23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, R & R Professional Recovery , Inc. a member of R & R professional Recovery contacted my family ( Uknown how ) and threatened their credit, revealed my personal information, and amounts due of {$500.00} something. This resulted in my family giving my information., I called R & R professional Recovery and spoke to XXXX. Apologetic about the situation, he tried to negotiate and drop the debt down to XXXX. I was not interested as the amount was originally being disputed with the original creditor ( continues to throw us to R & R recovery, when we call ) Now my credit report states that R & R wants the whole XXXX something. No one has contacted me since then. I called R & R XX/XX/XXXX and XX/XX/XXXX with not able to speak to anyone. I am just finding out today this was reported to my credit. I called today again at XXXX on XX/XX/XXXX and was not able to reach anyone. 


Mr. XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX, MD XXXX PHONE : XXXX XXXX ext XXXX FAX : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED CHAPTER XXXX BANKRUPTCY ON XX/XX/XXXX, CASE NO. XXXX AND XXXX FILED TO ADHERE TO COLLECTING ON SAID DEBT, AND KEEPS REPORTING INACCURATE DATA TO ALL BUREUS AND STILL IN NOT REPORTING TO XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I still have not seen results to an investigation into the items I believe to be inaccurate on my report. This is the second complaint I have had to make about the lack of response. My first was made on XX/XX/2020 and was accompanied by a dispute submitted directly to XXXX, XXXX  and Equifax. The CFPB complaint numbers were XXXX ( XXXX ), XXXX ( Equifax ) and XXXX ( XXXX ). While I understand that there is a pandemic which can cause delays, I have not received anything from them since my first dispute on XX/XX/2020. This is not a delay : this is negligence on the part of all 3 bureaus, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by XXXX, XXXX or Equifax to resolve anything. I also know that there was data released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. XXXX, Equifax and XXXX must be held accountable and to the standards clearly outlined in the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent proof to Chex Systems of the reporting error showing a different account closure date and different account balance. Their response was a confirmation of their original reporting, and a contact address for the creditor, which was incorrect. 
I sent a certified letter to the creditor with the same proof of the error I sent chex systems, but my letter came back as a bad address. The other address Chex systems listed for this creditor is also incorrect. I am not able to submit my proof to the original creditor and this remains an item on my chex systems report despite, me providing proof it is incorrect. 

This error is extremely detrimental, costing me jobs, loans and the ability to open a checking account. I need it fixed immediately. Chex systems has taken over 75 days to address this issue and it is still not fixed. 

The other party wrongfully reporting/verifying this debt is XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX, NC XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention the ongoing difficulties I have encountered in my numerous attempts to rectify fraudulent items on my credit report. Despite repeated efforts to address this issue, the fraudulent entries persist, causing substantial harm to my creditworthiness and financial well-being. 

I have attached copies of my credit reports highlighting the specific fraudulent items, along with supporting documentation that unequivocally proves the illegitimate nature of these entries. 

Despite my diligent efforts, the fraudulent items persist on my credit report, causing unwarranted financial stress and potential harm to my personal and professional life. I am aware of the gravity of identity theft and the urgency required in resolving such matters to protect both consumers and creditors. 

I kindly request that you conduct an immediate and thorough investigation into this matter and promptly remove the fraudulent items from my credit report. Additionally, I expect a detailed written response within 30 days of receiving this complaint, outlining the steps taken to address and rectify the situation. 

Should my concerns remain unaddressed within the specified timeframe, I will have no choice but to escalate this matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal advice. I am asking for your assistance to remove these fraudulent items in my credit file : 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 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: Mortgage

I have been working with Mr. Cooper, previously known as Nationstar in regards to making my payments again. I was approved for a re-payment plan to which I made 6 payments of {$1600.00}, I was informed that after the 6 payments were made it would be reduced to something more affordable but that was not the case. I was not able to continue to make those payments because I struggled for the 6 months to make the payments I was told would be reduced. Now I am facing foreclosure again and being left with no options as Mr. Cooper is refusing to offer me any alternatives. My loan was originally serviced by XXXX XXXX XXXX, I experienced a hardship and fell behind when my loan was then transferred to Nationstar. Legally, Nationstar is just a debt collector and has no right to foreclosure on my home. All my HBOR are being violated and I have looked into obtaining an attorney to help me get to the bottom of this.
Product: Debt collection

XX/XX/2020 received a letter from American Coradius International LLC ( ACI ) saying that this " XXXX XXXX '' ( notice no middle initial and last name removed ) owed {$270.00} in a XXXX account that they are collecting for. There are hundreds of XXXXXXXX XXXX in the United States. This XXXX XXXX XXXX has never had a XXXX account, so it's impossible to be in arrears to XXXX or ACI! XXXX won't answer any inquiries because the " debt '' is now ACI 's. Contacted ACI by phone XX/XX/2020. Got a lot of doubletalk without any resolution. On behalf of all the other XXXX XXXX in the United States, who were " cold-lettered '' also, I just wanted to submit a CFPB Complaint for the Record. I told ACI that I was going to file a CFPB complaint. How many elderly " XXXX XXXX  '' received the same ACI letter indicating they would accept a lower payment of {$200.00} to consider the matter closed. Would have been nice for ACI to enclose a photo copy of the XXXX account that I never had!
Product: Mortgage

Back around  XXXX   XXXX  I sent my paperwork to Rushmore via return  XXXX . When I called to follow up they told me they did n't receive it. It took anothe r 2  weeks before they sent me another which I mailed back on the  XXXX  of  XXXX . When I called to check the status they told me they were n't going to review it because it was less than 37 days prior to the foreclosure sale on  XXXX / XXXX /  XXXX  . According to RETURN INTEGRITY & ACCURACY TO FORECLOSURE AND BANKRUPTCY PROCEEDINGS a lender or servicer is to continue review up to 15 days prior to the sale date and conduct an expedited review. It appears that Rushmore is not following the rules to allow me to keep my home.
Product: Credit card

I had my credit card limit reduced without my knowledge and when went to make a purchase I was totally embarrassed to be made to feel like a criminal or some irresponsible person. It was absolutely humiliating. I have been an outstanding customer to Citi. I HAVE ALWAYS PAID MY BILLS EARLY OR ON TIME AND I HAVE ALWAY PAID MORE THAN THE MINIMUM AMOUNT DUE. My credit limit was {$3200.00} according to my last statement ( attached ), but they apparently reduced my credit on XX/XX/XXXX, XXXX the excuse given was that I had one or more of my other credit cards near the limit, but not theirs until they intentionally reduced my limit to make their card appear as though I have raised it to the limit. Thereby intentionally hurting me and my credit score and making me appear a greater risk. This was done to me despite me having a Good credit score of XXXX Who reduces someone's credit limit when they have Good credit? This was intentional evil. My credit limit was reduced to {$2500.00}. That is {$700.00}. This happened when I had available credit of {$770.00}. That means this card is now at the limit when it should still have nearly {$800.00} available credit. To intentionally do something to hurt or harm someone in any way is evil. I was told that I can have it looked at in 6 months. I received credit increases without even asking for them due to my payment history and now they are reducing my credit limit when I have done nothing to deserve it but pay my bills early or on time. NEVER LATE.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXXt XXXX XXXX XXXXXXXX account # XXXX, XXXXXXXX XXXX XXXX account # XXXX, XXXX account XXXX XXXX, XXXXt account XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXXXXXX 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 XXXX : {$69.00}
Product: Credit reporting or other personal consumer reports

In the latest credit report in under my account there are several errors that falls under all or one of the following : Failure to Address Disputes Properly.

Outdated or Inaccurate Adverse Information.

