23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ).

Please remove these unverified and incomplete items listed below : 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


3. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


4. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Delete this account. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX sued me in a Masschusetts court for an alleged debt that they claimed to have purchased from XXXX XXXX XXXX/XXXX XXXX XXXX. XXXX/XXXX/2017 of this year a Massachusetts judge dismissed the case in court and XXXX XXXX is still reporting this collection account as Valid. I have already emailed them about it and they continue to do nothing about removing it from all credit reports. The are in violation of the law and I want the collection account removed from all reports.
Product: Debt collection

Capital One bank has ignored my Ceast and desist request to stop communicating with me through all mediums which includes mail and stop the illegal reporting of this alleged account on my consumer reports every month. Unless they are communicating about complying with my demands. They have threatened to ruin my reputation many times. This is an alleged account it isnt mine. This is the second time I dealt with a fraudulent account with capital one.
Product: Credit reporting or other personal consumer reports

This is my numerous Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which were 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. 
XXXX XXXX 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, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX XXXXXXXXBalance : {$760.00}
Product: Credit reporting or other personal consumer reports

I cant believe what I saw on my credit report todaythere are incorrect accounts listed, and I have no idea how this could happen. Ive been checking my credit report regularly, and its always been fine, but now these errors appeared out of nowhere. I even tried refreshing the browser in case it was some sort of technical glitch, but the errors didnt go away. I am pleading for the documents Ive submitted to be reviewed with great care so I can finally feel at ease about this.
Product: Checking or savings account

I had a checking account with capital one which was recently closed by the bank. I was depositing part of my divorce settlement fund to the account, then realized that capital one has very low interest rate, so I tried to move the money into my XXXX bank which has a much higher interest rate. The bank found this activity/ check suspicious, and even after numerous phone calls and verifications from the check owner on the source of the funds, the bank closed the account. When I spoke to the bank the last time, they said my funds would be mailed to my address and this has been almost a month and I still have not received my check. Whenever I call the phone number, either my phone number is blocked or my account is blocked so I can't reach any live person. From my XXXX statement I had a balance of XXXX.
Product: Credit card

Citi credit card : I started to notice the discrepancy of Citi credit when I returned my shoes to XXXX store and they reimbursed me, despite not showing up in my account to get this amount back again. I called customer service twice first waiting for half an hour and hang up and the second time too until a very rude assistant replied to me. I did my best in explaining to him that it is not dispute it is already reimbursed but their system does n't show credit it back. The conversation went on and on trying to make him understand and then he consented to credit it. After a while I browsed my account again but did n't seem to be credited back to me although I received email confirmations from them. I decided to pay the balance in the card except for this amount ( about {$84.00} ). Except for few transactions with Costco I did n't this card anymore. Surprisingly they accrued a weird fees for the unpaid amount and when they called me to collect payment and I told them many times the problem is at their side. Finally I paid off the rest and decided not to use this card anymore but I 'll have to file this complain hoping to return the lost money.
Product: Credit reporting or other personal consumer reports

MISSOURI HIGHER EDUCATION, XXXX and Transunion wrongfully put a debt on my credit report that is not mine and due to identity theft. This account number is not mine. Ive filed ID theft report with FTC and will pursue legal action for slandering my Reports. I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. These accounts were opened fraudulently : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On the evening of XX/XX/XXXX around the XXXX hour the fire alarms sounded at XXXX XXXX XXXX in XXXX XXXX, Florida. I then went to the XX/XX/XXXX located at XXXX XXXX XXXX XXXX , XXXX, FL, XXXX. This was the last location I had my wallet. I successfully purchased the items I sought to buy that evening and thus had my wallet in my possession on XX/XX/XXXX. The following morning, XX/XX/XXXX, following my daily reconciliation of my bank account I received a text from Chase Bank stating that potential fraudulent transactions were processed on my account and instructed me to call them to verify these transactions. At this point I was driven to attempt to locate my wallet. When I was unable to find my wallet I logged into several other accounts which could have been effected from the cards that were potentially in my wallet when it went missing. I noticed that charges were also consecutively being charged on several other accounts. I then reported the fraud to Chase, and requested a new card and a stop be placed on my current debit card. Following the investigation performed by Chase Bank I was informed that they had deemed these charges to be correctly authorized and would thus proceed to remove the amount of the transactions, subsequently credited back to my account when the fraud was reported. I am certain that no pin number was utilized for these transactions. Chase stated the transactions were made at " chip enabled '' locations however can not confirm that a pin number and a chip were used to make these purchases. My wallet was never recovered however all cards were deactivated, fraud claims processed by the other banking institutions and new cards were issued. The two charges that are being refused for fraudulent activity by Chase Bank are as follows ; ( 1 )  XXXX XXXX - Store # XXXX for {$420.00} ( 2 ) XXXX - Store # XXXX for {$110.00} ( XXXX XXXX XXXX XXXX Space # XXXX, XXXX, FL, XXXX ) Total fraudulent charges on Chase debit card amounted to {$530.00}.
Product: Credit reporting or other personal consumer reports

