23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to dispute and request the immediate removal of the late dates of certain entries on my credit report, specifically accounts related to NATIONSTAR. I submitted a request for information regarding these alleged debts. Regrettably, as of today, I have not received any correspondence from them in response to my request. It is critical to note that these companies have failed to provide sufficient information to verify the debts in question, even after being given ample time. The lack of communication or response from them is both concerning and a violation of standard credit reporting practices. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). Nationstar  XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am filing this complaint due to unresolved inaccuracies in my credit report involving American Express, as reported to XXXX. These inaccuracies relate to the reporting of account statuses, balances, and other critical credit information that do not accurately reflect my credit history. 

Issue XXXX : I discovered these inaccuracies upon reviewing my credit report from XXXX on XX/XX/2023. 
Initial Action : A formal dispute letter was sent to American Express on XX/XX/2023, challenging the reported information. The letter specifically questioned the accuracy of account statuses, the balance owed, the date the account was opened, and the date of last reporting. 
Request for Proof : In the dispute letter, I requested American Express to provide factual proof of the alleged delinquencies, in compliance with the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX standards. 
Discrepancies Noted : The disputed issues include inconsistencies in the reported balance and account status for the periods of XX/XX/2023 and XX/XX/2023. 
Response from American Express : As of today, XX/XX/2023, American Express has not provided a satisfactory response or resolution to the issues raised. 
Impact of Inaccuracies : These inaccuracies are negatively impacting my credit score and financial opportunities, causing undue stress and potential financial loss. 
Resolution Attempts : Despite multiple attempts to rectify these inaccuracies directly with American Express and a 30-day window given for investigation and correction, the issue remains unresolved. 
I seek the CFPB 's assistance in ensuring accurate reporting of my credit information by American Express and the correction of any errors, in line with the FCRA requirements. The failure to resolve these inaccuracies has had significant negative consequences on my financial standing.
Product: Debt collection

To whom it may concern, original creditor XXXX XXXX XXXX XXXX Unlicensed debt collector PORTFOLIO RECOV ASSOC I am writing to file a complaint against Portfolio Recov Assoc. This company is not licensed to collect debt in New York State, and they have been contacting me repeatedly about a debt that I do not owe. I have asked them to stop contacting me, but they have continued to do so. 

I am enclosing a copy of the letter from the New York State Department of Financial Services that confirms that Portfolio Recov Assoc is not licensed to collect debt in New York State. I am also enclosing a copy of my letter to Portfolio Recov Assoc asking them to stop contacting me. 

I believe that Portfolio Recov Assoc is violating the Fair Debt Collection Practices Act ( FDCPA ). The FDCPA prohibits debt collectors from engaging in unfair, deceptive, or abusive practices. Some of the specific violations that Portfolio Recov Assoc may be committing include : Contacting me about a debt that I do not owe Continuing to contact me after I have asked them to stop Failing to provide me with the required information about the debt Harassing or threatening me I would like the CFPB to investigate this matter and take appropriate action against Portfolio Recov Assoc. I believe that their actions are unfair and deceptive, and they are violating the law. 

Thank you for your time and consideration. 

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

Account Name : XXXX Account Number : XXXX Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXX Balance : {$2400.00} Account Name : XXXXXXXX XXXX Account Number : XXXX Balance : {$730.00} Account Name : XXXX XXXX Account Number : XXXX Balance : {$450.00} Account Name : XXXX XXXX  XXXX Account Number : XXXX Balance : {$350.00} This is a formal complaint against all three credit bureaus, ( XXXX, XXXX, and TransUnion ) located in XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ), XXXX XXXX XXXX XXXXXXXX, PA XXXX - XXXX ( TransUnion ), XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX, XXXX, and TransUnion have completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Credit card

On XX/XX/, my credit card was charged. {$240.00}. Also on XX/XX/, I was charged {$130.00} for my account being over its limit because of the unauthorized charge of {$240.00}. The credit card company who failed to protect my privacy information and having included in a data breach is Elan Finacial Services ( phone # XXXX ). On their website myaccountaccess.com they vow to protect my privacy from data breaches and also to contact customers with 24hrs if a customer is involved in one. Instead, over two weeks later I noticed that my card was used unlawfully with no awareness to my credit card company. I informed them of the data breach. No one from the company has ever contacted me in regard to the data breach who to inform me of what exactly happened. On XX/XX/, I was contacted by the credit card company for late payment for the amount of money that was unauthorized. This has put me in a negative emotional state knowing that I was wronged. Also, I do not trust this credit card company Elan Finacial Services for not being able to protect my privacy. They have also been horrible in reaching out to me to even explained what happened. I no longer want to be associated with this company anymore. Their Privacy act laws and consumer laws that protects me against data breaches. Someone please help! 

my fraud claims # XXXX was created on XX/XX/2023 for Elan Finacial Services
Product: Credit reporting, credit repair services, or other personal consumer reports

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In XXXX responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than XXXX business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. 

