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

after one year of closing this account, the creditor, XXXX is stating that I had a 30 day late payment on my car loan. This is not true. The vehicle was totaled and was paid out by insurance. The payment was never late and the account was paid in full following the claim. This is an error by XXXX. I spoke with the company on the phone, and they expressed that no late payments have been reported from them to the credit bureaus, and that they are currently investigating the situation. This CFPB report is an attempt to expedite the removal process.
Product: Debt collection

directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize you to have access. I intend to pursue filing a legal complaint unless they immediately deLete this item
Product: Credit reporting or other personal consumer reports

I am filing this complaint on my own behalf. After reviewing my credit record, I found instances of late payments. Despite sending letters regarding this issue over 30 days ago, I have not received a response, nor have they provided satisfactory validation. I kindly request your assistance in resolving this matter.
Product: Debt collection

Hello, This bill was paid in full. I had previously contacted the biller and they confirmed the bill was paid in full but my credit report was never updated. 

Please contact me at XXXXXXXXXXXX with any or all help associated with this. 

Thank you, XXXX XXXX
Product: Debt collection

Illegitimate company tried to say i owed them money. They are harassing me and threatening to damage my credit if I do not pay up.
Product: Debt collection

Resurrection of settled case XXXX on XXXX XX/XX/year>. XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX sought restitution more than XXXX years after their client ( XXXXXXXX XXXX XXXX ) collected said property and stated the debt wasn't settled. XXXX XXXX XXXX signed a Notice of Satisfaction of Judgement on XXXX XX/XX/year> on behalf of their client Citizens Bank N.A. After XXXX years, they've made mistakes and now want to collect interest on settled debt. They have issued a Release of Wage Garnishment under XXXX. XXXX, XXXX. XXXX, and XXXX. XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Placed an unauthorized hard inquiry on my Equifax credit report without my permission. I did not authorize XXXX XXXX XXXX XXXX to check or request any of my credit information. This is fraud credit check inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dispute these Items in the month  XXXX  Equifax did not compile with the State Attorney General Settlement Agreement  and 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : I have 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. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required und er Section 611   ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd pa rties you are damaging my reputation and credit worthiness.     According Sectio n 15 U.S. Code 1681d - Disclosure of investigative consumer reports ( b ) Disclo sure on request of nature and scope of investigation Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsectio n ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of th e investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than  five  days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later. The description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provide within 5 days of the completion of your reinvestigation
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, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX # XXXX, has violated my rights. 


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

This consumer reporting agency is in violation of 15 U.S. Code 1666b. A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I was not notified in the time frame.

1. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
2. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681CXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-XXXX XXXX Date of inquiry : XX/XX/XXXX Please ensure that all information is accurate. If not proven delete this immediately. 
4. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-XXXX XXXX Date of inquiry : XX/XX/XXXX Please ensure that all information is accurate. If not proven delete this immediately. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX This is a violation of my FCRA rights. Please remove immediately 6. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX Date of inquiry : XX/XX/XXXX Please remove this inquiry from my credit report As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. PLEASE DELETE IMMEDIATELY. 
Any failure to respond without deletion of the accounts listed above and a free copy of my report after the changes have been made will result in the above actions being taken against your bureau. I will also be seeking {$1000.00} per violation.

Violation of 15 U.S Code 1666b Defamation Sincerely, XXXX
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX Balance : {$9300.00} XXXX XXXXXXXX XX/XX/year> XXXX XXXXXXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Debt collection

CFPB Date : XX/XX/year> Re : False Claims by Rushmore Services- Release of Lien Violations Dear Sir/Madam, I am writing to report a potential fraud and false claims by Rushmore Servicing XXXX Despite not being the rightful owner of a judgment, Rushmore Servicing is claiming to have a judgment and attempting to collect on it. 

This appears to be a violation of the XXXX Consumer Protection Act ( Neb. Rev. Stat. 59-1601 et seq. ) and potentially the Federal Trade Commission Act ( 15 U.S.C. 41 et seq. ). Additionally, Rushmore Servicing actions may violate the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ). 

XXXX8 U.S.C. 1345 ( Fraudulent schemes ) : This statute makes it a crime to engage in fraudulent schemes, including schemes to defraud or obtain money or property by means of false pretenses, representations, or promises. In the context of the situation, Rushmore Servicing has violated this statute by : - Making false representations about the existence of a judgment in their name - Using false pretenses to collect debt or obtain money or property - Engaging in a scheme to defraud the consumer Enclosed are supporting documents, including : - A copy of the judgment obtained by Rushmore Loan Management Services LLC - Evidence of the distinct identities and addresses of Rushmore Loan Management Services LLC and Rushmore Servicing ; - Proof of Rushmore Servicing false claims. 

An examination of the judgment reveals that it is not in the name of Rushmore XXXX, as they falsely claim. Moreover, the judgment conspicuously omits any reference to the statute of limitations, instead relying on a tenuous opinion. It is clear that the plaintiff perpetrated fraud, and the judge failed to apply the law. This case should have been dismissed with prejudice, but I note these facts solely to emphasize the seriousness of the errors that have been committed. 

The key question to ask is : Does Rushmore Servicing have a judgment in their name? If the answer is no, then it is clear that Rushmore Servicing has lied and are in violation of the aforementioned statutes. Through the evidence I have submitted, I have demonstrated that Rushmore Servicing has made false statements and perpetrated fraud. 

I request that your offices investigate and take appropriate action. 

Sincerely, XXXX XXXX CC : XXXX Department of Justice FTC CFPB
Product: Debt collection

I constantly received voice messages threatening legal affidavits and final warning before they take me to court but do n't tell me what this debt is about. they recently contacted my sister about this debt and told her that she needed to represent me in court, they left a voice message with her social security number and other information about her. she was upset and called back and told her they could not give her any personal information yet they had all of her personal information
Product: Credit card or prepaid card

On XX/XX/XXXX I applied for a XX/XX/XXXX Credit Card. I had a XXXX credit score according to XXXX XXXX and a few other free services, and a high income. In a typical application, that would have resulted in an auto-approval on the spot. I was told to wait for a letter in the mail. 

The letter was dated XX/XX/XXXX. It said that the decision not to approve me was based on information received " from one of our Citi affiliates that your relationship has been reviewed and we can no longer service accounts for you. '' According to the terms of the credit product I was applying for, the issuing bank was XX/XX/XXXX. Citi is not referenced anywhere on the application. I would not have applied for the card had I been provided information that Citi was involved in determining my status. Citi closed my account in XX/XX/XXXX without notice or reason provided. I had never missed a payment with them. XX/XX/XXXX should have informed me that account ineligibility with Citi necessitates ineligibility with XXXX as soon as I entered my social security number into the keypad. They did not however, and they subjected me to a hard credit inquiry knowing full well that they were not going to approve me for credit BEFORE they even reviewed my credit. 

Furthermore, I received no supplemental documentation informing me of my rights to request a credit report upon an Adverse Action under Regulation B with the letter.
Product: Credit card

I had applied for Wells Fargo Credit card on XXXX/XXXX/2016 which was approved and I received my credit card on XXXX/XXXX/2016, When I tried to get online access for my credit card Wells Fargo refused to provide me with online access. ( I had checking account and credit card with Wells Fargo before with online access. They had limited my online access for concern of fraud however after their extensive investigation they did not find any fraud on my side, however they said they would go ahead and close my account - because of their bad customer service and way they treated me I decided to go ahead and close both checking account and credit card, they said I could eventually open new credit card which I did apply for after a while ). Wells Fargo approved new credit card as mentioned above on XX/XX/XXXX and send me new card, however they are vehemently refusing to provide online access for me to monitor my credit card spending and activity. I spoke to XXXX ( supervisor of Fraud department Ref number XXXX ) and he refused to provide online access after acknowledging that there was no fraud on my part in the past, when I requested them to provide online access like every other banking institute he said " no you can view your activity when you receive paper statements or call in every time '' neither of which is feasible/practically way - calling them I am on hold for XXXX mintues every time and paper statements comes only once a month - I would have no way of knowing fraud charing if it happen in between - putting me a risk of identify theft and financial loss. When I told him about this and said I will file complain to CFPB, he said feel free to do whatever you want this is my decision and I am not gon na give you online access
Product: Credit reporting or other personal consumer reports

I recently filed a complaint with your department on XXXX  XXXX XXXX XXXX XXXX XXXX. My credit score dropped to XXXX. After the complaint to your agency my credit score increased to XXXX. When XXXX increased it to XXXX and not XXXX I knew right away what they were being discriminating against me. 

I made all payments on credit cards on time and my score dropped significantly to XXXX after complaining to your agency it increased to XXXX. This score is not acceptable. All of my card balances are below 30 % usage. My score should be at least XXXX. 

XXXX dropped my score XXXX points at a XXXX why did it dropped Experian increased my score to XXXX this is unacceptable. 

There are people with $ XXXX {$250000.00} in debt and their scores are way past XXXX.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. XXXX / XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO THE LAW AND MY CONSUMER RIGHTS PER FDCPA : The FDCPA prohibits debt collection companies from using abusive, unfair, or deceptive practices to collect debts from you.

15 U.S. Code $ 1681c-2 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.

It has been 30 days since i sent in my last dispute asking for re-investigation and my letters have gone unanswered and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSEN to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding this account listed be deleted IMMEDIATELY! 

XXXX XXXX XXXXXXXX ACCOUNT # XXXX
Product: Debt collection

Gatestone & Co called me XXXX on XXXX and once again on XXXX from phone number ( XXXX ) XXXX trying to contact a co-worker regarding a collection. Gatestone has the appropriate contact information for that co-worker as they have contacted him directly in the past. Gatestone should not be contacting me at work and on my work number in an effort to use me, an uninvolved party, to resolve their issue. When I called to inform them of such, they denied any knowledge or record of the calls, my name or my phone number
Product: Credit reporting or other personal consumer reports

I disputed through XXXX and XXXX, they both took less than a week to come back and say it is correct, even though I have sent information that it isn't correct. I have reached out to the original creditor who told me they sent the correct information and it's up to the credit bureaus to report it correctly!
Product: Student loan

I attended XXXX XXXX XXXX XXXX XXXX, which unfortunately closed down years ago. Since then, there have been several class action lawsuits against the institution due to its practices and the impact on students like myself. Given the circumstances and the fact that the college is no longer operational, I believe my student loans should be forgiven. The closure of the college and the subsequent legal actions highlight that students were misled and did not receive the education they were promised. Loan forgiveness would provide much-needed relief and a fair resolution for those affected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove these inquiries. I dont recognized them. I have file identity theft report. See attached. 

XXXX XXXX XXXX
Product: Debt collection

Upon checking my credit report on XXXX XXXX I noticed a listing from AMERICAN PROFIT RECOVERY that I allegedly have an open account with them that was currently in collections. On XXXX XXXX I mailed a debt validation letter to AMERICAN PROFIT RECOVERY in pursuant to 15 USC 1692g for validation of the debt, to see if they have the correct person and any evidence that owe them. On XXXX XXXX I received a response letter from AMERICAN PROFIT RECOVERY stating they their company does not have sufficient information to provide me ; meaning no proof that I owe them. This has been exhausting and time consuming between work, having to type up letters, wasting precious fuel traveling to XXXX to print the letters, purchase unnecessary stamps and envelopes and all for a alleged debt to a company cant even support their claim of owing them ... AMERICAN PROFIT RECOVERY never provided me evidence that I owe them anything and thats because I dont. 

I attached an EXHIBIT A -showing their several violations and the Cease and Desist letter I sent them on XXXX.
Product: Credit card or prepaid card

I have a credit card with chase bank and thought I was on a 3 month deferment program because right before I previously Was, it turns out I was on a 1 month. This is due to me losing my field of work in California due to COVID 19. So I received a notification from experience that I had a 30 day past due acct with chase. So I immediately tried to login to my app which usually has all my info, there was no acct info at all. So then I logged in on my computer, no acct info either. So I proceeded to contact chase bank and asked them why I wasnt notified of being late at all. I had no emails, paper mail or phone calls on a XXXX dollar acct. so they said that I was contacted under the number XXXX, which was my number 13 yrs ago when I banked with chase. I applied on had gotten this card a year and a half ago with the number XXXX. They proceeded to tell me even though they used a number thats 13 yrs old it was my responsibility to stay on top of my finances.even blink fitness calls me if Im a couple of days late. I havent been late on a payment in several years. Also because the acct is past due I cant defer the minimum payment which I need to do because I cant pay it right now. So all in all, I received no notifications from chase once so ever and cant even view acct info online or on my app which I was able to do a couple of months ago.
Product: Vehicle loan or lease

Hi, I am writing regarding a XXXX Ford XXXX that I purchased on XX/XX/XXXX in XXXX XXXX at XXXX XXXX. The VIN is XXXX. 

On or about XX/XX/XXXX, the vehicle began showing signs of engine trouble. About 3-4 days later, to the best of my memory, I took it to the shop where I purchased it and was told it needed a new engine. It was not drivable. It has been parked behind the dealership ever since. 

I purchased this vehicle specifically for my real estate business and have incurred trouble making the payments. I phone Ford Credit and they informed me there was nothing they could do. I phoned Ford Customer Service and they said they would look into it. 

I do not feel that I should have to make payments on a brand new vehicle that I can not access and that the bank and manufacturer can not provide relief to the problem. 

Please tell me who I need to speak to. 

XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, submitted a complaint to Experian that I paid my loan in full on on XX/XX/XXXX and  gave them a copy of settlement document on-line. They did not agree. so re-disputed with email from company showing the balance was paid, to include the signed settlement document. They still refused to mark the load as paid in full showing I owe over {$25000.00} on the loan. 

I have tried to put a statement on my credit report and they will not let me put a statement. The Lender has verified that I owe nothing on the loan. I have requested a letter from them as well because I do not know who Experian is speaking with in regards to this matter. It is causing me undo stress.