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

XXXX, XXXX will not give me a credit score and XXXX state I haven't been in the country for 10 years. I'm sorry but because of all the data breach with all the credit bureau my name is on the data breach, my name is on XXXX data breach, onXX/XX/XXXX and XXXX XX/XX/XXXX, XXXXXX/XX/XXXX, some was trying to buy a house in my name in New Mexico this has been a nightmare. All of these breach because of the credit bureau is when it first start. I am homeless because of all these data breach. I need a credit score it is my right to be able to function. This isn't how you treat your military family member who have served and protected this country. How much does my family have to lose. I am suffering from contaminated water dealing with XXXX. Please help me.
Product: Payday loan, title loan, or personal loan

I fell behind on my monthly payments. The manager of the XXXX XXXX branch of One Main Financial harassed me at work. She repeatedly called me daily on both my cell phone and work phone. She even faxed proof of income request forms to my work fax machine that was publicly visible by my colleagues. She was told on several occasions that she was calling the office phone number ( which was a XXXX ) and not to call back by me and the manager on duty. She continued to call me at work which was stressful and embarrassing for me. After I XXXX, I accepted a new position but had not officially started work there. I had not provided any new job information or updates to my work phone/address etc. to One Main Financial.  Somehow she was able to locate the company which was out of state! She began calling my new employer. I did not provide the contact information but somehow she called the XXXX  manager and he contacted me about the phone calls. Again I was harassed and embarrassed at my new job. This was a violation of my privacy and completely unethical.
Product: Checking or savings account

A refund check was sent on my behalf for an online payment I previously made through the citizens bank bill pay service. The company ( XXXX XXXX XXXX ) sent the check to XXXX XXXX in order for it to be deposited back into my account. This check was cashed by XXXX XXXX on XX/XX/XXXX. However, the funds were never deposited back into my account. I have been calling and calling and speaking to manager after manager with a promise of the money being deposited within 2-3 business days. The money is never deposited and I never receive any follow-up calls. This leaves me to call yet again another time with no satisfaction and no resolution. I have provided all of the details of the cashed check to multiple representatives that included the check number, date cashed, routing number, amount etc. 
The calls that I have on record to have been made are as follows : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 XXXX XXXX please remove fraudulent / unauthorized collection on my report or provide proof proof in writing within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/2022 I began the process of applying for a home loan and unfortunately was denied a home for my family because of false and misleading information reporting on my credit report. Once I noticed the false information on my report I sent dispute letters to XXXX and Experian to which they have not resolved my issues on my report. My family and I are truly distraught because I really need to obtain a home for the well being of my family.
Product: Checking or savings account

When I had my account open I tried contacting customer service they told me to go to a local bank location and bring to forms of I.d.., at first and then when the issue happen the second time I reached out to the fraud department while I was on vacation they told me to go to the nearest bank location. They didnt solve any of it as to how it happened or why it happened but my whole account was froze due to other accounts being opened and that my login information through the app was changed somehow and I was locked out of my account, card was blocked and there were multiple wire transfers being done without my knowledge.
Product: Debt collection

As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. 
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
FURTHERMORE, the above consumer DEMANDS the following below : Account Name : AMER FST FIN Account Number : XXXX
Product: Credit reporting or other personal consumer reports

This complaint is being sent to you in response to you reporting the aforementioned account on my credit profile with the credit reporting agencies. 
This is not a refusal to pay, but a notice that your claim is disputed. 
The following agency XXXX XXXX XXXX and the following Original Creditor Name XXXX XXXX XXXX  XXXX Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you claim that I owe you. I am requesting proof that : I am indeed the party you are asking to pay this debt ; the date of the alleged medical service ; the name of the patient ; and proof that there is some contractual obligation which is binding me to pay this debt. 
Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. 
The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 
Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXXXXXX  interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. 
Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor, and, as this is a medical account, a copy of any HIPAA authorization. 
Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of, or verifying of this account on my credit reports. 
I require compliance with the terms and conditions of this letter within ten ( 10 ) calendar days, or a complete withdrawal, in writing, of any claim. 
In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB, XXXX  and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as violation of Florida medical privacy rules . 
I also hereby reserve my right to take private civil action against you to recover damages.
Product: Payday loan, title loan, or personal loan

I had a registration loan in the amount of {$4500.00}. I was never given the option to opt out of ACH. When i was unable to pay the high payments i attempted to refinance. I was instructed that i must pay  1/3 o f the principle to refinance for a lower more affordable rate. That would be approx. {$1500.00}. When i attempted to refinance they then told me that it was not on ly 1/3 of t he principle but also interest. This fraud caused me to default on the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked on my credit report and saw there's a bankruptcy being reported without my consent. This unauthorized reporting has caused me financial damage and great stress! I was recently denied approval of a HELOC due to this intrusive reporting! 

XXXX XXXX Bankruptcy Case Number : XXXX Transunion is also in violation of 15 USC 1681 ( a ) ( 4 ). A consumer reporting agency can not furnish any information on my consumer report without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made effort after effort to contact Equifax ( via phone and mail ) regarding the incorrect information reporting. I have sent letter after letter, the most recent being XX/XX/04, certified, in which NONE of them have responded to. Please see attached. The information that is reporting is incorrect and has shattered my dream of home ownership. Please see attached documents. I have attached my phone records, the letter that was sent and receipt from the USPS of tracking info with the dates received. 


