographs claiming to depict the damages which resulted in the charges. 

I disputed the charges and clarified the photographs and what they showed and never heard back from ProCollect. I have followed up 3 times since XXXX. I was told to forward all evidence to specific emails, I did so and never get a response. But they have since sent my account to collections and is now reflecting on my credit report. 

I was also emailed a copy of my lease with XXXX XXXX XXXX  which clearly show I was NOT told about the move-out cleaning instructions. 
I have since spoken to an XXXX and am disputing thee charges yet again.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$590.00} Account was settled with XXXX XXXX XXXX ... grave errorsfalse claim and reportingI want this account removed immediately or litigation may follow. 
Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
You can not collect a debt twice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB Staff, Equifax has repeatedly violated the THE FAIR CREDIT REPORTING ACT ( FCRA ) [ 15 U.S.C. 1681 ]  concerning a fraudulent account being reported on my Equifax Credit Report titled " XXXX XXXX XXXX ''. 

Equifax has refused to perform actual investigations. Equifax has refused our requests for a detailed breakdown of their " investigation '' as per the FCRA multiple times. And Equifax has hurt myself and my family financially because this. 

Equifax has continues to address this matter, and the Equifax phone representatives have repeatedly hanged up on myself over the phone. 

I have provided all the documentation Equifax have demanded multiple times these past two years. Equifax refuses to address this as well. 

In CFPB Case # XXXX Equifax even attempted to dodge responsibility by pretending they were not aware the CONSUMER Financial PROTECTON Bureau has the legal authority to represent us in this matter. But even worse, the  CFPB Staff Member in charge of our case allowed them to and closed the case without any resolution. 

This illegal behavior on behalf of Equifax has crippled my family financially. And the CFPB has not only allowed it, but has ignored our complaints about your failure to help us consumers with my Congressman XXXX XXXX. If the CFPB refuses to begin address this matter on behalf of us American Consumer we will hold the CFPB for our continuing situation and the pain and suffering it is causing us. 


Ps. 
We have sent all the requested documentation Equifax 's Staff requested in CFPB Case # XXXX multiple times these past two years. We have granted Equifax permission for both the CFPB and our Congressman XXXX XXXX multiple these past two years. 

However, once again as manipulative as Equifax 's employee was trying to be the American Consumer Financial Protection Bureau is not only legally allowed to communicate with Credit Bureaus on these matters, but in fact was established by the American Government on XX/XX/2011for this very purpose. The CFPB Staff member addressing this new case is therefore not to accept that illegal excuse on Equifax 's part as a reason not to address this matter.
Product: Credit reporting or other personal consumer reports

I have sent in a written dispute on requesting to remove wrong personal information that is on my credit report from XXXX, Transunion, XXXX. I provided them XXXX, Transunion, XXXX with the updated information as required. A copy of my Drives License and also a current bill with my name and current address. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX SC XXXX
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 XXXXXXXX, 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 an 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, credit repair services, or other personal consumer reports

THESE COMPANIES ARE IN VIOLATION AND HAVE NOT FOLLOWED THE FCRA REQUIREMENTS AND HAVE REINSERTED A ACCOUNT BACK ON MY CREDIT REPORT WITHOUT NOTIFYING ME. THIS GOES AGAINST THE LAW AND I WILL FILE A LAWSUIT IF THINGS ARE NOT HANDLED PROPERLY.
Product: Debt collection

Original Creditor : kia financial XXXX XXXX NOTICE FORMAL REQUEST FOR VALIDATION OF ALLEGED DEBT : Dear kia XXXXXXXX XXXX XXXX This is notice of my formal request for validation of debt in accordance with the fair debt collection practices act pursuant to 15 USC 1692g. I have noticed that your company has put this alleged account on my credit report with no prior written notice giving me an opportunity to formally dispute this account. This is a direct violation of my consumer rights. I dispute any validity of this account and demand that that this account be removed immediately from all credit reports. 
I am not aware of any contract creating an obligation or indebtedness to XXXX XXXX XXXX and therefore am not liable to repay your company any money for this alleged debt. So that I may further assist you I am requesting that you validate the debt. Validation differs from verification whereas I am challenging the authenticity of the alleged that you are attempting to collect please provide me with a true copy of 1. The authenticated contract or note with the signatures and next thereto. 
2. The accounting and general ledger statements showing the full accounting of the alleged death that you are now attempting to collect.

3. The name and address all persons, corporations, associations, or any other party having an interest in legal proceedings regarding the alleged debt 4. Verification under penalty of perjury that as a debt collector you have not purchase evidence of the debt and you are proceeding with collection activity in the name of the original maker of the note.

5. Verification from the stated creditor that you are authorized to act for them.

In accordance with the fair debt collection practices act person went to 15 USC 1692f, the collection of any amount ( including any interest fee charge or expense incidental to the principal obligation ), unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 
NOTICE OF DISPUTE I am disputing any interest regarding the above account whereas I believe the correct balance owed is XXXX. Please update the record with XXXX XXXX and XXXX notifying them that interest portion of the alleged it is in dispute. If you are unable to validate the information within 30 days the account must be deleted. The debt is considered to be invalid until I receive the contract requested at the address provided above. If the above is not done within 30 days from receipt of this letter, you will be sued and liable in federal court for violations pursuant to the FDCPA and punitive damages for harming my credit score and wasting my time addressing this frivolous alleged debt. also they had sold the debt 3 different so there are 3 debt collectors trying to collect on a debt was paid from insurance company. XXXX number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX kia fin America XXXX XXXX XXXX acct XXXX my rights was violated would like to sue for XXXX for codes they broken and hardship this had caused me. thank you for your time
Product: Consumer Loan

Adverse credit report by Mariner Finance. 

I have a loan with Mariner finance. 

I was late for 30 days in month of XXXX 2015. The 30 day late payment was reported. In addition, the account was closed ; placed in collection and these information was reported on my credit report. This information has adversely affected my credit report and score. 

The problem here are : I was late for 30 days in XXXX 2015 : B. I moved out of my apartment in XXXX XXXX 2015 and my address changed. I traveled out of the country on XXXX/XXXX/2015 and returned on XXXX/XXXX/2015. I never received any late payment notice or collection notice from Mariner finance. 

C. My financial credibility has been damaged by Mariner Finance because of these misleading information. 

D. They want to ruin my credit so that I will have no option to borrow but Mariner Finance and they can impose their predatory loan and high interest rate on me. 

E. How do you close and account and report it as in collection. Without proper notice to the borrower ; I was late in XXXX 2015 because I was out of town. 

F. I think this account needs to be looked into and all changes made as soon as possible because of the importance of good financial credibility otherwise I will have to seek litigation. 

Sincerely
Product: Credit reporting or other personal consumer reports

This account has been paid in full since XX/XX/year> mohela has consistently reported to the credit bureaus every month as if I owe. XXXX never sent me a letter I was notified by student aid.gov I went in mohel as websit in my messenger and thats when I saw the letter that I have attached on XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed that there are errors that need to be corrected. The incorrect information is as follows : XXXX. Account Number : XXXX XXXXXXXX XXXX - XXXX Creditor Name : XXXX XXXX XXXX XXXX Incorrect Information : The account was reported as delinquent for the month of XXXX and XXXX however the account is current as of the date reported. 

XXXX. Account Number : XXXX XXXX XXXX  - XXXX Creditor Name : XXXX XXXX XXXX XXXX  Incorrect Information : The reported balance is incorrect. My correct balance as of the date reported is {$8000.00} however its being reported at {$9400.00} which is incorrect
Product: Credit card

Please review the attached documents. I urge the bureau to commence an investigation into these accounts, as they inaccurately depict me as late when I have always been on time.
Product: Credit reporting or other personal consumer reports

The XXXX information in my credit file is the result of the unauthorized use of my social security number and other personal information. These accounts do not relate to anything I authorized or participated in. Additionally, the information on my report does not comply with the credit reporting law. I have evidence supporting a letter from the XXXX court of the XXXX XXXXXXXX XXXX XXXX United States. 
Again, I did not consent to my non-public information being shared and reporting on these items is neither fair nor equitable to me as a consumer. The following legal provisions describe my rights as a consumer:15 USC 1681 Section 602 A : Establishes my right to privacy.15 USC 1681 Section 604 A Section 2 : Prohibits a consumer reporting agency from providing an account without my written instructions.15 U.S.C 1681c ( a ) ( 5 ) : States that no consumer reporting agency may include adverse information that is out of date.15 U.S.C. 1681s-2 ( A ) ( 1 ) : Prohibits providing information that is known to be inaccurate.
Product: Mortgage

