23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I was a part of the Equifax breach never received a letter I put my info on a data base it gave me XXXX Equifax engagement number and was told that I could only get the restoration service because it was too late to file the date had already passed XXXX of XXXX   just for restoration service I also have been scammed out of XXXX XXXX dollar in which the hackers had my SS number address and my credentials my police report theft by a fraud number XXXX this happened on XX/XX/XXXX of XXXX in my car was broken into and the phone that was involved in a hacked was stolen police report number XXXX I'm a part of a data breach and I was scammed out of my money but yet all I received was restoration service where is the money that I should receive from the Equifax settlement lawsuit is there no money put aside forpeople who did not know who received a code after the fact
Product: Mortgage

Hello Rushmore, Refer Following CFPB CASES XXXX, XXXX, XXXX You are not XXXX XXXX XXXX. 
So, you not supposed to reply to me for them because you are not. 
" CFPB XXXX XXXX XXXX '' Furthermore, you supplied wrong contact information for your principal. Undeliverable Mailing Address and False Phone Number. 
You asked me the authorization to contact you, so I've provided them for you, now you have them. 
For the same token, I'm asking your authorization to process our loan from the principal for our loan Provide us the authorization from my note holder. 
Under what authority, have you try to foreclosure our property? 
Which Government authority give loan servicer to foreclosure the property but servicing the loan? 
The documents you've prepared are anybody can get at the County Recorders office by paying $ XXXX page. 
Until you get me the authorization from your principal, you are simply one out of million fraudulent debt collector. 
Stop and ceasing your collection activities toward us immediately. 
Truly, XXXX
Product: Debt collection

I requested that Discover credit card submit to me a validation of debt owed on XX/XX/2023. They have failed to respond within the required 30 days
Product: Mortgage

I truly believe when my husband passed away and I spoke with Wells Fargo about a loan modification to help me because I was struggling with the payments they did not treat me fairly. They added more time on the years I needed to pay for the house for at least another 15 years. I don't know if their calculations were right. I may be wrong but I just feel in my heart I was taken advantage of in some sought of way. I would really like for someone to look into this matter. This has been about 7 or 8 years now.

I am not understanding if the house was refinanced if it was I never got any money out of it. I really just want to make sure no one has taken advantage of me because since my husband passed I have been taken advantage of so much from home repairs and other things. 
Thanking you in advance
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is frozen. Recently I applied to XXXX for cable and internet service. Although I did not lift the security freeze, Experian provided to XXXX information from my credit report. What good is a security freeze?
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPV lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has no only neglected to protect consumers but also has allowed repeat offenders to exploit this system, leaving us users vulnerable to scams. The lack of accountability and transparency is unacceptable, unprofessional, & raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I am wanting the inquiries to be deleted because I did not authorize these companys to run my credit. Thats fraudulent! 

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: Debt collection

Ive disputed this debt so many times until I dont know what else I need to do. Im not paying are settling the debt because I didnt create this debt. It very mind blown that people like me try to do the right thing and still be victims to violation like this. Ive asked this company for prof that this is my debt They so not respond back. So I really do hope that my voice and credit report is heard today. For the 100th times THIS IS NOT MY ACCOUNT. I DO NOT OWE XXXX  no money.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a request based on empirical evidence for you to remove inaccurate information from my credit report. 15 U.S.C. 1681e ( b ) provides : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. When examining statutory language, we generally give words their ordinary, contemporary, and common meaning. XXXX XXXX. 
The United States, 328 F.3d 132, 139 ( 4th Cir. XX/XX/XXXX) ( Citations omitted ). In accordance with its ordinary, contemporary, and common meaning, an investigation is a careful search ; a detailed examination ; systemic inquiry. XXXX XXXX XXXX XXXX XXXX, p. 966 ( 2d ed.XX/XX/XXXX ). 