I AM FILING THIS ON MY BEHALF, I DO NOT HAVE ANYONE OR ANY CREDIT REPAIR CCOMPANY HELPING ME! THIS IS THE THIRD COMPLAINT!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second complaint I am filing as they closed the first without answering and disregarding everything I said. Below is the original complaint. 

XXXX XXXX is incorrectly reporting my account with them as not paid and put a full balance back on there. When it was originally reported as 100 % paid a couple weeks ago onto my credit report prior. causing my score to rise exponentially. The account was paid off and I have correspondence and letters from the company saying that I completely paid the full balance. Even received a check in the mail a few days later for a refund of the money I overpaid on the full balance. Subsequently it was stated on my credit report as 100 % paid as well as my cosigners. Almost a month go by, and they tried to say that all that was false and that I still owed the complete balance. That is fraud. As I went through all the correct and proper channels to pay. Sent them a letter REGISTERED MAIL notarized XXXX and sworn by me, asking why they say I still owe and explaining if that's the case how did I get a check in the mail or why it was listed as 100 % paid off. They never responded and kept harassing me with phone calls, letters, texts and emails. I just wanted them to prove what they claimed, and they did not and refused to respond. I will attach the certified mail I sent to the company in the attachments along with other documentation.

Their response was that the was not processed and rejected and it takes 3-5 days to reflect. It reflected after 4 and that's when all the information saying I paid the loan completely off because payment went through. They refuse explain why my account was closed if it was allegedly rejected in the system and the subsequently reopened months later. This is fraud. I sent notice of error and affidavit via certified mail. Which they ignored. And never even after the written instructions to. Just blatantly disregarded my certified mail which they received which had to be signed for. They have not proven once that the money was returned. Because it was not returned to me. This is my word versus their word at this point and they are trying to silence me and get away with fraud.
Product: Debt collection

I have sent several letters not only to all 3 credit bureaus but to the creditor directly as well. TD Bank/Target Credit  {$570.00}. A dispute was mailed out to all XXXX, XXXX and XXXX on XX/XX/22, XX/XX/22 and on XX/XX/22. A dispute letter was also sent to the creditor as well. Upon sending notice and receiving a frivolous investigation from all 3 bureaus and it's creditors information reporting, you will clearly see the the FCRA violations. You will see on the supporting documents that both creditor and the 3 reporting bureaus information do not correspond accurately with each other. The TD Bank USA/Target Credit XXXX XXXX XXXX is completely fraud and I have no knowledge of this account. Per FCRA ss 602 [ 15 U.S.C. ss 1681 ], ss 603, ss 605, ss 607, ss 609 and ss 611 which are all violations of Tittle 15 USC ss 1691 and it's sub sections. I demand that you correspond with the Attorney General of California and Secretary of State about these fraudulent matters as I will also correspond with them myself. I demand that you correspond with all e Credit Bureaus demanding the removal and relief of this fraudulent account from my credit profiles.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a dispute that was received on XX/XX/2023. When I called in to the automated system it stated that all three of my accounts where deleted. I sent equifax XXXX. A dispute letter disputing XXXX accounts for identity theft and they claim they only received the FTC reports for XXXX of the accounts and not the third. This dispute packet was sent certified mail and was staples together. 

I spoke to the super in the fraud department and he lied about the whole process and then hung up the phone on me. I reminded him this is why indenting theft happens and you guys have loss/ miss placed information that has my personal private information on them. 

Below is letter that was sent I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report : ( Identify item ( XXXX ) that are to be blocked immediately XXXX. XXXX XXXX # XXXX This information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report. 

Sincerely, XXXX XXXX XXXX ( Beneficiary ) Enclosures : Identity Theft Report FCRA Section 605B ENCLOSURE : FCRA 605B ( 15 U.S.C. 1681c-2 ) Block of Information Resulting from Identity Theft
Product: Consumer Loan

I had a loan with XXXX XXXX on a car. Santander bought the loan I have had nothing but trouble since then, if I was late they charged huge fees and XXXX months ago my truck was repoed and taken XXXX miles away it cost me {$1000.00} to get there take off work and pay santander XXXX dollars, the loan they said was XXXX days past due but I know there was only XXXX XXXX XXXX I got it back they said they wanted {$900.00} more.I have the truck now and they are sendingme letters saying the loan is passed maturity and I owe them fees in the amount of {$3300.00} and it shows it to all be due now.I know there is no way I owe this and feel I have paid enough the loan started XXXX yrs ago. I dont have much money and it is unfair practices on there part I keep asking for them to show me how on a $ XXXX loan I could owe this and they never send printoutsPlease help me they prey on people that are poor and withouta car I cant work. I have gotten soooo mad and it is not good for my health
Product: Credit reporting, credit repair services, or other personal consumer reports

A company by the name of XXXX XXXX, XXXX, has contacted me on behalf of XXXX XXXX XXXX XXXX XXXX, who has purchased an account that Experian has listed, the letter states they are the current creditor, THERFORE PROOF, XXXX IS MO LONGER THE CREDITOR. 

IF XXXX XXXX REPORTS THIS ACCOUNT TO ALL THREE BUREAUS DO THEY STILL LEAVE IT AS IS OR REMOVE IT? SO THEN TECHNICALLY HOW CAN 2 companies report the same debt? 

Also, they are mailing me, emailing me weekly, its over the top and very unprofessional and harassment/bullying. I want them to stop Harassing me. I don't need a copy of my credit report mailed to me weekly, I have not requested it. They don't need to email me to confirm my email address when I give it freely, EXPERIAN EMAILED ME AND STATED THAT A COPY OF THE LETTER SENT TO ME TO PAY XXXX XXXX IS NOT SUFFICIENT AND THEY WILL NOT REMOVE THE XXXX ACCOUNT. ITS ALMOST COMICAL, THEIR EXTREME ARROGANCE.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year> I applied at XXXX they said I got approved.for XXXX dollars. They wanted my bank information and social security and my employment information. They also took my debit card number.They said I was approved. They said my money would be deposited the next business day.I called the company today which is XX/XX/year> and in this message said I did not get approved.yesterday I spoke to XXXX different people and they said I was approved. I also got a text message and I have an email with a link. I also have screenshots of the loan. So today I was not able to speak to anyone I called the XXXX numbers and I get a recording and when it says that Im going to speak to someone it conveniently says that no one is available to speak to.
Product: Mortgage

On XX/XX/20 I requested documents regarding foreclosure Rushmore is listed on my consumer reports, I need this info they replied to my affidavit with a regular letter stating XXXX XXXX XXXX XXXX was the trustee misleading as they aren't on my consumer report
Product: Mortgage

I filed for forbearance as a result of unemployment back in XXXX 2016. Since that time, Freedom Mortgage has consistently delayed processing my request with frivilous requests that I resubmit paperwork already provided in triplicate, documents they never disclosed at the start as requiring. They also delayed my request b/c the single point of contact assigned to me took a week off for personal business without having anyone work on my account during his absence ( XXXX XXXX ). He also failed to touch my file when I submitted paperwork but would delay processing my paperwork for 3 to 5 businsess days ( XXXX XXXX ). New single points of contact were assigned multiple times with and without my request for change, which added more delays. The single points of contact failed to look at the paperwork provided and would ask me to resubmit paperwork because I had provided so much paperwork ( which was result of their frivolous attempts to delay ). Four months later, I have found a job and now I am being penalized with penalties that were a direct result of Freedom Mortgage 's delays ( not mine ) and I am being penalized with an increase in interest rate. They are restructuring my loan rather than granting me the forbearance during the periods that I was unemployed because I am now employed 4 months after I filed for forbearance - so I am being penalized for having getting a job instead of waiting for them to finally process my request for forbearance. They have ruined my credit score with all their delays so I ca n't go to another lender.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

All of these were inquiries made on my credit report without my permission. I am XXXX and have been for the past 6 years and I believe someone has taken advantage of my credit. Please remove all these inquiries XXXX XXXX  ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

BELOW is the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit report : Company : XXXX Account # : XXXX Date Open : XX/XX/2017 Balance : XXXX Below are fraudulently unauthorized inquires on my report : Company : XXXXXXXX XXXX Date : XX/XX/2017 Company : XXXX XXXX XXXX Date : : XX/XX/2017 Company : XXXX XXXX Date : : XX/XX/2017
Product: Credit reporting, credit repair services, or other personal consumer reports

EDFINANCIAL {$3800.00}, {$25000.00}, {$13000.00}, {$25000.00}, {$24000.00}, {$9100.00}, {$9500.00}, {$4800.00}, {$5000.00}, {$2800.00}, {$240.00}, {$2700.00}, and {$5700.00} PURCHASED MY STUDENT LOANS FROM XXXX XXXX AFTER XXXX XXXX REMOVED MY ACCOUNTS on XX/XX/XXXX. SECRETARY OF EDUCATION XXXX XXXX XXXX US SECRETARY OF EDUCATION SENT AN EMAIL ON XX/XX/XXXX, STATING MY STUDENT LOAN DEBT RELIEF APPLICATION HAS BEEN APPROVED
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a copy of my consumer report from Equifax and notice they were reporting a last name that didn't belong to me I mailed them a letter letting them know they were reporting a name that did not belong to me and I mailed with the letter a copy of my ID SSN # and Utility Bill asking them to remove it, the last name they were reporting had inaccurate accounts attached to them that did not belong to me, so I file a complaint to the FTC and CFPB for identity theft and sent to Equifax through the CFPB portal I also mailed it along with my identification again. They mailed me a letter on XX/XX/2022, saying they couldn't investigate because the information I sent to them didn't match the information they had on file that's because they were still reporting the last name that I told them didn't belong to me and I sent in proof several times of my full legal name. I never consented to any information being furnished, and this infringes upon my right to privacy I am demanding this information be deleted permanently or I will escalate this and hold Equifax personally liable.