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

Under 15 USC 1681 ( b ) - Permissible Purposes of consumer reports, ( a ) In General Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 

According to the Fair Credit Reporting Act, these disputed items must be reinvestigated or deleted from my credit record within 30 days. Throughout the investigation period, these items must be removed from my credit report as the reporting of items prior to debt validation constitutes collection activity. In your investigation results, please render the names, addresses, and telephone numbers of individuals you contacted during your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}, {$11000.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am w riting to request the method of verification for dispute initiated on  XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 


-- XXXX XXXX 3. XXXX XXXX LEASING with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Debt collection

I have been receiving calls from Sunrise Credit Services, phone number XXXX. When I called, I spoke to XXXX XXXX who advised me that I had a balance due with XXXX XXXX XXXX. When I advised that I never had an account, she told me that it was a case of identity theft and that I needed to email or fax a copy of my photo id, social security card, and two forms of residency to XXXX or XXXX, and reference the account number she provided me, which was XXXX along with my phone number. I was advised that services were activated from XXXX - XX/XX/2021 at XXXX XXXX in the XXXX, NY. When I reached out to XXXX ( XXXX XXXX ) directly, they confirmed that neither myself or my wife have ever had an account opened in our name. They also couldn't verify the contact information for " Sunrise Credit Services. '' I think they are running a scam to get people to send their proprietary information to them so they can perform the identity theft. When I called back to " Sunrise Credit Services '' at XXXX multiple times and refused to give personal information and ask additional questions, I was hung up on by multiple representatives. Please look into this as the activity seems to be fraudulent and I would like to help protect other innocent people from being the victims of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I received an alert letting me know a collection item was placed on my credit report. When I looked on my credit report I saw that XXXX XXXX XXXX for XXXX is showing that this item is in collections. Inaccurate information for account, status, amount, date open and closed, and payment history are all inaccurate. I have also never received notice of this collection item thus not allowing me to dispute it. It has dropped my credit score down 60-70 points and is damaging to me buying my house.

Please investigate
Product: Credit reporting or other personal consumer reports

Dear Experian, I am writing to you for the umpteenth time regarding the fraudulent accounts on my credit report. I have previously sent you multiple letters along with supporting documentation such as FTC reports, a police report, and an identity theft victim complaint and affidavit. Despite my repeated efforts, the inaccurate information continues to negatively impact my credit profile. 

As a consumer protected by the Fair Credit Reporting Act ( FCRA ) under 605B ( 15 U.S.C. 1681c-2 ), I am formally requesting that you block all accounts that are a result of identity theft or fraudulent activity. It is imperative that you take immediate action to rectify this situation and prevent any further harm to my creditworthiness. 

I urge you to thoroughly investigate the information provided and take the necessary steps to ensure that my credit report is accurate and reflective of my true financial history. Failure to comply with the provisions of the FCRA could result in legal action against your organizations. 

I appreciate your prompt attention to this matter and expect a swift resolution. Please confirm in writing once the fraudulent accounts have been blocked from my credit report. accounts : XXXX XXXXXXXX XXXX XXXX  XXXX : XXXX I'm challenging inaccurate accounts listed below. 

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  I'm challenging inaccurate Inquiries listed below. 

( XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

XXXX, XXXX XXXX, and a few other hard inquiries are showing up after I reported fraud to my account and identity theft to XXXX XXXX and XXXX. These should have been removed from my account and I can't dispute them for some odd reason now. I would like this matter taken seriously and handled in a timely manner.
Product: Debt collection

I have attempted to reach Pro Collect on numerous occasions regarding this debt that I allegedly owe. I never had an account with the original creditor and have also received no response from them when asked to show documentation or a signed contract. I know that I have no signed contract with Pro Collect nor did I authorize them to open an account in my name. It is illegal to add unverified and/or inaccurate information to a persons credit profile. With that said I am demanding that Pro Collect provide original signed contracts that prove they are attempting to collect a debt from the correct person, proof that they are a licensed debt collector in the state in which they are attempting to collect from along with their license number AND proof that they have the legal authority to represent the original creditor in legal matters. 