Privacy Act Violations. 
Inaccurate or Confusing Information Potential Incomplete or Incorrect Remarks on Closed Accounts I hereby revoke any prior consent provided to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, written, verbal, or otherwise, to share or report any of my nonpublic personal information to third parties, including CRAs. 

See attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a report from TransUnion in the mail showing where they have updated my name. Transunion is reporting 2 names, there should only be one name reporting. I have sent the proper documents verifying who I am. My name needs to be corrected, per the documentation that I have uploaded on my previous complaint.
Product: Credit reporting or other personal consumer reports

This is my multiple attempts to inform you that I am a victim of identity theft and that I wish to dispute some records in my file that were obtained illegally. The documents I'm looking at don't have anything to do with me or my authority acquiring ownership of any goods, services, or money. Block the notoriety of any material in my credit report that resulted from a claimed scam or extortion, assuming no one cared either way. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

the collection agency put me on the phone and had me get into my personal business of why i stoped paying for the debt and asked why i am XXXX and had me repeat it like 3 or 4 times to make me feel bad or gulity about the whole situration and then asked why i broke up with my fiance .. and then asked how much is in my checking acount. The agency name is atlantic Credit and fiance incorporated
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I am frustrated and I feel ike the Credit Bureausa have been ignoring my disputes requesting the correction of the disputed items that are still reporting on my Credit File despite the multiple letters and CFPB Complaint I have been submitting addressed to the Credit Bureaus. As of now, I am submitting another CFPB Complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. Please correct and or remove the following items from my Credit File : XXXX XXXX XXXX XXXX XXXX, MO XXXX- This address in incorrect and outdated, I need you to please remove this inaccurate address from my Credit File. 
XXXX XXXX  XXXX Balance Owed : {$0.00} - This account is CLOSED and the BALANCE is XXXX, and you have been reporting this account as late when in fact the account was paid and closed. Please correct this account or remove if unable to correct.
Product: Debt collection

Upon checking my credit file I saw this company enhanced recovery ( ERC ) that I have never done business with about a alleged debt that is not mine. They have never contacted me nor provided me with legal documentation about this debt. Please remove from my credit file.
Product: Consumer Loan

On XXXX XXXX, XXXX, I took out an Auto Title Loan from LoanMart and received {$8000.00} ( includes a {$19.00} XXXX fee ). I paid LoanMart back {$9300.00} on XXXX XXXX, XXXX. I had the loan for 78 days and in the interim, I also paid two payments of {$840.00} to LoanMart. In total, I received {$8000.00} and paid {$11000.00} ( {$9300.00} + {$840.00} + {$840.00} + {$19.00} XXXX fee ) or {$2900.00} ( less {$19.00} XXXX fee ) in interest. I estimate that LoanMart overcharged me {$1700.00} and LoanMart refuses to tell me how the {$2900.00} in interest was calculated and how the {$9300.00} payoff amount was determined. 
On XXXX XXXX, XXXX, I paid off my car title loan of {$9300.00}. I had to call LoanMart for my payoff amount and was told it was {$9300.00}. I asked them how the {$9300.00} was calculated and was told they did not know, but for every day I delayed payment, I would be charged a daily interest rate. I paid the amount LoanMart said I was required to pay and called LoanMart several times to determine how the interest was calculated. LoanMart could not tell me how the interest was calculated so I wrote a Certified letter to LoanMart for an explanation. LoanMart received my letter on XXXX XXXX, XXXX and as of XXXX XXXX, XXXX they have still responded to my request.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2023, my girlfriend and I fell victim to a multilayered scam operation orchestrated by the Fraudulent Company, with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of the client losses to gains. 
This situation resulted in me loosing XXXX USD of my hard-earned funds.
Product: Credit reporting or other personal consumer reports

I do not consent to e-OSCAR and want a human to read this complaint. This is a NOTICE for GENERAL COUNSEL. I have complained about this matter before, but EQUIFAX has not yet fixed the problem nor has compensated at all for federal consumer rights violations and damages. EQUIFAX continue to furnish XXXX XXXX XXXX XXXX. I will have proof of my claims attached and every marked-up furnishing is a violation. If we can't come to a fair and reasonable resolution, then I fully intend to pursue Arbitration.
Product: Vehicle loan or lease

