23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Please take my complaint seriously. This company is lying that they have reached out to me. Me and my lawyer have evidence against them that we will be using in court if they do not address the idenity theft i am facing. they have illegally used my information and have been allowing my idenity theif to continue to destroy my credit. 

CFPB this company is lying they have no reached out to me with documentation i requested, and the investigation took longer than 30 days. i cant wait longer, they are using stall tactics. please hold them accountable. This is extremley time sensitive. 

please reference ( XXXX ) cfpb complaint. if i need to call the cfpb directly over the phone or have my lawyer call please let me know because im thinking there might be a bot closing the case automatically. please help me.

IF YOU GUYS ARE ABLE TO PROVE THE DEBT IS MINE AND IS VALID, OR NOT MY IDENITY THEIF THEN WHY NOT SHOW THE CFPB?

THEY DID NOT REQUEST NO INFORMATION SO STOPPPPPPPPPP LYINGGGGGGGGGGGGG PLEASEEEEE STOPPPPPP
Product: Debt collection

XXXX XXXX acct # XXXX I pulled a copy of my credit report and XXXX reported a collection item for XXXX XXXX XXXX. i paid the hospital and even received a refund check from them for over payment. I have attached proof. This has damaged my credit.
Product: Credit reporting or other personal consumer reports

DISPUTE LETTER AGGRESSIVE CREDIT REPAIR LETTER SECTION 609 ROUND 1 The following account need to be removed immediately : Account Name : XXXX XXXX Account XXXX Reason : Please verify and validate all data for this account, every notation, dates, and balances, whether reported or not. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX 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 an account without my written instructions. 

Name : XXXX XXXX Date of XXXX This inquiry was made without my knowledge or consent, and I would like to be provided with proof that I consented to this inquiry via FCRA section 609 and 605 as well the accuracy of this inquiry via FCRA section 623. If you have no proof of any or one, I would like it removed. 

Under the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my credit report. It is my understanding that you will recheck these items with the creditor who posted them. Please send an updated copy of my report to the address. 
Sincerely, XXXX XXXX
Product: Mortgage

Our house burned down on XX/XX/2016. We were covered by XXXX, who, according to the terms of our policy, sent most of the money to our mortgagor. XXXX Mortgage XXXX received {$190000.00} of our money. XXXX held on to our money for a month, never releasing it to us, then sold our mortgage to Nationstar Mortgage. I had to go through the whole process again to get my money released to me. In the meantime my builder was ready to walk off the job of rebuilding our house because he was n't getting paid. I finally got all of my money except for {$7800.00}. Nationstar said that they had to send out an inspector to " protect their investment. '' I advised them that the house was completely rebuilt and that I had a XXXX of XXXX. They said they could n't trust that!!!!! The original inspection was ordered on XX/XX/2016 ; I was never called. On XX/XX/2016 I called again and was advised that the inspectors had our wrong phone number. I told them to call me on my cell phone since our house phone was set up yet. On XX/XX/2016 I called again and was advised that no one answered the phone to set up the appointment. The number they were calling was our old house number that was disconnected. I was assured that the inspector would call us to set up an appointment on XX/XX/2017. As of today, I have not received any calls. These inspectors are not capable of making a single telephone call, how are they capable of doing an inspection? The way we have been treated is disgraceful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I repeat this is not a duplicate, I am filing this because there has been no resolve to this complaint. Read this entire complaint..This is not a duplicate, this company financial data systems is breaking the law by falsifying its responses to complaints through the CFPB portal we are using at this moment to file this as I speak.. Financial data has made several severe violations in the actions regarding to the violations and to the dispute process.. this is not a duplicate, financial data has broken NC laws and Federal laws pertaining to 15CLet it be known to all that financial data systems have perjured themselves again! ..A complete falsified response to cover up serious violations they committed over 8 weeks ago and still are hiding and breaking the law this complaint today I ask that financial data systems answer the complaint I filed almost 3 months ago with regard to the damaging letter and quit lying on your responses to the federal government
Product: Debt collection

A collection showed up on my account. It was {$110.00}. They said it was an old cable bill. Quite possible. I went through a divorce. Mind you I never received any notification that I owed this From Transworld systems. Nothing ever. It was a small amount I thought pay it and be done with it. Bad choice on my part. I asked if they would provide me a receipt. I asked at least twice. This was XX/XX/2023. She said yes XXXX hours. Couple days go by no receipt. Called on XXXX XXXX said it would be XXXX days. Called XXXX XXXX XXXX days. Same story asked for supervisor said theyve sent request XXXX days. To make a long story short called every day ( 5 days ) to get receipt. They always said it was a different department and it would be XXXX days every time. I pay a credit card bill get a receipt in XXXX seconds. They dont want to provide a receipt. My guess is if I cant prove I paid it they can try to collect later or sell the debt to another collection company. It is a systematic effort to not provide a receipt. Wasted so much time on my end.
Product: Credit reporting or other personal consumer reports

I was notified that a fraudulent inquiry was placed on my Equifax credit report as someone attempted to open a XXXX XXXX credit card using my social security number. I contacted both XXXX and Equifax to have it removed after freezing my credit and they said that in order to have it removed I would need to file an FTC complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name XXXX XXXX, I've been retired from the US Military since XXXX. I'm now an XXXX year old man, and lve been retired for 48 years. I've recently pulled my credit to see what was on it. Apond pulling my credit I found several items that I never applied for, several address on my credit profile that I am not aware of. I never lived at any other address. If you look at my credit profile I have live only in one state after I retired from the Military in XXXX, I have not lived in no other state. I built my home here and have always live here in south Florida after I retired in XXXX. I have always had perfect credit and now my credit have been used fraudulently used. I am asking for my address to be corrected on my credit profile and any other to be removed form my credit profile. I have reached out to the three major credit bureaus and submitted a claim of fraud on my account. Per the 605b any fraudulent information on my credit profile needs to be removed within 4 business day upon my letter of request. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2021, I mailed a letter to TransUnion to remove a dispute on the XXXX XXXX tradeline. I am in the process of refinancing and underwriting requires the removal of disputes from tradelines. I never received a response and made a complaint to the Consumer Financial Protection Bureau regarding the lack of response from TransUnion on XX/XX/XXXX, XXXX.TransUnion responded that they were putting a dispute on the tradeline instead of removing it! I again complained on XX/XX/2021. TransUnion responded on XX/XX/2021 that they were going to investigate and close out the complaint within thirty days and mail me the results. It is now XX/XX/2021 and I have not received a response. My refinance is on hold due to TransUnion 's failure to remove a dispute from my XXXX XXXX tradeline. It does not take five months to remove a dispute. Due to TransUnion 's failure to remove the dispute, I may lose the great rate I was offered. I need TransUnion to remove the dispute immediately and send me an updated credit report demonstrating that the dispute was removed. I await TransUnion 's response.
Product: Mortgage

My name is XXXX XXXX and i'm an XXXX member. unfortunately i was a victim of solar mosaic scam, they are in bed with construction companies. they gave my loan to XXXX XXXX the loan was for {$75000.00} and took {$46000.00} the took from me cash. this is not okay please have some oversight.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my documents coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$460.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1100.00} XXXX XXXX XXXX
Product: Mortgage

I refinance my mortgage and received a letter dated XX/XX/XXXX that my mortgage was sold to Loan Care effective XX/XX/XXXX. On XX/XX/XXXX I logged on to their website, made my first payment and signed up for e-statements. On XXXX I realized my payment had not come out of my account, so I went back on to the website to find that I have a XXXX principal balance. On XXXX I called Loan Care and spoke with XXXX ( XXXX ) who told me my loan was sold to XXXX XXXX now known as XXXX XXXX as of XX/XX/XXXX and she told me my payment would be forwarded to them. She claimed that a letter was sent to me on XX/XX/XXXX, but I never received this letter. 
I called XXXX XXXX and they have no record of me yet, and I never received a letter from them. XXXX, from XXXX XXXX then called Loan Care back to try to get the new loan number and they do not have that information. The new person we spoke with at Loan Care told me my payment would not be forwarded to XXXX XXXX. 
My loan 's first payment due date is XX/XX/XXXX. I am currently 13 days past due, and I have no way to make my mortgage payment. I understand there is a 60 day grace period when your mortgage is transferred however, not being able to make my payment is unacceptable, and I do not want my payment history to reflect a payment posted after the due date. 
XXXX XXXX states that it can take 7 days to load new transfers information to their system. It has now been 9 business days from the day of transfer and they still do not have my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

Dear Sirs, I hope youre doing well. I disputed a credit card that was charged off with Experian in regards to how they reported to this repository. I received the dispute back less than 30 from my initial complaint date. Experian usually takes 30 days to resolve a dispute. They responded to quickly. I dont trust the results. I believe they never investigated my dispute. I recently saw an article where the Consumer Financial Protection sue Experian for this very reason. This XXXX card should reflect I have a monthly payment plan.
Product: Credit card

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Capital One regarding a disputed interest charge and the poor handling of my concerns by their customer service team. 

I contacted Capital One a month ago about an interest charge of {$35.00} on my account. During the call, the customer representative assured me that the charge would be waived. However, despite this confirmation, the charge remains on my account. 

When I followed up with Capital Ones customer care team today, I was informed that the charge would not be waived, contradicting the earlier assurance. This reversal is not only frustrating but also reflects a lack of accountability and consistency in their customer service. Being provided with false information has caused unnecessary stress and wasted my time. 

I find this experience deeply disappointing and misaligned with the standards of fair and transparent customer service that I expect from a financial institution. I am requesting your assistance in resolving this issue and ensuring that Capital One addresses this lack of integrity and inconsistency in their customer care practices. 

Thank you for your attention to this matter. I look forward to your guidance in resolving this issue. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

IQ DATA INTERNATIONAL failed to report to one or more of the credit reporting agencies that the debt was disputed. I notified XXXX, XXXX, and XXXX XXXX and each company responded by saying my complaints don't appear to come from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items 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 items 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 are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX # XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) XXXX Date opened XXXX XXXX XXXX, XXXX Balance : {$650.00} ; XXXX XXXX  XXXX Inquired on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. This company requested my credit report without my consent. Although no accounts were opened in my name this inquiry still shows on my credit file. I have attached copies of documents from other companies documenting the identity theft.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's finding indicates that Zelle has not only. neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This. lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent Equifax credit an Affidavit of Truth stating 1. On XXXX XXXX I sent a certified mail letter to you Equifax stating I noticed some inaccurate information reporting for the following accounts XXXX XXXX XXXX XXXX account number XXXX and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX. ) account number XXXX-XXXXXXXXXXXXXX. I asked you Equifax to please investigate this matter, and get back with me when you were finished. 
2. I did not receive a reply back. So on XX/XX/2021 I sent another certified mail letter to you Equifax. The letter stated It had been 30 days and I hadnt received any reply from you all. I stated for XXXX XXXX XXXX XXXX account number XXXX the Date of Last Activity was not the same on XXXX and wasnt reporting at all on XXXX. I asked you Equifax to Delete this account for inaccuracy and violation for not responding back within 30 days. 
3. For account XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX. ) account number XXXX-XXXXXXXXXXXXXX, ( which didn't show an actual account number ). I stated that you Equifax had 30 days to note to my credit report that I was disputing this account. As of XXXX XXXX It wasnt showing in the comments section saying Disputed by Consumer. I asked you Equifax to Delete this account for violation and also for not responding back within 30 days. 
4. The reply to my XXXX XXXX certified mail letter was received in the mail XX/XX/2021 ( The letter inside the envelope itself was dated XX/XX/2021 ). That is over 53 days which is a violation. And your reply to both accounts was that the items were verified and has been reported correctly, which is not true. 
5. Again you Equifax did not reply back to me within 30 days and I hadnt received any reply from you all until 53 days later for XXXX XXXX XXXX XXXX account number XXXX, and the Date of Last Activity was/is not the same on XXXX and isnt reporting at all on XXXX. This account must be Deleted for inaccuracy and violation for not responding back within 30 days. 
6. For account XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX. ) account number XXXX-XXXXXXXXXXXXXX ( which didn't show an actual account number as well ), you Equifax had 30 days to note to my credit report that I was disputing this account. As of XX/XX/2021 it wasnt showing in the comments section saying Disputed by Consumer. This account must be Deleted for violation and not responding back within 30 days. 

