23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I called to set my account Rushmore on XXXX, since XXXX when I called Rushmore and talk costumers service representative mess up and took out from my bank account {$120000.00}. On XXXX i agree to pay {$1200.00} to my monthly payment. Every month I would call Rushmore and let them know on the phone and do my payment give me verification code Since then my account tell me my payment when throw even thought it would not show out my end and I would call and confirm with them later on they started locked because of the error from the call center to do payment on online. Ive been calling the call center from Rushmore to try sort out the issue. I was getting harassed by that customer service representative because I kept correcting them saying Im not a mess or Mr. just please call me by my name, on XXXX I spoke with Rushmore rep they confirm my account number and routing number with my bank on the three-way call, the rep got mad and stared yelling at me and my banks because the account wasnt right plus Rushmore rep keep saying that I was paying with credit and not check when my bank confirmed that it was checking account. When I spoke with the rep from Rushmore got mad and hung up that Same day I called back and spoke with the Supervisor named XXXX on XXXX letting them know they know that I didnt see the payment out of my bank account but when I could call they would say it payed and gave me confirmation. Supervisor from Rushmore told me to fax my bank transactions to fax them over. I fax over the information XX/XX/21. I called Rushmore on XX/XX/21 spoke with XXXX told me to call XX/XX/21 so it can be post to my account. The issue never got fix since then when I call I get put on hold and transfer to someone else.Ive been trying to die my payment with checks next call center from Rushmore told me theyre no longer taking online payments that I will have to do checks. I sent them a check and they sent it back to me got rejected twice. Later on I got a letter in the mail saying that they are only requesting cashier checks.Since Ive been with Rushmore Ive only had problems doing payments nothings been sort it out and like Credit got damaged.I called and spoke with customer service Rushmore spoke with the representative saying that they need to speak with me didnt even have Nots nor didnt even know why they wanted to speak with me they told me to call back. I did and they still didnt have Nots nor good communication to tell me what whats updates going on. Rushmore has been giving me the run around and just putting me on hold whenever I call.Ive been trying to pay everything months but they are making difficult.
Product: Money transfer, virtual currency, or money service

I tried to purchase a puppy through a breeder whose website was cleared by XXXX and ran as an ad on XXXX. I was in contact with the owner and they did all of the routine steps in making sure everything went smooth and was consistent with what you would expect of most breeders. After all paperwork was drawn up, I paid {$2500.00} total using XXXX and XXXX for the dog but after noticing some sketchy services afterwards, I realized that I had been scammed. I then reported the operation to the FTC, FBI, XXXX, XXXX and XXXX. I've tried recovering my funds from XXXX XXXX, XXXX and XXXX but they all denied my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : XXXX XXXX XXXX Balance : {$540000.00} XXXX XXXX Balance : {$0.00}
Product: Debt collection

XXXX XXXX {$630.00} reached out multiple times they said to send a letter i did and i never heard back Upgrade unsecured loan charged off on my credit report im not sure the amount it says highest balance {$4200.00} XXXX XXXX XXXX {$910.00}
Product: Student loan

Multiple months now I have received letters from Navient claiming they have n't received my payments when my payments are auto-debited every month. I tried calling several times today and the recording on the phone says they 're closed even though their hours indicate that they 're still open, then the call just hangs up. This is very frustrating because 1. Where is my money going? And XXXX. I do n't want them to falsely report to the credit bureau that I 'm not paying.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in constant contact with Experian Fraud Department in regards to a XXXX XXXXXXXX XXXX XXXX account that was opened fraudulently XX/XX/2021. I have submitted multiple requests to have this account deleted from my credit file. I have sent all relevant documents to support my claim for Identity Theft, I have sent Experian police report, FTC ID theft report and a letter from XXXX XXXX fraud department that states that I am not responsible for this account. Even with all the information/documents I have submitted they continue to refuse to remove this account from my credit file therefore in violation of the FCRA. All of my Multiple requests and been dismissed and denied. I am wanting this matter escalated to the highest department that is able to fully provide a resolution to this fraud issue. If Experian still refuses to remove this fraudulent account I will be forced to seek legal representation and possibly file a lawsuit against Experian. I am hoping it doesn't have to come to that and that this matter may be finally resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and TransUnion credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be not mine.
Product: Payday loan, title loan, or personal loan

I have received numerous phone calls from XXXX from National Credit Adjusters. I received the phone call on XXXX at XXXX and XXXX. I also received calls from them on XXXX at XXXX and XXXX. Debt collectors are allowed 1 phone call a day and then are not suppose to further call you if you tell them to quite calling they are not suppose to call you. All four times they were told to quite calling. They say its a personal business matter and that's all they will say until they confirm they have the right person. Come on why would they call if they didn't have the right person. Please see the attached files.
Product: Mortgage

I have for the last week messaged with Amerihome Mortgage regarding paying my taxes out of my escrow by XX/XX/XXXX I have included my mortgage paperwork showing this is the option I picked. They either don't respond or respond saying they will pay them in XX/XX/XXXX. That is not what my paperwork shows. I have asked to remove taxes from my escrow and I will pay them myself but that is not an option with an FHA loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

False Credit Inquiries were made on my credit reports ( XXXX, XXXX and Equifax ). I had spoken to the Federal Trade Commision and was assured that the inquiries would be removed from my credit
Product: Debt collection

A company from American Express has been calling me on my cell and my home phone number repeatedly every day to collect a payment. I do not have money I recently lost my husband and I have just enough money to live by and pay whatever medical bills I have. I live paycheck to paycheck and I ca n't afford the money they want they keep on requesting a big amount. To make it worse they outsource to XXXX and you always have a XXXX talking to you and you ca n't understand them half the time. This gentleman made me very upset and down. Please help me to stop calling me or get a American talk to me
Product: Credit reporting or other personal consumer reports

I am writing to address a serious issue regarding identity theft and the inaccurate reporting of information on my credit reports. I have previously requested that all debt collectors and reporting agencies involved in this matter properly validate and verify the debts associated with the accounts listed below. Despite these requests, the reporting agenciesspecifically TransUnion, Equifax, and Experianhave failed to conduct proper investigations as required by the Fair Credit Reporting Act ( FCRA ) and continue to report inaccurate and incomplete information. 

The following accounts and inquiries require immediate removal from my credit reports due to identity theft : XXXX XXXX  Account : XXXX XXXX XXXX Account : XXXX XXXX XXXX  Account : XXXX Inquiries : XXXX, XXXXXXXX XXXX XXXX  XXXX As per the FCRA, Section 605B, I am entitled to have any fraudulent or identity theft-related accounts removed from my credit report once I have provided sufficient evidence and made a request for such removal. Under Section 1681i of the FCRA, I also have the right to dispute any inaccurate or incomplete information, and you are required to investigate the matter thoroughly. 

It has been brought to my attention that TransUnion, Equifax, and Experian are actively assisting debt collectors who have been served with a cease and desist letter and have failed to provide the requested validation of debt. These agencies are violating the FCRA by continuing to report accounts without proper verification and by not conducting a full investigation into the fraudulent activity associated with these accounts. 

This is a final warning. If these matters are not immediately addressed and the fraudulent accounts and inquiries removed from my credit reports, I will have no choice but to pursue legal action under the FCRA. I will seek damages and any necessary relief through litigation, including filing a lawsuit against TransUnion, Equifax, and Experian for failure to comply with federal law regarding identity theft and inaccurate reporting.

Please take this letter as my formal notice that any further attempts to report incorrect information related to the fraudulent accounts mentioned will not be tolerated. I expect all erroneous accounts and inquiries to be removed from my credit report within 30 days, as required by law.

Failure to comply with this request will result in legal action and may include reporting violations to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for further investigation and enforcement.
Product: Checking or savings account

XX/XX/2021 : transaction worth XXXX was made to an account ending XXXX. I do not have an account ending in those digits. Chase claims this is a legitimate transaction. But I do not have an account ending in those digits, and I did not make this transaction. How could it be legitimate? I made the claim immediately, the same day as the transaction. This is a fraudulent transaction. I would like for them to return my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ran my credit with several banks on XXXX. EXETER financial will not take the hard inquiry off my credit report, I sent the letter from XXXX XXXX to them showing that they were not suppose to run my credit, they did not have authorization to do this. Exeter financial sent me the letter attached and told me to contact the dealership, I already have, the dealership wrote a letter and said to send it to exeter financial and the other banks. They wont take it off and I have proof they need to. This is unacceptable and fraud at this point.
Product: Credit reporting 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 items 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 item information below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2021 I received a letter from Transworld Systems Inc. In attempt to collect a debt on behalf of XXXXXXXX XXXX XXXX XXXX, Account number XXXX XXXX with a balance of {$2000.00} ; in which I responded asking for them to provide me with the 5 things that constitutes validating a debt, and even thats not validation but nonetheless an allegation unless I agree pursuant to 15 U.S. Code 1692g - Validation of debt ; I continued to respond by Denying all allegations and to cease all contact with me on XX/XX/2021. Transworld Systems Inc. contacted me on several Occasions after telling to cease all contact with me, on XXXX XXXX in which was all on a recorded line, A debt collector for the company TSI by the name of XXXX admitted to fraud by telling me that 1. this was an attempt to collect a debt and 2. that she received my information from someone who I did NOT give permission to give my information to anybody which is a violation of 15 U.S. Code 1692c - Communication in connection with debt collection. ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer. 
I proceeded to ask XXXX if there was a senior executive that I could speak with but I was told that I was speaking with the only person who could help me and that she's not aware of these federal laws stated and that if this alleged debt wasn't paid then an attorney would get involved which would result in a negative furnished to my consumer credit file and fines ; which is a violation pursuant to 1692e. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. TSI contacted me again on XX/XX/XXXX, XXXX at very inconvenient times that I explained to them I was headed to a funeral, which is a violation of 15 U.S. Code 1692c - Communication in connection with debt collection " ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector. a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. Pursuant to 15 U.S. Code 1692k - Civil liability. ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of such additional damages but not exceeding {$1000.00} per violation.
Product: Credit reporting 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 USA 1681. The accounts below have violated mi rights. 15 u.s.e 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 tem of information, other than records of convictions of crimes which antedates the report by more than seven XXXX. 15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furish 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 inaceurate. 
Delete the INQUIRIES below : 1.XXXX XXXX XXXX XX/XX/2023 2.XXXX XXXX XX/XX/2023 3.XXXX XXXX XXXX XX/XX/2023
Product: Vehicle loan or lease

Fiance car through US Auto, but now paying Westlake. They is doing the same thing as US Auto. Saying I'm behind but not. Say I owe {$1300.00} when I only owe for this month and partial payment of last month which is {$200.00}. So how {$600.00} turns into {$1300.00} and they coming to get the car. No calls or nothing.
Product: Debt collection

I file a dispute on XXXX company responded they sent paperwork never recieved any
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX XXXX number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : TRIDENTAM Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries 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: Debt collection

Regarding a collection notice from a company called Afni , Inc.I received a collection letter in the mail for payment on an account ( XXXX ) that I never had. I called the number and they asked for personal information that I did not give them. They provided an address and email that I did not recognize. They mailed me a package to complete an ID THEFT AFFIDAVIT and asked me to mail it back. After researching their company online I noticed many fraudulent collection complaints. I am now providing all the information to stop them from phishing for personal information and file an official complaint.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have attached a copy of my FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) to support my fraud claim. 

According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft or fraud report, credit reporting agencies are required to block and remove any information identified by the consumer as resulting from identity theft or fraud within four business days. 

The following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX - XXXX As required by 15 U.S.C. 1681c-2, I request that this fraudulent information be blocked from my credit report immediately. This information should be blocked for a period of one year, after which I may request an extension of the block. During this period, this information must not be reported to any lender or agency as accurate or verified. 

I have contacted Experian several times regarding these fraudulent accounts on my report, and no solution has been provided. This situation is significantly affecting my ability to obtain financial opportunities, including housing for my family. These negative marks have been removed by other credit reporting agencies but continue to be inaccurately reported and unverified by your agency. 

Additionally, I have requested signed contracts or verification documents from the original creditor associated with these accounts, but I have not received a response within the legally required 60-day period. 

I respectfully request your immediate assistance in blocking and deleting these fraudulent accounts and inquiries from my credit report. I have included the FTC Identity Theft Report to support this request, and I hope you will make a fair and informed decision regarding this matter.