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

sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX XXXX XXXX XXXX to seek their assistance in resolving this issue. 

Please find below my reasons for dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Money transfer, virtual currency, or money service

I received an email stating that my Sam 's Club card ( membership costs {$50.00} annually ) was in a negative balance of {$30.00} on my Sam 's Cub Mastercard. This didn't make sense because my membership fee is automatically paid from my Amazon Visa card, and I have never owned that particular Mastercard. I called the number provided and spoke with a man telling me that I had to have had the Sam 's club Mastercard but I could pay the {$30.00} to pull my account out of the red or I could pay the {$50.00} and be cleared for the year. He also stated that since the account was in the negative, I had to pay with a debit card, NOT a credit card because this type of transaction was turned over to this business " Synchrony Bank '', and I would have to physically go to my local Sam 's Club to get the card payment situation straight. So, like an XXXX, I gave out my debit card number and paid {$50.00}. I kept the receipt from this company and have it if it's needed.
Product: Payday loan, title loan, or personal loan

I have 2 inquires from a lender that I never applied for a loan from, Cash Central. I do n't know who they are or how they got my information. First pull XXXX second pull XXXX
Product: Mortgage

Loan # XXXX XXXXSpecialized Loan Services, LLCSince XXXX 2013 I have had issues with Specialized Loan Services. I have spent over {$100.00} in USPS Certified Mail this year alone requesting information and help with my account and payment history and have not received any replies to these requests. Per the attached XXXX documents, I am requesting they remove my escrow account from my mortgage and make me responsible for paying for my flood insurance, homeowners policy and taxes. I will be responsbile to provide them proof of payment.
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX ) XXXX XXXX # XXXX. XXXX ) XXXX XXXX XXXX # XXXX. XXXX ) XXXX  XXXX # XXXXXXXX all ( 3 ) are in violation of multiple laws set forth by Congress for reporting accounts illegally to XXXX XXXX, Equifax and XXXX. 

15USC 1681b ( 2 ) states in accordance with the. written instructions of the consumer to whom it relates, I have never provided written permission for such accounts to be reported on my consumer report.

Additionally, 15 US Code 1681s2 ( e ) ( 1 ) ( A ) states that a person shall not furnish any information relating to a consumer ( XXXX XXXX XXXX ) to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Furthermore, 15 USC 6802 ( b ) ( 1 ) ( B ) states the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party.I have never received any form of notice to opt out of my non public personal information to be shared with unaffiliated third parties.I have a right to privacy and per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, non verbal per 5 U.S. Code 552a per the FCRA as a federally protected consumer may have given you written, non written, verbal and non verbal per 15 U.S.C.6802. I shall also point out their responsibility pursuant to 15 U.S.C. Section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after a notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is ( ii ) the information is in fact inaccurate. 
Remove these accounts immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, FCRA 604 ( a ) ( 2 ) states a credit reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Demand for Compliance with 15 U.S. Code 6802, 12 CFR 1016.7 Section ( a ), 5 U.S. Code 552 ( a ) & ( b ), and Account Removal Request Dear Equifax, XXXX, and XXXX Customer Relations Frauds department, I hope this letter finds you well. I am writing to bring to your attention certain legal provisions under the Gramm-Leach-Bliley Act ( GLBA ), specifically 15 U.S. Code 6802, which outlines obligations concerning the disclosure of nonpublic personal information. In conjunction with this, I have attached a relevant Federal Trade Commission ( FTC ) report for your reference. According to 15 U.S. Code 6802, a financial institution is prohibited from disclosing nonpublic personal information to a nonaffiliated third party unless certain conditions are met. These conditions include providing clear and conspicuous disclosure to the consumer, offering the consumer an opportunity to opt out of such disclosure, and explaining how the consumer can exercise the opt-out option. Furthermore, regulations such as 12 CFR 1016.7 Section ( a ), 5 U.S. Code 552 ( a ) & ( b ), along with 1016.7 and 162.6, detail the form and methods of opt-out notices to consumers, emphasizing the consumer 's right to opt out of the disclosure of their information to nonaffiliated third parties. Additionally, 1022.24 stipulates that covered affiliates must provide consumers with a reasonable opportunity to opt out when using eligibility information for solicitation purposes. As per the Credit CARD Act of 2009, consumers have the right to opt out of interest rate increases, fee increases, and other significant changes in terms, as outlined in 15 U.S. Code 6805. I would also like to request the removal of the following accounts from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 listed in my documents attached. I demand that Equifax, XXXX, and XXXX promptly investigate and remove the accounts from my credit report, as they are not legally and lawfully supposed to be reported. Please provide confirmation of the removal and an updated copy of my credit report reflecting these changes. Please acknowledge receipt of this letter and provide a written response within 4 BUSINESS DAYS outlining the steps your agencies are taking to ensure compliance with the specified legal provisions and the removal of the mentioned accounts. Failure to address and rectify any non-compliance issues or the removal of inaccurate accounts may result in further action, including reporting the matter to the appropriate regulatory authorities. Thank you for your prompt attention to this matter. I look forward to receiving your response. Sincerely, XXXX XXXX Without recourse
Product: Debt collection

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC, XXXX XXXX XXXX XX/XX/2025 Dear Sir/Madam, I am writing to file a formal dispute regarding a debt collection account that I believe is inaccurate or has been mishandled by the collection agency. I am seeking your assistance in investigating this matter and ensuring that my rights are protected under the Fair Debt Collection Practices Act ( FDCPA ). 

Account Information : Collection Agency : MIDLAND CREDIT MANAGEM Account number : XXXX Original Creditor : XXXX XXXX XXXX  Balance : {$510.00} The debt collector is not providing proper documentation to verify the debt as requested under the FDCPA. I have contacted the collection agency multiple times, requesting proper verification of this debt, but they have not provided sufficient documentation or proof of this debt. I am requesting the CFPB to investigate the this debt to ensure that the collection agency is complying with the FDCPA. I request that you notify me of any actions taken place and advise me on the next steps in this dispute process. Thank you for you prompt attention to this matter. I look forward to your assistance in resolving this issue. 

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

I do not recognize the following unauthorized inquiries : XXXX XXXX XXXX XXXX ( XX/XX/2023 ), XXXX XXXX XXXX ( XX/XX/2023 ), XXXX XXXX XXXX ( XX/XX/2023 ), XXXX XXXX XXXX ( XX/XX/2023 )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX  XXXX account # XXXX, XXXX  XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX  XXXX XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX XXXX XXXX  account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. states that I have the right to privacy.

15 U.S.C 1681 section 604 A. section 2 states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Vehicle loan or lease

Creditor : Carmax Auto Finance Months : XXXX, XXXX and XX/XX/2023 Current Status : 30-59 days late In accordance to the Under the Fair Credit Reporting Act ( FCRA ), this creditor has violated my rights of reporting inaccuracies of payments that has been made on time. The account has been current for 4 months now, So the current status should reflect on time. 

Under 15 U.S.C 1681A section 602 ; says I have a right to privacy Under 15 U.S.C 1681A section 604A section 2 ; consumer reporting agency can not furnish an account without my written consent.

Under 15 U.S.C 1666B ; a creditor my not treat a payment on an open consumer account as late for any purpose.

Under 15 U.S.C 1666CA Prompt and fair crediting of payments, Payments received from an obligor under an open end consumer credit plan by the creditor shall be posted promptly to the obligors ac- count as specified in regulations of the Bureau . Such regulations shall prevent a finance charge from being imposed on any obligor if the cred- itor has received the obligors payment in read- ily identifiable form, by XXXXXXXX XXXX. on the date on which such payment is due, in the amount, man- ner, and location indicated by the creditor to avoid the imposition thereof.
Product: Credit reporting or other personal consumer reports

Recently reviewed my credit report and I did not authorize this company to check my credit. I have a hard inquiry that is causing my score to lower. ( Yamaha Motor Finance CO ) XX/XX/2022 is inquiry date. I have already filed a report with the FTC report.
Product: Debt collection

