23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained 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. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within XXXX  days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a demand to update the payment history on My student loan according to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or Department of ED/XXXX** ) such authority.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fare credit reporting act XXXX account # XXXX, have violated my rights. 
15 usc 1681 section 602 states I have the right to privacy.

15 usc 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 usc 1666B : A creditor may not treat a payment on a credit card under a open end consumer credit plan as late for purpose.
Product: Mortgage

Rushmore Servicing has told us in numerous phone conversations that Since XX/XX/2023 XXXX XXXX AND XXXX XXXX XXXX have been apparently BOTH have Foreclosure Files against the Rushmore Servicing account. Not only have these fees been duplicated against the account, they never should have begun in the first place as we never received any Notice of Intent to XXXX XXXX as required by XXXX XXXX. When we contacted XXXX XXXX to question them about the Foreclosure legal fees and why they even have a Foreclosure Filing along with XXXX XXXX XXXX, who quietly cancelled the Foreclosure complaint with XXXX XXXX and never notified us by mail or server on XX/XX/XXXX. XXXX XXXX refused to speak to us and only would say Errors have been made and we need to speak to Rushmore Servicing about them and the Foreclosure file has been closed as of XX/XX/XXXX. However, Rushmore continues to state the Foreclosure is active while still refusing to answer our request for a breakdown of line items of all fees for legal and maintenance which we believe were either duplicated or never took place causing us to not be able to pay any alleged monthly balance as the figures are never correct or truthful.
Product: Credit card or prepaid card

I have ben with capital one for over 19 years. have 5 cards with capital one. opened up cards in XXXX XXXX 19 years of on time payments. not one payment late ever in 19 years. also my credit report has me reported as 25 years of on time payments. never late once in 25 years. I have been trying for 19 years to get capital one to give me one credit card increase .on just one of my cards let alone 5. I have tried over 8 times in my 19 years. just tried again on XX/XX/XXXX every time it has ben one excuse after another. the last time they told me the economy was bad at the time. I told the super visor. I have ben a retired XXXX  for over 25 years. and the economy does not affect me like a lot of people. she told me the economy affects every one including her hung the phone up on me. on XX/XX/XXXX was sent 5 letters from capital one. I was denied a credit in crease because your average monthly payment is to low .and my finical obligations are to high come on 19 years of not one late payment on 5 cards with capital one. I give up .and just will not stand anymore excuses from capital one. they have treated me like XXXX and pretend to not care abought me or my 19 years of on time payments. I have such longevity on my credit report with the 5 cards if I cancel them out my credit scores will be a mess. I aso have a XXXX credit score right now. and have ben told buy my CFP my scores should be above 800. capital one has kept me from getting my 800 credit scores to stay at XXXX to XXXX because of no credit card increase in 19 years. please help me with this company
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to Experian and XXXX on XX/XX/22, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If they do not authenticate these accounts, I will take legal action against them. Please abide by the law in order for this matter to be resolved promptly. XXXX XXXX XXXX Balance : {$15000.00} ; XXXX XXXX Balance : {$34000.00}
Product: Credit reporting or other personal consumer reports

These are Wrong on my credit report I Should have no late payments to my file. I want these to be change to on time payments, and these need to be change within 30-45 days I DEMAND PROOF OF VERIFICATION WITHIN 30-45 DAYS, IF NOT? YOU WILL BE VIOLATING MY CONSUMER RIGHTS!

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

( These is the follow law that been broken during this span ) 15 U.S. Code 1681a-Definitions ; rules of construction | U.S. Code | US Law | Lil/Legal Information Institute 15 U.S. Code 1681s-2-Responsibilities of furnishers of Information to consumer reporting agencies ( a ) Duty of furnishers of Information to provide accurate Information 1 ) Prohibition ( A ) Reporting Information with actual knowledge of errors 15 USC 1681a 2 ( A ) ( 1 ) - EXCLUSIONS-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any-report containing information solely as to transactions or experiences between the consumer and the person making the report.
Product: Payday loan, title loan, personal loan, or advance loan

I paid XXXX dollars a XXXX  for a XXXX dollar loan for over XXXX XXXX and price never dropped I called them and they told me I pay the interest XXXX  before paying on the loan but the amount kept increasing while I was paying on it and was informed loan wouldnt be paid off tell XXXX I could not afford to pay over XXXX dollars for a XXXX dollar loan and tried to decrease payments but they refused it is an impossible loan to pay back
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX Equifax and did a dispute for a bankruptcy that was reporting in my public records, the bankruptcy is labeled as dismissed for XX/XX/XXXX case XXXX, WHEN THIS CASE WAS NOT DISMISSED IT WAS CLOSED WITHOUT A DISCHARGE. I MAILED THE INFORMATION IN AND IT WAS IGNORED BY XXXX. STATING THAT THE INFORMATION WAS VERIFIED AS ACCURATE, BUT IF IT WAS VERIFIED THEY WOULD HAVE SEEN IT WAS NOT DISMISSED IT WAS CLOSED, DUE TO I HAD JUST RECEIVED A XXXX XXXX  DISCHARGE IN XXXX WHICH THAT IS REPORTING CORRECTLY.
Product: Debt collection

Equipment was returned. This collection agency keeps calling. They also illegally keep reopening this XXXX to 5 year case as though it occurred in 2016.
Product: Credit reporting or other personal consumer reports

I am writing to address a matter of utmost urgency involving several FRAUDULENT, INACCURATE, UNVERIFIED AND ERRONEOUS REVOLVING ACCOUNTS on my credit report, which have been erroneously linked to my identity. Upon a comprehensive review of my credit report, I have identified the following erroneous accounts : XXXX. XXXX XXXXXXXX XXXX Account Number : XXXX XXXX Balance : {$1900.00} Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Balance : {$6600.00} Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Balance : {$9600.00} Date Opened : XX/XX/XXXX I must emphasize that these accounts are not associated with me and are a result of identity theft, a situation that is both distressing and deeply concerning. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) enforced by the Federal Trade Commission ( FTC ) and applicable privacy laws to request the immediate removal and Block of these erroneous entries. 

Furthermore, I wish to draw attention to the urgency of this matter. According to the FCRA and other pertinent privacy regulations, erroneous information must be rectified within a reasonable time frame. Given the gravity of this situation, I kindly request that these accounts be expeditiously removed from my credit report within four days mandated by law. 

I thank you in advance for your immediate attention to this serious issue. I trust that you will uphold the commitment to consumer rights and privacy laws in rectifying this situation.
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam, This letter is a follow-up to my previous correspondence regarding the inaccurate information on my credit report related to the XXXX account ending in [ XXXX  ]. I submitted a dispute through the CFPB portal and recently received your response. 

In my dispute, I mentioned that the information was inaccurate and violated the Fair Credit Reporting Act ( FCRA ) due to the following reasons : Missing Pre-Reporting Notice ( FCRA Section 623 ( a ) ( XXXX  ) ) : I never received any pre-reporting notice before XXXX charged off the account. 
Inaccurate Information ( FCRA Section 1681s-2 ( a ) ( 1 ) ) : The address listed ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ) is not an address I have ever lived at. Similarly, the phone number provided ( XXXX ) is not a phone number I have ever used. 
Furthermore, I am writing to bring to your attention that XXXX, another credit reporting agency, has already investigated and removed this very same XXXX account from my XXXX report after I submitted a dispute. I have attached a redacted copy of my XXXX report for your reference. This clearly shows that XXXX cooperated with XXXX 's investigation and the account was subsequently deleted. 

This discrepancy between XXXX 's findings and TransUnion 's verification process raises concerns about the accuracy of the information on my TransUnion report. Considering these facts and the potential violations of FCRA Sections 623 ( a ) ( 7 ) and 1681s-2 ( a ) ( 1 ), I urge you to thoroughly reinvestigate this dispute.

I am fully committed to cooperating with your investigation in any way necessary. Please let me know if you require any additional information from me. 

I request that TransUnion : Reinvestigate this dispute considering the new evidence provided ( redacted XXXX report ). 
Contact XXXX again to verify the information and inquire why they reported differently to XXXX. 
Remove the inaccurate information from my TransUnion report if the investigation confirms the violations. 
Thank you for your attention to this matter. I expect a response from TransUnion outlining the results of your reinvestigation within 30 days of the date of this letter, as outlined in the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Dispute of Civil Liability for Negligent Non-Compliance Experian, equifax , transition, Fico I am writing to formally dispute the claim regarding civil liability for negligent non-compliance referenced under section 6081o. After careful review of the circumstances surrounding this matter, I believe that the claims made against me are both unwarranted and incorrect. 

I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. 
Many of these accounts fall under the statute of limitations or are misreporting on my credit report.

Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat.

2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) I dispute all claims and I am requesting deletion and validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA.
Product: Checking or savings account

I called the XXXX  number on the letter I received about a new account that I did not open. 

I was sent to about five different people who were supposed to be fraud account employees. They were asking for personal information to best address the issue. After a while it began to seem suspicious to me but only after I gave some personal info. 

They may have been legitimate but it all seemed weird after I hung up. 

The claim they have put a freeze on the account and that they would send a confirming email. Almost a day has gone by and I have not received a confirming email.
Product: Debt collection

I requested Experian to do an investigation on the following accounts. I feel as if they did not properly investigate. I received a response back stating it had been updated back in XXXX of 2024. I was not made aware of the findings. They just listed it under reinvestigation Info dispute in XXXX XXXX I do not feel kind they did their due diligence when I requested an investigation. 

