23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To Whom it May Concern, This Letter is a formal complaint that you are reporting inaccurate and incomplete credit information, I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that the bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a credit profile to all creditors who have received a copy within the last XXXX months, or the last XXXX years of employment purposes. 

Additionally, please provide the name, address, and telephone number of each grantor or other subscriber. Under Federal Law, you have 30 days to complete your re-investigation. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Product: Credit reporting or other personal consumer reports

Im in a debt consolidation with XXXX XXXX XXXX and on XXXX XXXX 2023,XX/XX/XXXX made a settlement offer for {$550.00}. They started receiving payments on XXXX XXXX 2023. It was reported to collections and appeared in derogatory marks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/XXXX I sent a dispute letter to Transunion and XXXX asking them to verify how they determined that my bankruptcy was verified. They have failed to do that they replied with a letter stating that the bk was previously verified and they will not re investigate the dispute. My name could have been used from anyone with the same name as me. If you google my name it pops up all over the web. I have no contract with the courts or anyone else showing that i have filed a bk.
Product: Debt collection

The Natural person and consumer is the only true creditor as I can create the debt per federal law along with other laws that can easily be researched after the XXXX of the XXXX in XXXX.So when filling out a consumer credit transaction it means that I had to use my " card '' aka my XXXX XXXX XXXX aka my XXXX XXXX XXXX to extended myself credit. So how is it a benefit to me, the natural person, to pay on something I issued? u XXXX XXXX XXXX are willfully and knowingly committing fraud. This is a violation of my consumer rights because congress says the use of a credit card by a person other than the cardholder who does NOT have actual, authority for such use is unauthorized ( 15 USC 1602 ( P ) and in this case my credit card was my social security card. This is false and misleading and the integrity of this information is not accurate ( 12 CFR 1002 ( e ). Also, according to 15 usc 1681 ( e ) ( b ) - Accuracy of report- 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.
Product: Checking or savings account

On XX/XX/2022 I was checking my email and discovered several emails from XXXX XXXX that indicated someone applied for and successfully opened a bank account with Bank of America online. After the account was opened, there was another email where an email address I did not recognize was added to the account in order to send and receive money. I immediately called the fraud department at Bank of America to see if an account had been opened in my name and to report it as fraudulent. I spoke with a representative who informed me numerous times we were speaking on a recorded line, so there is a record of her statements. The representative confirmed that there had been an account opened in my maiden name using my social security number. In order to close the account and report it, she required me to provide her will all of my personal information. I was hesitant and she said my only other option would be to drive over an hour to a local branch and provide my information in person. I did decide at that point to provide her with my information so I could get the account shut down immediately. I asked her how someone else was able to open an account using my social security number since my credit has been frozen for years and they used a name that I have not personally used in over 10 years. The representative stated that they do not verify information unless you are applying for a credit account. If this is true, they would be in violation of federal law. After taking my information, the representative stated that she could not provide me with any other information regarding the account over the phone but that I would be receiving a report with the information so that I could file a police report for identity theft. I did receive an email on XX/XX/XXXX saying that the unknown email address had been removed from my account and the account has been closed. In the three weeks since, I have not received any more information regarding the account despite being told I would. I believe this is due to the fact that they violated federal law by allowing the account to be created in the first place.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible.

The items in dispute are as follows : Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Issues with the accounts below ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX I noticed my debt amounts increasing alot within months. I just realized I had this debt back in XXXX, I sent in a debt verification letter to get all the information of this debt and to see if it's mine and the reporting is accurate. The interest rates must be skyrocket and I had no idea about this debt until recently. I sent in a debt verification letter and have not heard back from them it's been almost 60 days total!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted an FTC Identity theft report ( FTC report Number : XXXX ) to Equifax on XX/XX/XXXX in regards to 5 fraudulent accounts and 2 fraudulent inquiries that are reporting on my Equifax credit report. Equifax is not complying by the rules of the FCRA to disputed fraudulent accounts by not blocking this accounts and inquiries. 

Accounts are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. 

Inquiries are as follows : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX I have made numerous unsuccessful attempts contacting Equifax to have these fraudulent account and inquiries blocked after providing the requested documentation under the FCRA. These 5 fraudulent accounts and 2 fraudulent inquiries are still being reported by Equifax and continue to unfairly affect my credit report negatively.
Product: Mortgage

Please see the attached documents and documentation. I have been trying to obtain this information with no success. Nationstar XXXX Mr. Cooper keeps flagging my payments as late with the different credit bureaus impacting my credit score for many years. ( XXXX XXXX XXXX XXXX I am sure that you are aware of the Fair Debt Protection Act. 
I have the right to request validation of this XXXX XXXX. 
According to my mortgage, there is a strong possibility that there is some fraud that took place in this regard. The main problem in the contract is that I have not been provided any proof that there was a loan granted. There is no financial XXXX XXXX. 

Now according to the Promise to Pay/Promissory Note, there was allegedly a check issued for {$310000.00} to cover the cost of the loan, however, I later found out that the Promissory Note was the Instrument that paid off the home. 
According to XXXX XXXX XXXX XXXX XXXX XXXX XXXX The moment that I signed the Application/Settlement Documents, they take your XXXX XXXX transaction is monetized behind your back. 

That Promissory Note pays off the house. The house was paid off within the first 45 days of me signing the XXXX and or XXXX XXXX.
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.

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 XXXX XXXX XXXX XXXX Account Number : 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Credit reporting or other personal consumer reports

Verbiage 2.. Credit cards open without my consent and my data has been exposed and breached. American Express cards for XXXX, XXXX XXXX XXXX XXXX  for XXXX, XXXX and Ive sent letters but I need section 605b not a 30 day claims process
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX AND TRANSUNION BOTH UPDATED MY REPORT AS THEY ARE REPORTING INACCURATE AND NOT 100 % CORRECT INFORMATION ON MY CREDIT REPORT I HAVE REACHED OUT TO THE COLLECTION COMPANY FOR A LETTER STATING WHAT THEY SAY I OWE AND THE AMOUNT THEY CLAIM AND THE AMOUNT THE CREDIT BUREAUS ARE REPORTING ARE NOT 100 % CORRECT AND ACCURATE
Product: Debt collection

Hello! Hopefully someone can help in regards to a collection from CRME. First of all, I never received any letters from CRME stating I owed any debt nor did I receive any letters from CRME at all. This collection in the amount of {$620.00} was originally from XXXX XXXX XXXX from a visit back in XXXX of XXXX. At this time I was covered by XXXX XXXX XXXX XXXX and I have bank statements showing proof that insurance payments were successfully coming out of my bank account via autopay but for whatever reason XXXX XXXX XXXX XXXX didn't pay the bill. I had no idea of this debt until this collection hit my credit in XX/XX/XXXX. If I would have known about this debt I would have paid it without hesitation especially since it was such a small amount of money. Once I saw the collection on my credit report I instantly disputed the collection because the debt should have been paid by my insurance company. Unfortunately the dispute didn't go in my favor so I contacted CRME via phone to attempt to settle the debt. When I called CRME I had to correct the address they had for me on file because CRME didn't include the suite number. I explained to CRME what happened with the insurance company and I told CRME that I was unaware they were trying to contact me in the first place ( probably due to the address not having a suite number ). I asked CRME to do a courtesy deletion on my credit report after CRME receives my payment in full since this was just a mistake. I got NO. I called multiple times, dealt with multiple people and they all said no. I even pleaded with them that i'm in the process of buying a house and this is really affecting my chances of being able to get it now, they didn't care to work with me at all. All I want to do is pay the debt and get it removed from my credit report so I can buy a house for me and my family and if this collection doesn't get removed that might not be possible.
Product: Credit reporting

I disputed and requested Validation with Trans Union that I never file bankruptcy in XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX and also contacted The Bankruptcy Court.
Product: Credit reporting or other personal consumer reports

My accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Student loan

I was working with American Financial Benefits Center, which ended up being a scam and has recently been shut down and is being sued by the United States Government. I joined in the XX/XX/XXXX-XX/XX/XXXX school year and lost thousands of dollars because of this scheme.
Product: Credit reporting, credit repair services, or other personal consumer reports

All appropriate documentation was mail certified/ uploaded on website and I call the company several times. Not only is this a mental health but actually my time. The money send to get appropriate documents to the credit bureau and too the company and yet and still nothing has been changed. I would like to take the appropriate steps to getting the incorrect information removed and my money back where I send three certified mail to both XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX was supposed to contact trans union to removed the inquiry from my credit report back in XX/XX/202XXXX XXXX
Product: Money transfer, virtual currency, or money service

Subject : Unfair and Possibly Illegal Treatment at Check Cashing Establishment Dear Sir/Madam, I am writing to file a formal complaint regarding an incident that occurred at a check cashing establishment, namely ACE Cash Express XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX 

On XX/XX/2023, I, XXXX XXXX, was subjected to what I believe to be unethical, potentially illegal treatment by the staff of this establishment. Initially, I called the store to inquire about their check cashing fees, and I was told that this information could only be disclosed in person, a protocol which I found non-transparent and unreasonably burdensome. 

Upon my visit to the store, I was made to undergo a lengthy, cumbersome application process. After investing significant time in this process, I was then informed that they could not cash my check due to a box that was checked in the endorsement section. 

The check in question is a government-issued XXXX refund, endorsed correctly with my signature. The staff erroneously stated that the checked box indicated it was not eligible for cashing. However, according to legal regulations, such a restriction is only applicable if the endorsement also includes for mobile deposit only, which my check did not. 

When I asked to view the policy in writing that justified their decision, not only was I denied, but I was also subjected to inappropriate and disrespectful language from their staff, behavior which I find entirely unprofessional and uncalled for. 

I strongly believe that this behavior, coupled with the seemingly dishonest practices I encountered, warrants an immediate investigation by an external body. I understand that the CFPB has the mandate to protect consumers like myself from such unfair, deceptive, or abusive practices, and hence, I seek your intervention in this matter. 

It is my hope that, with your help, we can ensure that the practices at this check cashing establishment are fair, transparent, and in line with the law, to prevent other consumers from experiencing such ill treatment. 

I look forward to your prompt attention to this matter. I am more than willing to cooperate in any investigation and can provide any additional information needed. You can reach me at ( XXXX ) XXXX. 

Yours sincerely, 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 under 15 USC 1681.

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe if you look at your records this is my 5th complaint with Capital One. The last one I submitted over 45 days ago and heard 1 time from Corporate Office on XX/XX/XXXX. XXXX who is supposed to be a Supervisor at the Capital One Corporate Office clearly stated that she would look into the fraudulent charges on my account and assured me that she would get back to me within 1 week. Well, here we are XX/XX/2019 and I am still yet to hear back from her or ANYONE from Corporate Office regarding this matter. Since XX/XX/XXXX, I have called 4 times and left 4 messages with her voicemail. In the meantime while she is supposed to dispute these charges and investigate them Capital One is still calling me harassing me about payments. They have negatively marked my credit report and my credit score dropped 81 points AGAIN. They call at least 8 times a day and even on Sunday 's. I have all the calls documented. It's so frustrating that they continue to lie and ruin consumers financial well beings. This has put an extreme amount of stress on my health and I will continue to gather information regarding these issues, as well as all of my health records regarding this matter and as of last week I started recording all my calls to the Corporate Office as proof that they NEVER answer the phone. I have phone records highlighting the ONE time that I heard from Corporate. It is BEYOND RIDICULOUS that they are able to get away with this to consumers. This needs to be addressed by someone at their highest office who ACTUALLY knows what they are doing. They should be embarrassed of themselves and the treatment that they give their  consumers.
Product: Debt collection

I spoke to them letting them know I did not have any debt with them. I had debt with XXXX XXXX XXXX. I told them the amount of debt was wrong, but did not think that they should have any of my information knowing I had set an agreement with XXXX to pay back {$2000.00}. Some how they were in charge of my debt and they will not negotiate to the same terms as the people who I was obligated to. I am not obligated or did not sign up with this unknown company of Jefferson Capital Systems. I had an agreement with XXXX Credit Card, not them. Now they are trying sue me for an outrageous amount of {$5800.00}.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of addresses that I have never lived at before. As a member of the XXXX XXXX I normally stay overseas in XXXX. 
These addresses were used to open accounts in my name : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Enclosed is a copy of a FTC report and a Police report stating the items that were opened in my name. These accounts have resulted in several fraudulent addresses appearing on my consumer FICO credit report. I've attached a list of the addresses in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent addresses. I do not recognize the aforementioned addresses as reported. The aforementioned addresses appearing on my consumer credit report maintained by you were not initiated by me. All of the aforementioned addresses are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned addresses are the result of identity theft and fraud.