The response back from Equifax on XXXX was that XXXX XXXX XXXX that Account Number XXXX and XXXX XXXX XXXX that Account Number XXXX was verified as Belonging to me. My dispute was not that these accounts were not mine. As you can see above they addressed the wrong accounts and reasons.. And XXXX XXXX XXXX  was never disputed. Equifax is Willfully and wrecklessly reporting inaccurate information after being notified of the violations, reporting errors and failing to investigate or correct the error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life This suspicious item is not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove this item from my report : XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX Company Inquiries : 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
Product: Debt collection

Report of Unauthorized Accounts and Inquiries XXXX XXXX XX/XX/2023 To Whom It May Concern, I am writing to report several unauthorized financial activities and accounts that I recently discovered on my credit report. Upon reviewing my credit history with my XXXX XXXX credit counselor on XX/XX/XXXX, I was alarmed to find several accounts and inquiries that I did not authorize or recognize. The details of these discrepancies are as follows : Unauthorized Accounts : 1. Navy Federal Credit Union ( NAVY FCU ) - Multiple revolving accounts and an overdraft account. 

2. XXXX XXXX ( XXXX XXXX ) - An open account linked to the original creditor " XXXX XXXX. '' 3. XXXX XXXX - An open account linked to the original creditor " XXXX XXXX XXXX XXXX '' 4. XXXX XXXX XXXX ( XXXX XXXX ) - An open account associated with " XXXX XXXX XXXX XXXX XXXXXXXX XXXX. '' 5. XXXX XXXX - An open account linked to the original creditor " XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX '' Unauthorized Inquiries : 1. XXXX XXXX 2. NAVY FCU It has come to my attention that there's a particular account associated with a XXXX in Texas and a subsequent eviction. I would like to categorically state that neither my wife nor I have ever resided in Texas, let alone a XXXX. We currently own XXXX properties in Georgia, XXXX in XXXX and another in XXXX. The information suggesting that someone was living in a Texas XXXX and faced eviction is entirely foreign to us. 

I have never given consent, verbally or in writing, to anyone to open these accounts or make these inquiries on my behalf. I was completely unaware of these unauthorized activities until XX/XX/XXXX at XXXX pm when I spoke with my credit counselor. 

The integrity of my credit report is of the utmost importance, especially since I am in the process of seeking to purchase a new home. Any discrepancies or inaccuracies could have significant implications for my financial well-being and plans. 

I am gravely concerned that I may be a victim of identity theft or fraudulent activities. I kindly request that a thorough investigation be initiated into these unauthorized activities. I am more than willing to cooperate in any way to ensure that this matter is resolved and that the perpetrators are brought to justice. 

I truly appreciate your attention to this pressing matter and thank you in advance for your support and assistance. 


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

Looking over my credit report and notice there were fraudulent accounts that does not belong to me and never authorized any contracts and business with these companies. The following accounts are listed below : 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

Despite the multiple previous written requests, the unverified items still remains on my credit report in violation of Federal Law. They failed to MOV and failure to POLP within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor and the credit bureaus, as willful non-compliance. 
Wells Fargo Card Ser XXXX Open Date XX/XX/XXXX Balance {$2500.00} and Wells Fargo Card Ser XXXX Open Date XX/XX/XXXX Balance {$21000.00}