23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX, the sale of my deceased mother 's house closed. My brother XXXX XXXX is executor and I, XXXX XXXX am co-executor. My signature is on all of the closing documents. On XX/XX/XXXX, eight months after closing, Rushmore Loan Management Services issued a check in the amount of {$4000.00} as overpayment of the loan payoff. The check was issued in the name of " The Estate of XXXX XXXX. '' All accounts in my mother 's name have been closed as she passed away on XX/XX/XXXX. Attempts to reopen them were unsuccessful. my brother spoke with Rushmore and requested that they reissue the check as " Estate of XXXX XXXX, XXXX XXXX as executor '' and Rushmore said to send in supporting documents and to return the check, which he did on XX/XX/XXXX. Rushmore subsequently changed the account to my deceased father 's name, XXXX XXXX on XX/XX/XXXX. He passed away on XX/XX/XXXX. On XX/XX/XXXX, Imy brother resubmitted all documentation electronically and Rushmore proceeded to change the account to my name XXXX XXXX I am my brothers successor. On a weekly basis, my brother has called Rushmore to no avail. He was referred to XXXX XXXX XXXX at phone number XXXX. He never returned any calls. On XX/XX/XXXX, my brother was referred to XXXX XXXX XXXX at XXXX. XXXX XXXX agreed that the documentation supported my brother being executor. He forwarded his notes to the appropriate department and told my brother to contact him at the end of the week. He has not returned his calls. My brother has contacted Rushmore five times since then to no avail. More than a month later nothing has been done, my name is still not on the account and nearly one year after closing on the sale of my mother 's house, Rushmore is still holding {$4000.00} that should have been dispersed to the estate. I, XXXX XXXX have contacted Rushmore as well on XX/XX/XXXX and XX/XX/XXXX and explained the situation in an attempt to get some resolution and was told " it is still an open task '' and they would escalate this. I was told again that an email would be sent to the appropriate department and that I would get a follow up call. I received no such calls. This is also what they told my brother three months ago. Due to the public nature of this complaint, I have not attached any files due to their sensitive nature but am more than willing to provide them at a later date, if necessary.
Product: Credit reporting or other personal consumer reports

I contacted XXXX XXXX XXXX on XX/XX/XXXX via US Mail and via the three major credit reporting bureaus XXXX, XXXX and TransUnion to inform them of the fact that I had discovered a fraudulent account being reported by XXXX XXXXXXXX ( account reference number provided : XXXX ) on my credit reports on behalf of XXXX XXXXXXXX XXXX. I provided each of the concerned parties copies of the Identity Theft Report I filed with my local police department detailing the Identity Theft I had suffered and I specifically requested that this fraudulent account be removed from my credit files immediately pursuant to 15 USC 1682c-2. I also requested verification of the debt from XXXX XXXX XXXX, to include details about how the account was opened, what personal information of mine was utilized in the fraud in order to successfully open and/or maintain continued usage of the account, any identifiable information regarding any possible linked payment methods associated with the account which may help me to either identify the perpetrator and/or discover whether other fraudulent accounts may have been opened elsewhere using my personal information, transaction records, statements, billing addresses associated with the account, what methods are used ( if any ) to verify the information associated with the account, etc. XXXX XXXXXXXX XXXX ignored my requests and following the dispute process with XXXX, XXXX and TransUnion, erroneously concluded that the information regarding this account was verified as accurate. It is not accurate. This account is the direct result of a pattern of fraud being perpetrated by someone who managed to steal my wallet back in XX/XX/XXXX and in fact, this is the second time that XXXX XXXX has allowed this individual to open a fraudulent credit card account with XXXX XXXXXXXX XXXX  using my identity. Upon further inspection of my other credit reports with XXXX XXXX XXXX ( XXXX ) and XXXX, I also recently discovered that there were also multiple fraudulent checking and savings accounts opened in my name with XXXX XXXX XXXX as well. I had also reported those previous identity theft incidents to police and obtained replacements for my missing Virginia Driver 's License, Washington DC issued Birth Certificate, Social Security Card, bank debit cards, credit cards and other sensitive items. Despite the fact that I fully informed XXXX XXXXXXXX of these details and facts, they continue to disregard my correspondence and report this fraudulent account to the three major credit bureaus in violation of 15 USC 1682c-2 and other applicable consumer protection laws. These fraudulent credit card account entries still appear on all three of my major credit reports and the fraudulent bank accounts still appear on my XXXX  and XXXX reports.
Product: Credit reporting or other personal consumer reports

I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent several letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ).

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under identitytheft.gov clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through identitytheft.gov, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid. 

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX. XXXX XXXX ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 
XXXX 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: Credit card or prepaid card

I'm sorry to trouble you, but there seems to be a mix-up. My account, which I completely paid off in 2019, is currently marked as a collection account. 

This appears to be a misunderstanding or error, as I clearly recall paying the balance and closing this account over four years ago. 