Experian Investigated the following accounts XXXX. XXXX charged XXXX XXXX XXXX reported invalid dates 7 times & stated reinvestigation XXXX dispute in XX/XX/year> XXXX. XXXX charged off $ XXXX reported invalid dates 7 times & stated reinvestigation XXXX dispute in XX/XX/year> XXXX. XXXX XXXX charged off $ XXXX invalid dates 7 times & stated reinvestigation XXXX dispute in XX/XX/year> XXXX. XXXX XXXX charged off $ XXXX invalid dates 7 times & stated reinvestigation Info dispute in XX/XX/year> XXXX. XXXX XXXX charged off but account has had a {$0.00} balance. 
XXXX. XXXX XXXX XXXX XXXX XXXX & no status report. Shows no payment history available. States account in dispute under XXXX XXXX Billing Act. With no other explanation. 
XXXX. XXXX Bank XXXX charged off $ XXXX reported invalid dates 7 times & stated reinvestigation XXXX dispute in XX/XX/year> XXXX. XXXX XXXX XXXX charged off $ XXXX reported ND on XXXX month & others are marked as XXXX reported invalid dates 7 times & stated reinvestigation Info dispute in XX/XX/year> They have marked several more of my accounts with this same statement reported invalid dates 7 times & stated reinvestigation Info dispute in XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed information being reported on my credit report with this company Caine & Weiner, XXXX XXXX XXXX, XXXX XXXX, CA XXXX, And stating is from XXXX XXXX by XXXX XXXX XXXX office. However I did not owe anything to XXXX XXXX. My policy was switched over when I relocated to another state. If I had old any money on the account then they would not have to provide me car insurance in another state. XXXX what I had said to pay what was owe back in the state of New Jersey   before we could give you insurance in the state you're in now. I never heard of this company that is reporting this on my credit report. I also never received one letter from this company. I have no idea who this company is. I also had contacted XXXX on regards to the matter. XXXX is stating they see that I had paid off everything that was old. Did my policy got switched over to another state. They can not understand what is going on. I feel like I'm unfair report anything if I have relocated to another state a long time ago and never got the information. 

Below is my information from New Jersey. Name is XXXX XXXX, XXXX XXXX XXXX XXXX XXXX New Jersey zip XXXX
Product: Consumer Loan

I am currently behind on a loan with Regional Finance in XXXX. I left my job for another and was promised more money at the new job and that did n't happen. When I went into the office, like I had promised to do, to talk about getting my loan caught up, I was told to take all mine and my boyfriend 's money, pay all my bills ( as in get everything caught up ) let his car payment with XXXX fall 3 months behind and then leave him and move back in with my mom. Now I do not have a bad relationship in my personal life but giving advice like that is not okay. So I was informed if I do not make a payment by Friday then they would continue with collections. That is fine but they do not need to constantly call my work, I have a personal phone and if they can not reach me there then they do not need to constantly contact references more than once in one day. That is not how a loan company works.
Product: Credit card or prepaid card

In XX/XX/XXXX someone fraudulently used my Citi Bank XXXX XXXX credit card to make purchases at XXXX and XXXX. I have never used these websites, or even heard of XXXX prior to this. From XX/XX/XXXX to XXXX, there were approximately XXXX transactions on the card totaling {$33000.00} by my calculations. Citi bank never informed me of these fraudulent charges despite how many there were. It was only after I checked my balance online did I see the charges and notify them. I also immediately notified XXXX. 

I was asked to be patient by Citi and was told it could take two or three billing cycles to resolve the issue. I have not received any communications from Citi or XXXX to keep me informed as to the progress. All that I've been told from Citi was that the investigation is closed and resolved via email. It does appear that there are credits on the account of {$38000.00}. I have no idea why that amount does not coincide with the {$33000.00} in fraudulent charges. 

My issue now is that I still have a balance on the card in excess of {$14000.00} and the XX/XX/XXXX statement shows approximately {$18000.00} in new charges from XXXX dated XX/XX/XXXX through XX/XX/XXXX that have post dates of XXXX and XXXX. These are duplicate charges that now appear as a balance. I was told by a representative in the Citi fraud dept on XX/XX/XXXX that those are rebilled as there are duplicate credits on the account from Citi and XXXX that need to be rectified. As you can see, this is extremely confusing and the card statements are impossible to follow and add the transactions correctly. I am not a forensic accountant! I have gotten no help from Citi either. I attempted to contact customer service last week and was on hold for over two hours before I finally hung up. I understand that staffing is down with the current Covid19 situation, but frankly, that is not by problem and this situation should have been resolved before now anyway. 

I have been patient for over three months and still have a balance on my card over {$14000.00} that is incorrect. My credit score has been affected and this is all through no fault of my own. Frankly, the onus is on Citi as their security dept should have frozen the account way before XXXX transactions went through. They have made minimal effort in fixing this and clearing my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying to update and dispute the address and name on my credit report since XX/XX/XXXX. I reached out again XX/XX/XXXX because every time I apply for credit it comes back that equifax is frozen, I haven frozen anything and the address they have on file is not mine. I reached out again to dispute online XX/XX/XXXX and no response yet and their process is 3-5 business days and within 30 days they will send me a letter in writing. I don't have 30 days. I need my credit information today. I reached out again only to go through authentication and pass but still can't update my information, i faxed over documents again today. Equifax said they received the current address which is a NJ address from lenders which is impossible because i live in GA and no lender and XXXX  and XXXX XXXX have the NJ.
Product: Credit reporting, credit repair services, or other personal consumer reports

i checked my credit report and noticed that XXXX  XXXX was reported as closed. My account is still open and in good standing. Why is it reporting closed? I have tried to submit a dispute with XXXX, XXXX  and Transition to get the account status updated to Open.