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

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.
Product: Debt collection

At leas t three times  a day, I receive a robo call from this phone number stating I owe a debt. Initially I contacted the phone number back and was told I owe a debt - they would not tell me who the debt was with and demanded me to pay it over the phone. I told them I did not owe any debt and to mail me whatever they were referring to. I have never received anything in the mail - but the calls continue every day - multiple times and at all hours.
Product: Credit card or prepaid card

During COVID-19 Pandemic the above company closed my clients account because of a payment that got rejected by the bank due to the complaints job layoff and no pay that came in until he received unemployment. Since, that failed payment, the complainant has made all payments on time with no issues. The credit card company Fortiva was contacted about allowing the account to opened back up because of one single oversight due to the pandemic. They have declined to comment or say there is nothing they can do to the complainant.
Product: Debt collection

This information is not listed on my credit report. On XXXX I recieved results from my underwriting I have a judgement or lien against me in the amount of {$8000.00} from a company called XXXX XXXX DBA XXXX XXXX/XXXX  XXXX. I stated to my lender of never having this account I was then sent a screen shot showing it was a joint account with a name similar to my mother. This information did not come back on my credit report but from a local county dock result.I was not able to locate the findings myself. I further research by call XXXX XXXX whom stated no judgement is against me I would have to submit a request in writing in order to get a documented response, they then gave me XXXX number. I called XXXX XXXX  the first person stated the company no longer has my information only thing was seen is they once had it then she gives me the information for Aldrige Pite Haun. I call this company at XXXX spoke with a XXXX XXXX, she could not verify my correct information but stated I owe this information due to it being in there system. I stated I wanted a dispute and further asked when would I be hearing from the company. SHe could not give me when but stated it may be today, tomorrow, or anyday. Then she further states I owe over {$8000.00} and I have to pay it. I then call back at XXXX after speaking with some resources I know to get more information which i was told the company should be able to give me. I spoke with a XXXX placed me on a brief hold then automatically transferred me without stating he was transferring me, the results was the phone hung up. I called back again at XXXX spoke with XXXX again and was transferred to XXXX XXXX speaking to her again I still recieved no answers, she tried to verify my identify again I stated to her your verifying incorrect information to update a system to try to charge me with this debt. I stated this is fraud and asked again about the process of a dispute. She then states I'm being hostile by asking the same question and says I send you an email ( Never received ) and transfer you to a manager. I was on hold for 47 mind spoke to no manager. I called from another phone while still on hold to find out the company was closed for the day. I hung up at XXXX. Never received a call back even the next day XX/XX/XXXX. On XX/XX/XXXX at  XXXX I spoke with XXXX he tried verify my information which I told him is incorrect. He stated I owed {$8100.00} I stated to him this not my account and it fraud. He stated since I am disputing there is not a reason for him to be speaking with me. I further stated what was told to me on the prior day and the name. He asked would I like to be transferred I stated no. He stated I wont get a call I would receive a letter stating the result. This again is conflicting information. As I stated to him I want this resolved and removed from my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # 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 card or prepaid card

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that ONEMAIN has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX. A call was placed to XXXX  in reference to disputing XXXX XXXX XXXX XXXX on my report. I was given a series of security questions to verify my identity in order to begin the process.I was told I needed to send or fax in my drivers liscence, social security card and addresss.Once they received these documents the request could be processed.A follow up call was placed on XX/XX/XXXX XXXX to see if the documents were received. I was then asked a series of security questions to verify my Identity. One of the questions I didn't answer correctly based on not knowing what information they have accurately reported. I was then told I could not receive any information on my report at that time.I have received two confirmed letters from XXXX neither confirms the inquiry about the XXXX XXXX XXXX XXXX. 
I have not also been able open up an investigation to XXXX XXXX XXXX, XXXX who I believe has reaged XXXX account debt being reported on my report. The company is reporting the acoount was opened XX/XX/XXXX XXXX. However my last bills show XX/XX/XXXX.I aquired XXXX in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Per the FCRA, as a federally protective consumer, I am now opting out any and of all authorization, I the consumer may have given you, written, unwritten, verbal and non verbal per 15 USC 6802.

The privacy act of 1974.

( 15 USC 1611 ) Criminal liability for willful and knowing violation, whoever gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, shall be fined not more than {$5000.00} or imprisoned not more than one year or both.

( 15 USC 1681 ) Accuracy and Fairness of Credit reporting ; IT IS ILLEGAL TO REPORT TRANSACTION HISTORY. 
( 15 USC 6801 ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

( 15 USC 6802 ) Obligation with respect to disclosures of personal information.

( 15 USC 6805 ) The enforcement of the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal trade Commission with respect to financial institutions and other person subject to their jurisdiction under applicable law.
Product: Credit card or prepaid card

My complaint is with CaptialOne Saks Fifth Ave. 
I first noticed fraudulent activity on XX/XX/2022, when there were inquiries on my credit report, but I had not recently applied for credit. I promptly initiated a credit freeze with all three credit bureaus and began working with an ID protection company. The Restoration Specialist and I have made several calls to CapitalOne to seek resolution to the fraud. A detail of events is below : I received a letter dated XX/XX/2022, stating that I was approved for a CapitalOne - Saks Fifth Ave credit card for {$3000.00}. I did not, nor have ever, applied for credit from Saks Fifth Ave. 
On XX/XX/XXXX, I called CapitalOne, along with my Restoration Specialist, and we spoke with XXXX. I was told the Saks Fifth Ave account was opened but " immediately suspended for suspicious activity '', that the account would be closed, and the credit bureaus would be notified to delete the inaccuracies in my reports. 
On XX/XX/XXXX, I noticed in my credit report that the Saks Fifth Ave account WAS opened, and someone had made fraudulent purchases on the account. We called CapitalOne again, first speaking with XXXX who told us the Saks Fifth Ave card was approved, but a XXXX XXXX card was declined. ( Note : I did not apply for either ). We then spoke with XXXX. I repeated the information about the fraud and requested the account would be closed ( as we thought it would be after the first call to CapitalOne ). XXXX said CapitalOne would initiate an investigation and that I may receive a call from a fraud adjuster to provide more information. ( This call never came ). 
On XX/XX/XXXX, per the advice of my Restoration Specialist, I filed a local police report to have official documentation of the fraudulent activity. 
I received a letter from CapitalOne dated XX/XX/2022, stating CapitalOnes investigation was complete and deemed that I would be responsible for charges totaling {$2800.00}. The reasons stated were : We received signed documents, dated prior to the date of your fraud claim, acknowledging this account is valid and Activity on the account indicated you opened an interacted with this account. I have never received copies of such signed documents, and I have never made purchases using the card -- any interaction/purchases on the account are fraudulent.

According to my credit reports, the CapitalOne -Saks Fifth Ave account was closed with the outstanding balance {$2800.00}. 
We intend to call CapitalOne again to request they re-open the fraud/dispute investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX  XXXX XXXX, TX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX RE : XXXX XXXX XXXX Dear XXXX XXXX XXXX, This letter is to inform you that I am disputing this debt listed above. I also want to inform you guys to cease calling me. This debt was not mines at all and I dont know anything about it. I have filed a complaint with the Attorney General of Texas and will file a complaint with the FTC. If this is not removed from my credit report I will be suing your company. I will be also contacting a lawyer to handle this case since you have ignored my request and posted this to my credit report without sending any communication about this debt. 
In my opinion, you have failed to validate this debt. I must remind you that I originally disputed this debt within the 30-day dispute period outlined in the FDCPA and that I am now also responding in a timely manner to your attempt to validate this debt. Because I still consider this debt as " still in dispute '' I do not expect to hear from you again except to provide information or documentation to clear up my reasons for disputing this debt. 
If this debt is reported on my credit report after I have disputed this debt. I will contact my attorney to file a civil lawsuit against your company. I already advised you in my previous letter that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act and that I will not hesitate to take all legal steps necessary to protect myself. Be advised that I am keeping accurate records of all correspondence including tape recording all phone calls. 
Thank you,
Product: Credit reporting

issue is with XXXX XXXX. There were items in dispute which I was told I was not responsible for while under investigation, however, I never received results of investigation and each time I called to inquire, I was transferred to various different departments until one day, some kind soul took pity on me and decided to see my call through to the end and get me a resolution and that 's when I found out that they had resolved my claim and I owed XXXX, which they stated was past due, but I never received any notice of such, so I immediately paid the XXXX but still had questions regarding the dispute, and where this XXXX balance was coming from. I was paying this, not because it was owed but because I did not want it to affect my credit but it ended up affecting it, and it should n't because I paid timely on that which I owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

NELNET, former loan servicer, who transferred my student loan to XXXX XXXX before my loan entered repayment, i.e. no payment was ever owed NELNET ; no payment was ever made to NELNET. In clear violation of federal law expressly prohibiting duplicate reporting of loans ( including student loans ) within the borrower 's credit reports, NELNET continues to duplicate report ( same student loan for {$20000.00}, reported by XXXX XXXX, the current and only servicer to whom payments were owed ). NELNET 's per se unlawful explanation for NELNET 's continued unlawful duplicate student loan reporting is " loan history '' which argument is fictitious/illegal-self-serving because National Student Loan Data System, NSLDS, is the sole student loan system recognized as " authoritative '' for student loans history reporting. In fact, NELNET is merely actually using their unlawful student loan tradeline report for illegal monetary gain by sale of said unlawful tradeline. PRIOR NOTICE : XXXX has received numerous requests from me to permanently remove NELNET 's per se unlawful duplicate student loan report from my XXXX credit report ( hereby I incorporate my prior Consumer Financial Protection Bureau, CFPB report number XXXX dated XXXX XX/XX/2018 in full with all attachments by reference ). If XXXX does not promptly ( within 10 business days ) permanently remove NELNET 's per se unlawful NELNET duplicate student loan report report, I will have no further option but to bring both NELNET and XXXX  to federal district court to answer charges of unlawful fraudulent student loan reporting extortion. NELNET and XXXX  have received written notice numerous times without corrective deletion of said unlawful duplicate student loan report
Product: Credit reporting or other personal consumer reports

Title : Dispute for Non-Compliance with the Fair Credit Reporting Act ( FCRA ) by Transunion Description of the Issue : On XX/XX/XXXX12/14/2024, I submitted a formal dispute letter to Transunion requesting the removal of fraudulent information from my credit report. This request was made in accordance with the provisions of the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S.C. 1681c-2, 15 U.S.C. 1681i ( 7 ), and 15 U.S.C. 609 ( a ) ( 2 ). I provided adequate evidence, including an identity theft report, to support my request. 

However, the bureau categorized my dispute as frivolous, a response that I find inappropriate and unlawful under the standards set by the FCRA. Additionally, they failed to meet the legal requirements to : 1. Provide a detailed description of the reinvestigation procedures performed.

2. Produce physical evidence of original contracts bearing my signature to substantiate the validity of the disputed accounts.

3. Block the fraudulent account within four business days of receiving my identity theft report. 

Information Related to the Dispute : : XXXX XXXX XXXX XXXX XX/XX/XXXX This account is the result of identity theft, and their presence on my credit report violates my rights as a consumer. Despite my efforts to resolve this matter directly with the bureau, no significant action has been taken to correct the inaccurate information, causing financial and emotional harm. 

How This Issue Affects Me : The incorrect and unverified information on my credit report has negatively impacted my credit score, making it difficult to access legitimate credit and causing financial and personal stress. 

What Resolution I Am Seeking : I request that the CFPB intervene to ensure that Transunion : 1. Immediately removes the fraudulent account from my credit report.

2. Provides a detailed description of the procedures used to investigate my dispute.

3. Complies with the provisions of the FCRA, including blocking fraudulent information within four business days of receiving my identity theft report.