If these things can not be provided I will be handing this over to my attorneys and seeking any and all remuneration under the law as this entry on my credit report is unlawful and has damaged my credit rating.
Product: Payday loan, title loan, or personal loan

Someone applied for a title loan in my name the car as far I know has been totaled. There keep trying to collect from me I've sent them information on ID theft and it wasn't me. They still are trying to collect on something I didn't even do. XXXX XXXX XXXX.
Product: Credit card or prepaid card

i currently have the American Express Gold Delta SkyMiles Credit card. I received an email encouraging me to refer friends/family to apply and receive XXXX bonus miles once they were approved. I referred my significant other on XX/XX/17. She applied directly with the link i sent her and was instantly approved. I've called both Delta and American Express countless times without ever receiving the miles.
Product: Mortgage

I bought my house XX/XX/XXXX with a {$150000.00} XXXX XXXX XXXX XXXX  ( XXXX ) mortgage. I refinanced for {$130000.00} with NJ Lenders on XX/XX/XXXX. The cancellation of the XXXX mortgage is invalid and NJ Lenders secretly closed the " refinancing '' with NON-MONETARY RELIEF and never paid a penny. The HUD statement on line 104 shows " XXXX XXXX XXXX '' NJ Lenders never paid a penny to pay off the mortgage. The XXXX XXXX XXXX XXXX shows the consideration for both mortgages as XXXX I am unable to sell the house and have dumped hundreds of thousands worth of improvements and can't even get a HELOC NJ Lenders should know better and the original purchase closing attorney is now XXXX Municipal Court Judge XXXX XXXX XXXX Please take a look at the attachments. The proof is on the XXXX XXXX XXXX XXXX and I have additional proof such as cancelled checks and other documents that I want to get to court but I am having a very tough time because XXXX is a Judge. This is very unfair. I have over {$300000.00} in equity and I couldn't borrow in XXXX when I had a 800+ credit score and over {$300000.00} in equity. If the mortgages were legal I wouldn't have damaged my credit and face foreclosure I would be just like many other people who borrow against their equity. I have also sorts of financial problems because someone broke the law. I fixed up the house and dumped a lot of money into and can't touch the money that's very unfair. My settlement for medical malpractice is scheduled in two months and wanted to pay the house off in full but I still won't be able to sell it. Take a look at the attachment and see for yourself.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had identity theft and this company was listed on my credit report and they refuse to remove it. The balance now is {$3200.00} and its reporting on my XXXX credit report and has been showing since 2019. I filed a police report with the XXXX Police Department The company name is XXXX XXXX XXXX GreenSky acct # XXXX
Product: Checking or savings account

Hello, You had advertised on your site a {$150.00} bonus ( {$75.00} paid each over 2 months ). You had advertised promo code : " XXXX '' on your site for this bonus. 

Under good faith I followed the requirements advertised by Tradestation - the terms required I deposit {$500.00} for " x '' days - I met all the requirements but never got paid a bonus. This has been incredibly frustrating. 

I took screenshots of the bonus and the fine print on your site when you advertised this back in XX/XX/2024 when I opened the account. 

I am requesting you please apply the {$150.00} bonus as per the terms you had advertised on your site as I have met the requirements. 

Thank you for your time. 

See attached screenshots.
Product: Debt collection

I have two problems here : One is unfair debt collection practices : First I have received harassing phone calls to XXXX. 
To the degree that I blocked the number. 
In the period of one week, I have received phone calls at the following time : Thursday at XXXX XXXX  ; XXXX XXXX, XXXX : XXXX XXXX  Friday at XXXX XXXX  ; XXXX ; XXXX ; Monday : XXXX ; XXXX ; XXXX, Tuesday XXXX XXXX, So I blocked the number. 
Then I received a phone call on Thursday, XX/XX/2020, with no phone number. It just said " NO Caller ID ''. I answered and they asked for me by my first name. I asked who it was and they said Credit Bureau Services.
Product: Checking or savings account

