23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

IN REGARDS TO ; PORTFOLIO RECOVERY ASSOCIATES XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX. I HAVE SENT SEVERAL CERTIFIED LETTERS INFORMING THE BUREAUS AND THE DEBT COLLECTOR THAT I AM A VICTIM OF IDENTITY THEFT AND THIS ACCOUNT HAS BEEN FRAUDULENTLY OPENED.THE ACCOUNT WAS OPENED FRAUDULENTLY AND FORGERY WAS COMMITTED IN MY MAIDEN NAME AND I'M A VICTIM OF IDENTITY THEFT AS I REPEAT MYSELF AGAIN. THIS A NOTICE SENT PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, 15 USC 1692g Sec. 809 ( b ) THAT YOUR CLAIM IS  DISPUTED AND VALIDATION IS REQUESTED. THIS IS NOT A REQUEST FOR " VERIFICATION '' OR PROOF OF MY MAILING ADDRESS, BUT A REQUEST FOR VALIDATION MADE PURSUANT TO THE ABOVE NAMED TITLE AND SECTION. I RESPECTFULLY REQUEST THAT YOUR OFFICES PROVIDE ME WITH COMPETENT EVIDENCE THAT I HAVE ANY LEGAL OBLIGATION TO PAY YOU. 
PLEASE PROVIDE ME WITH THE FOLLOWING : XXXXWHAT THE MONEY YOU SAY I OWE IS FOR -PROVIDE THAT THE STATUE OF LIMITATIONS HAS NOT EXPIRED ON THIS ACCOUNT -SHOW ME THAT YOU ARE ARE LICENSED TO COLLECT IN MY STATE -EXPLAIN AND SHOW ME HOW YOU CALCULATED WHAT YOU SAY I OWE -PROVIDE ME WITH COPIES OF ANY PAPERS THAT SHOW THAT I AGREED TO PAY WHAT YOU SAY I OWE -PROVIDE A VERIFICATION OR COPY OF ANY JUDGEMENT IF APPLICABLE -IDENTIFY THE ORIGINAL CREDITOR -PROVIDE ME WITH YOUR LICENSE NUMBERS AND REGISTERED AGENT -PROVIDE ME WITH THE ORIGINAL DOCUMENTS BEARING MY SIGNATURE -PROVIDE ME WITH THE ORIGINIAL PHOTO DOCUMENT OR LICENSE I ALLEGEDLY USED TO OPEN THE ACCOUNT. 
AT THIS TIME, I WOULD ALSO LIKE TO INFORM YOU THAT IF YOUR OFFICES HAVE REPORTED INVALIDATED INFORMATION TO ANY OF THE THREE MAJOR CREDIT BUREAU 'S ( XXXX, XXXX OR XXXX XXXX ) THIS ACTION MIGHT CONSTITUTE FRAUD UNDER BOTH FEDERAL AND STATE LAWS. 
DUE TO THIS FACT, IF ANY NEGATIVE MARK IS FOUND ON ANY OF MY CREDIT REPORTS BY YOUR COMPANY OR THE COMPANY THAT YOU REPRESENT, I WILL NOT HESITATE IN BRINGING LEGAL ACTION AGAINST YOU FOR THE FOLLOWING : * VIOLATION OF THE FAIR CREDIT REPORTING ACT * VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT * DEFAMATION OF CHARACTER IF YOUR OFFICES ARE ABLE TO PROVIDE THE PROPER DOCUMENTATION AS REQUESTED IN THE FOLLOWING DECLARATION, I WILL REQUIRE AT LEAST 30 DAYS TO INVESTIGATE THIS INFORMATION AND DURING SUCH TIME ALL COLLECTION ACTIVITY MUST CEASE AND DESIST. 
IF YOUR OFFICES FAIL TO RESPOND TO THIS VALIDATION REQUESTING WITHIN 30 DAYS FROM THE DATE OF YOUR RECEIPT, ALL REFERENCES TO THIS ACCOUNT MUST BE DELETED AND COMPLETELY REMOVED FROM MY CREDIT FILE AND A COPY OF SUCH DELETION REQUEST BE SENT TO ME IMMEDIATELY. 
ALSO DURING THIS VALIDATION PERIOD, IF ANY ACTION THAT COULD BE CONSIDERED DETRIMENTAL TO ANY OF MY CREDIT REPORTS IS TAKEN, I WILL CONSULT WITH MY LEGAL COUNSEL FOR SUIT. THIS INCLUDES LISTING OF ANY INFORMATION TO A CREDIT REPORTING REPOSITORY THAT COULD BE INACCURATE OR INVALIDATED ; OR VERIFYING AN ACCOUNT AS ACCURATE WHEN IN FACT THERE IS NO PROVIDED PROOF THAT IT IS. 
I ADVISE THAT YOU ASSURE THAT YOUR RECORDS ARE IN ORDER BEFORE I AM FORCED TO TAKE LEGAL ACTION. THIS IS AN ATTEMPT TO CORRECT YOUR RECORDS ; ANY INFORMATION OBTAINED SHALL BE USED FOR THAT PURPOSE.
Product: Credit reporting or other personal consumer reports

I opened an account with Commenity Capital Bank at Forever 21 XXXX XXXX. In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681a1 " Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ''. Attached are my credit reports which will clearly show inaccuracies in opening dates, my name, payments, and balances as well. 15 USC 1681 604a states that any consumer reporting agency can only furnish a consumer report with my written permission. 15 USC 1681 602a4 states that I have the right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I am a recent victim of identity theft ( discovered on XX/XX/20 ). I'm following the ID theft playbook. Have filed a police report, incident report with the Federal Trade commission, have filed a fraud alert with one of the three bureaus ( which in turn has an obligation to alert the other two as I understand it ) and my last step is putting a credit freeze on my accounts with the three credit bureaus. The process was super simple with XXXX and XXXX   but for the life of me I can't get it in place with Experian. I have tried on-line multiple times and tried to call a litany of numbers and it's impossible to get a human. The end result is the same which is that they want me to mail a bunch of super sensitive information to Texas ( which if it was ever compromised would give someone the ability to do an ID Theft ). There is no way I " botched '' the process, the form is super simple to fill in. It's as if they don't want to let you do this but instead sign up for their paid credit lock product. I've seen other complaints on this and the response from Experian is there is something about my background which gives them pause from an on-line sign up. That's nonsense. I wouldn't be so aggravated by this other than : 1 ) given I'm a recent victim, I want to get freezes in place with all three asap and the mailing process could take some time ; and 2 ) the simple fact that it is impossible to speak to a human. I did read about some functionality where I can upload the information to a secure website of theirs but it is impossible to locate ( or at least I haven't been successful ).
Product: Credit reporting or other personal consumer reports

I was in the process of getting a mortgage in XX/XX/year> when we discovered a charged-off account listed on my Transunion credit report, as well as a collection for said account. I started a dispute on the credit card account through Transunion as well as contacted XXXX XXXX XXXXXXXX to get verification that the account was not mine. After XXXX phone calls with XXXX XXXX XXXX , they were never able to link the account to me after providing my personal information such as social, addresses, account numbers, etc. The charged-off account shows a similarly spelled name, a different middle initial, and the same last name as mine. Also, the account populated a Texas address on my credit report, and I have always lived in XXXX. All of my accounts and records reflect that. Now I show a charged-off account through XXXX XXXX XXXXXXXX XXXX as well as a collection on my Transunion report that is affecting my credit adversely. Transunion did its job investigating the discrepancy, but the dispute came back the same since whoever they dealt with at XXXX XXXX XXXX did not take the time to look into it any deeper. I am at a point of frustration with them considering I have my checking, savings, and credit card that are all in good standing with them.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the account, or inaccurate information, from my file immediately XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have made numerous phone calls and submitted multiple letters requesting that Mr. Cooper resume reporting my payment history to the credit bureaus following the discharge and closure of my XXXX  XXXX case. They have repeatedly told me that this would happen but continue to move the timeline for when it will start being reported again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiry on my report. Was checking my reports and realized there was an unauthorized inquiry on there. 
~XXXX ( XX/XX/2018 )
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Florida Laws Dear CAPITAL ONE, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity fraud laws under Florida Statutes Chapter 817.

It has unequivocally come to my attention that CAPITAL ONE has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Florida state law under Chapter 817 emphasizes the necessity of consumer consent for credit reporting and establishes clear guidelines for the fair reporting of consumer credit information. Specifically, Florida Statutes Section 817.568 criminalizes the fraudulent use of personal identification information, underscoring the severity of unauthorized access and misuse of personal information.

I assert with unwavering certainty that I have not provided consent for CAPITAL ONE to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws.

I demand, with the utmost certainty, that CAPITAL ONE immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Florida Statutes Chapter 817. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Florida state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting.

I anticipate your immediate attention to this matter and expect that CAPITAL ONE will promptly rectify these egregious violations, respecting my rights under federal and state laws.
Product: Debt collection

constant calls, as soon as i answer the phone hangs up, i have to search the number online and find it is always portfolio recovery. I do not have debt with them and the few times i have gotten someone on the phone, its alwasy someone with broken english and i tell them i do not have debt or accounts with them, have told them to stop harassing me but still get 7-9 calls a day from them, easily. 

I have also emailed them to stop calling.
Product: Credit card or prepaid card

after receiving numerous monthly invitations to convert a Citi Simplicity card that I have with the card holder to a Citi Double Cash Rewards card offered by the card holder. whose invitation clearly states no credit inquiry or application required to switch to the new REWARDS card. After going online to the card holders portal it redirected me back to my current held card account once I plugged in the requested information I was immediately congratulated with a New card not a conversion of my old card to the new card. The new card provided a lower credit line than my current card plus it gave a higher interest rate than my current card or even higher than the invitation received? I contacted the card company to inquire about my credit being pulled when the invitation clearly states it would not be pulled or no inquiry made! I was instructed to write a letter disputing the credit pull or inquiry only to receive a letter back one asking for my SS #? Then another letter received stating the credit inquiry was necessary to issue a new card when I again I pointed out there was only suppose to be a conversion of the old card to the new card not a completely new card issued I noted that the interest rate differs from 13.9 to 16.9 on the new card issued from what the invitation states by the card holder Citi. I am perplexed because I did not want a new card simply convert the old card to the double rewards card as the invitation clearly states. Citi Cards Cbna XXXX XXXX  XXXX XXXX XXXX SD XXXX
Product: Credit card or prepaid card

On XXXX XXXX, XXXX, I was charged {$1000.00}. This was a result of someone hacking my XXXX, sending themselves money with my linked credit card. I also received a text from XXXX asking if I authorized this charge and they asked me to text yes or no back. I texted no back hoping that meant they could stop it and freeze my account and whoever hacked it. They also asked me to change my password because it was hacked, so they could see it was hacked from a different XXXX location. I contacted XXXX and they basically said it takes 7 days to figure everything out. After 7 days they basically said there is nothing they could do because the money was sent as friend/ family thus not having their purchase protection but then I explained how it was hacked and they had me change my password because of the hacking etc but they would n't do anything and said that I needed to contact my credit card company. I proceeded to contact Chase on XXXX XXXX, XXXX. After months they sent me a letter saying there is nothing they could do. So now I am stuck with a {$1000.00} charge on my card that has been also charged interest for months with no one willing to help me. Luckily I heard about you guys from one of my business mentors and REALLY hope you guys can make this right! Thanks so much
Product: Credit card