Midland Credit Managment did not provide me with any notice of an attempt to collect a debt. Instead I received papers in the mail about being sued by them. I was not properly served these documents either. They were left with my neighbors who informed me once I got home. How can they expect for someone to pay an alleged debt when they dont attempt to notify the consumer?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX an inquiry was made to my credit by CBNA and another to XXXX XXXX in DE on XX/XX/XXXX that I did not request or authorize. My assumption is that these were fraudulent attempts by some third party to open an account in my name since there were multiple inquiries to various companies on or around that date. No one at the card companies seems to be able to help me and keep forwarding me around to various departments. This was my second attempt to try and have this removed from my credit, Luckily no new accounts appear to have been opened but the number of hard inquiries is hurting my credit.
Product: Money transfer, virtual currency, or money service

I received a bogus invoice from PayPal Coinbase, INC for {$490.00} regarding a non-existent XXXX ( crypto ) currency purchase or withdrawal. 

I do not have a XXXX or PayPal account. 

The transaction ID number is XXXX. 

Please let others know about this SCAM. 


THANK YOU!
Product: Credit card or prepaid card

Had notified the company of a hardship that occurred which was an unknown separation XXXX of employment from an immediate death in the family. My credit card was supposed to have a temporary hold processed which was never done. Not long after my credit card account was closed and put into collections. I was offered no assistance to resolve the account before it was closed and put into a collection. This situation occurred between 5 and 7 years ago.
Product: Credit reporting or other personal consumer reports

On XXXX I received a letter in the mail asking for a copy of my tax return to complete an application for credit that I did not initiate. After contacting the sender and reporting the application as fraudulent, their representative suggested I contact the credit bureaus and place a freeze on my credit, in addition to pulling a copy of my credit report. 
On XXXX, I attempted to pull a copy of credit report from Experian to check for other fraudulent activity, but Experian 's website would not allow me to login, and suggested I call them at XXXX. 
I called XXXX several times in an attempt to fix my issue with logging in, and Experian appears to have an automated system that is designed to frustrate callers into giving up on trying to reach a live agent. The automated system stated it would send me a temporary password and a reminder of login name via email, but would not confirm what email address. 
When I finally spoke with an agent who identified herself as XXXX, she had me confirm my identity and while reading me the security questions, interrupted me several times, and then selected " none of the above '' for my checking account number verification, without me instructing her to do so. 
When I asked XXXX to speak with a supervisor, she declined to transfer me immediately, and I informed her I would be filing a complaint with the CFPB, as I had informed her I had multiple checking accounts and was reading off the checking account numbers to her one at a time, to see if any of them matched one of the possible answers to the security questions she asked me, before she interrupted me multiple times and had eventually selected an option for me, without me instructing her to do so. 
XXXX eventually transferred to a supervisor named XXXX, who then told me she would let the management team know about XXXX 's service, and agreed to assist me in logging into Experian 's website. The supervisor XXXX stated that she was unable to access the security question that XXXX was provided, and as a result, she would need to wait 72 hours in order for the system to generate new security questions to allow me to attempt to fix my access again. 
So in the end, Experian was successful in their efforts to prevent me from pulling my free credit report in order for me to identify any other fraudulent credit activity.
Product: Debt collection

On XXXX XXXX I was notified about a hit on my credit report. ( Attached ) XXXX I contacted Credit Management Co who told me they only report the charge off and can not resolve anything. They advised me to call XXXX XXXX but could not offer a phone number. XXXX I then Contacted XXXX XXXX and sent though multiple departments until finally someone was patient enough to find that XXXX XXXX had no record of me ever being a customer or anybody else with my name or address. XXXX XXXX also confirmed that they did not even offer service at my address ( to which I have lived at since XXXX ). I have never done business with XXXX XXXX XXXX. But they said they would get back to me in 7 days with a Case # and any info from Credit Management Co to which they confirmed did do their collections. I had not heard back from XXXX XXXX and on XXXX tried again to follow up. After bouncing from operator to operator at XXXX XXXX I tried Credit management Co again. They confirmed I had contacted them earlier but said there was no correspondence from XXXX XXXX. They suggested I file a police report for stolen Identity and gave me a reference # XXXX My credit record still shows a Collection Chargeoff from a company I have never done business with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my report and it there came to be 14 hard inquiries on my report that I did not authorized or give permission for. I tried contacted these companies and couldn't get a respond. these companies are : XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX.
Product: Checking or savings account

I make enough to open an account they asked for more information I sent that in they opened me an account and closed cause they told me I dont verify my identity and I have proof I did
Product: Credit reporting or other personal consumer reports

The weight of this ordeal has grown increasingly burdensome as each day passes without resolution. Before all of that, I'd like to inform you that I am the person making this complaint & I give cfpb authority to investigate this claim. My attempts to seek justice and protection against the heinous crime of identity theft have gone unanswered for an inexcusable length of time. I implore your bureau to recognize the urgency of this matter and the severe consequences of continued delay. Identity theft is a crime that erodes the very foundation of one 's security and trust, and the victims deserve nothing less than immediate attention and action. The following fraudulent accounts have been reported on my credit profile : XXXX XXXX XXXX. I have attached my FTC report and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft.
Product: Mortgage

On XX/XX/2022, I closed on my house, however, I received three payoff amounts from my servicing company Lakeview LoanXXXX Servicing, LLC within 30 days. I am not sure what the actual payoff amount was because a month later, I am being sued by the buyer closing attorney for deficiency mortgage payoff for a few thousands dollars and my servicing company has not been able or willing to clearly explain what happen per the attached documents even though they sent me a certificate of satisfaction for the loan amount of {$230000.00} with a account history showing the accepted payoff was {$230000.00}. Yet, in an email from XXXX XXXX, I was told the payoff was {$230000.00}. The original quoted payoff check was supposedly returned but does not show what the shortage amount is from the servicing company. There is nothing in the account history showing the received check or the wired amount of {$230000.00} sent to XXXX XXXX to whom I did not have a mortgage with. I contacted XXXX XXXX Executive Office and they could not give me any information as my mortgage did not belong to them. None of the numbers adds up. I wrote to my servicing company on XX/XX/2022, they responded on XX/XX/2022. My current mortgage with the same servicing has been showing short and late for the inception of the loan, however, they did claim to " waive '' late fees that was never late on XX/XX/2022, yet, the last statement still shows unpaid, late fees, etc. Explain why they recently took {$37.00} from the refunded insurance addressed to me if they had been paid off on XX/XX/2022. I feel like I have been subjected to fraudulent behavior and unethical practice by the servicing company and the buyer 's attorney. When I recently read the XXXX  complaints about Lakeview LoanXXXX, I only wish I had read them sooner and not listen to the agent to finance with them.
Product: Credit reporting or other personal consumer reports

Identify theft XXXX XXXX someone used my personal information to obtain a credit card from first progress I did not approve or authorize this credit card the amount XXXX the date account was closed is XX/XX/year> 2022
Product: Debt collection

I have made several attempts since XX/XX/XXXX to cancel my membership due to a chronic illness. I have sent them all of the information they requested to get this done under these special circumstances and they ignored me, the Indiana Attorney General ( for 2 months ), and refuses to give me something in writing stating that my account has been closed. I asked them to call the collections agency they hired so that the inaccurate reporting can be removed and they said that " it's nothing they can do ''. I asked to speak with XXXX but he seems to be a ghost and is never available to speak to anyone, according to the XXXX XXXX. FIrst she tells me that " Ppl normally pay {$50.00} to get out of collections but you situation is totally different so you don't have to worry about that. '' She told me this on XX/XX/XXXX. On, XX/XX/XXXX, she says that I do have to pay the {$50.00} since I told them not to charge my account instead of having it frozen.. They have since sent it to this collection agency that continues to threaten/harass me and report/update damaging and inaccurate information to all three credit bureaus. The erroneous amount is not only inflated to reflect charges that are unsubstantiated but are a direct violation of the ADA since both companies were made aware in a timely manner of my XXXX but deemed it unimportant or invalid and choose to harass me despite this.