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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit card, balance XXXX XXXX  This is information is incorrect and there were fraudulent charges made on this account XXXX XXXX XXXX credit card, balance, XXXX this information is incorrect please remove, and there were fraudulent charges made on this account
Product: Debt collection

They are contacting me when I am not the debtor, a family member is. I asked them to stop calling, but they harassed me and said they would keep calling until I found my family members contact. They are leaving voicemail messages about the debt with private information in it, they are threatening to come after me - although I have never cosigned on anything for this person - it is getting ridiculous, I just want them to stop calling and harassing me as well as my friends and other family members.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am attaching additional information/documentation that highlight that XXXX XXXXXXXX made a bank error in regards to my account and attempted to withdraw my payment from a bank account that was not mine and had never been present on my account.

Attached is correspondence from XXXX XXXX on XX/XX/XXXX that there are no notes in the comments on the account that I made any change to the online account. 

In that same letter, XXXX XXXX indicated that there was research that I changed my account from XXXX to XXXX, which is contradictory to confirming that I never made any change to the account. 

XXXX XXXX stated that there was insufficient funds in this account from XXXX, and said that my account reverted by for subsequent payments to XXXX, for which every single one of my payments since this account has opened since XXXX of XXXX has been made from. 

Also attached is my payment history on this loan, as well as as a verification letter from my bank XXXX, that confirms that my 3 accounts with them opened in XXXX, which is around 3 years prior to me having an auto loan with XXXX XXXX. In this verification letter, there is not XXXX account that I own that ends in XXXX. 

This connects to XXXX XXXX having an internal banking error, that attempted to withdraw from an account that I have never owned, which has been confirmed by my bank, and is supported by the history of the XXXX payments made to the account from the checking account ending in XXXX. 

This bank error caused my XXXX XXXX to drop by more than XXXX points, and the representative working on the account, and I would like the negative credit reporting as a result of this bank error reversed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my reports for accuracy and I saw a very old account for XXXX XXXX for {$650.00} that was opened in XXXX still reporting almost seven years later. The credit reporting time limit of 7 years from the date of last activity is defined by the Fair Credit Reporting Act. The seven year date is XX/XX/XXXX. I am requesting this account be deleted as its very old.
Product: Credit reporting or other personal consumer reports

My credit report contains inaccuracies regarding late payments that conflict with my reliable payment history. I kindly ask that you fix these mistakes and update my account accordingly.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX Balance {$1400.00} Date Opened XX/XX/XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$11000.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$9700.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$6200.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$4500.00} XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX
Product: Debt collection

RUSHMORE LOAN MANAGEMENT illegally dispersed over XXXX in loans under my identity theft, property loan schemes with XXXX XXXX. 
XXXX XXXX has been cited and fined as follows : XX/XX/2022 WASHINGTON, XXXX Today, the Consumer Financial Protection Bureau ( CFPB ) took action against XXXXXXXX XXXX for illegally accessing its customers credit reports and opening checking and savings accounts, credit cards, and lines of credit without customers permission. XXXXXXXX XXXX pressured and incentivized its employees to sell multiple products and services to its customers, including imposing sales goals as part of their employees job requirements. In response, XXXXXXXX XXXX  employees unlawfully accessed customers credit reports and sensitive personal data to apply for and open unauthorized accounts. XXXX XXXX must make harmed customers whole and pay a {$37.00} XXXX penalty. 

XXXXXXXX XXXX AND RUSHMORE are obstructing investigations and they are suppressing ongoing federal violations in identity theft schemes and also Fairwinds banks aiding in the money laundering fraud by granting same perpetrators new loans for a new property, using my identity and my property as collateral. 
Both perpetrators were deemed officially bankrupt and were ordered to have monitors and management that XXXXXXXX XXXX, RUSHMORE LOAN MANAGEMENT AND XXXX XXXX DID BYPASS UNLAWFULLY. 

I am adding verified proof of obstructions of investigations and the suppressions of fraudulent malpractices, by RUSHMORE LOAN MANAGEMENT that issued {$100000.00} in new money over fraudulent loans supplied to predators. 

I have called and the predatory RUSHMORE LOAN MANAGEMENT personnel will not give me any information, hang up and are in direct interferences of investigations implicating XXXXXXXX XXXX and RUSHMORE LOAN MANAGEMENT in ploy schemes to seize property from victims of verified financial fraud. 