On XX/XX/year>, I created Plan It Plans with American Express. At that time I had a Pay Over Time Limit and Balance. At that time I had used 78 % of my Limit. On XX/XX/XXXX, all subsequent charges went to my Pay Over Time Balance and therefore, reached 100 % usage. I was told that because I created the Plan It plans, my Pay Over Time feature was also activated. I was unaware of this feature being activated until XX/XX/year>. I did not intentionally activate the Pay Over Time. I did not authorize the Pay Over Time feature. It was done simply because I activated the Plan It feature. The Pay Over Time and Plan It plan are two different programs that happen to be connected in this way. The program did not ask me to activate the Pay Over Time and I was unaware it was connect in such a way. The program did not ask me if I wanted to activate Pay Over Time nor did it ask me to De-activate the program once I finished creating my Plan It plans. Therefore, I did not de-activate something I did not know had been activated. I was aware the Pay Over Time program existed and was an Option. I looked at both programs and decided to go with the Plan It program because the interest rate was much better for me. The Pay Over Time interest would have been 29.99 %. That was much too high for my needs. It was important to reverse the Pay Over Time charges because these charges ate up my Pay Over Time Limit. Having that remaining 22 % balance available would have allowed me to reduce my minimum payment due XX/XX/year>. Because the balance was Not available to be to use how I saw fit, I was unable to make my minimum due payment on XX/XX/XXXX. I did pay the majority of the payment but now the account is about to go into a late payment status and my card could be cancelled or a hold put on all future charges. If the Pay Over Time charges had gone to Pay in Full instead, I would have had the balance in Pay Over Time available to reduce my minimum due. I am asking for a reversal of XXXX XXXX XXXX charges from Pay Over Time to Pay In Full so that I may use that balance to create another Plan It plan to take care of the remaining past due balance and not be responsible for a 29.99 % interest rate. I am asking for any negative impact on my credit score to be corrected, removal of any penalties, return of all original benefits afforded to the account and I am asking for my account to be returned in good standing. I have spoke to several representatives from the Plan It department and they say nothing can be done. They are saying they can not help move the charges from one program to another even though I did not know it was being done. They advise me to pay off my total balance to avoid paying the high interest rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Checking over my report today and I noticed some inquires Im not familiar with I tried numerous amount of times to get some information on it but its been passed 30 days and I have not gotten any response please remove this inaccurate information : Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I received an American Express pre-paid online gift card in the amount of XXXX. I tried to use the card at a number of online merchants, XXXX, XXXX XXXX, XXXX, XXXX. The card was declined at every merchant where I tried to use it. The card was activated and there were sufficient funds. 
I called American Express on XX/XX/23 and XX/XX/23 to request assistance. They indicated that the card was being declined because the merchant was marked as fradulent in the American Express system. Every merchant where I tried to use that card was declined. They indicated that I should just keep trying to use it until I found a merchant where it was accepted. They could not provide the name of a merchant or a list of merchants that would accept the card. The merchants were not declining the card, it was american express declining the transactions because they felt the merchants were fradulent. 
I tried a second time to get help from Amex and was transferred to a " supervisor '' who after an hour had still not picked up their phone. The card is unusable. Amex has the XXXX and will not provide assistance on how it can be used.
Product: Mortgage

Formal Complaint Against Rushmore Loan Management Services Dear Consumer Financial Protection Bureau, I am writing to formally submit a complaint against Rushmore Loan Management Services regarding their handling of my mortgage loan ( Loan Number : XXXX ) for the property located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 

Despite multiple attempts to obtain a payoff statement through various communication channelsincluding phone calls, emails, and escrow communicationsmy requests have been consistently ignored. This refusal to provide the necessary payoff information is not only unethical but may also violate federal laws, including the Truth in Lending Act ( TILA ) and the Real Estate Settlement Procedures Act ( RESPA ).

As a result of their inaction, I am facing significant financial strain, as I am currently locked into a loan with an interest rate substantially higher than the current market rates. I have been approved for a new loan with an interest rate three points lower ; however, I can not proceed with closing due to Rushmore 's failure to provide the required payoff information.

Their lack of communication and refusal to fulfill my formal requests constitutes a breach of contract and unfair, deceptive practices, effectively holding me hostage in this loan agreement.

I have made formal requests for the payoff information, which have gone unanswered, and I am now seeking your assistance in resolving this matter. I urge the CFPB to investigate this situation and take appropriate action against Rushmore Loan Management Services for their failure to comply with federal regulations and their unethical treatment of borrowers.

Thank you for your attention to this serious matter. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report under hard inquiries, it shows XXXX  ( XXXX XXXX XXXX card ) as of 1XX/XX/2020.This was suppose to be a soft inquiry and it is under soft inquiry as well.This XXXX should be a soft inquiry