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

Mailed letters on XX/XX/2024 to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately
Product: Mortgage

XXXX XXXX a XXXX XXXX XXXX XXXX completed a home appraisal for Mutual of Omaha to refinance my current home loan. The appraisal amount came in very low compared to the previous appraisal and online worth. When I looked through the report there were several errors on it. I asked my lender and was told to write up a list of the errors to validate that the low amount is inaccurate. And the lender also stated " this guy really screwed up '' He also stated the XXXX " did not do a good job '' After I provided to list of errors I was then told to call a local realtor and pretend I was interested in selling my home in order to get a market value analysis completed so they could use that for a reconsideration of value. I never received a correct appraisal form. Here is a list of things that was inaccurate. Also the homes he compared to had a lot less acreage. We have XXXX acres and the comp homes had XXXX, XXXX, and XXXX. Also the XXXX put we have XXXX acres. He also put we have XXXX bedrooms and we have XXXX. He said we have XXXX gravel driveway with no carports. We have XXXX main concrete driveway ( which is the one he used ) with XXXX gravel carports, and a XXXX driveway on the other side of the yard that is gravel. He stated we only had a concrete slab as a back porch with no front porch. Our front porch is concrete and its covered. Its in the pictures he took. He did not check mark the boxes that says we have microwave, washer, and dryer and we have all three. He only marked refrigerator and dishwasher. XXXXhe bedroom he listed in the unfinished basement is actually upstairs. The family room he listed upstairs is in basement. He put our upstairs bathtub doesnt work when he never asked or turned it on. It works fine. We have a sunroom the last XXXX ( in 2022 ) listed it as a den, its not even included/pictured in this new appraisal. He didn't include our half acre pond at all. It hasnt rained so the water level is low and the lender mentioned the pond he said it was just a " frog pond '' Its a half acre in size so should add to property value. The definition of a pond is " a small body of still water formed naturally or by hollowing or embanking '' I don't believe it is my job to research comparable properties for them to comp. The ones listed have way less land with it so their value is of course going to be lower than ours. I don't believe Mutual of Omaha or XXXX XXXX works with their consumers best interest. XXXX XXXX of Mutual of Omaha is the lender I was working with that stated our XXXX " did not do a good job '' and " really screwed up '' But no one is fixing the issues. So now we are out {$540.00} for the appraisal and such a low amount we can not move forward with the refinance we were using to debt consolidate and a new roof.
Product: Credit reporting or other personal consumer reports

Reporting negative and old accounts and my credit file and/or credit report. 15 U.S. Code 1681b, credit reporting agencies, XXXX, XXXX, TRANSUNION and all, are reporting on my credit report and file without my written consent.
Product: Debt collection

Unfortunately, despite repeated requests, your company has failed to provide the necessary burden of proof to prove the rent payments claim. This is a serious concern that needs immediate attention and resolution. 

I am left with no choice but to formally demand that your company produce the complete and accurate ledger detailing the rent payments from your client within the next 15 days. Please comply with this demand to ensure I can initiate legal action against your company for engaging in what appears to be unlawful practices through a collection agency. 

Unfortunately, I'm in this situation and must address your company 's lack of professionalism and responsiveness. As a last resort, I have no option but to escalate this matter further by using my attorney. 

Please treat this matter as quickly as possible. I'd appreciate it if you could immediately pay attention to providing the requested proof to avoid legal action. 

I'd like quick action and a solution to this issue within the timeframe I've specified within 15 days of this email.
Product: Credit reporting or other personal consumer reports

XXXX XXXX This account has incorrect information XX/XX/XXXX XXXX XXXX XXXX This is not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect
Product: Credit reporting or other personal consumer reports

This account do not belong to me please remove it from my credit file
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX Account Number : XXXX DP OF EDUC Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am a natural person, I am a living human being. I have rights under 15 USC 1681. XXXX is governed by 15 USC 1781 and they violated my rights numerous of times. I demand the accounts mentioned below to be removed because according to 15 USC 1681 : I have the right to privacy and o did not give XXXX written permission to furnish those accounts Accounts XXXXXXXX XXXX XXXX XXXX All hard inquiries
Product: Credit reporting or other personal consumer reports

