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

To whom it may concern, As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I previously contacted your company to inform you that I am a Data Breach/ Identity Theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX XXXX XXXX Account Number:XXXX My personal information was impacted by the Equifax data breach XXXX resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! 

XXXX XXXX XXXX XXXX Account NumberXXXXXXXX  My personal information was impacted by the Equifax data breach XXXX resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! 

XXXX XXXX XXXX XXXX Account NumberXXXX My personal information was impacted by the Equifax data breach XXXX resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once!
Product: Debt collection

I called the company on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
XX/XX/XXXX they indicated they would send me an email with the information but only sent me a payment link XX/XX/XXXX - They said they would mail the information XX/XX/XXXX they indicated they would put the account on hold while they obtained the information, but they continued to text me XX/XX/XXXX I asked to speak to a supervisor. He indicated that they had expedited the request and would get back to me by next week. 

They have continued to report the debt on my credit reports and contact me for collections even though they have been unable to support the debt. The Date of birth they have associated with the account is my Ex 's and not mine and the address they were sending notices to was also my ex 's. I have not ever gone to XXXX urgent care and the address and DOB are not mine. It is possible it is for my daughter, but I am not willing to pay for a bill that I have not seen with no supporting information.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, WA XXXX ; XXXX XXXX Bankruptcy Dismissed DateFiled/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Discharged DateFiled/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

This complaint is about the Loan Servicer RUSHMORE LOAN MANAGEMENT SERVICES, LLCOn XXXX/XXXX/XXXX, before the Tenant Protection Act expired on XXXX/XXXX/XXXX, we signed a residential lease with the owner of the property located at XXXX XXXX XXXX XXXX, # XXXX, XXXX XXXX, FL XXXX, for XXXX year which was exended until XXXX/XXXX/XXXX, because the XXXX association took longer to get us approved. The property sold and the purchaser was the plaintiff/bank who is NOT going to occupy the property. We believe we are covered under the TPA because the lease was singed before the act expired. However, the attorney IRA XXXX XXXX representing the Loan Servicer RUSHMORE, is completely ignoring this act and does not want to honor the terms of the lease to allows to stay in the property until XXXX/XXXX/XXXX. He wants us out by XXXX/XXXX/XXXX, in two weeks. 

My questions to you are : Are we covered under this act since we signed the lease before the expiration of the act? What can we do to force them to honor our lease? 
I will be XXXX years old in XXXX XXXX, and need the extra time to find another placeI will appreciate your prompt response to this email and please forward to the the proper enitySincerelyXXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that appears on my credit report. The details of the discrepancies are as follows : XXXX XXXX : Experian is reporting a balance of {$180000.00} across 16 accounts. 
XXXX shows a balance of {$0.00} across all accounts. 
XXXX shows a total balance of {$200000.00} across 6 accounts. 
These inconsistencies are significantly affecting my credit standing and do not accurately reflect my financial obligations. Under the Fair Credit Reporting Act, Section 15 U.S. Code 1602 ( p ), I am entitled to an accurate credit report. I request that the aforementioned discrepancies be investigated and corrected immediately. Previously you have reported one account totally XXXX this has cause great strain on my business prospects and financially stability. And defamation character Section 623 ( e ). The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. 
Please find attached copies of my credit reports from Experian, XXXX, and XXXX highlighting the discrepancies for your review. 

I appreciate your prompt attention to this matter and look forward to your response. Please confirm receipt of this letter and keep me informed of the status of your investigation.
Product: Student loan

Mohela failed to send me a notice of payment due date prior to 30 days before my loan payment was due. I received notification on XX/XX/XXXX for payment due on XX/XX/XXXX, in violation of Education Department policy ( screenshot attached ) This is the same exact issue that happened in XX/XX/XXXX, which caused the Administration to intervene and put everyones payments on hold. I shouldnt have to wait on hold for hours or write to the CFPB for a government-owned company to follow public regulations.
Product: Bank account or service

I have been considering this for some time now and I feel, on more than XXXX occasion and in light of recent events with Wells Fargo, that several transactions have been held so that there can be a NSF fee charged to my account. 
There were several from XXXX XXXX XXXX/XXXX/2016, XXXX actually charged a {$35.00} fee on a {$1.00} transaction. I keep very specific records of my transactions and if any, there should have been only XXXX NSF fee. Everything matched up on XXXX/XXXX/16 with my accounts and the bank transactions, but then suddenly on XXXX/XXXX/16 I was negative XXXX and then I was charged XXXX NSF fee 's. This is ridiculous and absolutely unacceptable! 
I have spoken to a customer service representative and I understand that no one would openly admit that their company is taking advantage of people, but it sure feels that way. I also understand that transactions come through in different times, but some things are just not adding up here. The banking industry has gotten out of hand.
Product: Credit reporting or other personal consumer reports

I reached out to XXXX the original debt collector they couldnt find the account nor had any information to assist
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised and looking at my credit report I see accounts on there that I have absolutely any knowledge of and requesting that they be removed immediately. In concert with the FCRA law if the reporting agencies can not provide physical documentation to the consumer then the disputed accounts shall be deleted. The following accounts are 1 ) Avant, ( XXXX ) {$1300.00} 2 ) XXXX XXXX ( XXXX ) {$860.00} 3 ) XXXX XXXX XXXX ( XXXX ) {$710.00} 4 ) XXXX XXXX XXXX XXXX 5 ) XXXX XXXX  ( XXXX ) {$130.00}
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  AXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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

XXXX, XXXX, and Transunion all verified the following Bankruptcy on my report : US BKPT CT GA XXXX # XXXX. On XX/XX/2020 I requested the method of Verification they used and they did not respond. Pursuant to the FCRA they have 15 days to reposed with their method of verification or the info must be removed. They never resounded so I am demanding they remove this bankruptcy.
Product: Debt collection

The following debt is NOT mine. Weve asked XXXX XXXX for the following and received nothing of what we asked for. Original Contract with my signature, pay off Disclosure, interest Rate Disclosure, balance history, payment history, credit Insurance. Thru this service weve received nothing so far. Attached you can see that this debt started XX/XX/16 ... XX/XX/16 ... XXXX. I live always in Pennsylvania and 4 years is the maximum this company can collect on this debt. The state laws as the Statue of limitations is 4 yrs. So this is over now, and since they can not show me one check of payment from me, this debt on my credit is over.