XXXX Put XXXX XXXX XXXX ) Application in. 
XXXX Spoke with Village Capital informing them that I put in a XXXX application to get full reinstatement amount plus 3 months mortgage payments going forward. 
XXXX Asked Village Capital to give a one-week extension on the foreclosure to provide XXXX more time to process the funds. 
XXXX XXXX and XXXX admitted that they and Village Captial were aware that I put in a XXXX application for funding. 
XXXX Called Village Capital again asking for a one-week extension, and they said NO. They also even if I came up with the money to pay them back on Monday, they would foreclose on me. 
XXXX I called XXXX again and they said they had been in contact with Village Capital, but they did not care. Village Capital told XXXX that they DENY receiving the money because " I had vacated the property and was no long owner occupied '' That was a LIE! I have proof-pictures of all my rooms in my home with stuff in them and I held up a newspaper to date stamp my proof. In fact, as of today, I still occupy the property and they are aware because they took me to court to try to get me evicted. The XXXX has shown almost XXXX complaints against Village Capital in the past few years, and XXXX complaints in the last few months. Why can Village Capital get by with this? I have a USDA guaranteed loan and they will get XXXX % of their money back and they get to sell my home for more money ... isn't that double dipping? I am a hardworking man and I want to keep my home! Why won't anyone make Village Capital do their job and be honest about it?? Please help me set things right! I have been working with a XXXX lady ( XXXX XXXX XXXX who can testify for me if necessary! Village Capital needs to RESCIND the foreclose and stripped of their Certifications to do USDA Guaranteed loans forever! That is criminal what they are doing!! 
XXXX They foreclosed on my home. This is not right!!!
Product: Credit reporting or other personal consumer reports

Experian has a credit card depicted as opened by consumer ( complainant ) back in XXXX  ( XXXX ). Consumer never opened credit line. Experian as well as XXXX have both refused to remove the information from credit reports. Further, the record depicts 2 missed payments on the credit line affiliated with the card. These credit agency '' s are trying to force a bad credit score on consumer. Consumer has identified to a XXXX XXXX police department a suspect who broke into victim 's home safe to open this credit line. They've refused to arrest him and/or take fingerprints from the safe to evidence an arrest/conviction of subject ( XXXX XXXX ). Further, a law enforcement official connected to him ( a XXXX XXXX XXXX is misusing victim 's social security number in connection to XXXX 's burglary activity. Creating falsified documents with local government agencies in victim 's name
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been filling out credit card applications at this financial institution numbers of times. I have been recently denied a cash builders credit card by this bank that i have bank Accounts with and been conducting business with this bank financial and credit card Institution for many years. i feel that i have been a valued customer or client with them And feel that i am being treated unfairly, i deserve the right to be granted trust like any other Person or consumer of this bank. my credit score is good, all debts are paid or satisfied There are no issues with financial companies.please do a complete investigation for Discrimination issues and to be certain that i am being treated equally and to avoid future Complaints or disputes with the banks financial institution or who's involved with the Approval of credit card applications.Thank You Sincerely.XXXX XXXX.P N C Bank Customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit bureaus are reporting few information on my credit report that are either over 7 years old or incorrect. 

I have written to all three credit bureaus about this and demanded that they provided me with the evidence and supporting documents that they, during their investigation must have asked the credit reporting company. But they ( XXXX, exuifax, XXXX ) have informed me that they have completed their investigation without sending me any documents from the original creditor. But the issues were not corrected. They failed to send me the documents, I have asked to show me that the accounts are reported correctly as they claim. 
For example, XXXX is reporting two accounts ( {$830.00} and {$2400.00} something ). These accounts are reported incorrectly. I have asked them to show me the documents with proof. They have not. 
Similarly, I have an old account ( more than 7 years old ) for the amount of {$84.00}, originally from XXXX XXXX bank. This account is still showing on my report ( all three bureau ). They have not removed it despite my demanding to remove it. 
Then there is a real estate loan account. Multiple banks are showing the same information more than twice. I have asked the three bureaus to correct this error. They have not.
Product: Debt collection

They continually call for me at work which I have twice called and left messages stating I am not allowed personal calls at work but have continued to receive them from the same XXXX XXXX I leave the message with. The only information I have been given is the name of the company which is Midwest service bureau. She calls and leaves messages at work for me but never has she left a message on my personal cell stating who she is or what she wants in addition to her only calling me from a blocked number.
Product: Credit reporting or other personal consumer reports

Viewed report on XX/XX/XXXX noticed things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. " It shows account opened in year " XXXX '' that is not accurate, I had a XXXX in the year XXXX '' According to 15 USC 1681s-2 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.

According to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. " Please delete account ; not being accurate, delete it earlier than date it has to stay on file ''. " This account could not possibly have be opened in XXXX when I had a XXXX  that year, that is inaccurate ''. " Have proof of XXXX for that year. '' And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

According to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.