I pulled a copy of my credit reports and noticed fraudulent accounts and incorrect information that need to be DELETEDUPDATED. Pursuant to 15 USC 1681A ( 4 ) I am aware of MY RIGHT TO PRIVACY. Pursuant to 15 USC 1981c-2 the following accounts are to be DELETED within FOUR days of receipt of this letter on clear grounds of IDENTITY THEFTALLEGED IDENTITY THEFT as they were NOT originated nor authorized by me to be published. DELETE INQUIRYS : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Update Personal Info : DELETE NAME : XXXX XXXX. DELETE XXXX  : XXXX XXXX. 
DELETE FORMER : XXXX XXXX. DELETE ADDRESS : XXXX XXXX XXXX. ADD ADDRESS XXXX XXXX XXXX XXXX XXXX NY XXXX. DELETE PREVIOUS ADDRESS : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX ADD NAME : XXXX XXXX. ADD EMPLOYER : XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Prepaid card

My email to RushCard sums it up : I have called and called today about the transactions in XXXX of my cards. My name is XXXX XXXX card ending in XXXX # # # and XXXX # # # both had transfers and I received confirmation via text and email plus online but talking to your reps they do n't all of a sudden show my missing money! 

I 'm very upset about this because. Have been hung up on twice, told that it did n't make sense as if you guys do n't have a glitch on your end. My card went from a successful transfer to showing an {$0.00} bal on card ending in XXXX # # # and my other card XXXX # # # does n't show the {$100.00} added with a new balance of {$100.00} it only shows the {$5.00}. 

I asked to escalate this and I asked for a form and was told I can yell, scream and cry but it 's nothing they show so what am I disputing then hung up on! Please review the calls all XXXX of them today. 

My cell is XXXX # # - # # # # and I have sent my complaint the the attorney general as well as the XXXX and unclerush XXXX XXXX via XXXX publicly about the errors and treatment today over the phone. 

See all attachments as I have also uploaded the screen shots on your web as confirmation that this transferred showed over and over that it was completed and successful. The rep said she did n't see any activity on my card ending in # # XXXX since XXXX XXXX which ca n't be right being that I did a transfer from my card XXXX this morning to my other card and XXXX I tried to transfer it back hours and hours later all said it did via text online and email but yet I do n't have my money it 's not reflecting and has disappeared and no one seems to even see what I 've gotten as alerts about my account! 

Where is my money!!!!!!??????? Call and email me today See attached documents and also see online uploads I sent that message last week and I still have n't gotten any replies or phone calls and my cell phone is off, my utility bill is up for disconnect and my rent have been file eviction on because I can not access my account and I 'm missing my money.
Product: Student loan

I refinanced my Federal Student loans to XXXX XXXX and did not receive enough information from them regarding the fact that they would become private loans and the consequences of that decision. Recently ( XX/XX/XXXX ), my income level has been reduced significantly for the foreseeable future and I am having difficulty making my minimum payments. This unfortunately coincided with me restructuring my credit card debt and my credit score is below the minimum of XXXX for that company. I called and was able to receive forbearance for up to 12 months but that would ultimately increase my monthly payments. 
Complaint # 1 : extremely poor communication on the nature of refinancing my student loans initially Complaint # 2 : extremely poor customer service in being able to address my concerns without numerous calls and an inability to reach supervisors to address my circumstance ( calls made XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX, and earlier ) Complaint # 3 : they are unable and unwilling to provide any solutions othan than forbearance for up to 12  months, at which time I will go into default ( email notification of this recieved XX/XX/XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

It is clear to me that a mistake has been made on my credit report. I disputed the accounts with the credit bureaus but end up with nothing. I could not believe they did a full investigation on the accounts I disputed because they are definitely not correct! Account payment history is incorrect, date of last payment is also incorrect. This is ruining my credibility. Please help me remove the errors reporting on XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th request for XXXX  to simply provide the documents proofing this debt is mines with A-1 collection aka Waterfall Revenge Group. XXXX  is the only credit bureaus that's keeping this debt onto my credit report .. this isn't my debt nor will you provide that it is. I have a complaint with Waterfall revenge aka A-1 collection and it has been more that 60 days and still haven't respond back with any kind of proof yet XXXX  is the only credit bureau keeping this on my file. I humbly ask that XXXX respond back with the documentation to proof this debt to be mines ... Even on XXXX the debt has no collection agency name on it ... I have also called the company that Waterfall Revenge Group is saying I owe the money to and they have no record of such debt. 