On Wednesday XX/XX/2019 I attempted to open an online Discover savings account. During the process, it asked me to initiate a one-time transfer from XXXX  XXXX XXXX for {$15000.00} to fund the account. Near the end of the process, the application errored out. I was unable to get an account number or log in info- nor did I receive any texts/emails that an account was opened. I called in to get the information. I received the account number and then was able to register and create an account online. After this, I checked my transfer activity- there was no transfers listed. So I initiated a one-transfer for {$15000.00}. Today on XX/XX/2019 I see that now my transfers were completed twice- overdrafting the linked account. There was no indication that 2 transfers were pending or occurring. Even logging in, it only shows one completed transaction of {$15000.00}. This bank 's technical difficulties have overdrafted my original linked account, without letting the consumer know that an account was even successfully opened! I would never have known if I didn't call in right away.
Product: Mortgage

bad Credit report is preventing me from buying a home. 
Caliber is showing a missing XX/XX/2018 payment. I paid it on XX/XX/2018. 
Caliber reported it as a second payment on XXXX. 
The XXXX payment was made on XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

My car was stolen on XX/XX/XXXX. The police recovered it on XX/XX/XXXX and my primary insurance company, XXXX XXXX XXXX, deemed it a total loss. I also have GAP insurance thru a subsidiary of XXXX XXXX. The loan is thru XXXX XXXX. I contacted XXXX XXXX customer service, who transferred me around 5 times, having to repeat the same story to 5 different people. They finally transferred me to a department that was now in charge of my account. During this time period, I did not receive any information from XXXX XXXX, they did not contact me by phone to inform me in writing regarding any information on my account. On XX/XX/XXXX I made a payment of {$440.00}, which is my car payment. XXXX had assessed me a late charge but WAIVED the late charge on XX/XX/XXXX. XXXX then received and credited a payment from my insurance company, XXXX XXXX XXXX, in the amount of {$14000.00} on XX/XX/2018. Further, XXXX received and credited to my account a payment from my GAP insurance company of {$1100.00} on XX/XX/2018. XXXX REFUSES to acknowledge those payments on my behalf, from my insurance companies, and that THEY credited to MY account as payments on my account and has DESTROYED my credit score by  reporting me as late/delinquent. They have done this because as one of their customer service representatives explained to me, payments from MY insurance company on MY behalf don't count as payments. REALLY??? They have received payments and credited payments on my loan, from my insurance companies, on my behalf, yet they can just erroneously ruin my credit because they have some INTERNAL POLICY that WILL ACCEPT the money but WON'T accept payments on my loan on my behalf. I am not seeking any type of financial compensation, although I do believe they should also WAIVE the 2nd late charge, they have assessed me of {$22.00} on XX/XX/XXXX, AFTER receiving PAYMENT from my insurance company. I am seeking relief from XXXX XXXX 's internal policies that PENALIZE CUSTOMERS for NO good reason and to REMOVE the DEROGATORY credit information that they placed onto my credit reports, which is now on my report for 7 years! The Credit Bureau 's won't do anything, they take the side of the Creditors. Frankly it is amazing, I am the victim of a crime with my car being stolen and now I am the victim of Corporate Arrogance from XXXX XXXX, who is destroying my credit for 7 years! Thank you!
Product: Debt collection

I have submitted a previous complaint against Discover regarding this issue ( complaint id XXXX ). 

Discover Financial Services is alleging that I owe them a debt that is not mine. I sent them a request to validate the debt as required by law. They received it on XX/XX/XXXX. They responded to me that they would investigate, however, never responded with the requirements in order to validate the debt like I asked them to do. I then sent them an Affidavit of Truth which they received on XX/XX/XXXX along with an invoice with the total charges of my violations from them. 
I received a response XX/XX/XXXX which stated that they have closed my account, however are still stating that I am liable to pay the alleged debt and enclosed statements as their evidence. 
Not only has Discover Financial Services ( XXXX XXXX and XXXX XXXX disregarded my Request for Validation under the FDCPA on numerous occasions, they have now again claimed that the account and balance is valid with no evidence. 
If they are continuing to claim I owe them an alleged debt, they are required by law ( and in response to my Affidavit of Truth ) to show proof through validation of debt. 