The inaccurate information you are currently reporting has affected my chances of getting loans and credit. I have already given notice to the creditors below to Cease and Desist reporting inaccurate information about me to any CRA.
Product: Debt collection

XX/XX/2018 {$550.00} I have no knowledge of this company. I have no knowledge of this false debt. Please delete immediately from my credit report. This company has inaccurate / false information. Please delete this false debt.
Product: Debt collection

Ive been receiving harassment calls for almost a year and tried disputing this fraudulent account Im not liable for several times. Now Im being threatened to be exposed on local newspapers also posting documents regarding this debt in 3 public places. They are now stalking me to job and home also left a paper stating its from a XXXX XXXX XXXX on XX/XX/2018. Its not my debt! Its scaring my family that random people are filling us trying to serve us documents. The debt collector is XXXX XXXX XXXX and contact information on the letter posted on my door is XXXX @ ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been having trouble with this company there are several items that are clearly inaccurate and some of the collections are duplicates but they don't seem to be taking a look at this matter so I am seeking help from CFPB and XXXX of the XXXX XXXX to resolve this matter once in for all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted XXXX  numerous times since I was made aware about fraudulent accounts on my credit report but the company continues to report fraudulent accounts. I have sumitted an FTC Identity Theft Affadavit for these accounts but accounts still are reporting. These accounts need to be removed! 

1 ) XXXX XXXX XXXX 2 ) Sears/ CBNA 3 ) XXXX XXXX XXXX  4 ) XXXX XXXX 5 ) XXXX XXXX
Product: Vehicle loan or lease

In XX/XX/year> I purchased a vehicle from XXXX of XXXX, which was financed through Santander bank, a couple of months later when I go to pay my bill, I noticed there was another vehicle added on my acct I continued to asked them about it. They kept telling me that I could fill out a fraud packet. Every time they emailed it to me I could never open it to fill it out. I asked them could they get in contact with the dealership to see whats going on I actually reached out to the dealership to see what was going on. They told me that they were looking into it they never did because I bought a car off their lot that was reported stolen so they had to unwine the deal. I did not authorize a 2nd care nor did I sign paperwork for one now its on my credit and effecting it terribly
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Fraudulent Accounts on My TransUnion Credit Report Dear TransUnion, I am writing to formally dispute the following accounts appearing on my credit report, which are fraudulent and were opened without my authorization due to my identification being compromised : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My personaXXXX and financial information was compromised as a result of the XXXX data breach and the XXXX XXXX  XXXX XXXX data breach XXXX These breaches have led to the unauthorized use of my information and the creation of fraudulent accounts in my name. 

Under the Fair Credit Reporting Act ( FCRA ), 611, I request an immediate investigation into these accounts. As they are not mine, and their presence on my credit report constitutes a violation of my consumer rights, I demand that these accounts be permanently deleted from my credit report. 

Please complete your investigation promptly and provide written confirmation once these fraudulent accounts have been permanently removed. Thank you for addressing this matter and ensuring the accuracy of my credit report in compliance with federal law. 

Sincerely, XXXX XXXX
Product: Credit card

I have spoken to Capital One repeatedly to close all credit cards under my social security # and never open a card under my Social Security #. I have spent hours with Capital One without satisfaction that they will protect me ongoing.
Product: Credit reporting or other personal consumer reports

Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer days after the date of receipt.

Under 15 US. Code 1681e ( b ) and 15 U.S. Code 16811 ( 5 ) this account in violation not reporting 100 % accurate.

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer Pursuant to 15 USC 1681 section 602 A states I have the night to privacy Pursuant to 15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish accou I am requesting for the onginal copy of the agreement & : ters de condition. Failure to comply will forfeit your claims and will require you reported to my consumer report WITHIN 4 DAYS from the date of the receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE
Product: Credit card or prepaid card

Hi. I received a statement from the PayPal Credit showing a charge for {$670.00} plus {$38.00} fees, plus {$11.00} interest. It looks like it was a single purchase which I did not make because I do not have PayPal account and card. I have called customer service and told the representative that I did not do it because I had no PayPal account and credit card. I asked her when was the account opened she told me last year. It looks like the account was opened by someone else, a fraudster, or this is a fraudulent charge by PayPal because the statement is not clear to me ... I have received again the statement and I am very much upset about. 

I have no intention of paying the bill. I am a senior citizen and I am not the one who would do anything to myself to have unnecessary problems ... 
I hope that you will be able to help me out with this issue and I will be very grateful.
Product: Student loan

I keep having problems with how Navient is handling my payments. I have complained several times and talked to people from various departments and it's still not resolved. I keep paying the bill based on the set amount determined by my income based agreement. Then I get multiple notices stating that they didn't receive payment or its late and they charge me late fees. I paid all payments before the date they told me I would acrue late fees. I recently received a letter dated XX/XX/2021 stating I didn't pay the XX/XX/XXXX bill. I did pay that bill. They took my payment and applied it to the XX/XX/XXXX bill so that they could charge me late fees. I paid the XXXX and XXXX bills already and XXXX knows where that money went. Maybe they used those payments to pay XX/XX/XXXX since they're just snatching my payments and using them however they like. This is the last time. I want this resolved or I'm writing a letter to the Attorney General. I'll also get a lawyer and contact the press and any advocacy group I can find. This has been so stressful for me and I can't take it anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a collection notice from Franklin Collection Services. On my first three attempts, I had a problem using their website to pay off my {$130.00} collection bill. I paid the collection bill over the phone on Tuesday, XX/XX/2020 in which an agent informed me that they will no longer make any derogatory reports on my credit. However, to summarize the number of derogatory reports that they have made on my account, the made several in almost a ten day period about the same collection notice meaning that duplicate reporting of the same debt constitutes inaccurate credit reporting which is a violation of the FCRA. The dates are as follows : 1. XX/XX/2020 2. XX/XX/2020 3. XX/XX/2020 4. XX/XX/2020 ( The same day the dept was paid off ) 5. XX/XX/2020 ( After the debt was paid off ). 
6. XX/XX/2020 ( After the debt was paid off ). 
7. XX/XX/2020 ( After the debt was paid off ). 

In addition, on Sunday, XX/XX/2020, I filed a complaint against Franklin Collection Agency with the XXXX  and The Ohio Attorney General. I called Franklin Collection service again on XX/XX/2020 after receiving another notification of a negative inquiry on my account for the same debt that was paid off. 

The debt collector does not have collection authority on this account which represents an inactive debt and several duplicate reporting for the same account and the multiples, all six of them, should be deleted.
Product: Credit reporting or other personal consumer reports

XXXX XXXX apartments illegally sold XXXX XXXX rental debt to a XXXX party to debt collector : XXXX XXXX XXXX XXXX XXXX which is in violation of Cal. S.B. 91. Cal. S.B. 9
1 ( enacted XXXX XXXX XXXX ) ( COVID-19 rental debt can not be SOLD, thus limiting the likelihood of its being reported to CRA ) I hereby demand this information be removed from XXXX, Transunion, XXXX immediately within 15 calendar days or I will be left no choice to file legal action. 


cc ; Law Offices of XXXX XXXX FTC, XXXX, XXXX, file
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. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct or delete these items immediately : 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 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

Dear CFPB, I am writing to formally request your assistance in addressing a serious matter concerning a fraudulent account that has been reported in my name with XXXX XXXX XXXX XXXX. This account is a direct result of identity theft, and despite my efforts to resolve this issue, I have faced significant challenges. 

Under 15 U.S.C. 1681n, consumers are entitled to accurate credit reporting and protection against identity theft. However, my attempts to rectify this situation with Experian have been met with non-compliance, leaving me in a state of stress and uncertainty. The continued presence of this fraudulent account on my credit report not only affects my creditworthiness but also causes ongoing emotional distress and unfairness as a victim of identity theft. 

As a consumer, I deserve fair treatment and the right to have erroneous information removed from my credit profile. I urge the CFPB to take immediate action to ensure that this fraudulent account is investigated thoroughly and removed from my credit report. 

Thank you for your attention to this urgent matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information from my credit report. Despite my previous disputes, the information remains inconsistent across the three major credit reporting bureaus. Specifically, XXXX has corrected the inaccuracies, but Equifax and XXXX have not yet made the necessary corrections. 
The discrepancies in my credit report are as follows : XXXX. XXXX XXXX XX/XX/year> XXXX. XXXX XX/XX/year> XXXX. XXXX XXXX XXXX XX/XX/year> XXXX. XXXX XXXX XX/XX/year> This information is incorrect and does not accurately reflect my credit history. I have provided supporting documentation in previous disputes to XXXX, which resulted in the correction of my report. I request that Equifax and XXXX review the same documentation and update my report accordingly to ensure consistency across all three bureaus.
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVE some of the items in my file that I encountered because of incorrect credit report information and this is another request to remove the items from my credit file resulting from an inaccurate credit report data. Ive already included this issue in my previous letter and FTC report & I am including it again. Also, the information you provided on these items are unrecognizable for me and was REMOVED from other bureaus and I have doubts about their accuracy : 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 {$400.00} -- -- -- -- -- -Equifax XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$400.00} -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance XXXX {$3200.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX THE XXXX XXXX ) XXXX XXXX XXXX {$400.00}. Please note that you have XXXX business days to remove the reporting of any items in my credit file that resulted from a mistaken credit reporting. I do not consent to E-OSCAR or any means of automated verification. I acknowledge your immediate attention to this matter and response within 4 business days. This letter is to notify you if you do not REMOVE the listed items on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable in the event of your willful noncompliance. Thank you for your time and prompt attention to this serious issue.
Product: Credit reporting or other personal consumer reports

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

XXXX : XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX Account Number : XXXX {$1100.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Account Number : XXXX {$1000.00} XX/XX/XXXX Experian : XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account Number XXXX XXXX {$970.00} XX/XX/XXXX XXXX Account Number : XXXX {$1100.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$24000.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$270.00} XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$970.00} XX/XX/XXXX XXXX Account Number : XXXX {$1100.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$24000.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$270.00} XX/XX/XXXX XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX {$1000.00} XX/XX/XXXX
Product: Debt collection

Back in XX/XX/2018, I received a notice from Midland Credit Management, regarding a debt for my old credit one account, I advised thru writing the collection agency that ' I DO NOT OWE THIS AMOUNT TO THE ORIGINAL CREDITOR AND WILL ONLY WORK WITH THE ORIGINAL CREDITOR ON RESOLVING ''.

On XX/XX/2018, I check my credit reports and noticed that Midland along with XXXX XXXX credit are both appearing on my credit report. I also received another letter from Midland dated XX/XX/18, along with a bill from XXXX XXXX, once again I write back ( see the attached ), I DO NOT OWE THIS AMOUNT OT XXXX XXXX AND WILL ONLY WORK WITH XXXX XXXX ON RESOLVING. I have tried contacting XXXX XXXX and offer a settlement for the original amount of the debt but have not received a return call.

I believe Midland has once again ( have tried several time to asked to cease collection efforts, without any success and have violated the Fair Credit Reporting Act, They were allowed to place on my credit files this debt with Midland, along with XXXX XXXX, without validating the amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries on my Experian Credit report that are fraudulent. 
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 XX/XX/XXXX I've sent a dispute letter, ftc report and police report to the Experian. I explained to them that I contacted the dealership of XXXX XXXX XXXX and confirmed they didn't run my credit report with these locations. My credit was ran by a different dealership for something completely different. It is fraud and I reported this information and contacted the creditors. Experian continued to stall the process advising me to resend my dispute attached with police report and/or ftc report XXXX I sent experian all of the requested information and they continue to stall in the process of removing these fraudulent items on my credit report.