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

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/2022 I was alerted by XXXX XXXX that a hard inquiry was made using my credit profile. The inquiry was made by XXXX  / Avant LLC located at XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX. I called Avant LLC at ( XXXX ) XXXX and gave them my name and social and they told me that someone had applied for a credit card and was approved. 

I asked them for the address and all information associated with the account. They refused to provide any information to me. 

I requested that they immediately cancel the credit card and send me written confirmation via email that the account was in fact canceled. They refused. 

I informed them that thy were knowingly participating in a fraudulent act. They told me there was nothing they could do. 

I asked to speak to someone in their Fraud department. They told me that someone would contact me. No one has contacted me. At this point it would appear that someone has stolen my identity and that Avant LLC is complicit in this act. There should be serious consequences for a company to participate in fraud. 

They refuse to provide any information regarding this fraudulent activity. Per XXXX, a supervisor in Credit Cards, who refuses to provide any further any identifying information. 

Thank you.
Product: Credit reporting or other personal consumer reports

Heres a template you can use for a dispute letter to the Consumer Financial Protection Bureau ( CFPB ) regarding inaccurate debt reporting : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX Re : Dispute of Inaccurate Debt Reporting To Whom It May Concern, I am writing to formally dispute an inaccurate debt reporting on my credit report. The creditor, [ XXXX ], claims that I owe an outstanding debt ; however, I have not signed any agreement acknowledging this debt. I believe that this claim is inaccurate and may be in violation of the Fair Credit Reporting Act ( FCRA ). 

Details of the Disputed Debt : Creditors Name : XXXX  Account Number none Amount Reported : {$8600.00} I am requesting that this debt be investigated thoroughly, as I believe this reporting to be in error. The absence of a signed agreement between myself and the creditor calls into question the validity of this debt. They said its verify, but never provided me with the proof that I signed anything. 

Please take the necessary steps to investigate this matter with the creditor and remove or correct any inaccurate information that appears on my credit report. If additional information is required to proceed with this investigation, I would be happy to provide any documentation necessary to support my dispute. 

Thank you for your attention to this matter. I look forward to your prompt response and a resolution to this issue. 

Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Unauthorized payments were made on my cashapp account. I was scammed and they got access to my cashapp and they sent large funds to two accounts. I delete the app and my account to stop them from hacking my accounts. I went through cashapp support chat and Ive called a ton of times to tell them to cancel those transactions. I tried on the XXXX and almost everyday since then but have had no luck. They asked for some information to prove my identity through the app and they said they cant do anything since the account was closed. I am trying to get that money refunded so I can pay off a debt to the bank and they are practically refusing to help me. I cant chat or call.
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 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 a account without my written instructions
Product: Credit reporting

I have Disputed several accounts that appear on my report, but have not heard anything yet. I also need to dispute some of my personal information that appears on my credit report. My Current address, and Employment are not correct. I am not employed but on Social Security XXXX as monthly income. I would like that included on my credit report to reflect that I do have a monthly income.
Product: Debt collection

There is a debt collection agency by the name of ( Vance And Huffman LLC ) that has been attempting to collect a debt from an original creditor ( XXXX  XXXX XXXX ) that was tied into a legal settlement under ( XXXX XXXX XXXX  ) involving a bankruptcy that was filed by the loan company as stated above. 

I have sent 2 letters to the debt collection agency named above informing them that they can no longer collect monies tied to the loan company for this debt due to an active bankruptcy and I also requested this debt agency to send validation of proof for any debt tied to this loan and the agency has failed to comply to the request and has allowed this debt to remain on my credit report which is a direct violation of the court case tied to this debt and also a violation under the laws regarding FDCPA. 

This agency has been very unprofessional and I am reaching out to the courts and attorneys to file a potential lawsuit against this agency for violating laws regarding the bankruptcy.
Product: Mortgage

This grievance is against Nationstar Mortgage LLC dba Mr. Copper, XXXX XXXX XXXXXXXX XXXX XXXX. 
I'm a XXXX XXXX of a Transportation company. I explained, wrote and requested a Hardship or Deferment of our loan payments from Nationstar since my XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. We were only two months behind but they refused and gave me an ultimatum, sell the house or pay double mortgage payment each month, that totalled {$3800.00}. To add insult, once a week, a Nationstar Lady Representative would call, saying are you still in the house or they will send some old white women to my home to take pictures. Trespassing on my property and I have XXXX camera video to prove my statement. I'm very disappointed in XXXX how they allow Nationstar to mistreat me as a Veteran and fail to provide me with the needed timeframe to repay my debts without refinancing my loan. Because of my low interest rate Nationstar has implemented this Hardship by DOUBLING my Monthly Payment in an attempt that if I miss a payment they can force me to sell or refinance. I strongly believe this is based upon my race as a XXXX family in a prominent XXXX  neighborhood.
Product: Student loan

Consolidated student loan with XXXX XXXXXXXX XXXX  to qualify for PSLF I filed paperwork and it was accepted about 6 months ago .. 8 years of payment were not counted. I tried calling multiple times and they told me to just wait .. now loans transferred to Mohela and still not counted .. Mohela after multiple tries says unable to answer call in its voice menus.. How do I get my payment count updated .. get to someone at mohela for force a manual payment recount review?
Product: Debt collection

I do not owe any debts to Merchant & Professionals or XXXX XXXX. I have attempted to dispute the inaccuracy reported to my credit and they have refused to remove the negative tradeline. I do not have a balance or owe any medical debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been calling, and Also asking the creditors to verify these accounts they are not properly verifying because these accounts are inaccurate and doesnt belong to me. 

XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX {$5900.00} XXXX XXXX  XXXX {$1300.00} XXXX XXXX XXXX XXXX {$3800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I received your response in my complaint and Im the one who submitted a complaint on XX/XX/2022. The 3 Credit Bureaus are failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted 10 complaints informing the 3 Credit Bureaus that I was a victim of identity theft. The 3 Credit Bureaus are failing to block or remove the accounts from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent accounts, an affidavit from the FTC website & provide a photo ID for their records. The 3 Credit Bureaus have claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the following accounts blocked/removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

There is no company name provided, the address listed XXXX XXXX XXXX, XXXX, PA XXXX. They have been sending a collection notice in the amount of {$780.00}. The collection has been reported as pasted due balance. I do not know this company as there is no information provided. I have never done business with this company. This company does not have a contract with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm trying to apply for credit cards but I am unable to do so due to the damages on my credit report and according to the law 15 U.S.C 1681 this is a defamation to my character. On XX/XX/XXXX I submitted a dispute stating that their information is incorrect because it can't be verified as well as sent them documents that the source they are claiming they verified the information with in fact doesn't verify that information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit reporting. The list of accounts below has violated my federally protected Consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX has violated my rights. 

XXXX XXXX has been reporting inaccurate information about my sercured credit card with XXXX max limit. 

As of XX/XX/2022, the account was reported not in good standing with XXXX XXXX. 

The account also reported imits as high as XXXX XXXX. However, This is a sercured XXXX limit credit card. 

XXXX XXXX XXXX also did unauthorized had XXXXnquiries.As a XXXX XXXX  member.Im able to shop products with no harm to credit profile.This information is publicly known. 


Resolution : Remove any and all negative remarks off credit report immediately Remove all XXXX XXXX inquiries Report accurate information regarding the account going forward
Product: Credit reporting or other personal consumer reports

I got a loan though afrim a third party person so I could hierd a lawyer office which was mah Advising to save my home from a lien that was place on my home and to file a counter lawsuit against the other parties involved. Mad Advising is thief took my money never filed my lawsuits and the company also changed its name in the process to ironlaw or something like that. I reached out to the lawyer office for months no return emails or calls. I set up Google meets and nobody would come to the meetings. Finally one lady did said that im no longer thier clients and that they sent a letter months ago. I told them this is the first time I heard this. But im still getting bills from both companies now afrim which is the third party person I took the loan out with and mah advising which is now ironclad law or whatever there name is now. Both these companies are reporting on my credit report and I haven't gotten no service. I have disputed with Trans union and XXXX XXXX with no good results. Please help thank you.
Product: Credit reporting or other personal consumer reports

I want the following accounts removed that were reported without my permission : XXXX. XXXX XXXX XXXX XXXX XXXX  ( Finance ) XXXX. XXXX XXXX XXXX XXXX Finance ) XXXX. XXXX XXXX ( XXXX ) XXXX. XXXX XXXX XXXX  ( Bank )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX # XXXX AXXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX Account # XXXX XXXXXXXX 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 a account without my written instructions
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 these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My friend and former room mate used my private and personal information to open accounts and loans without my permission or knowledge. I did not open these accounts, These accounts I am disputing are not mine, Please remove these right away from my credit. I would like my dispute handled correctly also, I have major concerns about this because of the pending litigation against the credit bureaus by the CFPB. I read that the CFPB is suing the bureaus due to their failure to properly handle disputes. Please handle mine in accordance with the provisions of the lawsuit, otherwise I am very happy to have the CFPB add my claim to their lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

Our problems are two fold. First, we received an offer to refinance from our current mortgage company, Lakeview Loan Servicing. Upon qualifying, the the closing statement erred in that included closing costs financed into the loan amount that the offer stated would be waived. After protesting two times we were finally advised by the representative for Lakeview and XXXX XXXX XXXX, their servicing agent that they would not alter the closing statement. 

Second, as the process was taking a long time we provided the appraisal requested by Lakeview to their Escrow Department on three occasions to remove the PMI on the current loan. Three times they sent the same form letter ( the last one dated XXXX2021 ) stating the loan to value was not 80 % when the appraisal and loan payoff reflect a loan to value ratio of 77 %. 

We include the offer letter on a mortgage refinance, our appraisal requested by and provided by the appraiser of Lakeview 's choosing and al letter of our last attempt of three appeals made for them to reconsider their position.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : 1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX  Account XXXX : XXXX Please remove it from my credit report. 

2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

4. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

6. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX  Account Number : XXXX Please remove it from my credit report. 

8. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX Account XXXX : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXBalance : {$0.00} As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my 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 Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.
Product: Vehicle loan or lease

I have been paying for an 70 % title loan. My car is used and have two loans against my car. The value of my car is {$11000.00} and now have {$16000.00} in loans agina my car. I have been for these loans since 2019 and submitting financial records of such payment. Can you assist in lowering the interest rate has this is a Predatory Loan?
Product: Debt collection

MAGWV sent correspondence dated XX/XX/22 in which they refuse two payments of homeowners association assessments in the amount of {$440.00}. This is the regular amount of monthly assessments and the memo field of both checks indicates what they are for. They have inflated the debt by misapplying or allowing to remain unapplied payments made toward HOA assessments.