I have attached all documentation. Showing that only you XXXX  is keeping the debt on my credit report and always how it's not being reported correctly. 

I wouldn't want to take any legal actions. But, if XXXX  doesn't provide documentation that is debt is mines I will do so. 

There are 3 accounts {$50.00}, {$410.00} and {$200.00}
Product: Credit reporting or other personal consumer reports

I am reaching out to report a fraudulent inquiry on my credit report. 
The inquiry from XXXX XXXX on XXXX was not authorized by me and appears to be linked to identity theft. I request that this inquiry be DELETED immediately and that my report be corrected. '' I exercise my RIGHTS to have this Item DELETED IMMEDIATELY. If you dont DELETE SAID INQUIRY in 5 business days. You will be in violation of law according to 15 U.S. Code 1681n - Civil liability for willful noncompliance. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.I am again revoking any permissions given verbal, nonverbal, written, unwritten, implied or otherwise. This is Identity theft! According to 12 CFR 1022.3 Definitions : " identity theft means a fraud committed or attempted by using the identifying information of another person without authority. '' and most certainly do not have my authority.
Product: Credit reporting, credit repair services, or other personal consumer reports

Following the receipt of my credit report late last year from the XXXX, XXXX and TransUnion consumer reporting agencies, I learned of an adverse account from XXXX/XXXX. Said account reported to all three credit reporting agencies under account number XXXX, with a customer number of XXXX. 


I never had an account with XXXX. Disputes with the credit reporting agencies were for naught as XXXX/XXXX merely confirmed the accounts. I complained to XXXX - in writing - and even completed two separate fraud affidavits received by this creditor. I also filed individual complaints with the credit reporting agencies. They were all ignored with an explanation that the account was not misused. 


Once again - I never maintained an account with XXXX/XXXX. This company ignored my concerns despite evidence of identity theft, a return of the required affidavits, and the existence of a fraud alert on my XXXX, XXXX and TransUnion consumer credit profiles. 

I now file my complaint to the CFPB seeking relief.
Product: Debt collection

I have received dozens of emails from this XXXX stating that I owe for a pay day loan that I took out in XX/XX/XXXX and the debt was discharged in a bankruptcy XXXX # XXXX filed : XXXX/XXXX/XXXX & discharged : XXXX/XXXX/XXXX - ( a copy will be attached ) I have told these same people that time and time again. I just co-incidentally received another email from them today which I will attach stating that I will lose my job, that I will go to jail, purporting to be the united states attorney and the list goes on and on. among other things they stated in the email : " My name is XXXX XXXX from XXXX XXXX XXXX. Reason of this email that we have registered a case against you. 
COURT HOUSE Following is your information. 
CUSTOMER ID : XXXX CASE FILE # : XXXX - XXXX LOAN INFORMATION PAST DUE AMOUNT - {$970.00} CREDITOR - XXXX Creditors- XXXX XXXX XXXX which is a parent company of more then XXXX cash websites and internet web portals in USA and operates under different names in different states. 
Apart from getting laid off by your current employer after we send them the legal notice you will be blacklisted from getting any job. 
Through an IRS ( Internal Revenue Service ) your social security number will be put on hold causing severe damage to your credit history or credit report and your income paychecks will be put on hold. 
Any child support, XXXX, unemployment or retirement benefits will be either place on hold or will be stopped until the outcome of the case. 
Our primary job was to notify you about the case before we send you legal document in the mail because once this case gets registered then we wo n't be able to help you out of court. Our client is least interested in getting the money at this point as they want to just go ahead and start taking legal actions however we wanted to contact you and give you last chance to resolve this case out of court. 
If you take care of this out of court then we will release the clearance certificate from the court and we will make sure that no one will contact you in future. 
It may be possible that you may have some financial hardship with you. 
So, we are just giving you a last chance that if you just make a payment by Today then we will close this account as paid in full with XXXX balance. 
We do hope that you will work out with this offer which is of SETTLEMENT AMOUNT - - {$300.00} NOTE : THIS CASE IS UNDER INVESTIGATION WITH MAJOR CREDIT BUREAUS. '' Yours sincerely UNITED STATES ATTORNEY XXXX XXXX XXXX XXXX | Terms of Use | Careers | Complaints | Privacy Policy -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX, XXXX. 
XXXX Monday - Friday : XXXX to XXXX Central Standard Time Saturday : XXXX to XXXX Central Standard Time Sunday : XXXX to XXXX Central Stand Sincerely, XXXX XXXX XXXX XXXX XXXX Support While I know that they have not filed a case against me, I am tired of the harassment that has continued for the last 5 years. 

