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

In accordance with the Fair Credit Reporting act Avantus 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 written instructions
Product: Credit reporting or other personal consumer reports

Dear CFPB Representative, I am writing to file a formal complaint against Experian for their mishandling of a collection account dispute on my credit report. Despite multiple attempts to resolve this matter, Experian has failed to provide adequate information or take corrective action, which has negatively impacted my credit standing. 

The issue involves a collection account that Experian is reporting on my credit file. Specifically, the account appears to be reported to different original creditors and re-aging which raises questions about its accuracy and validity. I have disputed this account with Experian on multiple occasions, with XXXX XXXX being the most recent yet their response each time has been, It meets the guidelines, without providing any substantive details or evidence to support their findings. 
Collection company XXXX XXXX XXXX Account number XXXX Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate credit reporting and a thorough investigation of disputes. Experian has failed to meet these obligations by : 1. Refusing to provide documentation or information supporting the validity of the collection account. 
2. Continuously reporting inaccurate or inconsistent information despite my disputes. 
3. Not addressing my concerns about multiple original creditors being linked to this single collection account and re-aging dates. Failed to properly investigate disputes, as required by law. 

The CFPBs recent lawsuit and oversight efforts against credit reporting agencies demonstrate the importance of protecting consumers from these unfair practices. My situation aligns with the CFPBs findings regarding systemic failures in dispute resolution processes and Experians obligation to provide transparent and accurate credit reporting. 

This issue has significantly harmed my financial well-being, including reducing my credit score and limiting my ability to access credit. I request the CFPBs assistance to ensure Experian : Fully investigates and validates the disputed collection account. 
Removes the account if it can not be verified with clear and accurate documentation. 
Improves their dispute investigation and reporting practices in compliance with federal standards. 

This situation has caused harm to my financial well-being, including a lower credit score, difficulty obtaining credit, and emotional distress. I am requesting the CFPB to intervene and ensure that Experian complies with the FCRA by : Providing clear and verifiable evidence of the collection accounts validity. 
Correcting or removing any inaccuracies related to this account. 
Reviewing their investigation process to ensure compliance with federal law.
Product: Payday loan, title loan, or personal loan

On XX/XX/2020 I missed an auto payment due to XXXX check comming in late. XX/XX/2020 they emailed stating a repayment would happen XX/XX/2020. 

On XX/XX/2020 when funds became availble I made the payment for XXXX via their online services. Their system stated specifically that my next payment would be XX/XX/2020. 

XX/XX/2020 they took they payment out of my account causing an over draft, I caught it that day, called them up and asked what was going on since the payment was done. They processed a refund minus the {$15.00} ACH return fee. While processing a complaint for the overdraft fees the accrued. 

XXXX XXXX I recieved an over draft fee {$35.00}, XX/XX/2020 I recieved a continued overdraft fee of {$30.00}. I called on XX/XX/XXXX and they stated they were just processing the refund that day And i amended the supplemental complaint to include the additional {$30.00} fee. XX/XX/2020 i recieved the refund. 

XX/XX/2020 I recieved an email stating they were denying coverage of the bank fees becuase there were not assessed by Upstart. So I sent them proof of the fees and that there mistake was the sole cause of them by a account summary covering the days in question. Along with the statement that their system informed me on XX/XX/XXXX, that the next payment would be XX/XX/XXXX th. 

They are sticking to the fact their original email on XX/XX/XXXX superceded the information provided to me on XX/XX/XXXX. Had there system stated the original XX/XX/2020 payment was still in effect this whole situation could have been avoided.
Product: Debt collection

I don't owe anything to CARTER-YOUNG with account number XXXX. They should have confirmed this from the Original Creditor since I have made my payment to them. Investigate this account thoroughly and make the necessary corrections or just remove the account automatically. 

CARTER-YOUNG XXXX XXXX Creditor : DXXXX XXXX XXXX XXXX  ) XXXX Balance : {$92.00}
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and noticed i had fraudulent accounts on my report. Please remove this account it is hurting my ability to obtain credit
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of inquiries that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft CAPITAL ONE Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Product: Debt collection

KINDLY HELP ME. I'M GETTING STRESSED UP EVRY TIME I SEE THESE FRAUDULENT ACCOUNTS. I WANT THESE TO BE PERMANENTLY REMOVED OFF MY CREDIT REPORT.
Product: Mortgage

Creditor Information RUSHMORE LOAN MANAGE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX not reporting information to credit bureau XX/XX/2019 my mortgage was sold to this company They removed information showing Payment information on credit report since then for years now again they closed account on my credit report ruining my credit status ... it's open it's not my flaunt they have a lot of complaints against them for a number of issues
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$99.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to report that I am a victim of identity theft. Enclosed with this letter are copies of my police report, identity theft report, driver 's license, Social Security card, and proof of my current address as verification of my identity. 

Upon reviewing my credit file, I discovered multiple fraudulent accounts and personal information that do not relate to any transactions I have made. These inaccuracies must be blocked from my credit report. This is not a standard dispute ; I have filed a complaint with the Federal Trade Commission to document my identity theft case. 

I am requesting that you take immediate action under Sections 605B, 615 ( f ), and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ) to block and remove the following fraudulent accounts and incorrect personal information from my credit file : Incorrect Personal Information Account Number : Former : XXXX XXXX Incorrect Personal Information Account Number : Former : XXXX XXXX XXXX Incorrect Personal Information Account Number : Former : XXXX XXXX XXXX Incorrect Personal Information Account Number : Also Known As : XXXX XXXX XXXX Incorrect Personal Information Account Number : Also Known As : XXXX  XXXX XXXX Incorrect Previous Address Account Number : Previous Address : XXXX XXXX XXXX, XXXX, CA XXXX Incorrect Previous Address Account Number : Previous Address : XXXX XXXX XXXX XXXX, XXXX, CA XXXX Incorrect Previous Address Account Number : Previous Address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX Incorrect Previous Address Account Number : Previous Address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Incorrect Previous Address Account Number : Previous Address : XXXX XXXX XXXX, XXXX, HI XXXX Identity Theft - Fraudulent Account Creditor : XXXX XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately. 

I respectfully request that all fraudulent information be blocked and removed within 4 days of receiving this letter. Thank you for your prompt attention to this matter.
Product: Mortgage

Rushmore obtained an assignment of an already settled account from XXXX XXXX XXXX XXXX XXXX who I defaulted after serving their COC : XXXX XXXX with a promissory note that she retained but did not credit. My default, invoice and lien is recorded with XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX at XXXX, document # XXXX. The promissory note was obtained by XXXX  well within the 6 month right-of-redemption window ordered by judge XXXX XXXX XXXX ( XXXX XXXX XXXX Rushmore than began unlawfully dunning me for a settled obligation under a new loan number I never signed. Neither Rushmore, their attorney law firm Marinosci Law Group, XXXX  or XXXX XXXX XXXX their ostensible client or the trust they claim to represent, have license to collect in Wisconsin state per 12 USC ss. 1864 and 15 USC ss. 1692 ( i ). Rushmore/XXXX  then hosted an unlawful sheriff sale of the property parcel # XXXX on XX/XX/XXXX. The sale violated Wisconsin code XXXX by posting an alleged judgement settlement amount where bidding might start ( which had already been satisfied with the promissory note mentioned above ) and then beginning for more than twice the published amount. I purchased the property post sale in excess of the bank but the clerk of court dishonored my instrument in writing. According to WI XXXX the debt is discharged. Rushmore, XXXX lawyers and XXXX XXXX  are engaged in criminal theft of real property and RICO violations with XXXX XXXX. I refer this case to US DOJ and FBI for mortgage fraud, grand larceny, identity theft, theft of real property, estate embezzlement and racketeering. I joinder with class action suit based upon FBI case file XXXX.
Product: Checking or savings account

BMO Harris Financial with XXXX XXXX XXXX have failed to release funds from a IRA inheritance account ( Deceased mother who I'm a beneficiary to that account ). They were able to provided funds to other siblings, but refuse to issue my funds. Total amount is around {$16000.00}. They told me it is invested and will not release. Contact people are XXXX XXXX and XXXX XXXX from BMO and XXXX. I have been emailing both parties and talking to them since XXXX XXXX and signed all paper work that was required. They keep on delaying funds. I believe its a scheme to defraud me.
Product: Credit card or prepaid card

