23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Central Portfolio Services.. I called to ask for proof of the debt, and to give them a statement on what exactly happened with the Landlord. The first representative I spoke to at CPC began screaming at me on the phone, saying you owe this .. you owe this. He refused to connect me to another representative. I called back and spoke to someone else, who was obviously sitting next to the gentleman I spoke to the first time. He stated I was trying to intimidate him .. and that it sounds like this is a very expensive mistake you made. Sounds like a life lesson for you. So your 1. ) going to judge my life decisions and refuse to help or take a statement on how the debt is not owed. And 2. ) treat me less than human and yell at me as Im trying to explain my situation to you? 


The information on the debt isnt even the company that owns the apartment complex I was in. I signed a lease with XXXX XXXX, and XXXX XXXX purchased the complex during my stay there ( and you would assume that they would have also purchased the leasing agreements and any outstanding debt ). The second gentleman stated I dont see how it matters that the company name is different.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Transunion consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FRCA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5526 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. In addition to the XXXX violations above I have disputed Transunion to remove my educational items as I believe that these loans and the associated personal information should not be reflected on my credit report due to the protections provided under the Family Educational Rights and Privacy Act ( FERPA ) 99.31. This federal law protects the confidentiality of student education records, and I believe that my educational records, including my student loans, may have been shared, duplicated and reported improperly. I request that the CFPB take action to ensure Transunion complies with the federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that I have marked as inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Item needs to be removed as I have provided documentation to XXXX that this {$760.00} charge is not mine. 

XXXX. XXXX XXXX : Account # XXXX - Item needs to be removed as I have provided documentation to XXXX that this {$2200.00} charge is not mine. 

XXXX. ALL DEPARTMENT OF ED/AIDVANTAGE ACCOUNTS per Family Educational Rights and Privacy Act ( FERPA ) 99.31 10. The only address that should be listed on my credit report is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  The only name that should reflect on my report is XXXX XXXX XXXX XXXX. The only phone number that should reflect on my report is XXXX XXXX. The employers listed on my report are false. I have never worked for either of these companies. 

XXXX. HARD INQUIRIES - I never consented for any inquiries to my credit report besides XXXX XXXX.
Product: Debt collection

XX/XX/XXXX - Initiated letter to Legal department of all 3 Credit bureaus. All three credit bureaus show different amount of this debt. Registered mail.
XX/XX/XXXX - Registered mail to creditor asking them to validate debt through audit certification of debt education to debt entry in accordance with g.a.a.p, I.f.r.s., in accordance with basel 3 accord an u.n.c.i.t.r.a.l conventions. And requested copy of creditor 's Tax Registration certificate.Creditor never validated debt. 

XX/XX/XXXX - Requested creditor ask creditor to validate debt via registered mail.
XX/XX/XXXX - Requested credit bureaus validate debt and amounts via registered mail. 

So forth
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of identity theft. Someone stole my drivers license, social security card, XXXX XXXX XXXX XXXX XXXXXXXX XXXX Visa credit card : XXXX, and my XXXX Visa credit card : XXXX from my mailbox, the United States Postal Service mail. I never received my drivers license, social security card, XXXX XXXXXXXX XXXX XXXX XXXX XXXX Visa credit card or my XXXX  Visa credit card in the mail. Someone stole all of my mail. There are fraudulent and unauthorized charges on both credit card accounts. My entire credit limit of {$2500.00} and {$2900.00} was used in a fraudulent and unauthorized manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously filed a complaint with CFPB in regards to a credit freeze Equifax had half of Americans put on there credit when the had a data Breach. Now no one is able to get this credit freeze removed. Equifax sent me a form to fill out after my complain with CFPB which I promptly filled out and sent back to them with the needed information. They still have not removed the credit freeze. If they do not remove it promptly I am seeking legal counsel from Legal Action of Wisconsin. I do not understand why they do not take this freeze off all the accounts. First they breeched our Data and now they are putting added burden on us to get the freeze removed.
Product: Debt collection

I am disputing an unpaid account balance to Real Time Resolutions Inc. ( RTR ), account # # # # # # # XXXX as inaccurate because I paid the original balance in full to XXXX XXXX, XXXX on XX/XX/XXXX. This account was originally opened with XXXX, then sold to XXXX XXXX then sold to XXXX XXXX. 

On XXXX XXXX, XXXX, I sent a final quoted payoff amount of {$76.00} to XXXX for this consumer loan. XXXX applied {$75.00} to the principle and interest and applied {$1.00} of the payment to an insurance fee. The issue is that I never had, agreed to or maintained insurance on this loan. By charging me for insurance on the final payment, XXXX committed insurance fraud. They then sold this debt to Real Time Resolutions ( XXXX ). In addition, XXXX stated I owed a {$230.00} fee however could not substantiate or provide proof of this fee. In a letter from XXXX XXXX, XXXX, they implied it was an " insurance fee '' owed. 

I dispute this debt. I do not owe this debt as it was paid in full. I do not owe RTR a monthly payment of {$120.00}. In addition, neither XXXX nor RTR have been able to substantiate the mystery fee of {$230.00} they claim I owe. Also, because the principle and interest on this debt was paid in full, RTR 's monthly reporting of overdue payment on my credit report is incorrect and should be deleted. I am requesting that Real Time Resolutions delete erroneous delinquent reports from my credit report. Also, the XXXX XXXX account should be shown as paid in full. 

I have also disputed this with credit bureaus, XXXX and XXXX, as this ongoing deliquent monthly reporting is affecting my credit, negatively, in an incredibly unfair manner and by an exorbitant amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contact XXXX XXXX and Experian about the inquiries and names and debts on this account being wrong multiple times with no resolution. The sad part is XXXX sent a check to me back in XX/XX/2019 for {$16.00} for a refund for their bad marketing practices with an agreement from your company ( CFPB ), and it bounced and the company XXXX : which I used to cash the check to go directly to my account ended up charging me {$51.00}. These people are not verifying anything. I sent them my verified real spelled out name, updated my address, phone #, work info along with my ID and SS card to verify myself. Those debt accounts, misspelled names and addresses are not mine and belong to someone else. 
I'm not aware of these accounts and they are being reported as fraudulent accounts. I contacted the companies who could not verify my SS # stating they don't know it. I contacted XXXX, XXXX, and Experian who clams it was all verified. How can any of them claim I was verified when the companies don't know my SS #. I was contacted through their website. They have several misspelled names and addresses I never lived at and DOB that was breached. this is this has left my credit damaged big time. Not able to get things. By the way I sent certified letters to all three credit bureaus.
Product: Mortgage

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, Escrow Disbursement Clearing, XXXX XXXX XXXX XXXX, XXXX, PA XXXX ; check # XXXX ; dated : XX/X/2012 for {$7600.00} drawn upon XXXX XXXX XXXX XXXX was denied. BAD CHECK : I have written the company regarding the check that was denied by my bank for a replacement. The company refuses to replace the check claiming that it was cashed. I requested a copy of the cashed check showing my signature and XXXX XXXX XXXX refuses to provide one.
Product: Credit reporting, credit repair services, or other personal consumer reports

What's going on there at the CFPB and to Transunion? This is so unbelievable! How can you guys let these multiple complaints pass? I know I have stated this again and again but I have submitted this complaint numerous times already and I have attached all the information and documents needed. Im attaching again the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... PLEASE DO NOT IGNORE my request and DELETE the accounts which I do not own. 

XXXX XXXX, XXXX XXXX, XXXX A XXXX XXXX
Product: Mortgage

I mailed my mortgage to PHH mortgage services for XXXX on XX/XX/XXXX. It was not posted until the day I called them to see what the matter was. They claimed that they hadn't received it so I paid online with the support person the amount of the mortgage plus a {$46.00} late fee. Today I noticed that they posted my original payment the same day I paid the mortgage and late fee.
Product: Vehicle loan or lease

I took out a car loan from ally auto They said I can refinance the car loan Now they saying I have to pay mor interest then the car is worth Iam low income XXXX And loss income I cant afford to pay XXXX a month for a car that XXXX XXXX value is XXXX And interst left is XXXX dollars this is unethical to do to a XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days afte the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - 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 : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit card

I was denied a credit card from Capital One on XX/XX/XXXX, approximately XXXXXXXX XXXX 
I was sent an Adverse Action Letter via Email
Product: Bank account or service

First Tennessee Bank denied my application for a checking account based on " knowledge Based Authentication '' method that they use. The only problem is that I am 100 % sure that I answered each of the answers correctly. I knew the answer to each question and also verified each answer with the records that I have. So either they are using incorrect sources for this information or there are other issues with their application system which are XXXX troublesome.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter requesting that you reinvestigate the disputed account from my credit report as well as update this account from my report during the investigation period. As of this date, you have failed to respond to my request. Here is the account that I wanted to fix. 
XXXX XXXXXXXX XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

I have a credit card over 9 months any my XXXX XXXX is over XXXX an I have over 2000 in the account and am trying to borrow XXXX an cant get it but I think its because XXXX  is on my bank profile but I got married 1 year now
Product: Mortgage

I had a loan that was serviced by Ocwen Federal, this was back in early 2005 I was recovering from injuries I suffered in a HATE CRIME! I was trying to keep my property out of foreclosure. Owen Federal was claiming I owed more than really was owed? I tried to tell them there figures were wrong but to no avail they foreclosure ans I lost my home! 
The address of property is in XXXX  CaliforniaXXXX XXXX  XXXX  I haired a lawyer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX I paid him {$2500.00} Cash and he did nothing to help took my money and I tried suing him I'm Small Claims Court. But lost and judge awarded him {$5000.00}? 
What Ocwen Federal refused to do was contact HUD that had set me up on a program to keep my home paying 90 % of my mortgage they claimed I was not assisted by HUD foreclosure and took my property! I was trying to stop Owen but they were very unwilling to help or contact HUD they got away withy home worth {$100000.00} at time! Over these many years I have lost most paper work but I will contact HUD for any information they have.I LET MY FAMILY DOWN I KNOW I WAS RIPPED OFF BY OCWEN FEDERAL! 
THANK https : //files.consumerfinance.gov/f/documents/20170420_cfpb_Ocwen-Complaint.pdf
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  in XXXX Louisiana Fraudulently to multiple lenders ruining my low inquiries and credit scores. Please IMMEDIATELY the following same day Fraudulent Unauthorized private Inquiries pursuant to FCRA 6802-6803 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance in addressing a serious issue concerning inaccuracies on my consumer credit profile reported by Experian, XXXX, and XXXX. Despite my diligent efforts to rectify this matter directly with the credit bureaus, the inaccuracies persist, and my attempts to resolve these issues have not resulted in the necessary corrections. 

I have sent detailed letters to each of the three credit bureaus outlining specific inaccuracies on my credit report. In my correspondence, I provided substantial evidence demonstrating that the information reported is incorrect. This evidence includes documents such as account statements, payment confirmations, and other pertinent records. Furthermore, I referenced the relevant consumer protection laws that mandate the correction or removal of such inaccurate information. 

Under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) [ 15 U.S.C. 1681i ( a ) ], credit reporting agencies are required to conduct a reasonable investigation when a consumer disputes the accuracy of their credit information. If the information is found to be inaccurate or can not be verified, the FCRA mandates that it must be corrected or removed from the consumers credit report. Additionally, Section 605B [ 15 U.S.C. 1681c-2 ] supports my case by stipulating that any information that is not verified within the prescribed period must be deleted. 

Despite this clear legal framework, the credit bureaus have not taken the necessary steps to correct or remove the inaccurate information from my credit report. This failure not only impacts my creditworthiness but also contravenes the consumer rights guaranteed under federal law. I kindly request that the Consumer Financial Protection Bureau intervene to ensure that these inaccuracies are corrected in compliance with the FCRA and that the credit bureaus adhere to their legal obligations. 

I appreciate your prompt attention to this matter and look forward to your assistance in resolving these discrepancies. Should you require any additional information or documentation, please do not hesitate to contact me. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, DE XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to demand the immediate deletion or accuracies listed on my credit report, as the data persistently fails to meet the accuracy requirements set forth by the Fair Credit Reporting Act, specifically under 15 USC 1681e ( b ), 15 USC 1681i, 15 USC 1681 ( a ) ( 5 ), and 15 USC 1681s-2. This demand for deletion stems from your failure to accurately report my consumer credit information following a previous notice of these discrepancies. Please be aware that automated responses or e-OSCAR verifications are unacceptable for addressing this matter. Given the clear and repeated violations of the FCRA, I am not requesting a reinvestigation but rather the immediate deletion of this account from my credit file. I expect you to comply with this request swiftly and to confirm in writing the deletion of these entries. I appreciate your immediate attention to this urgent matter and expect a response within the statutory 30-day period as prescribed by the FCRA. 

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

XXXX XXXX XXXX SHOWS ACCOUNT OPEN {$47000.00} Opened XX/XX/XXXX Deed surrendered in Leu of foreclosure XXXX  account closed. 

The account is not opened. It is and has been closed. It did not show up on my recent mortgage application/and home purchase XX/XX/XXXX. 
. 

This did show up last month when I tried to get store credit for furniture shopping. I was denied for this reason. I disputed with Experian, they removed it then put out back. Please help resolve this improper credit reporting. Thank you. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

**Subject : Violation of Federally Protected Consumer Rights Under the Fair Credit Reporting Act ( 15 U.S.C . 1681 ) ** To Whom It May Concern, I am writing to formally notify you that the following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 : - ** XXXX Department of revenue** : Account Number XXXX - **XXXX XXXX** : Account Number XXXX - *XXXX XXXX XXXX XXXX* : Account Number XXXX - **XXXX XXXX* : Account Number XXXX According to 15 U.S.C. 1681, Section 602 ( a ), I have the right to privacy. Further, 15 U.S.C. 1681, Section 604 ( a ) ( 2 ) clearly states that a consumer reporting agency can not furnish an account without my written instructions.

Additionally, 15 U.S.C. 1681c ( a ) ( 5 ) specifies that no consumer reporting agency may include in a consumer report any adverse item of information, other than records of convictions of crimes, that predates the report by more than seven years.

Finally, under 15 U.S.C. 1681s-2 ( a ) ( 1 ), it is prohibited for any person to furnish 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.

I request that you immediately investigate this matter and take appropriate corrective action. Please provide me with written confirmation of your actions within 30 days of the date of this letter. If these violations are not promptly resolved, I will consider further legal action to protect my rights.

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to XXXX XXXX XXXX and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under XXXX XXXX. XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : 1. XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX As required by XXXX XXXX XXXXXXXX, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) (  A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed.