23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have been on hold for 1.5 hours trying to cancel my credit card. Thirty-five minutes into the call I did get connected to a representative only to be told that I must be connected to a " specialist '' in order to close the account. It has been an hour and a half and I am still on hold on the call.
Product: Mortgage

Honestly, CFPB, I am thankful you exist to turn to when not receiving reply from the servicer, SLS. ( Specialized Loan Servicing ) Included herewith you will find my TIMELINE of calls made to SLS one XXXX XXXX without reply or ability to speak with MS XXXX albeit she was on the line with the representative with whom I was speaking. 
Then calls to SLS Included please find my emails with enclosures of photos of the soaking wet damaged XXXX parcel from SLS XXXX XXXX with NO REPLIES. 
NONE. 
Even the email with sujbect line marked URGENT URGENT URGENT had been ignored, it appears. 

# 1 ) What was in the SLS XXXX envelope? 

# 2 ) What is the result of the SLS ordered agent XXXX? 

# 3 ) Why is no one calling back or emailing or REPLACING THE XXXX  that was damaged ( again, photos enclosed )  # 4 ) What is happening with the NEW SHORT SALE resubmitted, as requested by SLS with ALL documents provided as requested?

# 5 ) We need answers so as NOT TO HAVE the SHORT SALE EXPIRE AGAIN as it has in the past.

PLEASE know this is unbelievable as SLS has a staff with departments and people to handle their emails, calls and requests. 

This is my FULL TIME JOB just trying to get through to SLS or get answers to my questions cited above. 

I'm certain you are tired of hearing from me and I am not delighted to have to bother you again, but, again, I am thankful there is somewher to turn.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XXXX of XXXX I submitted multiple letters to Experian, XXXX and XXXX to please investigate and show me proof and validation of the items reporting on their Credit reports with my identity. To this day, nothing has been furnished or provided to me with proof of debts and amounts they illegal report to the world, when I apply for credit which is negatively impacting my personal life. Here is sample of the letter : Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 
Item Number Company Name Account Number Comments XXXX XXXX XXXX -please delete and remove this account from your report..XXXX  XXXX XXXX XXXX please delete and remove this account from your report XXXX XXXX XXXX XXXX please delete and remove this account from your reportXXXX XXXX XXXX XXXX- please delete and remove this account from your report - XXXXXXXX XXXX XXXX XXXX- please delete and remove this account from your report- XXXX XXXX XXXX, XXXX- please delete and remove this account from your report- XXXX XXXX XXXX bank card services- please delete and remove this account from your report- XXXX Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter. 
Sincerely, XXXX XXXX
Product: Debt collection

I have not supplied proof the doctrine of estoppel by silence. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Product: Credit card or prepaid card

Navy Federal Credit Union issued my wife a credit card under my account in XX/XX/XXXX while I was on XXXX on a XXXX. I did not add her as an authorized user and had no ability to do this as I was disconnected from the outside world. When she used this card for the last time in XX/XX/XXXX I reported it as fraud and they removed that specific charge but they will not acknowledge all of the other charges as fraud. These charges are as follows : XX/XX/XXXX - {$37.00} XX/XX/XXXX - {$350.00} XX/XX/XXXX - {$33.00} XX/XX/XXXX - {$15.00} XX/XX/XXXX - {$12.00} XX/XX/XXXX - {$27.00} XX/XX/XXXX - {$12.00} XX/XX/XXXX - {$45.00} XX/XX/XXXX - {$27.00} XX/XX/XXXX - {$23.00} XX/XX/XXXX - {$39.00} XX/XX/XXXX - {$24.00} XX/XX/XXXX - {$69.00} XX/XX/XXXX - {$75.00} XX/XX/XXXX - {$150.00} XX/XX/XXXX - {$360.00} XX/XX/XXXX - {$41.00} XX/XX/XXXX - {$27.00} XX/XX/XXXX - {$14.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$56.00}
Product: Money transfer, virtual currency, or money service