please stop them from contacting me.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

2 accounts : XXXX XXXX, Original Account Number : XXXX with Receipt # : XXXX and XXXX : XXXX Original Account Number : XXXX, Receipt # : XXXX. This company is refusing to close and update these accounts when payment was made on XX/XX/year>. Made multiple calls but they give nothing but excuses. Either you refund my money or close the paid accounts.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX Subject : Debt Validation Request Under FDCPA Dear XXXX XXXX XXXX, I am writing to request validation of the debt you have contacted me about. Pursuant to 15 U.S. Code 1692g of the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide me with the following information : Proof of Debt : Please provide me with a detailed statement showing the amount of the debt, including an itemized account of all charges and payments made to the account. 
Assignment Contract : If you are not the original creditor, please provide me with the assignment or transfer contract showing that you have been legally assigned the right to collect this debt from the original creditor. This contract should include the original creditors name, the original account number, and the date of assignment. 
Verification of Debt : In accordance with 15 U.S. Code 1692c, please provide documentation that proves your authorization to collect on this debt.

Under 15 U.S. Code 1692g, you must cease all collection activities until you provide the requested validation and proof of your authority to collect this debt. 
Please respond to this request within 30 days from the date of this letter. If you fail to comply with this request, or if you continue to pursue collection activities without providing the required validation, I will consider this a violation of the FDCPA and will take appropriate action to protect my rights. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I received a letter from Rash Curtis & Associates stating I owed {$2600.00} for an outstanding hospital bill. I have asked the hospital & previous collection agency for an itemized invoice. I have never received one. Rash Curtis wants {$3500.00}. I immediately asked them for an ITEMIZED statement. I did not receive a response within five days of my asking. When I did get a response, the statement was not itemized. The enclosed statement was dated on XX/XX/XXXX and clearly says : " ... we will not report it to any credit reporting agency. '' Yesterday, XX/XX/XXXX, after having my credit pulled, I found out not only did Rash Curtis & Associates add this medical bill to my credit ( XXXX so far. Not sure if it is also on my XXXX  ), but they dated it XX/XX/XXXX when the original debt was from XX/XX/XXXX. I have notified them I want this removed immediately.
Product: Checking or savings account

i tried to open hsbc cking acct, gave the wrong phone #, so i when in again. as i would not get that tx, When in to correct the phone # and app denied. I am tried of this bank pullls erroneous info on your cr bur. This is the 2nd time this happen. No other bank XXXX, XXXX, ask questions of erroneous info. I don't know where they get this XXXX from, I want this acct open and XXXX that comes wit it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a fraudulent account - XXXX XXXX XXXXXXXX - opened on XXXX due to identity theft. This is the second time i have had to file this complaint as no response was recieved from the first complaint months ago. The other bureaus have already removed the account from my credit report yet you have not. The following inquiries are also fraudulent inquiries that I did not approve or initiate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX