23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that this is not a request for an investigation, but lawful written instruction and permissible purpose of a consumer report by the consumer to whom it relates Pursuant to 15 USC 1681b ( a ) ( 2 ). Pursuant to 15 USC 1681a ( e ) an Investigative consumer Report is defined as " a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is stained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from the consumer. '' I DO NOT CONSENT TO ANY INVESTIGATION as it is my right pursuant to 15 USC 1681d ( d ) ( 1 ). 

I will also make know at this time that neither Equifax, XXXX, nor XXXX can lawfully " verify '' anything contained in my consumer report. The lawful definition of verify means to confirm or substantiate by oath or affidavit ; to swear to the truth of. Any information contained in my consumer report that Equifax, XXXX, and XXXX verifies, must be done so under oath in the presence of a Notary. 

Equifax, XXXX, and XXXX are corporations and XXXX XXXX entity, they do not have the power to verify any information.
Product: Mortgage

1. Good morning, I XXXX XXXX, acct # XXXX, refinanced my mortgage on XXXX XXXX. I received a pay off statement from the TD bank in the amount {$320000.00} ( copy of the letter of the pay off letter from TD bank is attached ). This amount was paid by the new bank XXXX XXXXXXXX XXXX, acct # XXXX, XXXX. The property address is XXXX XXXX XXXX, XXXX NY XXXX, Now 8 months later, TD bank is saying that my mortgage is still outstanding, I own them an additional {$26000.00}. 

I and my laywer spend three months to contacting TD bank, title company and the XXXX County to resolved the matter. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Tel. : XXXX Fax : XXXX XXXX Also, TD bank requested an additional {$5600.00} as the school tax amount which TD bank paid XX/XX/2020. TD bank received a refund of {$5600.00} from XXXX countyr back in XXXX XXXX. Copy of teh refund check is attached. 

TD is the worst bank in teh history. It takes 3 hours to get to be connected and when I ask to talk to the Mnager I get disconnected, given a different phone number to contact. I dont have energy or time to fight teh TD bank, help please
Product: Credit card or prepaid card

JC Pennys along with Synchrony Bank billed me in XXXX and XXXX for on line charges purchases not made by me. Some of these charges were even paid for but they promptly took the charges off and issued me a refund check on XX/XX/XXXX for {$380.00} and closed the account. They opened a new account which I did not request. In XXXX of XXXX they sent me a new bill for new bill for {$100.00} even though I had not used the new card. It said there was a previous balance as of XX/XX/XXXX for {$180.00} a credit of XXXX a fee of + {$30.00} for a total of {$100.00} due. I called XX/XX/XXXX for an explanation and they said they over refund me on the check they issued in XXXX. I could not follow their explanation but we agree to settle and close out the account for {$79.00} which I made immediately ( confirmation # XXXX ). In XXXX they sent me another bill for {$100.00} less a payment of {$79.00} less a credit of - {$30.00} plus a balance transfer of {$100.00}. I can not get an answer to why I owe this money when the account was settled in XXXX. They now are continuing to add {$30.00} a month to an account I have not used and thought was settled.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, OK, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, and XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$17000.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.
Product: Debt collection

I never received any information from XXXX XXXX regarding my debts or original signature for the debt through Bank of America. I never received any court date. The only piece of mail I got was a judgement with incorrect amounts and information against me in which I tried to hire a lawyer to dispute, the company is not meeting any negotiations with my lawyer for a debt they cant prove or gave me rightful notice on.
Product: Credit reporting or other personal consumer reports

These companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted the bureau and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.
Product: Credit reporting or other personal consumer reports

I just checked my credit report and was shocked to see inquiries I dont recognize. I truly believe Ive been a victim of fraud, and this has been incredibly stressful. Its not just frustratingits preventing me from accessing the credit I need, making things even more difficult for me. 
I feel helpless and overwhelmed, and I dont know what else to do. Please, Im asking for your help in removing these fraudulent inquiries. Any support you can provide would mean so much to me. XXXX XX/XX/year> XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

This company has failed on multiple occasions in the past couple months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties. 


Account Name : CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card or prepaid card

Discover Card allowed someone to open an account in my name without my authorization at an address where I never lived. Discover Card tells me through a debt collector that I owe money. Discover Card was able to locate my correct address and call me to try to collect but not to verify that I actually opened the account. I asked Discover Card to provide proof ( e.g., signature ) that I authorized opening the account. XXXX has not and apparently will not provide proof that I opened the account. XXXX in response to my request sends me a letter with the subject line " XXXX to XXXX for XXXX ''. The letter and enclosed material shows the charges that were made under my name. I did not want nor authorize XXXX to open an account in my name. Since I did not authorize opening the account, sending me proof of fraudulent charges is irrelevant. Discover Card never attempted to contact me when the account was opened nor when it was late. If they had, I would have told them then I did not want their card, nor did I authorize anyone to open an account in my name. The account was opened in XXXX and they are just now contacting me. The account ends in XXXX in the amount of {$3300.00}. 
XXXX with XXXX XXXX, XXXX XXXX XXXX, XXXX. Ref. XXXX for Discover Bank, XXXX XXXX XXXX XXXX XXXX XXXX c/o Discover Products, XXXX New XXXX XXXX OH XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting ACT XXXX XXXX XXXX Has violated my rights. 
15 U.S.C 1681section 602 A. State I have the right to privacy.

15 U.S.C 1681 section 602 A section 2. It also state a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I filed a dispute on XX/XX/2024 about and inquiry from the XXXX XXXX XXXX and the dispute came back that the information was verified, This is not true because the XXXX XXXX XXXX wrote me a letter confirming that they did not have my information on file. 
I also received a letter from XXXX XXXX they also advised that there was no information on me. 
I have tried to get these Inquiries removed and have been unsuccessful. 
Enclosed are the letters from the lenders and a personal letter from myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX 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 Has violated my rights. 

15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 section 604 section 2 also state a consumer agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

XXXX XXXX locked me out of my account and there loan department isnt open 24/7 so it prohibited me from paying them due to my hours of work. And they have now reported that i am 30 days late on two accounts that i had not had a problem with keeping current! This is unfair business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following accounts appear on my credit report, without any authorization, it is hurting me, please review them XXXX XXXX XXXX  XXXX. 
Account Number : XXXX This is not mine. 
XXXX Account Number : XXXX This is not mine. 
XXXX XXXX XXXX XXXX XXXX. 
Account Number : XXXX This is not mine. 
XXXX  XXXX XXXX, XXXX. 
Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a credit repair request to a company, but they failed to respond within the XXXX-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Product: Debt collection

The collection agency placed a bad debt on my credit report for XXXX when the balance was paid directly to the creditor. I do not owe Credence collection agency and this is a false representation that is being displayed on my XXXX  report. This needs to be removed completely from my account.
Product: Mortgage

I need some money in my equity to Fixed my credit, I'm a retired man.
Product: Credit card or prepaid card

On XX/XX/222021 we bought a Netspend card in XXXX XXXX, NV for the amount of {$500.00} because we didnt know we couldnt use cash to buy a plane ticket back home to Oregon. No banks were open at the time ( XXXX ) to find a sister bank to our credit union that we use. Card was immediately declined even though it said we could use it immediately but when i tried to use the app to activate it, i had to call and do an identity check which wouldnt be available until Monday we had our child to get back to that day so a family member helped us. Called Monday, we thought we forgot to grab the receipt in XXXX as it was a chaotic morning and were told we had to go back to XXXX to get the receipt even though i had verified my identity again to the person I was talking to. They closed our account and said they would send us a check with our {$500.00} no problem. And to wait 6-8 business days. We waited two weeks and still nothing. We called and they told us they sent it on the XXXX of XXXX but would send another. We finally found the receipt stuffed in our luggage bags and called again because as of now, XX/XX/XXXX, we still have not received anything and we have tried being patient despite struggling. So we called and they said they didnt know what we were talking about and said no check was ever sent or they have no record of it??? They didnt ask for proof of the receipt and still havent even though we have it now. We spent time being shuffled around talking to random departments just for them to say oh I cant help you with that and transferred again. Eventually one guy said that we have to wait for confirmation which doesnt make sense since they claim they already sent the check but now deny that. We even asked if since we have the receipt now if we could just use the card that we received in the mail and they said we couldnt since the account was closed in XXXX so why wasnt our check sent in XXXX when out account was closed??? They are just going to steal our money. This has caused us substantial hardship as we needed some of that money for other things not just tickets and its been nothing but a headache and Im XXXX XXXX from XXXX  as we are getting more and more behind on our bills. That was our hard earned money from working, NOT gambling. Netspend has not been helpful at all, they havent reached out to us on their own other than to verify identity in the very beginning.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE COMPANY IS IN VIOLATION OF 15 U.S CODE 1681E ( B ) BY CONTINUOUSLY REPORT INACCURATE INFORMATION ON THE FOLLOWING ACCOUNTS. XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, TBOM # XXXX AND XXXX XXXX XXXX XXXX  # XXXX. I'VE SUBMITTED MULTIPLE DISPUTES AND SOMEHOW THIS INFORMATION REMAINS UNCHANGED. IN ACCORDANCE TO 15 U.S.CODE 1681E ( B ) - WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT, IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURACY OF THE INFORMATION CONCERNING THE CONSUMER WHO THE REPORT RELATES. IT IS APPARENT THAT THE COMPANY HAVE FAILED TO PROPERLY VERIFY THE INFORMATION THAT I'VE PREVIOUSLY DISPUTED.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Checked my credit today and there are several accounts I dnt acknowledge or authorize! All 3 bureaus need to remove these accounts they are really affecting my livelihood
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the list of accounts below have violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXXn Account : XXXXXXXX XXXX/Dept of Ed Account : XXXXXXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX Account : XXXX 15 U.S.C. 1681 Section 602A States I have the right to privacy 15 U.S.C. 1681 Section 604A Section 2 ; it also states a consumer reporting agency can not furnish account information without my written instructions 15 U.S.C. 1681c. ( A ) ( 5 ) states no reporting consumer agency may make any consumer report containing any of the following items of information : any other adverse 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Debt collection

Unknown item listed on my credit file, I dispute and request validation and nothing happens.
Product: Mortgage

On XXXX XXXX, 2015, I contacted XXXX XXXX, who is a Branch Manager ( XXXX # XXXX ) with GATEWAY FUNDING, and learned I can lower my mortgage monthly payment from approximately {$2400.00} to {$2000.00}. I was ecstatic because I would have saved over {$400.00} each month. XXXX XXXX sent me via email the DETAILS OF TRANSACTION detailing I would pay that amount. During the escrow process on XXXX XXXX, I was instructed to wire {$690.00} and thought my application was completed. On XXXX XXXX, XXXX XXXX contacted me and stated it required me to pay an additional {$290.00} because certain expenses were overlooked by XXXX XXXX. I contacted XXXX XXXX about my additional expense to which he stated, GATEWAY FUNDING will refund {$290.00} back to me after I send in the money to complete the escrow process. 

I am complaining about XXXX issues : I learned my mortgage monthly payment was not {$2000.00} as promised by XXXX XXXX, but instead {$2200.00}, and I have not received my refund in the amount of {$290.00}, as promised by XXXX XXXX on XXXX XXXX. When I contacted him via telephone on XXXX XXXX about the monthly payment, he stated he made a mistake. I have contacted XXXX XXXX on XXXX occasions about the refund check. I contacted him via telephone on XXXX XXXX, which he stated he will issue the check on XXXX XXXX, the Friday after the application process was completed. I contacted him on XXXX XXXX, and he stated he would authorize the refund check. When I last contacted him on XXXX XXXX, I was told I should have already received it, then later verified by XXXX XXXX that he check has not been issued or delivered. 

It is my belief XXXX XXXX is taking advantage of my lack of knowledge in the loan application process by informing me of his many years of outstanding services and a promise of lower month mortgage payment only to deceit me to benefit himself.
Product: Checking or savings account

Wells Fargo closed my checking account because I forgot to update my address. Once closed, they claimed to have sent a check for the balance ( over XXXX ). I did not receive the check. It has been 4 weeks since the check was either lost in the mail, or not sent at all. I have followed up with Wells Fargo, and they want another 90 days before they will return my funds. Additionally, they want me to sign an affidavit that I have not received the check.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a Pre-qualification From XXXX XXXX XXXX XXXX XXXX never wanted to apply for a loan or even consider applying and for some reason my credit was pulled from 3 credit companies Experian, XXXX, XXXX. I never personally requested this and for that matter I want this information investigated and removed because there is no way why this should happen to a person when they didn't request such information and I'm willing to go to the full-stand of the law to get this matter resolved, for good faith because XXXX XXXXXXXX is one of my favorite banks. Which is why I'm sending this letter because typically I just sued but I want to resolve this as passive as it can be thank you, the suggested information is as follows ( XXXX XXXX XXXX XXXX ). 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I requested that Ad Astra validate debt XX/XX/XXXX via XXXX XXXX XXXX and on XX/XX/XXXX they sent me a statement for payment in the amount of {$180.00} but still nothing validating that I owe this debt. This information is reporting to my credit reports inaccurately the Date of loan per the statement shows XX/XX/XXXX.
Product: Vehicle loan or lease

I received an auto loan from Professional Financial Services in XXXX of 2022. I got the vehicle from XXXX XXXX XXXX. At that time I was never informed that I was able to rescind my contract, if I found anything wrong or false in the contract or if I'm unhappy with the vehicle. I was also told that I was required to pay a down-payment to drive off the lot with the vehicle. I also never received a full sales contract detailing this " consumer credit transaction ''. I have asked numerous times for a contract so I can thoroughly review it in detail, and I have gotten nothing but harrasing phone calls when they want me to make a car payment.
Product: Debt collection

On XX/XX/XXXX, I sent RentDebt Automated Collections a formal debt validation request under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g ( a ) and ( b ), via certified mail, which was delivered on XX/XX/XXXX. Despite their legal obligation to validate the debt before continuing any collection activity, RentDebt has not fully substantiated the charges and continues to report this debt to the credit bureaus. This lack of proper validation and ongoing reporting violates FDCPA requirements. Furthermore, RentDebt originally mailed my collection notice to an address I vacated in XXXX making no effort to verify my current address, thus depriving me of proper notice or a timely opportunity to dispute. While they did provide a copy of my lease in a previous CFPB response, they failed to validate key fees, including a {$500.00} pet odor removal, a {$200.00} bathtub cleaning fee ( for pre-existing rust damage ), a {$1600.00} penalty for insufficient notice ( double my lease allowance ), and an unexplained {$200.00} adjustment. Because RentDebt has neither provided itemized invoices, move-in/move-out documentation, nor proof that these charges align with my lease, and has continued collection and credit reporting in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( b ), I am requesting CFPB intervention to ensure that RentDebt either substantiates each charge with legally sufficient documentation or removes this debt in its entirety from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

PURSUANT TO 18 USC 8, I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681 B 2 COMPANY HAS ALSO NO PERMISSION TO REPORT ANYTHING USING MY INFO PURSUANT TO 15 USC 1681 4.