RUSHMORE LOAN MANAGEMENT got desperate and facilitated more fraud by hiring attorneys of XXXX XXXX XXXXXXXX, who also threatened to seize property.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my TransUnion credit profile and I noticed there is an incorrect addresses and names on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT name that should be deleted is XXXX, XXXX. The INCORRECT Addresses that should be deleted are XXXX XXXX XXXXXXXX XXXX  XXXXXXXX XXXX XXXX and there is XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX. 



I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. 

I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting or other personal consumer reports

Within the upcoming 15 days, I am slated to update my credit reports, and I earnestly anticipate the elimination of the following items from my credit file. Permit me to underscore that, as presented in FCRA Section 605b, Credit Reporting Agencies are duty-bound to eradicate any items listed on an identity theft report, reference number # XXXX. The specified items for removal in each bureau are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The debt for internet service that was settled and paid over 6 months ago is still listed on my credit report as a collection account.
Product: Credit card

A letter from Wells Fargo was sent to my parents home address ( used to be my address too last about 8 years ago ) stating that identity verification was needed to open a credit card but I never applied for it. My mother sent me a picture of this letter after opening it. I called Wells Fargo today XX/XX/2024 at about XXXX to inquire about whether or not the credit card application was approved. The fraud department collected my information and told me that there was in fact an open application under my information, and that they would close or deny the application and told me to report this incident on XXXX. XXXX redirected me here.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXX CO XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

When coming out of mortgage forbearance, Loancare repeatedly would not process the paperwork I sent in, delaying the repayment process. I finally had to call in and tell them I had sent paperwork multiple times, they then processed my loan restart with just my signature ( not asking for paperwork again ). I was informed multiple times that the delinquent notices I incurred while they failed to process my paperwork would be removed as soon as I made the first few payments. I have made multiple payments and they are still there. I reached out to loancare to fix the error. They sent me a letter back saying it was accurate. I need it fixed as soon as possible. It is really hampering my ability to get a business loan to grow my business. Thank you for all your help.
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 federal protected customer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX debt amount {$100.00} XXXX XXXX, XXXX debt amount {$930.00} XXXX XXXX XXXX  XXXX debt amount {$100.00} 15 USC 1681 Section 602 A States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a customer reporting agency can not furnish an account without written consent.
Product: Mortgage

I opened my mortgage account in XX/XX/2021. Since I have to pay the school tax in XXXX, the mortgage company, XXXX, requested me to pay it by myself only for the XX/XX/2021. Since then they moved my loan to another company called, Mr. Cooper. 

In XXXX, my lawyer sent a check to the school tax collector and it proceeded. Then, Mr. Cooper sent it again ( double payment ). According to the tax collector ( below is detailed information of the tax collector ), the check has been sent back on XX/XX/2021. 

XXXX XXXX XXXX XXXX 2021 Make Checks Payable to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX, Receiver OR XXXX School Tax Department Due to the problem, I closed my escrow account. Since then, I tried to communicate with them but was not successful. When I email them, I occasionally receive their replies saying that it's not their department and sent me a new phone number OR sometimes, no responses OR sometimes, they just sent me a letter that it will take time. Only valid response I got was on XX/XX/XXXX saying that " We have completed a review of your escrow account. We contacted XXXX and due to double payment there is refund available {$7700.00} and will be deposit back to escrow account. We apologize for any inconvenience this may have caused to you. '' However, even since then, I've never received their message so I have to send multiple emails again. 

In XXXX, I was worried if it happens again because I had to pay another tax in XXXX. So, I contacted them multiple times again but never received any valid response. 

Eventually, I called twice today and yesterday, and they said they will send the information to their tax department. 

I don't know whether it will be eventually solved, but it's already 5 months and I'm still paying for the escrow account that I closed. After I close my escrow account, it only shows that I owe them the tax amount. They said they didn't receive a refund from the tax collector. At this point, I don't know where the check is. So, I have to pay for them every month since then. 

It's very frustrating since talking with their representative takes a lot of time due to their automatic system. And everyone including those who email me back or the representatives I have talked to were saying the same thing, they're not the ones who can solve the issue. What I understand is that their TAX DEPARTMENT is working on that, but I wasn't able to talk to them directly. 