THRU CFPB last month and the month before we asked XXXX XXXX for proof and received none of the above ( 5 ) contract documents. NOW as of this month the statues are up. Are you Consumer Protection Bureau Not going to Demand that this company, whos been violating my rights for ( 4 ) years, not going to do the right thing by me???
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX i sent XXXX  a letter of complaint stating they are reporting inaccurate and incomplete credit information on my Credit Report. 

Collection Creditor : CERTIFIED BUREAU OF THE SO COL Collection Amount : {$92.00} ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) XXXX  & CERTIFIED BUREAU OF THE SO COL have not responded
Product: Credit reporting or other personal consumer reports

I mailed an Annual Credit Report Request Form to XXXX XXXX XXXX XXXX, GA XXXX requesting my annual report from Equifax, Experian and Trans Union XXXX  XXXX XXXX and never received any of the reports or any response at all. I mailed the same request again around XX/XX/XXXX and still have not received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove these accounts : 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft PORTFOLIO Account Number : XXXX This is not mine. 

7. Identity Theft PORTFOLIO Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft PORTFOLIO RC ( Original Creditor 08 XXXX XXXX Account Number : XXXX This is not mine. 

10. Identity Theft PORTFOLIO RC ( Original Creditor 08 XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy a house and I realized I had damages on my credit report. According to the 15 USC 1681c SEC 604 there should not be any damages to my report .This a defamation to my character.
Product: Credit reporting, credit repair services, or other personal consumer reports

I came across a bankruptcy on my credit report that was not fully verified. I disputed on XX/XX/2021 this information to XXXX and they claimed that it was verified XX/XX/2021. I asked for a description of procedures along with the source who provided them the information. On a phone call XX/XX/2021 they refused to provide the source other than stating that the courts hired a third party to verify the Information. Before filing the dispute I reached out to the court house and they responded to me in writing stating that they don't provide any information to credit reporting agencies or third parties and that they are unaware of how credit reporting agencies get there information. I also provided to the courts an Affidavit of facts that was notarized because I didn't authorize the release of any personal information. I then went on XXXX 's website and came across XXXX and LCI is the vendor for public records in which XXXX records. Problem is, if XXXX did a proper investigation from XX/XX/2021 dispute then they would have realized that XX/XX/2021 XXXX removed the alleged bankruptcy because it was unverifiable. On LCI 's website it states " XXXX, not LCI, matches bankruptcy information to the XXXX consumer credit files. '' Im trying to understand why XXXX would tell me that the court house hired the third party? How can XXXX trust this information if LCI hasn't verified this Information before selling it to XXXX? I want to make XXXX aware that they must fully understand by law that they must fully identify anything they get from a reseller or vendor. This not only includes the name and address but it must include date of birth and full 9 dight social security number. The FCRA also states that a bankruptcy may be on a consumers report up to 10 years but it never stated that it must be on a consumers report. Lastly I pulled a XXXX report with the docket number provided on the consumer report and it lists incomplete information which makes the report unverifiable by not listing all 9 dights of the social security number and does not have any report of a birthdate making it unverifiable. In this complaint is attached of all the evidence that XXXX should have investigated but they failed to do so because they would have to delete the bankruptcy that they erroneously reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX LAKESIDE PL XXXX CA XXXX SSN : XXXX XXXX XXXX. Box XXXX XXXX, TX XXXX According to the Fair Credit Reporting Act, you are required by federal law to verify-through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately Name of Account XXXX XXXX XXXX Provide Physical Verification Creditor 1 XXXX C/O XXXX XXXX XXXX UNKOWN XXXX XXXX  XXXX XXXX, SC XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under XXXX according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit card or prepaid card

I have a Capital One XXXX card. I recently was surprised to learn that a program called the XXXX Account Updater is a part of my card agreement. This is a program that allows XXXX to give new account information to companies seeking payment for recurring payments that ended when the customer had to get a new card. In my case, I informed XXXX XXXX XXXX XXXX that I did not want to renew my subscription. They charged my account anyway on a card that had been discontinued, but they were given my new card information by XXXX. I have tried to opt out of this program, but Capital One does not provide an Opt-out form for the XXXX Account Updater. In checking the internet I see that many other banks that issue XXXX credit cards offer their customers an opt out form for the XXXX Account Updater. 
Capital One tells me to call XXXX directly. I have called them three times and XXXX tells me that the bank who issued the XXXX card ( in this case, Capital One ) must provide me with the opt out form. Capital One repeatedly has told me they do not provide this service. 
I do not want companies to have automatic access to my new account information with out my explicit consent. I know I XXXX have unknowingly agreed to this when I did not read the terms of service, but I understand that other XXXX customers are able to opt out of the XXXX Account Updater, if they have an issuing bank that helps them. Capital One is not helping me.