I got a job babysitting and the woman asked to send me a check which was to be sent to her daughters birthday party vendor through paypal. once it was sent, it switched to euros and she was XXXX  me to cancel it. i knew then it was a scam and she is a sort of criminal having me send someone random money. When going to bank today, i saw the check was returned and I now am XXXX  XXXX in my account with a toddler as a single mother. i need the money back and transaction cancelled ASAP. ( she asked me to send it because she said she is in new zeal and ).
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity theft is registered with the FTC # XXXX. 
My ongoing dispute regarding Reported as # XXXX XXXX XXXX joint mortgage It was stated originally XX/XX/XXXX as XXXX XXXX XXXX FLORIDA AT {$950.00} PER MONTH on XX/XX/XXXX paid off XX/XX/XXXX and XXXX did the dispute investigation and XXXX changed it to report # XXXX joint mortgage XXXX  XXXX XXXX XX/XX/XXXX PAID OFF XX/XX/XXXX. 
I finally have the evidence of my claims against XXXX  XXXX XXXX. 
The attached 2 letter from XXXX THRU THE CFPB ongoing complaints star officially as follows XXXX XXXX XXXX my complaint cfpb response to two people not just me addressed to XXXX and XXXX XXXX XXXX XXXX XXXX  XXXX XXXX nc XXXX states yes there was a joint # XXXX mortgage XX/XX/XXXX paid off XX/XX/XXXX HERE IS THE FRAUD PROBLEM DONE on my US legal name XXXX XXXX XXXX REGULATORY commission celebs XXXX second letter of XXXX of my ongoing complaints states that there was a SEPERATE BANK NOTE ( not original mortgage ) for a XXXX XXXX  XX/XX/XXXX PAID OFF XX/XX/XXXX. THIS IS A FORGERY AND FRAUD DONE ON MY US LEGAL NAME .AND that there were numerous other fraud loans for XXXX XXXX  forgeries in my name THAT WERE NOT MINE. My claims of the disputed # XXXX has been finally proven XXXX and Equifax and XXXX it was a XXXX for XXXX XXXX at approx {$680.00} per month XX/XX/XXXX paid off XX/XX/XXXX. Please investigate and correct My only loan XXXX and XXXX XXXX for XXXX XXXX XXXX  XXXX XXXX nc XXXX was a XXXX XXXX XXXX  XXXX XXXX XXXX XXXX VA FOR APPROX 90 K as per. The attached good faith statements from XXXX which shows fraud by someone else 's initials on another app of some kind and XXXX loan app XXXX. 
NOTE MY CLAIMS of THE ADDITIONAL fraud forged loans of XXXX XXXX   each with my name attached will be discovered eventually with the Cfpb assistance # XXXX registered with MERS and a line of credit XXXX XXXX XXXX # XXXX on XXXX XX/XX/XXXX report. I request another reinvestigation due to new evidence and it is stated by XXXX themselves thru the 2 cfpb responses from my ongoing complaints regarding this situation.. finally in XXXX it is clear note I did not receive these XXXX letters until late XX/XX/XXXX and was stated by XXXX  they were sent alit earlier ..I reported the us mail problem again at that time to the federal law enforcement usps online. I am requesting from XXXX  THE SIGNATURES AND LOAN OFFICER AND LOCATION OF WHAT XXXX.. where the stated XXXX XXXX BANK NOTE WAS ISSUED
Product: Debt collection

Experian is reporting 7 collection accounts which are negatively affecting my credit score. Dispute letters have been sent asking to verify the debt and no proof has been provided. Please see below the following accounts in question : XXXX XXXX XXXX  Unknown - credit extension, review, or collection with account # XXXX opened on XX/XX/XXXX and a balance of {$260.00}. 
I previously disputed this account and it was never verified by the creditor but its still on my credit report. 
USDOE/XXXX  XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 
Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$330.00}. The original creditor is XXXX XXXX XXXX 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it. 
Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$940.00}. The original creditor is XXXX XXXX XXXX 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it. 
Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$830.00}. The original creditor is XXXX XXXX XXXX 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it. 
Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$950.00}. The original creditor is XXXX XXXX XXXX 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it. 
Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$500.00}. The original creditor is XXXX XXXX XXXX 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it. 
Collection account from XXXX XXXX with account # XXXX and a balance of {$2200.00}. The original creditor is XXXX XXXX XXXX XXXX XXXX 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it. 
Please re-investigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my countless attempt to file a complaint and tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 the EQUIFAX. I sent them a letter and called them even regarding the alleged debt of the account reflected in my credit report wherein I was never notified of this alleged debt. Under the CFPBs new Debt Collection Rule that become effective XXXX XXXX XXXX this collection agency is illegally reporting an unsubstantiated debt and never provided proper notice before reporting. 

My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction. 
I have included my FTC report with the number XXXX as proof of this complaint.
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. 


Account name : XXXX Account NumberXXXX Account name : XXXX XXXX Account Number:XXXX  Account name : XXXX XXXXXXXX Account Number:XXXX Account name : XXXX XXXX Account NumberXXXX has violated my rights. Or list of inquiries 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 LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Incorrect Name - XXXX 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 XXXXXXXX
Product: Mortgage

I was behind on my mortgage by alot. PHH mortgage offered me a loan modification in XXXX XXXX to begin payment on XX/XX/XXXX XXXX. It was a 3 month trial payment. House was scheduled for foreclosure in XXXX XXXX XXXX. Was pushed ahead and ahead. I made my 3 consecutive payments XXXX, XXXX, and XXXX @ {$3000.00}. No payment for XXXX as this was the new loan origination date. I paid XXXX mortgage at the same {$3000.00}. PHH mortgage says they sent out final modifications agreements that were to be returned XXXX. I didn't receive the initial mailing of modification. PHH contacted me by phone and then sent bit via email. Mailed back original modification on XXXX they still foreclosed on my house on XXXX @ XXXX. I made all payments required under the trial payment plan and still foreclosed citing they didn't receive the signed modification agreement. Spoke with PHH on XXXX and was told there was no foreclosure taking place.
Product: Debt collection

On XXXX/XXXX/XXXX I sent a letter Certified mail # ( XXXX XXXX XXXX XXXX XXXX ) to Capital Accounts LLC for valdidation of debt and HIPPA authorization. 

I requested that Capital Accounts provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Capital Accounts have not complied to this request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue. 

____________________________________________________________________________________________
Product: Debt collection

Rec 'd a call at work from Lamont Hanley and Associates, for XXXX. I told them it is illegal to call me at work. XXXX ext XXXX
Product: Debt collection

I was taken to court by XXXX XXXX for non payment of rent and eviction. And the amount that is said I havent paid is a lie. Its nowhere close to it. I didnt pay one month of rent. I even showed the judge proof that I paid the rent I was lied on. So this is false information reported on me & ruining my credit report. This landlord has had so many complaints on her about the same issue and other things. This happened in XXXX. I have a debt collection of XXXX
Product: Debt collection

I was notified by a BMW sales person when I attempted to buy a car at the dealership that BMW Financial Services states I have defaulted on a previous loan, when in fact I was a noted victim of identity theft in XXXX- XXXX. I have ONE VALID loan with Bmw in the past and that loan was paid in full and in good standing. when I first noticed the fraudulent second loan in my name I notified BMW and nothing was done. Now that I am ready to purchase another vehicle from BMW I am being denied a loan for a previous defaulted loan that was not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX - XX/XX/XXXX ( I do have a credit card with them that was opened on XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX - ( XXXX XXXX has confirmed this is Fraud - This is not attached to my credit card opened on XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX - This company has confirmed this is a fraud account - but has yet to remove the inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT NAME : XXXX  XXXX XXXX POTENTIALLY NEGATIVE MONTHS Credit usage 100 % Balance {$1200.00} Balance updated XXXX XXXX, XXXX Credit limit {$1000.00} Account info Account number XXXX Open/closed Closed Date opened XXXX XXXX, XXXX Account type Revolving ON THE 3 CREDIT BUREAS THE DATE OPENED /DATE CLOSED /LAST PAYMENTS DATE /AMOUNT OWED ( BALANCE ) AND ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUND FOR REMOVAL THIS ACCOUNT IS FRAUD N ACCORDING TO THE 'FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD SHALL BE REMOVED FROM THAT CONSUMERS CREDIT REPORTS WITH IN 4 BUSINESS DAYS OF THE RECEIPT OF FRAUD!!!! 


RESPONSE DISPUTE! 

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT IT IS NOW XX/XX/XXXX XXXX XXXX more than 30 days!!! 

15 U.S. C ode 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 results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

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 und 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 CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX and XXXX XXXX XXXX, XXXX, MO, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 
Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 
Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a  litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 


I demand the following accounts be verified or removed immediately. 

Dept of Ed Account XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX   Account XXXX US Bankrupt Court Account XXXX Account XXXX XXXX XXXX XXXX Account XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX is telling me that Capital One Bank USA did a hard inquiry on my credit score. Date of inquiry says XX/XX/2024. I have not applied to any sort of credit or loan application with capital one. I am worried that someone has stolen my identity and opened a credit card in my name.