In late XX/XX/XXXX I received a letter and check ( {$5800.00} ) from Wells Fargo, for payments not being processed in a timely manner. They said it was compensation but I was under the impression it was reimbursement for over-charged interest. I thought it was part of the class action lawsuit for errors from XXXX XXXX. In XX/XX/XXXX I received a 1099-INT for the entire amount. 
I called Wells Fargo on XX/XX/XXXX for a detailed accounting of the payment because I was led to believe that the remittance was reimbursement for over-payments. I was told at that time by the Wells Fargo agent that it was for over-payment on the account from XXXX to the close of the account. I explained at this point if it was reimbursement for over-payment, that it is not earned interest to be reported on a 1099_INT, and I want a detailed accounting so that our accountant can file an appropriate tax return. A case number was provided ( # XXXX ). 
I again called Wells Fargo on XX/XX/XXXX because we had not received a response from the initial request. At that time, they informed me the request was never submitted and thus a new case had to be opened ( # XXXX, this was emailed to me the next day ). They escalated the case to the executive office. Wells Fargo agent stated they needed 10 days to complete their research. 
I received an email XX/XX/XXXX stating they could not finish the research request and they hoped to have it completed by XX/XX/XXXX. This is beyond our tax deadline, so now to avoid penalties and fines we must pay for an amended tax return and pay full taxes although we do not agree that the amount Wells Fargo provided to the IRS in the XXXX is correct. 
We have had problems with Wells Fargo and this account for years. This was a personal loan for a motor home and Well Fargo held the title for it. After paying off and closing the account, we never received a title or even a letter stating it was paid. They had the title in their possession and after requesting it and a letter stating it was paid off, we did not get it for months. They can not update our address in their system since the account is paid off, thus I received the 1099-INT in XXXX. They can not even send an email correctly, they sent initial emails to one email address, and the follow-up to a completely different one.
Product: Credit card or prepaid card

I have a business and one of my staff resigned, he had a credit balance, when a check was sent to me, it was in his name, XXXX XXXX, I wrote to Bank of America and asked that a check be made out to me, they ignored my request
Product: Student loan

XX/XX/XXXX I got a loan from Sallie Mae for XXXX. Its now XXXX and I still owe XXXX. Ive paid this loan 2-3 times over. The year XXXX, I scheduled for the loan company to take money out weekly for every time I get paid. I paid {$3300.00} ; which is on my tax information. I went on Navient which has my loan now and looked at the life of the loan and the information does not match up with my actual payments. According to Navient I paid a total of XXXX, which is in correct. It also had late fees that were doubled and I was making payments sometimes on the same day as the payment was being removed from my account. On XX/XX/XXXX, I requested all payments from this loan and my contract. I was told it would be sent out. Im concerned that my payments were misappropriated and late fees were being charged, when I was making payments and Im being overcharged when my loan should have been paid off a long time ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed inaccurate information on my credit XX/XX/2019. Names, address, phone numbers and date of birth is inaccurate. Accounts : All accounts are inaccurate, unverifiable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried multiple time past year to have this one account XXXX XXXX XXXX removed. I CALLED XXXX the original creditor. My first delinquency with them dated back to 2013. So these credit bureaus are NOT doing investigations as they say they are. The consumer law states 7 years from first delinquency with ORIGINAL CREDITOR. Its been TEN YEARS. This is a violation of my rights. They REFUSE to provide any proof of any information they have. They show no proof how they investigated. Again VIOLATING MY RIGHTS. If they would do their job and investigate they would see this company is fraudulent!
Product: Money transfer, virtual currency, or money service

I send XXXX to my daughter for school and it went to the wrong person. I tried getting it back and nothing came from it.