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

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being. 

Listed below are the Personal Information that are being challenged Incorrect DOB XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX, FL, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX Incorrect Name : - XXXX XXXX Employer - XXXX XXXX XXXX  Employer - XXXX  Listed below are the Accounts that are being challenged XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 BE REMINDED BY THIS LAW/VIOLATION : Under 15 U.S.C. 1681 Section 602 A, I am entitled to privacy. According to 15 U.S.C. 1681 Section 604 A ( 2 ), a consumer reporting agency is prohibited from providing an account without my explicit written permission. Additionally, 15 U.S.C. 1681c ( a ) ( 5 ) stipulates that no consumer reporting agency may include in a consumer report any negative information, other than criminal convictions, that predates the report by more than seven years. Finally, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or should reasonably suspect that the information is inaccurate.
Product: Credit card

I am writing to file a formal complaint against Citi Cards for causing me significant harm by closing my credit card account and reporting inaccurate information about my financial status. This action was based on false information that I filed for bankruptcy, which is not true, and the company also added an unauthorized inquiry to my credit report without my consent. 

Issue Summary : Credit Card Company Name : Citibank , N.A . 
Account Number : XXXX Date of Incident : XX/XX/year> Details of Harm : Credit accounts closed, limits lowered Incorrect Bankruptcy Information : I was informed by Citibank , N.A . that they closed my credit card account due to being notified that I had filed for bankruptcy. However, this information is not true. I have never filed for bankruptcy, and it appears that the credit card company either received incorrect information or misinterpreted my financial history. As a result of this false assumption, my account was prematurely closed, which has negatively impacted my credit score and harmed my financial standing. 

Unauthorized Credit Inquiry : In addition to the erroneous account closure, Citi Cards also added a new credit inquiry to my credit report without my authorization. I did not grant permission for this inquiry, and as a result, my credit score has been unfairly impacted. Unauthorized inquiries are harmful to my credit profile and should not have occurred without my explicit consent. 
Details of Harm :
Product: Credit reporting or other personal consumer reports

**Re : Complaint Against Credit Reporting Agencies for Failure to Respond and Correct Personal Information** To Whom It May Concern, I am writing to file a formal complaint against the following credit reporting agencies : [ Name of Credit Agency 1 ], [ Name of Credit Agency 2 ], and [ Name of Credit Agency 3 ], for their failure to respond adequately and correct inaccuracies in my personal information on my credit report. 

1. **Description of the Problem : ** On XX/XX/, I discovered inaccuracies in my personal information on my credit reports. The issues include [ list specific inaccuracies, such as incorrect name, address, or accounts ]. These errors are not only misleading but also have the potential to negatively impact my credit score and financial opportunities. 

2. **Steps Taken for Rectification : ** In an effort to rectify these inaccuracies, I contacted the aforementioned agencies on XX/XX/ and provided them with the necessary documentation to correct my information. This included [ list the documents provided, such as identity proof, address proof, etc. ]. Despite my efforts and provision of adequate evidence, the agencies have failed to respond or make the necessary corrections. 

3. **Impact on Me : ** The lack of action from these credit reporting agencies has caused me significant distress and potential financial harm. The inaccuracies in my credit report may affect my ability to obtain loans, secure housing, or even gain employment, as these reports are critical to these processes. 

I trust that the Consumer Financial Protection Bureau will take this matter seriously and help in resolving these issues promptly. I am willing to provide any further information or documentation as required. Thank you for your attention to this matter.
Product: Mortgage

Capital One was my mortgage company. After I filed a previous complaint with the CFPB, I sent a letter to Capital One to close my escrow account. They sent me a letter back, saying that they had closed it. I pay my own mortgage insurance separate from my payment. About 5 months later, they reopened my escrow account without my permission to force-place flood insurance on my property. I had already gone on the website to upload this document so that they would get it. So now for 8 months, they have been charging me for flood insurance that I already have. Then they told me on the phone that XXXX would now be handling my loan and that a lot of accounts are being transferred to XXXX because Capital One is no longer in the mortgage business. I called Capital One to make a payment and I was told this. I inquired as to whether XXXX was a collection agency and Capital One told me emphatically that they were not. 
Now, I have contacted XXXX to pay on my loan and they advised me that there is a cease and desist order placed on my account. I did not place this on my account. Capital One placed this on my account before it was transferred. So, hence, XXXX could not even contact me for payment. The girl on the phone with XXXX accidentally told me about the cease and desist order, AFTER she even told me that an account manager would call me. Which he can't even call me because of that. Now I have to write a letter to remove the cease and desist order - which I did not even put there in the first place. Capital One needs to get out of the banking business, period. No one who works there can do their job competently.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received multiple alerts from my credit monitoring company advising me that my credit report was being accessed on XX/XX/2022 by XXXX - XXXX XXXX, XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I reached out to these companies to inform them that I hadn't applied for an account with them and to make sure an account wasn't opened. All advised me that no account was established in my name. I then reached out to notify the credit bureau Equifax of the fraudulent inquiries that appeared on my credit report as a result of this attempted fraud. I have made multiple attempts to fix this issue with Equifax to no avail. I have explained the situation to multiple agents, I've sent letters ( per their request ), and I have filed a fraud complaint with the Federal Trade Commision and submitted this documentation to Equifax. 

In accordance with the Fair Credit Reporting Act this violates my rights. It is unlawful to knowingly report inaccurate or fraudulent information on a credit report.
Product: Debt collection

On XXXX XXXX XXXX, Medical Data Systems sent me a settlement offer giving me the opportunity to pay 50 % of the original amount owed ( {$2500.00} ) by XXXX XXXX XXXX ( see Attachment 1 ). However, the date of XXXX XXXX XXXX  has not come to pass and they now are demanding the original amount ( {$2500.00} ) countering their original offer.

I understand that their offer is binding and they can not go back on this offer or continue harrassing me about this amount owed. I already called Medical Data Systems on this past Friday ( XXXX XXXX XXXX  ) and informed them that I will be accepting the offer, however, they have countered their own offer and this is unacceptable. Please see attached for the settlement offer letter ( XXXX XXXX XXXX XXXX  ) and the most recent letter sent to me ( XXXX XXXX XXXX XXXX ).
Product: Mortgage

I have sent PNC a Payoff for my Second Mortgage. The Title Company XXXX the Pay off Check and PNC accepted and signed for the Check on XX/XX/XXXX. Since this time I have been on the Phone with them Daily to try to get them to Pay OFF my second. As of XX/XX/2018 the payoff from the Title company still has not been posted or cashed and now I have the Collection Department contacting me about the monthly payment. 

PNC has confirmed that they have Signed and received the Cashier Check but can not explain why they have not Paid off or Closed my account Any help you can provide I would appreciate it Today is XX/XX/2018 and I am formerly writing a complaint against PNC
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX : XXXX Email : XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Iowa XXXX To Whom It May Concern, I am writing to file a formal complaint against an individual named XXXX XXXX XXXX who falsely represented himself as an attorney while attempting to collect a debt on behalf of XXXX XXXX XXXX XXXX This is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692e, which prohibits deceptive or misleading representations by debt collectors. 

Summary of Events : On XX/XX/year>, I was contacted via email by XXXX XXXX, who claimed to be an attorney representing XXXX XXXX XXXX XXXX in connection with an account allegedly held under my name ( XXXX XXXX XXXX XXXX ). 
During our correspondence, I questioned XXXX XXXX claim, and he reaffirmed that he was indeed an attorney. Based on this assertion, I provided personal information pertinent to the matter at hand. 
However, XXXX XXXX later failed to provide any contact information for XXXX representatives, which raised a red flag. I then requested XXXX XXXX XXXX ID number to verify his credentials. 
Upon requesting this verification, XXXX XXXX immediately ceased communication, further indicating that he had been misrepresenting himself as an attorney. 
XXXX XXXX appears to be an employee of The Moore Law Group, A Professional Corporation, located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Their contact number is ( XXXX ) XXXX. 

Violation of the FDCPA : In accordance with 15 U.S. Code 1692e ( 3 ), a debt collector may not falsely imply or claim to be an attorney, or that communication is coming from an attorney. This was clearly violated in this case as XXXX XXXX falsely represented himself as an attorney with the intention of deceiving me. Such deceptive behavior is also covered under 15 U.S. Code 1692k, which holds individuals accountable for willful violations of the act. 

I have retained the email thread as proof of this misrepresentation and can provide it upon request. 

I respectfully request the CFPB to investigate this matter and take appropriate actions against XXXX XXXX, The Moore Law Group, and any associated parties, including XXXX, XXXX, if they are complicit in employing deceptive practices for debt collection. 

Thank you for your time and attention to this serious matter. I look forward to your prompt response and action. 

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

In accordance with the fair credit reporting at the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC. 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 furnished my account without my written instructions.

15 U. 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 credit reporting act.

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 or other personal consumer reports

I recently received a copy of my credit report. I am concerned about the accuracy of the information being reported. Please Investigated the following accounts as I don't believe the information to be accurate. Please remove the following address from my credit report : XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. Achieve Personal LOA # XXXX. Please verify these accounts. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and Attorney General. I also noticed you are reporting multiple late payments on my credit history. I believe these to be accurate. please check your records and verify the accuracy of each late payment being by your company, XXXX XXXX # XXXX Please verify this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called XXXX to get XXXX items disputed off of my credit report XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX, I have mailed in dispute letters from XX/XX/XXXX to get these disputed off my credit by law!!!!! 

XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX I did not give these Creditors Permission to pull my credit for Any reason ..... 

I have talked to these creditors and they agreed to have these deleted I called Equifax as well to get XXXX items off my credit report XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I sent dispute letters and the credit bureaus claim they never received any letters that was sent
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed this on my credit report - I do n't know what this is. I requested validation from them as soon as I saw it, ( send by USPS with proof, attached ). They have different names listed with the same address. It is listed under experian as. XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX, ( XXXX ) XXXX. Listed under XXXX as XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, WI-XXXX. Listed under XXXX as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WI, XXXX They have failed to validate over and over. According to federal law, if they do not provide me the validation information in a timely fashion, they can not hold me liable, especially when I have no idea what it is for. They have not provided it. I contacted the three credit reporting agencies. I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. I enclose copies of my requests to the agency, asking them to validate my debts, and the receipts showing that I sent these letter. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. I have also requested this information before and they failed to respond
Product: Mortgage

The borrowers HOA is required to provide All In ( all inclusive ) property insurance and has done so since the inception of this development. This insurance has been provided to Mr. Cooper multiple times over the years and has been accepted by the servicer, the same parent servicer, through out the years. RightPath Servicing, now Rushmore but always under Mr. Cooper, has claimed the property insurance provided by XXXX XXXX XXXX is not sufficient. Rushmore Servicing has been asked to provide all documents used in their determination including a copy of the XXXX XXXXXXXX XXXX Declarations. RightPath, Rushmore and Mr. Cooper et al, just continue to provide the same regurgitated responses, this being many pages of irrelevant information in order to appear to be complying with my request and satisfy this complaint. 
If Rushmore is maintaining their position that XXXX XXXX XXXX failed in their duty to insure the property as required in the HOA Declarations then I require a detailed explanation of Rushmores claim. Rushmore ( Mr. Cooper ) must show the language in the XXXX XXXXXXXX Declarations, the property insurance provided by XXXX XXXX XXXX and how the insurance provided by XXXX XXXX XXXX and the borrower differ from the lender placed insurance purchased by RightPath Servicing. 
This is not a duplicate complaint and can not be dismissed as one due to the respondents failure to properly satisfy the request of the borrower.
Product: Debt collection

Credit report showed {$180.00} from Synerprise and I didnt receive any notification about this debt or 30 days to report. The debt has been paid as its medical once I saw it on my credit.
Product: Debt collection

Nissan Motor Acceptance Company and their debt collecting agencies XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX keep sending me letters stating that the debt is not paid when they acknowledged it was paid and even took the money out my account. I received another letter today for a debt that I do not owe.
Product: Debt collection

Hello, I writing to you today because I have been receiving unwanted phone calls from a dept. collector called Lien Receivables LLC. This company has threatened to garnish my wages if not paid by a certain time frame and take me to small claims court. I have received repeated unwanted phone calls from this company. I have asked them numerous times to send me a letter by mail so I could properly address the situation. The supervisor has said he will not mail letters to me because he does not want to inquire that cost. They have threatened to report this to my employer and garnish my wages and take me to small claims court if this matter is not resolved. They even gave me a dead line to pay. Also they have said they were going to offer a {$200.00} credit if paid by XXXX. They speak in circles and do not properly tell me what they are trying to collect on. They have been confrontational and have threatened me. I do not know who these people are and I am trying to confirm if this company is a legit company, this is why I ask for all communication be sent by mail only so I have a record of it. They speak to me in a dominant rude matter and will not listen to me or answer my questions properly. If this company is a legit company they should mail letters out to the people so there is a record of all communication. There is a lot of scammers out there and we are just trying to be careful. 

Respectfully, XXXX XXXX XXXX XXXX
Product: Debt collection

I noticed on my credit report that Plaza servic just place a collection from XXXX XXXX XXXX on my credit report. They are not the original creditor. I never received a collection letter for me to dispute this prior for them placing this on my credit file. I mean for them to do this during this pandemic that the hardships is causing everybody is cruel and inhumane. They will try to claim they did send me a letter so it can stay on my credit file or say they can't find me.
Product: Credit card or prepaid card

My Capital One card Visa had a {$50.00} fee charged for reissuance of two tickets from XXXX at the request of XXXX XXXX when my husband made telephone inquiry. When I tried to dispute the pending charge at Capital One I was told I can not dispute a pending charge by automated answer. 

Next XXXX answered differently after my objection and stated it was from their contract ( one sentence buried in terms and conditions at the end ) .which only arrived with the tickets. Surprisingly, changes in two flights for two people by XXXX XXXX earlier did not bear these up to {$75.00} per person charges. These changes are for even a few minutes I find now from the web. I contacted Capital One today XX/XX/2023 and a man told me I agreed to the charges and could not dispute them. It took him possibly 60 seconds or less to conclude this by contacting XXXX. Capital One heard none of my facts. 

I believe that XXXX is running a scam and possibly targeting XXXX XXXX since it has so many XXXX customers who are more language challenged in some cases. I was not permitted to explain the facts I have mentioned here to Capital One ; Capital One being a major card for the promotion of travel with cash back for travel and favorable overseas purchasing terms might have listened to these facts and asked a few questions. Aggressive emails saying you face risks with your tickets if you do not reconfirm for a change of a few minutes are used to manipulate the customer into these exorbitant and unnecessary charges. 

I wanted Capital One to get me a new credit card number and I would even have paid my bill to get a new number to protect myself from this vendor. Capital One said that I could not get a new number because this is not fraud. I believe that there is a lot of intentional deceit of the customer in pressuring them to reconfirm an airline ticket for a few minutes ' change in a schedule.