Identify theft XXXX XXXX someone used my personal information to obtain a credit card from XXXX XXXX I did not approve or authorize this credit card the amount XXXX the date account was closed is XX/XX/year> 2024
Product: Credit card or prepaid card

Charge for check account, dormant charge {$10.00}, XX/XX/2021
Product: Bank account or service

there was a payday loan taken out in my name sent to arvest bank which says they do not have an account in my name but did accept a deposit in my name into another persons accont.
Product: Checking or savings account

On XX/XX/XXXX at XXXXXXXX XXXX I received an email about a {$300.00} ATM withdrawal which occurred on XX/XX/XXXX at XXXXXXXX XXXX  at XXXX XXXX XXXX CA from ATM XXXX. 

As soon as I saw this email come in while I was at work in XXXX, CA in a meeting, I immediately logged in to my account to see what was going on. I noticed another ATM XXXX withdrawal in the amount of {$700.00}. I then turned off my card on XX/XX/XXXX at XXXX XXXX 

On XX/XX/XXXX at XXXX XXXX  I received an email that my ATM card was declined from XXXX XXXX XXXX XXXX CA for the amount of {$480.00}. 

On XX/XX/XXXX at XXXX XXXX I called Wells Fargo to discuss the situation and the agent helped me file a dispute for the two ATM charges. I was on the phone with the agent for XXXX minutes. I informed the agent, I had my physical card which was going to expire by the end of XXXX, but that I did see my new card was in the mail. I could see this through USPS informed Delivery which emails pictures of envelopes you will be receiving in the mail. I informed them I had not yet picked up the envelope from my mailbox. When I got home on XX/XX/XXXX around XXXX XXXX I checked the mailbox and this new card envelope was never inserted into my mailbox. 

After submitting the claim, I waited for the bank to resolve the issue but had not heard anything and called them to get an update. The agent informed me the dispute was denied and that I would receive decision information in the mail. They did not have much additional information to provide. This letter came in the mail today XX/XX/XXXX and this is why I am now submitting this claim with the CFPB. 

I have banked with WellFargo since XXXX. This is one of three disputes I have ever submitted and my banking history should provide enough reason to prove these were not my withdrawals. If I had not done my due diligence in monitoring my personal email, not only would a charge of {$480.00} occurred from XXXX XXXX, who knows how much else would have been stolen. Wells fargo should take responsibility for not doing their due diligence and approve the dispute and return the {$1000.00} to my account. Especially, considering these withdrawals were taken from Wells Fargo ATMs.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block and delete the accounts and inquiries listed below from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and these items were fraudulently opened or conducted in my name without my authorization. 
The fraudulent accounts and inquiries are as follows : Accounts : XXXX. XXXX - XXXX - XX/XX/XXXX - {$530.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$530.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$5300.00} Inquiries : XXXX. XXXX XXXX XXXXS - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to let you know that I recently received my credit report and noticed an unknown collections account. This account does not belong to me. I have been facing issues with identity theft for the past XXXX years. The account name is ( XXXX XXXX XXXX ) .The account number : XXXX. Please reinvestigate the completeness of every piece of information from this account and remove it from my credit report immediately.
Product: Debt collection

I am continuously contacted and also at my mothers phone in regards to some type of loan I took out on XXXX/XXXX/2011 onine and never paid. 

The collection agency High Point Asset, knew a great deal about me, down to my bank, however I never heard of this loan company XXXX XXXX XXXX, and never took out a loan. Then even knew my bank, I went back to my statements to confirm this, and I have not received in a direct deposits on a loan from this company. I explained, to them if that 's the case, why did n't they collect ... I do n't have any stop pays on my account back then, to stop them from collecting money owed ... I told them to prove to me, that i took this loan, because I did not ... they sent a letter in the mail and continue to call from XXXX.
Product: Credit reporting or other personal consumer reports

Filed police report, called and tried to resolve incident with all credit bureaus, and credit card companies, certified mailed all required documents to credit bureau to solve this matter. This is my 2nd issue with someone using my information fraudulent and credit bureaus were aware back in 2019, the police report is on file for 2019 as well, and a credit freeze added to my personal information. Now a address with XXXX, Illinois appearing on my credit reports with credit cards with address to XXXX, Illinois.
Product: Credit card or prepaid card

RE : APPLICATION XXXX XXXX On or about XX/XX/XXXX I received in the mail an unsolicited " pre-approved '' offer for a Visa from PenFed, with a unique ID number to input on their website to accept the offer and to input my income and housing expense information ( which was $ XXXX and $ XXXX, respectively ) as well as my full SSN and email. After doing so, instead of indicating my credit line and APR I received a message that the application was under review. 

A day later I received an email requesting that I upload a full color copy of my ID, which I did. I called to follow up that it was received and verified with their agent that it was received and accepted, and that the application would now be forwarded to an underwriter for further processing which would take a couple of days. 

Two days later, I noticed on my XXXX Credit Report that XXXX had done not just one, but TWO had pulls of my credit file in addition to the previous soft full for the pre-approval offer they sent me- leaving a total of 3 inquiries on my XXXX. 

On XX/XX/XXXX I called again, speaking with " XXXX '' and was told the application was declined based on information on my XXXX credit file. There is no difference in the data elements provided to creditors between a soft and a hard pull. All of the information I placed on the offer acceptance matched with what's on my XXXX credit file, and the only difference in the reports between the time of the soft pull for the pre-approval and the hard pull at time of acceptance was that my credit score had gone up about XXXX points to about XXXX, credit balances had gone down, and my utilization ratio had dropped 2 points from 6 to 4 %, no additional inquiries, no derogatory information or public records, whatsoever, and no change in personal information of report flagging- so an excellent credit report had just gotten even more attractive. 

So I asked XXXX why they sent me a pre-approval based on information they had, which they never intended to honor, even when they verified the information had not changed or had gotten even better? She had no explanation and would not specify what data element of the hard pull the declination was based off of. 

I asked XXXX why they had fouled my credit report with an extra, unnecessary hard pull only a day after they did the first one. She had no explanation. 

Based off of the irregularities and inconsistencies of PenFed 's actions and statements, I am left to conclude that : 1. Their pre-approved offers are false advertising employed for the purposes of data mining at the expense of their victims credit scores, or 2. They are discriminating against applicants based off of information other than that provided by the applicants and their credit reports, and/or 3. They are not accurately or honestly disclosing their reasons for adverse actions against applicants.
Product: Credit reporting or other personal consumer reports

was going over my credit report and noticed this account : Account Name XXXX XXXXXXXX Account Number XXXX reporting an account sent to collection in the amount of {$210.00}. This account does not belong to me nor am I familiar with the company XXXX. I believe this account is falsely reported due to the following facts : The account shows it was opened XX/XX/XXXX for the amount of {$840.00}. However, the account is only reporting since XX/XX/XXXX an amount due of {$210.00}. The data also shows a payment of {$110.00} was made in XX/XX/XXXX, but the balance did not go down in XX/XX/XXXX. The data then again states that a payment of {$0.00} was made XX/XX/XXXX. Was a payment for {$110.00} made on this account or not? The original balance for the account is misleading. Because it clearly shows two completely different amounts in the original balance, discrepancies in the payment amount made and when, and because i know that this it is incorrectly and falsely reported to my credit because of the fact that it is not my account, this must be removed from my report immediately. I am requesting that this account be removed from my report immediately as it violates my rights as a consumer. This negative reporting is hindering my abilities to qualify for loans.
Product: Mortgage

Filing complaint because Rushmore refuses to answer questions, I asked with clarity in way that is understandable. 
Questions Mortgage Insurance and mortgage issue In response to letter received XX/XX/2022 from Rushmore also there are errors and mistakes on Rushmore representative respond. Questions mainly not explained and answered concerning insurance issue, for example the statement : 1. Loan to value ratio of the loan is above 80 %. I have asked for the statement to be answered and explain several times.

Again, explain why there is a negative balance concerning escrow and why Rushmore is trying to take control of the insurance?

Above all, Rushmore is not our mortgage company. We are quite concern, is it true Rushmore is not the new owner of the mortgage? If not, remove Rushmores name from the Insurance policy. 
Next, no reason why Rushmore should have sent payment for our Insurance Policy to Travels XX/XX/2022 insurance was not due until, XX/XX/2022. We already had made arrangement and informed Travels with plan to pay the insurance, never gave anyone permission to pay the insurance, none our payments should go toward XXXX. Travels or any insurance Company Rushmores Insurance companies need be informed we are paying the policy. A deduction of {$100.00} is taking from the loan note each month for insurance fees. 

On XXXX XXXX. Your agent wrote and noted the loan to value is calculated by dividing the original loan balance by the value of the property value = 91 %. ( Please explain this statement ). 

Mistakenly on Rushmore employee or employees be halves I never state the Loan was paid I quoted FHA Loan was paid off, not XXXX XXXX XXXX XXXX, Rushmore, or XXXX XXXX. We havent been convinced who own the loan Debt Collector, or two mortgage companies. However, we are in the process of revealing true owner of the loan.

Rushmore Debt Collector and server, therefore what interest do a Debt collector have in our insurance?

FDCPA have laws Debt Collector must follow. I am sure laws also apply to servers. 

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

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof XXXX XXXX XXXX XXXX XXXX XXXX be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.