In XX/XX/2023, XXXX  XXXX had a security breach and my information was part of that breach. I signed up for XXXX immediately after, so XX/XX/2023. Today, XX/XX/2023, I received an email from Capital One approving me for a Venture Rewards card with {$10000.00} limit. I did not apply for this card. I called Capital One and reported it as fraud the person who applied for the card used my name, phone number, email, and address ( all leaked from XXXX XXXX ) so the person at Capital One asked me if I was sure I did not apply for this card or someone who is authorized to act on my behalf did not apply for this card. I can confirm I did not apply for this card. Also, the home phone number of the card is not my number, I assume it's the fraudsters.
Product: Student loan

Hello and thank you for your help. I completed the recertification process with Mohela on XX/XX/XXXX, as they indicated that my recertification was due by XX/XX/XXXX. Subsequently, on XX/XX/XXXX, Mohela placed me on administrative forbearance. Following this, they processed my IDR submission from XX/XX/XXXX, and informed me that my next payment of {$270.00} is due on XX/XX/XXXX. 

However, on XX/XX/XXXX, the government announced that recertifications for income-driven repayment plans were extended to at least XX/XX/XXXX. They also stated that individuals, like myself, who recertified and experienced an increase in their monthly payments, would be reinstated to their previous plan and payment amount before recertification. 

On XX/XX/XXXX, I spoke with XXXX ( agent number XXXX ) from Mohela 's advance team, requesting to be placed back on my previous save plan with a monthly payment of {$0.00}. XXXX assured me that this change would be processed, providing me with a case number ( XXXX ) and indicating that I would be returned to my previous plan by XX/XX/XXXX. However, as of XX/XX/XXXX, this change has not been implemented. 

Furthermore, during administrative forbearance, I have accrued {$1500.00} in interest to this date. As per a communication from the Department of Education, interest accrued during administrative forbearance will be waived. ( Attached please find the communication by the Department of Education regarding this. ) Therefore, I kindly request that my account be reinstated to my previous save plan with a monthly payment of {$0.00} and that the interest accumulated during this administrative forbearance period be waived. 

Thank you
Product: Debt collection

On XX/XX/XXXX I received a letter to my house stating that my former apartment complex The XXXX XXXX XXXX XXXX had sent me to collections ( Southern Management Systems ) for an overdue amount of {$120.00}. 
After speaking with a representative from Southern Management Systems, they told me that I would have to dispute it through them as well as speak to the apartment complex. I got in touch with the apartment complex and they told me that they could not speak to me about a former resident and that this had already been sent off to collections. Additionally, I had placed a security deposit down in XXXX when I initially signed my lease and XXXX  XXXX is claiming that since they were under different management at that time that there is no way for me to get this security deposit and/or have that money go towards this overdue balance they are charging me for. 
I went ahead and sent a letter to Southern Management Systems stating that this is a fraudulent balance and I had never gotten any information from XXXX XXXX about this overdue balance and this is an issue I would like to take care of in a timely fashion.
Product: Credit reporting or other personal consumer reports

This letter constitutes a formal dispute of inaccurate information appearing on my credit report. It is required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., specifically 15 U.S.C. 1681i ( a ). This section of the FCRA grants consumers the right to dispute any information in their credit report that they believe to be inaccurate, incomplete, or unverifiable. 

The disputed information is as follows : XXXX  XXXX XXXX [ Account # : XXXX / Charge Off ] XXXX  XXXX XXXX [ Account # XXXX ] XXXX XXXX XXXX [ Account # XXXX ] XXXX XXXX XXXX [ Account # XXXX ] Violation of 15 U.S.C. 1681c ( a ) ( 1 ) : The FCRA, specifically 15 U.S.C. 1681c ( a ) ( 1 ), generally limits the reporting period for most negative trade lines, such as late payments, to seven years from the date of first delinquency. The continued reporting of late payments on this closed account may exceed this statutory limitation.

Potential Violation of 15 U.S.C. 1681b : The continued reporting of this closed account with late payments may constitute a violation of 15 U.S.C. 1681b, which requires that consumer reports be fair, accurate, and impartial.

Violation of 15 U.S.C. 1681i ( a ) : Despite filing multiple disputes with XXXX regarding this account, I have not received a thorough and impartial investigation as required by 15 U.S.C. 1681i ( a ). XXXX has repeatedly verified the account as accurate without providing any supporting documentation or evidence of a legitimate investigation. 

Violation of 15 U.S.C. 1681i ( b ) : This failure to conduct a proper reinvestigation, even after repeated disputes, may violate 15 U.S.C. 1681i ( b ), which requires CRAs to reinvestigate disputed information.

Violation of 15 U.S.C. 1681i ( c ) : XXXX has failed to provide me with the results of their investigation and any supporting documentation related to this account, as required by 15 U.S.C. 1681i ( c ). This lack of transparency hinders my ability to understand and dispute the accuracy of the information being reported.
Product: Credit reporting or other personal consumer reports

My account with GM FINANCIAL was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

GM FINANCIAL Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit card

My card number was stolen/compromised ( not the physical card ). I tried calling BOA on XXXX to request a replacement card. The associate sent a code to my cell number, and, unfortunately, as I was going to retrieve it I accidentally hung up the call. I immediately called back. The same thing happened. I have a new phone and have limited abilities in my arms ( XXXX ). The third time I called they said to use the mobile app. I said I couldnt because XXXX XXXX and did not want to incur fees, but I had multiple verified numbers on my account that could be attempted. I asked to speak to a supervisor. The supervisor hung up the call on me. I bit the bullet and called through the app. I have the number to prove it, as the automated system dialed for me and dialed additional numbers to the regular BOA number as well. The lady immediately answers the phone saying I need to call through the app. I told her I did that, and she said I did not. I let her explain to me how to call through the app ( the same exact thing I had just done ), hang up and call again through the app. The person then says that I have not called through the app and need to visit a branch in person with XXXX forms of ID. This would be mildly OK, although still incredibly discriminating towards people with XXXX, except for the fact that I am currently abroad in the XXXX and will not be home for months. 

I gave it a break and called back in a few hours. The man I spoke with was kind and said to call back in 24 hours and they would be able to try to authenticate with another number on the account then. 

I did that, and the lady says I need to go in person. She then says she can not authenticate the other numbers ( for absolutely no reason ) and says to call through the app or try again in 24 hours. The absolute JOKE is that BOA has locked my online account, so I CAN NOT LOGIN TO CALL THROUGH THE APP. When I asked to speak to a supervisor, the agent hung up on me again. 

They are absolutely refusing me service, withholding account information, and potentially opening me up to further fraud because I have absolutely no idea what is going on with my account. 

They refuse to authenticate my account through my email address or other phone numbers THAT BELONG TO ME that are registered on my account, through my billing address, full name or social security number. They tried authenticating my account ONCE and then proceeded to completely lock and kick me out of MY OWN CREDIT CARD ACCOUNT.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX RE : Method Of Verification Request To whom it may concern, I have repeatedly requested that you investigate the accounts below and provide me with any documents to support your reporting. As of today, you still need to supply such documents. 

Accounts : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXXXXXX - XXXX XXXX. XXXX XXXX - XXXX ( Late Payment ) I am requesting, concerning FCRA 611 ( a ) ( 7 ) : A description of the procedure ( s ) used by your agency in my earlier disputes.

All the information you used for your investigation, as FCRA 611 ( a ) ( 7 ) required. 
Written proof that you forwarded all the relevant information in my earlier disputes to the creditor. FCRA 611 ( a ) ( 2 ) ( B ) If such information can not be provided within 30 business days, I demand the complete removal of the account from my credit report. 

I am keeping careful records of our communications in case I must file a complaint to seek relief and monetary damages under the FCRA Sections 616 and 617.

After you've completed your investigation, please send the results to me via mail.

Please note I am sending this letter on my behalf and have included a copy of my ID to verify my identity. 

My information is as follows : Full Name : XXXX XXXX XXXX : XXXX Date Of Birth : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX, IL XXXX Thank you for your time, XXXX XXXX