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

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
XXXX. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX XXXX Account Number : XXXX Update to Open/Never late XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX.15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2024 Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't recognize these inquiries. I've never requested anything from them.
Product: Credit reporting or other personal consumer reports

TransUnion, I just received my investigation results from TransUnion and saw some accounts were verified. However, I have a few questions : how do you complete your investigation? Did TransUnion talk to my neighbors, friends, family? If so, please inform me of the person who completed the investigation. XXXX more thing, i was reading the FCRA and noticed TransUnion violated these laws as well : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( i ) I XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). 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  Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation Sincerely, XXXX XXXX
Product: Checking or savings account

I was charged {$330.00} for a purchase I cancelled the same day. The charge was returned by my bank. I paid the {$35.00} over draft fee. 7 days later they charged my account again. I did not receive a refund for the cancelled item.. I am still waiting! Paypal took my money and never refunded the amount. 

I called XXXX. They said they refunded the money back to PayPal and they can not do anything about it now.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several hard inquiries that have been listed on my credit report from [ Credit Bureau Name ]. Upon reviewing my credit report, I have noticed multiple inquiries that I believe were either unauthorized or incorrectly reported. These inquiries are negatively impacting my credit score, and I am requesting that they be investigated and removed in accordance with the Fair Credit Reporting Act ( FCRA ).

Under my rights as outlined in federal law, specifically 15 USC 1692g of the Fair Debt Collection Practices Act ( FDCPA ), I request written validation of this debt.

Please provide the following information : 1. The original contract.

2. The amount of the debt.

3. The name of the original creditor.

4. A detailed explanation of the debt, including any interest, fees, or additional charges.

Under 15 USC 1692c Debt Collectors can not discuss the debt with third parties without the consumers consent, except to obtain location information. I request that all collection activities cease.

Additionally, I would like to highlight 15 USC 1681b of the Fair Credit Reporting Act ( FCRA ), which prohibits obtaining consumer credit information through false pretenses. Any attempt to misrepresent this debt could result in legal consequences for your agency.

Please treat this letter as a formal dispute of the debt in question. I request that you cease all communication with me regarding this matter until you have provided the requested validation.

I expect to receive this validation within 30 days of the date of this letter. This ongoing situation has prompted me to seek assistance from the Consumer Financial Protection Bureau ( CFPB ) to ensure my rights are upheld. 

The following inquiries are being disputed : 1. XXXX XXXX  ( XXXX ) XX/XX/year>2023 2. XXXX XXXX XXXX  XXXX ) XX/XX/scrub> 2023 3. XXXX XXXX ( XXXX ) XX/XX/scrub> 2023 4. XXXX XXXX XXXX XXXXXXXX ) XX/XX/scrub> 2023 5. XXXX ( XXXX  ) XX/XX/year>2023 6. XXXX ( XXXX ) XX/XX/year>2023 7. XXXX XXXX XXXX  XXXX ) XX/XX/year>2023 8. XXXX XXXX  ( XXXX ) XX/XX/scrub> 2023 9. XXXXXXXX XXXX XXXX XXXXXXXX ) XX/XX/year>2023 10. XXXX OF XXXX ( XXXX ) XXXX XXXX, 2023 11. XXXX XXXXXXXX ( XXXX ) XX/XX/year>2023 12. XXXX XXXX ( XXXXe ) XX/XX/scrub> 2023 If any of the above inquiries are found to be erroneous or unauthorized, I request that they be deleted from my credit report as required under the FCRA. Please also provide me with written confirmation of your findings and any corrective actions taken. 

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

Request for Correction of Personal Information on My Credit Report I am writing to bring to your attention an inaccuracy in my credit report. It has come to my notice that my credit report includes some outdated personal information, specifically old addresses and phone numbers. These inaccuracies are a cause of concern for me, as they may potentially lead to incorrect assumptions or conclusions about my creditworthiness. 


Address:XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX VA, XXXX Phone Number : XXXX I understand that under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute incomplete or inaccurate information on my credit report. I am therefore asking for your assistance in investigating and resolving this matter promptly. 

Attached to this letter are supporting documents that substantiate my claim. These include [ list any documents that you have that support your claim, such as utility bills or a lease agreement showing your current address ]. 

I appreciate your prompt attention to this matter. Please let me know if you require any additional information or documents from me. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I'm filing for a complaint against Marcus by Goldman Sachs for : 1. Deceptive practice : Set higher rate 1.85 % APY CDs to auto-renew on XX/XX/2021 at a much lower rate of 0.55 % APY by default without customers ' clear understanding and explicit consent, and without adequately communicating to customers what to expect after auto-renewal ( e.g. the new APY, early withdrawal fees ), especially during the pandemic when we need the liquidity 2. Unreasonably high fees : Even though starting from the renewal day XX/XX/2021 we only earned ~ {$50.00} interests on the renewed CD, Marcus wants us to pay ~ {$600.00} to break this CD, which we didn't intend to or explicitly consent to have it renewed in the first place since we need liquidity 3. Not treating customers equally and fairly : On XX/XX/2021 when I called Marcus to get it corrected and resolved since I did not receive any communications and was not aware of the auto-renewal ( I normally receive communications on statements, rates, etc. ), Marcus claims they sent my husband communications. Upon checking, my husband  received just 1 email on XX/XX/2021 regarding the renewal, which contains no information on APY, nor information regarding early withdrawal so it didn't draw his attention at the time. However, as the equal joint owner I received no communications whatsoever on such an important topic, if I had received the same email ( even though it contains inadequate information ) I would have taken actions to stop the auto-renewal since I manage our households financials. Marcus claims my husband is the " primary owner '', but legally I have joint ownership and should have the right to be treated equally and fairly, e.g. be notified of important account changes.
Product: Mortgage

Rushmore Servicing accelerated the mortgage account XX/XX/2023 ( see attached XXXX statement ) BEFORE they gave notice of Intention letter and Right to cure default Letter on XXXX XXXX and delivered on XXXX XXXX ( See Rushmore reply to CFPB admitting they noticed AFTER ) in clear violation of. 2A:50-56 Notice of intention to foreclose. 4. a. Upon failure to perform any obligation of a residential mortgage by the residential mortgage debtor and before any residential mortgage lender may accelerate the maturity of any residential mortgage obligation and commence any foreclosure or other legal action to take possession of the residential property which is the subject of the mortgage, the residential mortgage lender shall give a notice of intention, which shall include a notice of the right to cure the default as provided in section XXXX of XXXX, XXXX ( XXXX ) This is the Notice of Intent Letter on XX/XX/2023 that Rushmore somehow is still using to bring the Foreclosure complaint at the present time, even though the acceleration on XXXX XXXX statement clearly is in violation of 2A:50-56. 
They must follow the Rules & Law as everyone else. 

Also on the XX/XX/2023 statement the {$5100.00} in legal fees and {$290.00} in maintenance fees that we have demanded answers to numerous times are in the Lenders Paid expenses summary. Rushmore, at a minimum is mistaken and at the worst is lying to CFPB in their response letter of XXXX XXXX when they replied that these figures are internal fees and have no bearing. HOWEVER, these figures are included & added to a total lenders expense of {$6500.00} which is then added to the reinstatement {$45000.00} expected to be paid in full by Rushmore. Which is clearly NOT internal fees or has no bearing on the alleged balance due. While once again we are waiting to get our answers to our demand of Rushmore to answer what the {$5100.00} in legal fees and {$290.00} in maintenance fees were for, when the work was completed and by what what company. And how/why these figures are included in the reinstatement figure {$45000.00} on the XX/XX/2023 Statement.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : Personal Information Also Known As : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I was trying to purchase a house, I have damaging information on my credit profile, there should be no damaging information on my credit profile Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XX/XX/XXXX CC : CONSUMER FINANCIAL PROTECTION BUREAU AND FEDERAL TRADE COMMISSION XXXX : YOU HAVE VIOLATED THE XXXX XXXX FAIR CREDIT REPORTING ACT 15 U.S.C & 1681g DEMANDING ATTENTION FROM LIVE REPRESENTATIVE!!!! 
Im not happy with the way your company is handling my consumer report. I was a part of a Equifax breach and your company is still not securing my information. I have already filed complaints with the Attorney Generals Office in your state and my state about your illegal attempts to damage my consumer report. I've also made a complaint to CFPB. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified. 

Under the Fair Credit Reporting Act, XXXX U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer. 
Thereis not a possible way a debt can be validated under 15 U.S Code 1692g ( 5 ) ( b ). YOU ARE BREAKING THE U.S FEDERAL LAWS. You will be hearing from the CFPB about these violations. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are federal law violations and damages as a natural person. I am demanding your company to remove these accounts IMMEDIATELY As stated before, I am aware of the FCRA law. Considering your responds you are NOT in compliance with these laws. Ihave the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.I do not consent you to use the e-oscar system to verify or look over this matter. Also it has been way past 30 days for you all to respond to my disputes which again is a violation. I DEMAND THAT YOU DELETE THESE FOLLOWING ACCOUNTS IMMEDIATELY Account : Account Number : Reason XXXX XXXX XXXX fraudulent account XXXX XXXX XXXX XXXX fraudulent account XXXX XXXX XXXX XXXX fraudulent account Its your duty, mandated by law be in compliance with the laws.The furnisher never provided any proof to me that that account listed above was reported 100 % accurate. Im telling you that Im ready to initiate my own investigation by filing complaints with the Attorney Generals Office in my state and yours if the above items are not deleted ASAP. 
Tracking everything CC : FTC, XXXX CFPB XXXX XXXX
Product: Debt collection

I have submitted multiple complaints and Im not giving up. I was defrauded by both ally and XXXX XXXX. The person that has been reviewing my complaint at ally isnt investigating the complaint as she should be fired. I have attached my contract and when you even add the numbers an extra {$400.00} was added. I have discussed this extra {$400.00} multiple times and they didnt care. This act is illegal in the truth and lending act and grounds for a contract to be terminated.
Product: Mortgage

My account is being reported as delinquent and they are refusing to correct it. They keep telling me a loan counselor will contact but that has yet to happen. I have attached evidence of my multiple attempts to contact this loan servicing company/lender and they keep giving me the run around. 

Today XXXX XXXX XXXX XXXX XXXX XXXX, transferred to XXXX, transferred tp XXXX which went to voicemail at XXXX. 

Called back again XXXX XXXX spoke to XXXX and got hanged up on Called back XXXX XXXX, spoke to XXXX and then got transferred to XXXX and then transferred to a lady at XXXX whom i believe is named XXXX who started lecturing me on the process. Again they know they are in the wrong and trying to protect themselves. 

Please mind you that I sent a signed and notarized letter on XX/XX/XXXX which looks like it was never processed and they are claiming it is because the letter was expired. This should not have been reported as delinquent since i was on an approved forbearance plan. I have been making my regular mortgage payments for over a year.
Product: Debt collection

This account was originally with XXXX XXXX and was closed as a stolen card due to an identity thief. So I don't understand how a debt that was fraud fell into a collection.
Product: Credit card or prepaid card

I ordered some ornaments on XXXX on XXXX for {$43.00}, invoice attached. I returned these items. XXXX confirmed receipt. XXXX issued two refund, one for {$22.00} and one for {$21.00}. They confirmed these two amounts and transaction ID 's. CitiCard however did not credit me for the {$21.00} only the {$22.00}. The vendor refunded me the {$21.00} and it seems as if CitiCard has absconded with my monies and not credited my account.
Product: Credit reporting or other personal consumer reports

XXXX  marked me from being paid to 90 days late several times throughout. my student loans. I have had government jobs that kept them deferred or in forbearance or in school. the were never. deffaulted or late. i was charged fees and interest on deferred loans as well as the credit reporting being from paid to 60d days late or from paid to 90-120 days late then paid. Now they are paid and they still have not corrected this error.
Product: Debt collection

american express has tried contacting me after the debt has been written off all 3 ber.  The collection dept for amex called me and yelling at me on phone.  I have contacted them saying any communications are to be sent mail.  That the credit companies have agreed that it was fraud and removed from my credit yet they still call me daily and continue to call me continuous.  They try to call daily after was told not to and reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

Deceptive practice, illegal repossession. Filed complaint with Attorney General. False reporting to credit as " involuntarily repossession ''. Falsely repossessing and breaching terms has been filed with AG Office. Credit agencies all show my credit as XXXX less now and with incorrect comments. Despite XXXX XXXX lawsuit of XXXX XXXX by MA AG, the company is still deceiving consumers and now I am without my vehicle despite following terms of my loan, resigned from job of 2 yrs and left homeless. Upon refusing to return car stolen and illegally repossessed, and XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX breaching loan terms, XXXX XXXX hung up on me, and within 5 mins reported to all credit agencies indicating " involuntarily repossession '' despite knowledge and video taped by my home cameras the 30 minute conversation with the PI where I handed over my keys. I attempted to pay what was owed, all well within my loan terms the following 3 days and was denied and XXXX XXXX gave reason he owes bank. False reporting with knowledge to credit agencies and refusal to fix despite knowledge written to bank and XXXX.
Product: Student loan

I have been getting REPEATED phone calls whenever my account is 1 day past the 30 day mark. They come as many as 10-15 calls a day starting at XXXX. I've requested via my Federal Law rights that they stop calling my home but the calls persist.
Product: Debt collection

Suddenly today I received 5 phone calls in a row from XXXX a guy claiming to be XXXX XXXX says I have a case that is filed in the XXXX courts and to call XXXX I have no outstanding debts, we looked online and found the XXXX number listed a fake solicitation of debts-scammers! when I called the XXXX, they identify themself only as XXXX XXXX XXXX, a collection agency. Complete fakery! they kept calling and wouldn't give any information and threatened to call my employer, ridiculous!
Product: Mortgage

PennyMac, the mortgage company that services me refuses to report my payment history to the Credit Bureaus XXXX, XXXX etc.. 
my loan number is XXXX the address is XXXX XXXX my name is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 30 days past due. Ive never been behind on my payment. I tried contacting the 3 Credit Bureaus and the XXXX  but they have provided me with nothing tangible which reflects anything verifiable. There is definitely an error with their part. I was never late. Investigate properly and please update for 100 % accuracy. 
XXXX XXXX Date Opened : XX/XX/2014 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It all states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a XXXX payment on a credit card account under an open end consumer credit plan as late for at purpose.