Hope filing this complaint will eventually solve the issue and I can get my remaining amount in the escrow account rather than paying for never-used debt.
Product: Debt collection

To Whom It May Concern, I am writing in response to a recent indication regarding an alleged debt of {$2000.00} discovered on my credit report. Please be advised that I am requesting validation of this debt, as provided for under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Specifically, I am requesting the following : Proof of the Debt : Please provide documentation showing that I owe the alleged debt, including a detailed statement or invoice, and proof that you are authorized to collect on the debt. 

Assignment of the Debt : If this debt has been sold or assigned to your agency, I request a copy of the assignment contract or any other documentation proving that you have legal ownership or the right to collect this debt.

Original Creditor Information : Provide the name and contact information of the original creditor, including the account number with the original creditor, and any agreements or contracts related to the debt.

Itemized Statement : Please provide a full and itemized accounting of the amount owed, including any interest, fees, or other charges. 

Until I receive this requested documentation, I do not acknowledge this debt and request that you cease any further collection efforts until proper validation is provided. 

Cease and Desist Request : In addition to the above, please consider this letter as a formal request to cease and desist all collection activities, including telephone calls, written correspondence, and any other contact regarding this alleged debt. Please note that I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) and demand that you stop contacting me immediately unless the requested debt validation is provided or you are otherwise required to do so by law. 

If you continue to attempt collection without providing the requested validation, I will file complaints with the appropriate regulatory authorities, including the Federal Trade Commission ( FTC ), and my states Attorney Generals office as the Consumer Financial Protection Bureau ( CFPB ) has been notified.
Product: Debt collection

XXXX University ( XXXX ) XXXX TRUE EOS XXXX XXXX XXXX ( XXXX ) XXXX SCAMMER I have a debt with XXXX University and the rep XXXX XXXX stated that they did not sell my debt to anyone. However, a company called EOS and XXXX XXXX lied in order to collect financial information from me.
Product: Mortgage

Predatory lending : unfair, deceptive, or fraudulent lending practices, which imposes unlawful and abusive loan. 
Unlawfully foreclosure while on bankruptcy XXXX. Disallowing the property owners to get refinancing or lower the interest rate and mortgage payment after repeated request to Leander.

Adjustable rate mortgages, 8.0 % ( highest interest mortgages ), and balloon payment loans. Other predatory tactics include charging excessive and/or hidden fees in the amount financed,
Product: Credit reporting, credit repair services, or other personal consumer reports

There is one account on my credit report that is not mine I have tried sending letters and disputes to the bureaus and the furnishers and I have got back nothing. 

XXXX XXXX XXXX XXXX XXXX XXXX  Amt {$580.00}
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 1681XXXX XXXX XXXX {$52000.00}. XXXX XXXX {$20000.00} XXXX XXXX {$100000.00} XXXX XXXX {$8500.00}. XXXX XXXX {$3500.00} have 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.I have a right to opt out of having accounts reported to my consumer report and now I am exercising my rights to do so.remove all accounts list at once.
Product: Debt collection

I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges you claim I owe you. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. 

I notice that you are still reporting this collection on my credit report, which is considered to be a collection activity. You are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by filing a claim in small claims court. These collections on my credit report are causing me severe problems in trying to purchase a home and the damage could lead into the $ 1000s.

You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. In addition, the Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report and under this act. Therefore, if you do not immediately remove this account from my credit report, you are subject to another {$1000.00} fine, plus punitive damages. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 


I intend to follow through with the suit if I do not hear back from you within 15 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a car loan with XXXX bank that I paid off completely due to an accident. Santander bank is reporting to the credit bureau that my account is a charge off account and that is incorrect. I have contacted both the credit bureau and santander bank and this has not been corrected. I received this loan around XXXX. When I called santander bank I was told that since my account went 90 days past due that the bank considered the account charged off despite the fact that I brought the account back into good standing and was making monthly regular payments on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Account left that need to be removed or Block. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT # XXXX. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. XXXX XXXX XXXXXXXX XXXX
Product: Checking or savings account

I've been a customer with Wells Fargo since XXXX. They have great customer service and lots of locations, however, there overdraft fees are awful. For instance, since XXXX of XXXX I've been garnering over {$100.00} in overdraft fees monthly. When I pay my bills from the debit card linked to my account, the funds are available. I spend no money in between, but still seem to end up with overdraft fees monthly. 

I'm attempting to fix my credit and get my savings to together to buy my first home. Every time I think I will get my full paycheck and have a budget, here comes Wells Fargo overdraft fees. 

I would like to file a formal complaint.