Apologies for any inconvenience, and I hope we can resolve this issue soon.
Product: Checking or savings account

On XXXX XXXX XXXX, my chase account was locked by chase. I could not access the fund in it until XXXX XXXX, XXXX. When I call them, they told me they had the right to close my account and was waiting the department to review it. They didn't send me the check back. But currently I have run out of my money and need the money in chase to pay for my rent and food! I was about to be homeless!!! I have borrowed {$500.00} and my friends were running out of money as well. I feel so desparate!!! Help me, please!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Account No.XXXX has violated my rights -- see XXXX references below XXXX ( Client account number is XXXX. ) 15 USC 1681 Section 602A states that I have the right to privacy.

15 USC 1681 Section 604A, Section 2 states that a consumer reporting agency can not furnish an account without my written instructions and consent. 

Therefore, XXXX XXXX XXXX XXXX has violated my right to privacy by furnish my account info without my written instructions and consent. 

Thank you. 
XXXX XXXX XXXX email : XXXX XXXX
Product: Debt collection

XX/XX/year> company name is XXXX XXXX XXXX XXXX. Amount is {$1600.00}, Ive contacted the company to provide me with the validation of debt, requested the name of the original application with my signature on it, payments history and verification that XXXX XXXX XXXX XXXX has permission to collect on this so called debt. I requested all to be sent to me by mail and they said can not do that.
Product: Credit reporting or other personal consumer reports

I would like to dispute these negative accounts on my credit report. 

XXXX : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number : XXXX {$690.00} XX/XX/XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX {$550.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$45000.00} XX/XX/XXXX XXXX  XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX  Account Number : XXXX {$690.00} XX/XX/XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX {$550.00} XX/XX/XXXX XXXX XXXXXXXX Account Number : XXXX {$530.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$45000.00} XX/XX/XXXX XXXX  XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX TransUnion : XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number : XXXX {$690.00} XX/XX/XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX {$550.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$45000.00} XX/XX/XXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX {$0.00} XX/XX/XXXX
Product: Debt collection

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX | XXXX Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists. 

Please DELETE the following account from my consumer report as it is not mine. 

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

I set up auto pay at the beginning of my loan with TD Auto finance in XX/XX/XXXX. 
I called to finalize on XX/XX/XXXX, knowing I only had a few payments left. The representative advised that I had been 30 days late for the entire loan, which amounts to several XXXX XXXX. I never received a phone call from TD, neither did my son, who is the co-signer. I never received an email or a letter. They stated the phone number they had was incorrect for me in their system. It was off by one digit, which if you XXXX my name comes up correctly. Very easy to find me. I have had the same phone number and address for nearly 30 years. They never attempted to call my son. They admit they never sent any correspondence or emails. They have my correct email and address. My payments have been pulled from my checking account every month, so I have no reason to think I was overdue. They did not make any reasonable attempt to contact me. They are not willing to make any concessions at all. I should not be held responsible for their error. I spoke to 5 different people, and was unable to get any resolution. I have excellent credit and regularly check my report. I have never been reported late by TD or anyone else. I most certainly would have corrected the confusion had I known about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus never did a proper " investigation '' according to the FCRA. 

The term " investigation consumer report '' means a consumer report or portion thereof which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtains through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They did not do this.

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report The Credit Bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reposted is not accurate. This ground for removal.

They also violated the law because according to 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 I did not give anybody written Instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, also have been affected by the XXXX Data Breach on a federal and state level. The following accounts are accounts that I have been affected by : XXXX XXXX XXXX # XXXX, TN Child Support # XXXX, TN Child Support # XXXX, XXXX XXXX XXXX # XXXX and XXXX # XXXX.
Product: Payday loan, title loan, or personal loan

This company is making the principal on repayment extremely small and charging a {$170.00} finance fee so that youre only paying an extremely small payment towards the original loan. Is this even legal?????
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing my address multiple times and they say the remove it and come and it's still there. My address is XXXX XXXX XXXX XXXX XXXX XXXX, ny XXXX. Experian has proof of this information. All does other address according to USPS AND REAL ESTATE DATA DOES NOT EXIST OR NOT VALID. IF A CORRESPONDANCE WAS SENT TO THis OTHER WRONG ADDRESSES I WILL NEVER GET MY MAIL. 
Remove the addresses immediately. I am super tired of disputing this.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion reported misleading information and they trespassed my rights of privacy. They have failed to do their GRAVE RESPONSIBILITY which is to ensure fairness, impartiality, and a respect for the consumer 's right to privacy. This is a direct violation of federal law. Their negligence has caused me XXXX  and I'm seeking litigation.
Product: Debt collection

Received a call this morning on my phone number for my elderly mother. They stated she had debts owed. 
I told them, this is my cell phone, not hers and hung up. We have been getting a lot of elderly scams going on. 
I back traced the number and found that it was listed as two things, aggressive debt collection and scam. 
I then traced to the company name and called them. When a representative answered, I asked why they were calling my number for my elderly mother, he said she must have debts to pay. This is incorrect, my mother has been debt free for quite a few years. 
I asked how much debt was owed and was asked if I had Power of Attorney, I am not. When I stated that their company called me, and if they were willing to do that, they should be willing to discuss the debt with me. He refused, at that point I blew up on them and informed them I would be filing with the CFPB.
Product: Credit card or prepaid card

My Santander Bank credit card statement included a purported charge from XXXX dated XXXX XXXX, XXXX, in the amount of {$190.00}. Since I never got a ticket from XXXX and never rode on XXXX, I attempted to question XXXX about this charge. But XXXX did not respond to my email. I then began to dispute the charge with Santander, including writing a letter to its chairman, but I did not receive a remotely definitive substantiation of the charge until Santander sent me a letter dated XX/XX/XXXX ( 8 months after the purported transaction ). Santander included internal XXXX screenshots, which were difficult for a XXXX  employee to interpret. After reviewing the screenshots in a conversation with XXXX, I am now willing to pay the {$190.00} principal, but Santander informed me on XX/XX/XXXX that it will only accept payment of the entire balance, including {$190.00} principal, interest and fees, totaling {$410.00}. I believe I should only be liable for the {$190.00} principal, plus interest from XX/XX/XXXX since Santander was only able to validate the charge on XX/XX/XXXX, eight months after the fact.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX Balance : {$280.00} DPT ED/XXXX XXXX Balance : {$1500.00} DPT ED/XXXX XXXX Balance : {$2200.00} DPT ED/XXXX XXXX Balance : {$1500.00} DPT ED/XXXX XXXX Balance : {$2200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX an account was opened and i was approved for {$300.00} credit limit. XX/XX/XXXX I order a cease and desist and a letter to verify who is the original creditor, but I received no response. I also sent an sent an invoice with federal law violations that target violated and never received a response. Also my card is froze and unauthorized information has been added to my credit report. 15 U.S.C. 1681b ( 2 ) states that consumer reporting agencies shall not report any information unless the consumer gives written instruction to do so. I haven't given any written consent to report anything positive or negative on my consumer report.
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 anc address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redres for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX disputes have been sent through the year of XXXX ; and recently still being updated XX/XX/XXXX and XX/XX/XXXX ; as if my disputes and pointing out several violations never existed. This is my last attempt pointing out these inaccuracies before taking legal actions. On ALL XXXX XXXX XXXX XXXX accounts multiple inaccuracies and violations continue to happen on a monthly basis and destroy my credit! 

XXXX ) XXXX XXXX XXXX ( a ) accuracy and XXXX of credit reporting has been violated MUlTIPLE times XXXX ) XXXX XXXX XXXX protection of nonpublic personal information has been violated on multiple occasions. 

XXXX ) XXXX U.S.C XXXX Obligations with Respect to Disclosing Information, I have never received the XXXX disclosure forms this law states I am suppose to have received XXXX ) XXXX XXXX ( a ) duty to provide notice of delinquency of accounts It is to notify the agency of The alleged delinquency date on the account, which shall be the month and the year. IT DOES NOT STATE to CONTINUOUSLY REPORT MONTHLY and yearly! 

XXXX ) Also, according to the IRS charge offs are considered gross and ordinary income and you are to receive a XXXX from any alleged debt that is above {$600.00}, I have not received this for any XXXX XXXX XXXX XXXX account, So why are these alleged charged off accounts still reporting as debt on my credit report? 

These disputes are not to inform if the alleged XXXX  belongs to me it is to point out that these consumer reporting agencies have been in violation on multiple laws and has not been accurate and fair according to the FCRA, and they are allowing these accounts to continue to cause me distress and ruin my credit report! In XX/XX/XXXX, I asked for proof of verification, including the method of communication, documentation used to verify, to whom they spoke with, the date, what number did they call, the creditors address, what position did the person that they spoke with works? That has been longer than 30 days ago and I have yet to receive that! I asked that if they could not provide that to delete all of these XXXXXXXX XXXX XXXX XXXX accounts off of my report because it seems like their reinvestigation is computerized Or just telling me, the information is accurate!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a Bankruptcy on my credit file, and the bureaus are claiming that they verified that the bankruptcy is reporting accurately through XXXX XXXX. 

I demand XXXX XXXX provide me with their METHOD OF VERIFICATION for how they verified that the alleged bankruptcy is reporting accurately. According to the FCRA, they must request verification from the ORIGINAL CREDITOR. 

In compliance with the FCRA 15 U.S.C section 1681 et seq, i request that they re-investigate the account they are reporting to verify its accuracy. 

Failure to verify this information within the required timeframe as outlined by the FCRA i ask that they subsequently remove this record from my XXXX XXXX riskview report. 

ACCORDING TO THE BANKRUPTCY COURT WHOM IS THE ORIGINAL CREDITOR THEY DO NOT PROVIDE THIS INFORMATION TO XXXX XXXX BECAUSE XXXX XXXX IS UNABLE TO VERIFY THIS INFORMATION I REQUEST THAT XXXX AND EXPERIAN DELETE THIS INFORMATION FROM MY CREDIT REPORT AS WELL.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX