23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX, Equifax, 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 XXXX, Equifax, 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 Equifax, XXXX, 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 XXXX, Equifax, 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. 

SincerelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted both XXXX as well as capital one and have not had this issue resolved yet after numerous attempts. Inquiries on my credit report that were not authorized by me nor belong to me remain on my report. Inquiry dated XXXX/XXXX/XXXX CAP ONE.
Product: Student loan

Navient did n't let me enrolled  into an Income Repayment Plan  because it kept informing me to put my loans in Forbearance
Product: Debt collection

Onemain is reporting a collections / charge-off to all three major credit bureau 's ( XXXX, XXXX, XXXX ) under Account # XXXX stating I owe a balance of {$5500.00} for a installment loan opened on XXXX XXXX, 2013 and Onemain Financial XXXX XXXX XXXX XXXX , MD XXXX is reporting the same installment loan under Account # XXXX opened XXXX XXXX, 2013 stating I owe a different amount of {$6100.00} causing two highly damaging negative items on my credit score. This is double jeopardy, collection for the same debt.
I have contacted Onemain and filed disputes with all three major credit bureaus and can not get this removed from my credit reports.
Product: Debt collection

I am writing to file a complaint against Monterey Financial Services LLC, located at XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX, for posting a late payment to my credit report when the debt is no longer owed due to their multiple violations of federal laws, including the FCRA and the Debt Collection Act of Texas. 

Monterey Financial Services LLC transferred my loan multiple times without my agreement and without providing me with a new contract to sign. They did not provide me with all the necessary documentation regarding the transfer of the loan, including who the new servicer was, if the payments were going to remain the same, and the new balance I would owe. As a result of their actions, they owe me {$30000.00}. 

Furthermore, their actions have caused me significant harm, including reduced credit and financial damages. I demand that they close out this loan because their violations are now more than what the loan is worth. 

Monterey Financial Services LLC has violated multiple state and federal laws, including : The Fair Credit Reporting Act ( FCRA ) The Debt Collection Act of Texas The Texas Deceptive Trade Practices Act The Truth in Lending Act The Fair Debt Collection Practices Act The Electronic Funds Transfer Act The Uniform Commercial Code Monterey Financial Services LLC 's multiple violations of these laws have caused me significant harm, and I demand that they be held accountable for their actions.
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 : XXXXXXXX XXXX  Account XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX has violated my rights. Or a 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

For the past year, I have been in correspondence with XXXX XXXX XXXX regarding at Walmart account. Prior to bring sue ( unknowingly ) by this company, I provided proof that I have been collecting unemployment benefits since XXXX XXXX. I also sent then another company in XXXX XXXX. On XXXX, XXXX, XXXX, XXXX constable by the name of XXXX XXXX withdrawal funds in the amounts of {$890.00}, which is not the amount owed, from my account without my permission. This practice is against Federal and state of NJ laws when collected monies owed. I am currently on Welfare due to my unemployment benefits being exhausted. This company is refusing to reimburse my funds.
Product: Debt collection

My information was sold to them illegally since I've never had an account with them. Even after trying to rectify the situation by paying what I could and still having the means to survive after paying, they didn't accept my payment offer. We are still in the middle of a pandemic and Ad Astra is still trying to take the entire balance owed to them, which again, was illegally sold to them because my loan was through Speedy Cash not Ad Adstra
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent XXXX, Equifax, And XXXX my identity theft Claim. They are furnishing student loans on my reports that are identity theft and i also never given written permission for these accounts to be furnished on my report pursuant to 15 USC 1681b ( a ) ( 2 ). THIS IS IDENTITY THEFT AND XXXX, EQUIFAX XXXX XXXX HAVE BROKE THE LAW This isnt fair to me and i am losing faith in the system and if these companies want to continue doing business with me, Then they need to remove these accounts off my report. 

I am attaching my identity theft report and my letters that were sent.
Product: Mortgage

In 2010 I had financial trouble and asked for a refinance for lower payments, which they did but I had to sign a lien against my house for over XXXX dollars which is due when my house is paid off. Only XXXX actually went towards my home. The other XXXX the bank PNC Mortgage kept for themselves, I 'm assuming for the fees they charge. I have always been bitter about this and just recently learned about CFPB. Maybe someone can look into what they did and see if it was legitimate.
Product: Credit reporting or other personal consumer reports

I have sent multiple rounds of dispute letters to Experian and XXXX regarding numerous inaccuracies on my credit reports, including incorrect payment statuses, discrepancies in late payment counts, and unauthorized hard inquiries. Despite providing detailed documentation, including evidence of payments and timelines, both credit reporting agencies have failed to properly investigate or resolve these disputes. 

Some disputes were marked as " frivolous '' without valid justification, and the agencies did not provide sufficient evidence to support their findings or corrections. This failure to act in compliance with the Fair Credit Reporting Act ( FCRA ) has caused significant harm, including damage to my credit score and emotional distress. 

I requested the following from the companies : Documentation verifying the accuracy of the disputed accounts. 
Statements of payments made and missed. 
Proof of investigation results and decisions made regarding my disputes. 
To date, neither Experian nor XXXX has adequately addressed these requests. They have failed to comply with their legal obligations under the FCRA, particularly Section 1681o, which requires reasonable measures to ensure the accuracy of credit reports and proper investigation procedures. 

I seek the following resolution : A thorough reinvestigation of all disputed items with written confirmation of the results. 
Correction or deletion of inaccurate or unverifiable information from my credit reports. 
Proof of compliance with FCRA requirements for each disputed item. 
I request that the CFPB intervene to ensure these companies comply with the law and address my disputes promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

SO AFTER VIEWING MY CREDIT REPORT FROM EQUIFAX AND DISPUTING SOME ITEMS OVER AND OVER AGAIN AND THE ITEMS ALWAYS COMING BACK AS " VERIFIED AS ACCURATE '' I DECIDED TO CONTACT THE DISPUTE DEPARTMENT OF EQUIFAX AS WELL AS XXXX. IMAGINE MY DISAPPOINTMENT WHEN I ASKED THE REP " WHAT EXACTLY IS THE INVESTIGATION PROCESS '' AND SHE REPLIES " WE DO NOT INVESTIGATE, WHEN A CONSUMER CONTACTS US ABOUT AN ACCOUNT ON THEIR FILE ALL WE DO IS PUT IT IN E-OSCAR AND IF THE INFORMATION MATCHES AND THE CREDITOR SAYS IT NEEDS TO STAY ON YOUR ACCOUNT THEN THAT IS WHAT WE DO. SO AT THAT POINT THE FACT THAT I HAD TWO OTHER SOCIAL SECURITY NUMBERS ON M XXXX ACCOUNT MADE SENSE BECAUSE THEY DO NOT CARE ALL THEY WANT IS MONEY AND WHATEVER AN FRAUDULENT CREDITOR WANTS TO PUT ON THE ACCOUNT IS FINE WITH THESE COMPANIES. SO WHILE TALKING TO THE REP FROM EQUIFAX AND COMPLETLEY BEING SHOCKED I ASKED HER IF I COULD TALK TO A HIGHER UP DEPARTMENT AND I WAS TRANSFERRED TO THE EXECUTIVE CUSTOMER SERVICE DEPARTMENT WHERE A LADY NAMED XXXX CONFIRMED WHAT THIS LADY SAID. THERE IS NO INVESTIGATION. XXXX DOES ALL THE WORK WHICH EXPLAINS ALL THE INQUIRIES THAT HAVE BEEN ON MY EQUIFAX REPORT. I CONTACTED THE ABOUT A LETTER THAT XXXX XXXX  SENT ME A WHILE AGO ABOUT A FRAUDLENT INQUIRY SAYING THAT THEY HAD SENT THE LETTER OUT TO EQUIFAX AND XXXX ASKING THEM TO REMOVE THE INQUIRY. THEY HAVE NOT REMOVED THAT ACCOUNT AT ALL. I HAVE DISPUTED XXXX, XXXX XXXX XXXX XXXX XXXX SO MANY TIMES AND WHEN I CONTACT EQUIFAX AFTER THE " INVESTIGATION '' IS OVER AND AS THEM FOR INFORMATION SUCH AS WHO DID THEY CONTAT AND A NAMEAND ADDRESS AND POSSIBLY A PHONE NUMBER THEY REFUSE TO ANSWER THAT. NONE OF THE COMAPNIES LISTED ABOVE WILL VALIDATE THEIR DEBT WITH ME AND I HAVE CONTINUED TO MAKE CONTACT WITH THEM SEVERAL TIMES BUT THEY NSIST ON IGNORING ME. YET THE CREDIT BUREAUS SUCH AS EQUIFAX CNTINUES TO UPDATE MY ACCOUNT AND ADD NEW ACCOUNTS. I DONT UNDERSTAND THE PURPOSE OF REGULATING THESE COMPANIES IF THEY ARE GOING TO CONTINUE TO PLAY BY THEIR OWN RULES. THE FDCPA GIVES ME THE RIGHT TO ASK FOR A VALIDATION OF DEBT. IT ALSO SAYS THAT ALL COLLECTION ACTIVITY MUST CEASE WHEN A DISPUTE IS GOING ON SO HOW CAN A CREDITOR VERIFY AN ACCOUNT AS ACCURATE IF IT IS IN DISPUTE. I M ASKING THE CFPB TO GET INVOLVED BECAUSE IT 'S ALWFUL THE WAY EQUIFAX DOES IT CONSUMERS. GOD FORBID YOU ASK TO SPEAK TO A SUPERVISOR BECAUSE YOU WILL EITHER ASKED TO GIVE A CALL BACK NUMBER OR HAVE THE PHONE HUNG UP IN YOUR FACE AT EQUIFAX. I HAVE UPLOADED INFORMATION AS WELL AS SENT IN LETTERS AND THIS CREDIT BUREAU HAS COMPLETLEY IGNORED ME AND I CONTINUE TO DISPUTE THIS INFORMATION! THE LAWS HAVE TO CHANGE FOR THESE BUREAUS ONCE AGAIN AND THERE CLEARLY NEEDS TO BE BETTER REGULATION BECAUSE THEY ARE NOT LISTENING OR EVEN INVESTIGATING THE MESS THAT THEY ARE PUTTING ON OUR CREDIT REPORTS. SOMEONE HAS TO STAND UP FOR THE CONSUMERS BECAUSE THESE BUREAUS ARE ALL ABOUT A PROFIT AND THEY ARE HURTING US AND OUR ABILITY TO LIVE.
Product: Credit reporting or other personal consumer reports

DEAR, TRANSUNION I WOKE UP FRIDAY, AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. I THEN REALIZED. I HAVE BEEN A VICTIM OF A CRIME... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. XXXX XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up to my previous complaint to delete these items in my file : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, CA XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Please find the ATTACHED documents to assist in blocking the erroneous items which are being posted to my report.
Product: Money transfer, virtual currency, or money service

I rely on transferring my money through XXXX XXXX, to my family. Being as that the PNC APPS are sub par at best, I havent been able To use the XXXX application embedded into their app. This leaves me with no other option to switch banks, especially when I am authorizing the use of the app to transfer money to my sick family members. This is terrible and Ive never experiences such bad coding in an app, nor have I ever been told that I couldnt transfer money in the way I see fit! The app never works, and Im at a loss. This needs resolved ASAP!
Product: Student loan

I have two loans. One with Navient and one with Navient DOE ( Dept. of Education ). In XX/XX/2019 Navient DOE moved their payment address to XXXX, Oregon, from XXXX, GA. Since that time both Navient DOE and Navient ( XXXX XXXX, PA. ) have said they are not receiving my payments. I have sent check after check, ( to ensure payments are made and technically overpaying ) and still they are not recording my payments. I am getting 5 robo calls/day, and calls from various phone numbers claiming to be Navient/Navient DOE. I believe they are getting the checks, holding them and charging late fees. I have called repeatedly to clear this up, sent in documentation and have even had my bank call them. I am now photographing each check before I mail them. I owe more now than I did when I took out the loans and I am paying over XXXX/month! I have repeatedly asked them to send photocopies of my checks for verification but they refuse. By the way, Navient and Navient DOE are using the same account number ( XXXX )
Product: Vehicle loan or lease

Money was taken from my financial account after another payment was made for a larger amount, establishment denied the payment was taken even after submitting proof with a screenshot from my financial account. This withdrawal has caused several issues with payments and other important issues.
Product: Debt collection

I am receiving letters from Portfolio Recover Associates, LLC saying that I owe {$1200.00} from a transaction with XXXX XXXX  on XX/XX/2019. I do not have a XXXX XXXX account and believe that this is fraud.I called Portfolio Recovery to say that I did not make this transaction and they are asking for a lot of personal information which I am suspicious of. My attorney advised me to contact the CFPB to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion XXXX and XXXX has reported inaccurate information of my consumer report which has damaged my reputation and and made it harder for me to obtain money or credit services for the benefit of my household. Transunion XXXX and XXXX had reported sixty ( 60 ) inquiries on my consumer report causing my score to drop significantly which hinders my access to my federally protected right to credit. I have since had these removed after hiring a credit sweep company to manage the task. I was then informed that my rights had been violated and I was due actual damages for their carelessness.
Product: Mortgage

I was charged " discount points '' on my loan without my permission or request. Fortunately I read the final paperwork and cancelled the loan, Also the fees for the loan were much higher than market rates. 

Date was XX/XX/XXXX and the amount was {$3000.00} for the points. Company was Quicken Loans
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE AND PURSUANT TO THE FEDERAL CREDIT REPORTING ACT 15 USC 1681 SECTION 602 ( H ) - I HAVE THE RIGHT TO PRIVACY 15 USC 1681 SECTION 604 ( A ) ( 2 ) - A CONSUMER REPORTING AGENCY MAY NOT FURNISH MY INFORMATION WITHOUT WRITTEN CONSENT.

15 U.S.C. 1681 ( B ) PERMISSIBLE PERMISSION TO USE INVOLVING A CREDIT TRANSACTION IN ACCORDANCE TO THE CONSUMER BY WRITTEN CONSENT XXXX, EQUIFAX, AND XXXX HAVE VIOLATED MY RIGHTS BY FURNISHING THE FOLLOWING ACCOUNTS. 

XXXX XXXX XXXX - XXXX ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX - XXXX ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX ORIGINAL CREDITOR : XXXX XXXXXXXX XXXX  XXXX XXXX. 

XXXX XXXX XXXX$220.00} CLOSED 71 POTENTIALLY NEGATIVE MONTHS XXXX  XXXX XXXX CLOSED XXXX LATE PAYMENT XXXX {$0.00} CLOSED XXXX POTENTIALLY NEGATIVE MONTHS XXXX {$0.00} CLOSED XXXX POTENTIALLY NEGATIVE MONTHS XXXX  {$0.00} CLOSED RESOURCE XXXX XXXX - XXXX XXXX XXXX XXXX XXXX According to The Ninth Circuit, in Pintos v. XXXX XXXX Association ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX it decided that without a permissible purpose one is in violation of 15 U.S.C. Section 1681b. Based on this decision, it appears that your agency is in violation of furnishing a copy of my credit report to the below companies. 
As the court interpreted and based on has been done in my case, FACTA clearly states that one only has a permissible purpose for obtaining a credit report under US 1681b ( a ) ( 3 ) ( A ) and when it is only in connection to a credit transaction in which a consumer has participated directly and voluntarily. I DID NOT DIRECTLY AND VOLUNTARILY SEEK CREDIT WITH THE FOLLOWING COMPANIES and they DID NOT HAVE A PERMISSIBLE PURPOSE XXXX XXXX  REPORTERS XXXX XXXX  MORTGAGE REPORTERS XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEALERS, XXXX XXXX  XXXX XXXX XXXX XXXX COMPANIES All Rights Reserved Without Prejudice XXXX XXXXXXXX XXXX XXXXXXXX.
Product: Credit card

Please see below letter to Citi Customer Service - Subject : Fraudulent Charge Dispute Citi XXXX  Card Account Ending in XXXX THE FRAUDULENT CHARGE STILL HAS NOT BEEN REVERSED. I AM REQUESTING REIMBURSEMENT IMMEDIATELY!!!! 

Certified letter sent to Citi below Dear Citi Customer Service, I am writing to formally dispute a fraudulent charge on my Citi Prestige card account ending in XXXX. I noticed this unauthorized charge on my statement dated XX/XX/XXXX and want to ensure this issue is resolved promptly. 

Fraudulent Charge Details : Merchant Name : XXXX XXXX XXXX XXXX XXXX Transaction Date : XX/XX/XXXX Charge Amount : {$1300.00} This charge was not authorized by me or any authorized users on my account. I have no prior relationship with this merchant and did not make or benefit from this transaction. I have proactively taken steps to secure my account, including reporting this matter to your fraud department on XX/XX/XXXX. 

Despite my efforts, the issue remains unresolved after XXXX follow-up calls. My most recent calls were on XX/XX/XXXX, and XX/XX/XXXX. During these conversations, I was informed that while the charge is noted as disputed, representatives are unable to process the dispute because the transaction was associated with a previous card number. 

This explanation is both confusing and frustrating, as I had expected Citi to provide a resolution regardless of the card 's status, given the fraudulent nature of the charge. Under the Fair Credit Billing Act ( FCBA ), I request that Citi : XXXX. Investigate and reverse the fraudulent charge. XXXX. Confirm in writing that my liability is limited to {$50.00} or waived entirely, as required by law. If further information is needed, please do not hesitate to contact me at ( XXXX ) XXXX or XXXX. Thank you for your immediate attention to this matter. I look forward to resolving this promptly. 

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

Credit inquiries from unauthorized sources when I just checked my credit report XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Miscellaneous ) XXXX XXXX, XXXXXXXX XXXX XXXX  ( Miscellaneous ) XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Auto ) XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX  account # XXXX XXXX  has violated y rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states that a consumer agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tired to dispute fraudulent information with this credit bureau because my information was stolen online and used
Product: Student loan

I am cosigner on my daughter 's school loan and I have been paying it but College Ave collection keeps calling me even after the loan has been paid. I have told them to stop I have paid it but they just keep calling.