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I am very devastated for all the excuses Rushmore has gave me in order to not approve me an affordable offer instead I am being asked to pay {$11000.00} as a good faith down payment and additional to that I need to pay 6 monthly of installments for the amount of {$1800.00} but it does not stop in the paper work it states to continue making payments after I complete the 6 installment payments until I received any permanent modification contract. However the trials are higher then what my mortgage was before I started to fall behind this is not helping my situation because my monthly mortgage payment was {$1400.00}. Rushmore knows I can not pay that large payment even though I had tried to negotiate the good faith payment Rushmore does not want to work with me. I am a single mother and I do not want to lose my house. Rushmore has set a sale date for XX/XX/2016 to have me removed from my house and to make matters worse Rushmore now does not let me speak to no agents from Rushmore instead I need to negotiate with Rushmore Attorneys because now they have my case.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 16811 ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : XXXX 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

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for collections. I have tried numerous times to have this situation resolved with no resolutions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am filing this complaint to inform you that Experian has unlawfully reported inaccurate information on my Experian consumer report. I wrote to Experian on XX/XX/XXXXXXXX  to resolve this issue no avail ( See Evidence ). It is the duty of every consumer reporting agency to investigate a consumer dispute and follow reasonable procedures to ensure maximum possible accuracy of a consumer report. 

My name is XXXX XXXX XXXX. I have no other name and no aliases. Any other name or spelling or abbreviations are inaccurate and must be deleted immediately. You, Experian, are furnishing 8 different variations of my name and this is inaccurate. 

My only address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX You, Experian, are furnishing 14 different addresses on my consumer report. This is inaccurate and must be deleted immediately. 

You, Experian, are furnishing 2 different social security numbers on my consumer report. Neither of these are mine! This is inaccurate. My only social security number is XXXX. Any other number is inaccurate. Delete any other social security number immediately. 

My only phone number is XXXX. You, Experian, are furnishing 3 different phone numbers and this is inaccurate. Delete all other phone numbers immediately. 

Delete all employers that you, Experian, are furnishing. I have no affiliation with any of those employers. 

You, Experian, are furnishing an inaccurate collection account on my consumer report. XXXX XXXX account number # XXXX  is not my account and must be deleted immediately. 

I am also requesting for the general or specific certifications pursuant to Rule 1002 required by 15 U.S.C. 1681b ( f ) to establish permissible purpose and compliance to furnish this account on my consumer report. This account has been reported since XX/XX/XXXX according to my consumer report, so I am requesting the general or specific certification that was given to you, Experian, at that time required by procedure to place this account on my report. If you claim to verify, validate this account, I am requesting the results of the reinvestigation and the procedure pursuant 15 USC 1681i ( a ) ( 6 ) and 15 USC 1681i ( a ) ( 7 ) to do so, as well as their sworn certification of accuracy. Experian is required to complete this reinvestigation pursuant 15 USC 1681i ( a ) ( 1 ) ( A ). I am likewise requesting the original documents pursuant Rule 1002. If you, Experian, can not verify this account under the requirements of the law, it must be deleted immediately! To be clear, I am requesting a preponderance of evidence to the facts ; not conjecture. 

References : Case Law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 1681s-2 ( a ) ( 8 ) ( E ) 15 U.S.C. 1681i ( a ) ( 6 ) 15 USC 1681i ( a ) ( 7 ) 15 U.S.C. 1681b ( f ) Rule 1002 Statutes Violated : 15 U.S.C. 1681b ( f ) 15 U.S.C. 1681e ( a ) 15 U.S.C. 1681q 18 U.S.C. 1028A
Product: Student loan

I have multiple private student loans from Navient, and I am under significant financial duress due to the burden of trying to pay {$550.00} worth of private loans with an additional $ 220 monthly on Federal XXXX loans. As such, I contacted Navient to tell them that I 'm not able to pay both loans simultaneously. After a lot of negotiation ; a manager at Navient agreed to extend the payment duration of my private loans and roughly cut my payment in half. The purpose of this was to help me pay both my private and federal loans simultaneously. Navient agreed with 100 % certainty to give this deal to me, provided I gave them authorization to withdraw payments from my checking account monthly. The only catch was that I had to call back the next month to initiate the deal because the private loan payment was already made for that month. When the next payment came due, I called back to initiate the new payment deal, and I was told that this was " never offered to me '' and that they refused to agree to the pre-agreed deal. As such, I requested the recorded conversations between me and Navient. The staff at Navient refused to provide this information to me, and they told me to call the Consumer Financial Protection Bureau if I took issue with their refusal. I am requesting help with this matter because I have been deceived by Navient and they have given me absolutely no flexibility in paying back my loans, despite the fact that I have absolutely no bankruptcy protections. Please help me!
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX  XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was never join with XXXX XXXX auto loan, idk why its on my account can you please remove it from my credit report asap thanks
Product: Credit reporting, credit repair services, 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. 

XXXX : XXXX,, XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 has violated my rights. 

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

I requested removal of an account that is over XXXX XXXX XXXX. They have refused to do so. They went as far as changing the closing date and the information that XXXX XXXX XXXX XXXX has in their files. XXXX XXXX XXXX XXXX is the credit grantor. What they have and refuse to correct is incorrect unverified information. Experian has for years shown incorrectly that the account was closed in XXXX of XXXX. Which is absolutely not true. This account was opened back in XXXX XXXX XXXX and should have been removed in XXXX. I requested that Experian under the FCRA Rules remove this account immediately due to its years of not truthfully verifying it as falsely stated for years. Continue to list it as negative when actually it should have been removed. Under FCRA If you ask a credit reporting agency to remove something. If it is not verified correctly, they're supposed to remove it. They have not done that after numerous complaints. Even after telling them that the information is incorrect according to XXXX XXXX XXXX XXXX they've still refuse to remove it. It is very obvious that they have never contacted XXXX XXXX XXXX XXXX for proper verification. The most recent unverified letter I received from experian was today on XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX