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

transunion, should you choose to ignore my evidence and my disputes, litigation shall comense first violation 15 usc 1681 ( a ) ( 4 ) - Infringed Upon a Consumers right to privacy Why is this a Violation? 
XXXX has no business going out and looking for negative information thats Infringed Upon a Consumers right to privacy. 

thats where you got your information fROM Second Violation 15 usc 1681b ( a ) ( 2 ) ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates THE LETTER FROM THHE COURTHOUSE IS ATTACHED THE COURT NEVER GAVE YOU PERMISSION NOR DID THEY VERIFY ANY INFORMATION WITH YOU violation 15 usc 1681a- ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
However, such information shall not include specific information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
In short terms YOU TO have investigated & verified they must have spoken friends, neighbors or associates etc. and if they spoke with them the information Provided can not be factual ANOTHER COMPLAIN SHALL BE FILE WITH THE ATTORNEY GENERAL, SINCE YOU CAN NOT VERIFY THIS INFO AND STILL CHOOSE TO REPORT UNVERIFIED INFORMATION ON MY REPORT XXXX XXXXXXXX removed it because they also could not verify it. so please tell me who you spoke to at the court house, name address and phone number
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

I traded in my XXXX  Kia XXXX after 5 months of ownership due to me losing around 35 % of my battery life. The vehicle was traded on XX/XX/2023. I work at a Kia dealership so I was able to easily pull the payoff and when I submitted the payoff information, I forgot to turn off my autopay for the car payments. Their automated system said my vehicle was fully Paid off on XX/XX/2023 and on the XXXX of XXXX, Kia took out yet another car payment. I called them and they tried saying that my pay off went up. I asked them multiple time to explain to me how the payoff went up because I never missed a payment and the very first month I made an autopayment they took out 2 months worth of payments. So I was actually a month ahead. Their best explanation of why they took another payment out was because I never turned off my auto pay and even though the vehicle was 100 % paid off they said their system would still be taking out monthly payments until the lease maturity date. They then said they can process a refund for about half of what they took out since the " payoff went up ''. I asked what would have happened if I turned my auto payments off before they took out another payment and they said that they would have been short and would have sent an invoice to the dealership. However, since they already took another payment from me, they said they will just use that money to pay for the difference and refund me the rest. The Kia representatives I spoke with would not let me explain my concern and kept trying to shut me down so I could never get an actual explanation. I have attached a document sent from Kia showing a {$0.00} due balance for the month of XXXX, yet they still took out a payment. I also brought that up to their attention and they would not look into it at all. I think an attorney would classify this as unfair or deceptive acts of practice. ( XXXX  )
Product: Mortgage

1 ) Rushmore Loan Management Servicing , LLC claims they did not participate in dual tracking or misleading/ deceptive messaging regarding my mortgage assistance process. I was denied on XX/XX/2023, provided an appeal period in which I exercised by explaining verbally the mistakes made regarding my income ; which was cited as a reason for denial. 

2 ) I then proceeded by following the representatives advice and providing a new mortgage assistance package. Rushmore Loan Management Servicing , LLC accepted a new application. Rushmore Loan Management stated they provided written notice of missing documents ; however, they only provided such notice on XX/XX/2023, while simultaneously closing my review. 

XXXX ) No previous written or verbal notice was provided that any documentation was missing or needed for the file to be complete. As I mentioned until XX/XX/2023, in which Rushmore Loan Management Servicing , LLC closed the file and with 6 calendar days on XX/XX/2023, placed a foreclosure sale date in the system for XX/XX/2023, less than 30 days from notice. 

4 ) This is an act of deception, this was done to prevent me from having the ability to respond to written missing document requests, and also to prevent me from being able to look at any other option of the loss mitigation process such as a short sale or deed in lieu. Also prevented me from potentially selling my home on the market because I now have a foreclosure sale date. Rushmore Loan Management Servicing , LLC enforced a sale date within 6 calendar days of unethically closing my mortgage assistance process, and then making the sale on XX/XX/2023, less than 30 calendar days from the file closure notice and from XX/XX/2023, date of notice of sale. 

5 ) Rushmore Loan Management Servicing , LLC claims they are in place to assist the homeowner to stay in their home while collaborating with the owner of the note to come to agreeable terms. However, my experience has been far from that these past several months. I simply would like the opportunity to be reviewed for mortgage assistance with all the correct information and so a true decision can be determined. I have been forced into a foreclosure sale date without being properly reviewed for all loss mitigation options. 

6 ) Request that Rushmore Loan Management Servicing, LLC provide documentation suggesting missing documents were requested to the XX/XX/2023, file closure letter. Rushmore Loan Management Servicing , LLC present all audio-recorded conversations from XX/XX/2023, to XX/XX/2023, when the sale date was entered into the system.
Product: Debt collection

I sent letter stating that I am XXXX and " judgement proof. '' I included the FDCPA " Ceasing Communication '' statement. This letter was mailed to the Barclay Bank address on file for customer communications on XXXX XXXX, 2016. I have received multiple calls daily and five calls today from this company.
Product: Credit reporting or other personal consumer reports

Dear Midland Credit Management, I am writing to formally request that you immediately cease all reporting of the collection account associated with my name, which appears on my credit report. This request is made under the privacy protections afforded to me by 15 U.S. Code 6802. I have reviewed my credit report and noticed that your company is reporting a collection account that is inaccurate or incomplete. According to the Fair Credit Reporting Act, I am entitled to dispute any information that I believe to be erroneous. If you do not cease reporting this account, I am formally requesting Proper Validation and Proof of Claim as per the Fair Debt Collection Practices Act ( FDCPA ). I seek comprehensive validation of the alleged debt, including evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : 1. A copy of the original contract or agreement under which the debt arose.

2. A detailed account statement showing the amount of the debt, including any fees or interest.

3. Date of Last Activity.

4. Full, accurate social security number that may help to identify me as the correct person you are trying to collect from.

5. Documentation confirming that you have the legal right to collect this debt. 
6. Any correspondence related to this account that includes my signature or consent.

I demand that you take the following actions : 1. Immediately cease reporting the collection account associated with my name.

2. Confirm in writing within 15 days that this account has been deleted from all credit reporting agencies or provide the requested validation. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. 

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

I submitted a letter to the 3 Credit Bureaus last XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again XXXX XXXX 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

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Experian credit reporting agency, block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX : Account number : XXXX, XXXX XXXX XXXX : Account number : XXXX, XXXX XXXX : Account number : XXXX, XXXX XXXX : Account number : XXXX, XXXX XXXX : Account number : XXXX, XXXX XXXX XXXX : Account number : XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : INCONSISTENT LATE PAYMENT REPORTING - 30 OR 60 DAYS? HOW? SEE ATTACHMENT I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

I have never applied for any loan product with Regions Bank. I have never had an account with them. They are reporting to my credit profiles and have recently reported a late payment for a loan balance that I am unable to verify. This company needs to be removed from all of my credit profiles ( including XXXX, XXXX, and XXXX ).
Product: Credit reporting or other personal consumer reports

I sending letters so many time for the 3 bureaus but they refusing my dispute letter and receiving email from them saying I'm seeking for help in the 3rd party. Which is wrong I'm the one who send out letter no one help me. please do an action or else I will file a litigation regarding this matter. please delete this account this is wrong and accurate your violating my right. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

We make our payments early ( paying minimum due bi-monthly plus alittle extra ). All payments are received before the due date. CareCredit ( Synchony Bank ) is penalyzing us for making payments before they mail the bill out. When this happens they are charging us late fees and reporting negatively to the credit bureaus which is a predatory practice. I have never heard of being penalized for not only paying extra but paying early as well. Payments were due on the XXXX of every month and we paid on the XXXX and XXXX of the prior month. CareCredit does not have their act together and as a result the consumer is penalized. We were able to get them to refund the late charges and supposedly fix our credit reports which we will fllow-up on. They also told us that since they incapable of taking payments early that we need to make payments between when the bill is recieved and the due date. The representative could not tell us a good datew to setup our auto-pay. Additionally they kicked us off of the promotional APR with fixed payment amount because of their bogus late fee. We have another account with CareCredit which has a 0 % APR and we pay ahead on this one as well and this account never has an issue with getting late payments for paying early. This clearly tells me that CareCredit is penalyzing customers for paying early on interest accounts because it means its less interest for CareCredit to earn.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my numerous previous communications regarding the fraudulent items that have appeared on my credit file. Despite my repeated attempts to address this issue, the fraudulent items remain unresolved. The persistence of these unauthorized transactions on my credit file is a serious concern that has yet to be adequately addressed. The presence of these fraudulent items is not only compromising my financial security but also significantly affecting my creditworthiness. The lack of resolution after multiple attempts to rectify this situation is unacceptable and has caused me considerable stress, inconvenience, and potential financial harm. If this matter is not addressed promptly, I will be forced to escalate my complaint to relevant regulatory authorities and consider legal options to protect my rights as a consumer. Kindly help me remove the following items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance XXXX : {$0.00} XXXX XXXX  XXXX Balance Owed : {$2800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance XXXX : {$2800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Owed : {$2800.00} XXXX XX/XX/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 demanded a cease-and-desist and opted out of credit reporting to XXXX. I received a letter as confirmation that XXXX has removed my name and address from their solicitation lists so they honored my request but did not remove my information and stop reporting to third parties my information still appears on the three credit bureau, XXXX XXXX Equifax and XXXX. XXXX has now implicated The three credit bureaus as parties is still reporting to these third parties after the cease-and-desist they said they honored. Whether unknowingly or not, this is a violation of the FCRA and XXXX has implicated the three credit bureaus, XXXX XXXX, Equifax, and XXXX in this violation now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance XXXX : {$0.00} ; XXXX XXXX XXXX XXXX Owed : {$7300.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$160.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$410.00} ; XXXX XXXX Balance Owed : {$2700.00} ; XXXX XXXX Balance XXXX : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I reported identity theft to XXXX, They sent my personal information to collector agency.They are keep sending mail.I paid that amount which was fraud in my account and They added interest which was paid by me from my bank account. They did not respond back to me while I was calling to them.
Product: Debt collection

On XX/XX/year>, at XXXX Central Time, I received a text message from the number XXXX claiming to be Harris & Harris collections asking for {$43.00} on behalf of the XXXX XXXX XXXX before I received any notice from from the XXXX XXXX XXXX 


" Benjamin , Harris & Harris-collects for XXXX XXXX XXXX Balance : {$43.00} To Pay : XXXX : XXXX or call XXXX Reply STOP to stop '' After confirming with the Oklahoma Tax Commission that I did not owe any money I called Harris & Harris and was connected to a very uncooperative operator. 


- The operator wouldn't give me confirmation via email that my info was removed from their system, even through I owed no debt. 
- The operator wouldn't give me a straight answer if the Debt would hit my Credit Score, even though it was not in my name. 
- Contacted me about my brother " XXXX '' even though it was my number.
Product: Credit card or prepaid card

I applied ( and was approved ) for the American Express Delta SkyMiles Blue Credit Card around XX/XX/2018. At that time, the sign-up bonus marketed online included XXXX SkyMiles after spending {$500.00} in the first three months, as well as {$50.00} statement credits for XXXX rides every month for the first six months. I called American Express on XX/XX/XXXX and filed a claim regarding this issue ; I never heard back. I then tried calling again on XX/XX/2018. The representative told me that the claim was found to be in my favor and that I should receive the sign-up bonus when my statement closed. I called back XXXX after the points were not transferred, and was told by the representative that they should be credited in XXXX after my XXXX billing cycle closed ; they were not credited. I then called American Express on XX/XX/XXXX to inquire on the status of the sign-up bonus ; the XXXX Skymiles were credited to my Delta SkyMiles account, but I did not receive the statement credits. I called again on XX/XX/XXXX, and they had no answer for me other than to wait 2-4 weeks for further investigation. I should be credited {$300.00} ( it's been about 6 billing cycles, and I've spent well over {$50.00} on XXXX rides each statement ). I have attached a screenshot of the website promoting the signup bonus, from the time I applied for the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Me and my twin brother ssn are almost alike, but off by one number, I finance my car threw XXXX XXXX monthly for XXXX since XXXX XXXX, 2017. I went to trade in my car viewing my credit report from the dealership what accounts appeared on my credit report was by the name of Suntrust and XXXX XXXX. I didnt not open the accounts my twin brother is affiliated with them. It is affecting me.
Product: Checking or savings account

I am purchasing a home in the XXXX ( XXXXXXXX XXXX  ). All of these funds are to purchase my 1st home. Upon initiating the wire on XX/XX/2024 for XXXX dollar from CapitalOne my account was locked and put in an investigation status to confirm the incoming wires and the external wire which is being sent to a closing attorney XXXX XXXXXXXX XXXX XXXX in XXXX XXXX. This has caused a major inconvenience and has cost me money to extend closing on my home. I need this resolved and my funds released asap please! I have called the customer support and they have been no help! They continue to just tell me my is locked and under review which is unacceptable. I bank with XXXX and XXXX and never have had any issues with my international wires coming in or going out. I am a full time student at XXXX XXXX XXXX in XXXX XXXX  and I receive funding from my family in XXXX.