4. Ensures their practices adhere to federal laws to protect consumer rights.

Attached Documentation : I am including copies of the following documents to support my complaint : Identity theft report.

Additional evidence related to the disputed accounts.

Identity affidavit. 


Conclusion : I hope the CFPB will investigate this matter and take the necessary actions to ensure that Transunion complies with federal laws. I am available to provide any additional information required. 

Sincerely, XXXX XXXX
Product: Mortgage

Ocwen Loan Servicing LLC is holding the mortgage for XXXX XXXX XXXX XXXX XXXX, Fl XXXX that unit has been in default of condominium fees for over 3 years. In XXXX 2015 Ocwen filed a motion for default against the defendant unit owner. However, the default has not been entered as of yet that we are aware of. The condo fees are in arrears for well over {$5000.00}. Ocwen is protected by safe harbor. I, as a unit owner in XXXX XXXX, have no protection and am bearing the burden in my fees for this defaulting unit every month of every year this goes on. I am asking the consumer financial protection bureau to do all within its power to get Ocwen to foreclose on this unit and sell it. Other units have sold for well over the {$66000.00} which I believe is the mortgage amount, so there is no excuse for this to continue. By Ocwen dragging its feet on its responsibility for this unit it is causing unnecessary and undue penalty to me, a senior citizen, living in this XXXX condominium association. This is a horrendous situation and should not be allowed to continue.
Product: Mortgage

I asked not to be called when my loan is late, yes less than 30 days late. I have asked them SEVERAL times not to call me, yet they still call me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone took out a student loan from Ed Financial in my name, XXXX XXXX XXXX address. 
Have disputed multliple times with all XXXX major credit reporting bureaus. Comes back as accurate. I have never had a student loan in my life, I am XXXX XXXX XXXX. College this comes back to is XXXX XXXX XXXX XXXX in XXXX XXXX KS. Why would I go back to school now, at a college XXXX hours from where I live, when there are XXXXXXXX XXXX  colleges here? 
XXXX XXXX account number in my name is XXXX The mail they have for me is XXXX which isn't mine. The phone number they have in my name is XXXX, which is no longer in service.
Product: Credit reporting or other personal consumer reports

I am disputing the inclusion of the XXXX. XXXX, XXXX account on my credit report. I do not have an account with XXXX XXXX XXXX or a contract with XXXX. XXXX, XXXX Additionally, my personal information was part of the XXXX data breach. 

Under the Fair Debt Collection Practices Act ( FDCPA ) Section 809 ( b ), you are prohibited from pursuing collection activities, including credit reporting, until the debt is validated. Reporting unvalidated debts is considered collection activity as established in Boatley v. Diem Under the Fair Credit Reporting Act ( 15 U.S.C. 1681o ), I request this account be investigated and removed unless XXXX. XXXX, XXXX Can provide a contract between ( XXXX. XXXX, XXXX and XXXX XXXX ) for alleged debt. Please provide documentation supporting its validity, If it can't be done kindly remove Collection account Immediately. 
Kindly resolve this matter within 30 days and provide a written response.
Product: Credit reporting or other personal consumer reports

Barclays Bank Delware made a hard credit inquiry on my credit report XX/XX/year>. It caused my credit score to lower by XXXX points. This was not authorized. I made no request from Barclaycard that would initiate a hard credit inquiry. This is a direct violation of the Fair Credit Reporting Act. They have done this in the past but I am documenting and reporting it this time. 

They made another hard inquiry on XX/XX/year> when I requested a credit line increase. I also requested credit line increases from other cards and none of them ever did a hard credit pull against my credit.

I have requested Barclays take full accountability for their actions. Remove the unauthorized credit inquiry and restore my credit score. No accountable response has been received from the company.
Product: Debt collection

I receive phone call from Harris and Harris limited numerous times a day from different number. I block a number from calling me after so many times. And they call me from another number. And after so many times calling from that number I block it. I have blocked so many of their numbers you would think they would n't have anymore to call me from. But they call me from a number and if I am unable to answer they will leave a message and call me from another.
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 XXXXXXXX and list of Inquiries 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.