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

I'm not sure how many letters I've sent your bureau to inform you that I was a victim of identity theft, as my concerns remain unresolved. Once again, I am disputing the fraudulent information that is damaging my file. 
Despite sending the required FTC complaint, your bureau continues to report this fraudulent account on my credit report. I have contacted the associated banks, submitted the necessary documents, and they have promptly deleted this account from their records. 
XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Inc. 's systems were struck by a cyber-attack that may have affected about 143 million U.S. customers of the credit reporting agency. Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers. 

After using Equifax 's link www.equifaxsecurity2017.com on XX/XX/2017, it was confirmed " your personal information may have been impacted by this incident. '' Equifax allowed my information to be divulged without my consent. Equifax used my report improperly.
Product: Debt collection

I reach out to DIVERSIFIED CONSULTANTS after I saw a negative account on my credit report. I stated to them that I never had an XXXX XXXX XXXX account. Here 's the letter I sent them. 

To Whom it may concern, Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : 1. Any documents showing I own this account. ( I never had AT & T ).

2. Proof that you have the right to collect this debt in my state.

3. Proof that your company carries a bond.

4. Proof that the Statute of Limitations has not expired.

5. Complete payment history on this account along with an accounting of all additional charges being assessed.

6. Copy of the original contract bearing my signature.

7. Your license numbers and Registered Agent 8. Name and address from the original creditor.

9. Proof that you either own or were assigned the debt from the creditor.

Please do not send a computer printout itemizing your outstanding debt, as this is not sufficient proof according to the Fair Trade Commission opinion letters.

Also, I never was given 30 days to challenge the collection.

Thanks in advance, XXXX XXXX
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 unXXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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, credit repair services, or other personal consumer reports

I requested a copy of my credit report from Transunion and they did send one. After analyzing information on my credit report from Transunion, I identified inaccurate information in regards to XX/XX/XXXX( auto loan ) acct # XXXX. 
On XX/XX/2020 I mailed a dispute to Transunion about the inaccurate information pertaining to XX/XX/XXXX ( auto loan ) acct # XXXX. 
On XX/XX/2020 I mailed a " Demand Letter '' for deletion of the account disputed ( XX/XX/XXXX ( auto loan ) acct # XXXX ) for " Non response. "
Product: Debt collection

Caller has 1 task- get money. Even though I tell them I have nothing all they want is a credit card number or bank account. They dont care if my utilities are to be turned off, they just want money now, not next week or a amount I might be able to afford.
Product: Debt collection

LTD financial calls every day, repeatedly. We had ignored the calls because they are masking their number from caller ID. Today I picked up and they wanted to talk to a person who does not live here, and has never, ever lived here. I advised them that this is not that person 's number, and never has been. The represetative was very rude, and over talked me.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit report act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi good morning I sent a certified mail package of my 609 letter to verify this information and show me the debt belongs to me. This was verified received by Experian XX/XX/2021. I have not received any mail at all regarding this dispute and my verification and it is now XX/XX/2021. 
I did receive one email stating my dispute results are ready and its been verified. That is not the info I asked for and not once did I agree for communication through email. My email was not even stated on my documentation I sent off. XXXX XXXX and XXXX have successfully removed my collection in regards. Experian needs to look over more closely my documents and request cause they did not handle it correctly and properly!!
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXXXXXX ....
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 # XXXX has violated my rights. 

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 an 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. 


I have called and spoken with customer service of XXXX, and I have filed disputes with XXXX, XXXX, and Transunion with no resolution. When I asked about speaking to management, I was told they do not speak with the public. 

Both are charge-off accounts. However, one credit bureau says it's a collection account. 

When I called, I was told that one CHARGE OFF account was recently sold to a collection agency called XXXX XXXX. 

Incorrect and inconsistent amounts are listed on each bureau related to dates opened, Information is listed differently related to secured loans, collection, and charge off. 

The balance has been increasing, which should not be due to it being charged off. It should be continuously reporting a charge-off monthly, nor should it be accumulated interest if it has been charged off already. 

If the account has been sold, it should be deleted, as this will be double jeopardy in reporting two duplicate accounts on my report. Especially if one has been charged off and you have legally taken it as a loss with IRS. 

The consistent inaccurate reporting on my credit report over the past several years needs to be fixed by removing these XXXX accounts. I have tried to rectify this over the past 60 days.
Product: Credit card or prepaid card

I use to have a Cabela 's Visa credit card in which I set up a annual recurring charge with XXXX for XXXX XXXX. Cabela 's was sold to XXXX XXXX and XXXX XXXX decided to use Capital One as their Visa card company. When my Cabela 's card expired, Capital One sent me a Visa card in the mail. I called Capital One and told them I did not want their card and that I was going to destroy the card which I did. Later I kept getting emails from XXXX stating that my XXXX XXXX subscription was expiring. I then paid the subscription using XXXX and another credit card in XXXX. In XXXX I receive a credit card statement from Capital One showing a balance of {$99.00} on a card that I did not have. On XX/XX/XXXX, I called Capital One and ask how XXXX could charge me on a card that I never activated and they stated that if a merchant contacts XXXX, that XXXX will give them the card number. I told them that in my opinion it was fraud since I never activated or have used the card. They told me to contact XXXX customer support to see if XXXX would issue me a credit for {$99.00}. In called XXXX and explained my situation and they told me to contact Capital One and have Capital One start a fraud investigation. They also gave me a reference # XXXX to give to Capital One. I called Capital One and they said that they would start a fraud investigation which would take about 10 days to completed. On XX/XX/XXXX, I called Capital One 's fraud department to check on the status of my fraud investigation. The rep I spoke to told me that Capital One had not issued a fraud alert on the {$99.00}. He then stated that he would issue one himself and I should hear something in 10 days. On XX/XX/XXXX I received a letter from Capital One stated that my fraud complaint has been resolved. On XX/XX/XXXX, I received another letter from Capital One stating that they have found no evidence of fraud and that my account would be adjusted. On XX/XX/XXXX, I received a credit card statement from Capital One showing the {$99.00} charge. I called Capital One on XX/XX/XXXX to see why I was being charged for something I did not authorize. Their fraud department told me that I was responsible for the charge which I disagreed and ask to speak to their manager. Their manager XXXX tried to explain to me that it was my fault and I needed to pay the {$99.00}. After a few minutes of arguing with her she finally said she would initate a three way call between myself, XXXX and herself. By coincedence, the XXXX rep was the same one I had talked to on XX/XX/XXXX. I went on to state my case and he agreed that I had paid the subscription on XX/XX/XXXX using XXXX. Three days later I am still waiting on a response from Capital One and XXXX about my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

Request to Removal of Hard Inquiries from XXXX XXXX I am writing to seek assistance regarding the removal of XXXX hard inquiries from my credit profile. I recently reviewed my credit report and noticed these inquiries, which I believe are unjustified and potentially impacting my creditworthiness. 

First and foremost, I would like to express my appreciation for the valuable work that the Consumer Financial Protection Bureau ( CFPB ) does in safeguarding consumer rights and promoting fair practices within the financial industry. I am confident that with your guidance and expertise, we can address and resolve this matter efficiently. 

The hard inquiries in question are as follows : CAPITAL ONE ( Bank ) XX/XX/XXXX CAPITAL ONE ( Bank ) XX/XX/XXXX I am requesting the removal of these inquiries from my credit profile due to the following reasons : Lack of Authorization : I have not provided authorization to these companies to access my credit information. Therefore, these inquiries were made without my consent, and their presence on my credit report is unwarranted. 
Inaccurate Reporting : Upon careful review, I have determined that some of these inquiries have been inaccurately reported. The information provided by the companies may not be reflective of my credit-seeking behavior, and therefore, these inquiries should not be considered legitimate. 
Potential Identity Theft : Considering that I have not initiated any credit applications with the mentioned companies, these inquiries may be indicative of fraudulent activity or potential identity theft. I urge the CFPB to investigate these inquiries further to ensure the security and integrity of my credit profile.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> TU -- - Unauthorized Inquiry 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account Dispute Reason Selected Edit Payment never late Comments Edit fcra violations never late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : DEPT OF EDXXXX {$0.00} Closed 12 late payments Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Installment Transunion : XXXX  XXXX  {$23000.00} Balance updated XX/XX/XXXX XXXX late payments FCRA violations never late XXXX XXXX {$0.00} Closed 12 late payments FCRA violations never late fix it or remove it Base on the information found please remove these accounts : XXXX/XXXX XXXX potentially negative icon Potentially Negative StatusClosed. {$1100.00} written off. 
Account TypeCharge Card Balance {$0.00} Date OpenedXX/XX/XXXX Dispute Installment Loansshow tooltip button XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusOpen. 
Account TypeAuto Loan Balance {$23000.00} Date Opened0XX/XX/XXXX Dispute U.S. DEPARTMENT OF EDUCATION XXXX potentially negative icon Potentially Negative Account Name U.S. DEPARTMENT OF EDUCATION Account Number XXXX Account Type Education Responsibility Individual Date Opened XX/XX/XXXX Status Paid in settlement.
Product: Credit card or prepaid card

I filed a claim with Paypal Prepaid at the end of XXXX. I cancelled that claim on XX/XX/XXXX because I was working with the business to get the issue resolved. The business XXXX has agreed to issue me my remaining refund on XX/XX/XXXX. However, Paypal Prepaid refuses to deposit the money into my account. I don't even have access to the other funds in my account either. Prepaid Paypal told me the claim that I requested to be closed numerous times wouldn't be resolved until XX/XX/XXXX. I refuse to wait that long and have more money deducted from my account. The issue with XXXX will be resolved as soon as Paypal Prepaid deposits their refund into my account. I filed multiple claims at the end of XXXX also. The other claims ( same issue ) were cancelled. 
Paypal Prepaid sent me multiple fake " permanent '' cards that I couldn't activate also. Paypal Prepaid told me that the cards were not in their system. Therefore, I couldn't activate them. My temporary card expired for this reason. Paypal Prepaid takes a monthly fee out of my account and I don't even have access to my money now. It has been a nightmare dealing with Paypal Prepaid. They send me the same generic responses most of the time.
Product: Mortgage

Background - Went to court because my former business partner stopped paying me in XX/XX/XXXX per our buyout agreement. I've been living on my savings since XX/XX/XXXX. Wasn't able to make my mortgage payments in XX/XX/XXXX and XXXX XXXX sold my loan to Rushmore Loan Management, a debt collector, in XX/XX/XXXX. My lawsuit was resolved in the fall of XX/XX/XXXX where I receive half the amount I was receiving originally. 
Rushmore required {$5000.00} for an initial deposit and increased my monthly payment from approximately {$3300.00} to {$4700.00} per month based on a 7 % fixed interest rate. Rushmore is ruining our credit score and profiting from our problems. 
I am XXXX years old. If my former partner honored our buyout agreement, I would not be in this situation. My attorney fees were in excess of {$100000.00} and took over 2 years to reach a reduced agreement. 
I've requested that Rushmore modify our loan and add the {$33000.00} outstanding balance to our loan amount to take us out of foreclosure status. They have not done that. They don't return calls or emails.
Product: Mortgage

Refinancing company spoke to my husband in XXXX. My credit was pulled without his or MY consent. It is my name, alone, that is on the loan. I never spoke to anyone at all. We have called and spoke to the supervisor multiple times to have this inquiry removed. Inquiry remains on credit report.
Product: Credit reporting or other personal consumer reports

I have included a police report number XXXX bage # pc. XXXX for XXXX XXXX these accounts are not mine please remove
Product: Credit reporting or other personal consumer reports

OFFICIAL CONSUMER COMPLAINT and FORMAL DEMAND a thorough CHECK of the required CERTIFIED COMPLAINT REPORTING OF PHYSICALLY VERIFIED valid, true, accurate, complete, and timely of the reported alleged claims. Furthermore, I challenge you to provide evidence supporting these claims. As a consumer, I have the right to contest the reportability of any information that is deficient in any way. I demand that you promptly and PERMANENTLY delete any alleged claims of inquiries, delinquencies, or derogatory remarks if you are unable, unwilling, or fail to demonstrate lawful evidence as requested throughout this notice. This removal must be carried out without exception or delay.

To Whom It May Concern : My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards
because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i.

Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form : XXXX XX/XX/2022 XXXX XXXX XXXX
Product: Mortgage

XXXX XXXX XXXX/Loan Care Servicing  has sent me notice of foreclosure.  I have been paying the Loan Care Servicing through my Credit Union account since XX/XX/2019. My original refinance with XXXX (who declared bankruptcy) was purchased by XXXX XXXX XXXX XXXX. My monthly mortgage payments are up to date, I continue to get calls and letters from Loan Care Servicing everyday.  I have faxed proof of payment to Loan Care servicing x2, talked to several of their loan care representatives many times.  I was assured the problem had been taken care of on XX/XX/2019 when I talked to a supervisor of Loan Care Servicing. They stated that payments had been applied to the principal and that put me owing another payment, this had gone on since XX/XX/XXXX when they took over my loan.
This is a list of my payments and dates of my payments to Loan Care Servicing
XX/XX/2019 $XXXX paid early for XXXX
XX/XX/2019   $XXXX  plus $XXXX additional payment on XX/XX/2019 as I received  notice of increase in monthly payments.
XX/XX/2019   $XXXX as I received notice that I was owing another payment.
XX/XX/2019    $XXXX
XX/XX/2019   $XXXX early payment for XXXX
XX/XX/2019  $XXXX
XX/XX/2019  $XXXX  included a late payment fee.
XX/XX/2019  $XXXX   
I have proof of all these payments from my CreditUnion account.  Please help me.
Product: Checking or savings account

I sent XXXX payment from my bank ( Citizens Bank NA ) on XX/XX/XXXX. Amount is : {$1900.00} See confirmations as attached. I had the funds in the account but the recipient did not get it, it was pending, but failed. Why not? Why the issue? There should be no issues on my end!! Please investigate and report back, date by date, step by step, why this failed. I lost {$50000.00} worth of business because of that. Thank you. I called Citizens Bank on Tuesday XX/XX/XXXX, and case No. XXXX ( with Citizen 's Bank ). XXXX is giving issues and problems now? 

Funds should go to the recipient that I sent to on XX/XX/XXXX. Follow up with me by call and by USPS Mail, too.