These are my rights as a federally protected consumer through laws made by Congress and Discover is continuing to violate my consumer rights under Title 15 Chapter 41
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681. I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I have instructed Williams & Rivera LiTI to remove this debt from my credit report. they are still reporting this on my credit as debt even after I have filed chapter XXXX and its been discharge. the vehicle has been included in my BK for XXXX XXXX for a XXXX  XXXX. its listed on my credit report that I owe {$8400.00}. XXXX XXXX is also on my credit report separately to William & Rivera LITI company so its reflecting 2 times on my credit report for the same debt.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain accounts and inquiries listed on my consumer credit report, as referenced below. These entries appear to be the result of a data breach, fraud, or unauthorized activity. I request verifiable proof, including my signature or electronic signature, for any transactions or inquiries associated with these entries. 

Please note that I am submitting this letter on my own behalf and not through a third party. I ask that you carefully review this matter, as I did not authorize these actions. These unauthorized entries represent a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B ( 15 U.S.C. 1681c-2 ), which mandates the blocking of information resulting from a data breach or fraud, and Section 604 ( 15 U.S.C. 1681b ), which outlines permissible purposes for consumer reports. 

I have already contacted the relevant companies and found that these actions were initiated without proper validation or original documentation from the reporting entities. Since I did not authorize these accounts or inquiries, they should be considered the result of a data breach or illegal reporting by creditors or third-party data furnishers. 

I request that you conduct a thorough investigation into this matter and take the appropriate action to resolve these discrepancies promptly.
Product: Payday loan, title loan, personal loan, or advance loan

Applied for a loan from a ad on XXXX and was denied. I then started getting fraud alerts from my bank and notification that I needed to change my passwords. I believe this company is phishing for information. Many people on XXXX applied and stated the same thing
Product: Money transfer, virtual currency, or money service

I was victim of a scam so I was lost about XXXX due to fraudulant transaction to the fake company { XXXX XXXX } via XXXX transferring .service
Product: Credit reporting, credit repair services, or other personal consumer reports

The following Names, Address and Phone number are being reported by the credit bureau Transunion which is violating Federal laws they are NOT me and All is incorrect and non deliverable. I called to get them removed around XXXX and I notice on the newer credit reports XXXX they were not removed..
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX Account Number:XXXX Account Name : XXXXXXXX XXXX  Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

The loan was originally a XXXX loan which was taken over by XXXX XXXX XXXX. I got a loan mod from XXXX XXXX XXXX in XXXX and made every payment according to the loan mod document. In XXXX of XXXX Nationstar took over the servicing of the loan. They told me I did not have a loan XXXX and that I was behind in payments by 11 months. I had all of the cancelled checks that XXXX XXXX XXXX had cashed so I did not understand how that could be. The loan mod was also recorded at the County Recorder 's Office so I knew that I had a loan mod and I had been paying the payments according to what the loan mod said. 
Nationstar began sending my payments back to me and would not accept them so that they could put me into foreclosure and try to take my house. 

I tried to apply for another loan mod to get out of foreclosure but they kept losing the documents and would not give me one. I requested their accounting records but the records they sent were illegible and what was legible was incorrect. They refused to correct their accounting and kept refusing my monthly payments. Attorneys tried to deal with them to no avail and then they said I had to sue them. They kept getting out of the lawsuits on technicalities. One time we went to mediation and their attorneys said that if I dropped the lawsuit they would make sure that Nationstar did not lose my documents so I agreed to that and I applied for a loan mod again. I submitted all of the documents they asked for. While they were supposedly reviewing the documents they put me into foreclosure again. They were not supposed to be able to do that. 

The CFPB and AGs sued them for the same things that I sued them for and they settled with them. Nationstar is continuing to do the same things for which they were sued. I have filed complaints with the CFPB and the last time I did Nationstar said they needed more time to respond and in a letter dated XX/XX/XXXX ( see attached ) they said they would respond by XX/XX/XXXX but they still have not responded and it is the middle of XXXX. In their letter it said I could contact my Dedicated Loan Specialist but when I did that I was told that they could not talk to me. They told the CFPB that they were going to respond to me and not to the CFPB but they never did that. They just lie and continue to breach the settlement order that was posted on the CFPB web site. Is anyone going to enforce the settlement?