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

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX To : Credit Reporting Agency Subject : Request for Removal of Unveriable Account Dear Credit Reporting Department , I am writing to formally request the removal of an account from my credit report as reported by [ Equifax, XXXX, XXXX XXXX ]. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-o for {$500.00} from XXXX XXXX  listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unveriable debt from my report as of XX/XX/year> According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and veriable. Since XXXX has removed this account after its verication process, I request that you do the same and remove this unveriable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unveriable information must be deleted from a consumer 's credit XXXX. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unveriable information. Since XXXX has deemed this account unveriable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unveriable, I urge you to align its records accordingly. 
Please provide conrmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including XXXX a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non-compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 
I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$13000.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$5000.00} XXXXXXXX XXXX XXXX Balance {$3800.00} XXXX XXXX  Balance {$7900.00} XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX  ) XXXX Balance {$1600.00}
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX Charge off XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX Charge off XXXX XXXX XXXXXXXX XXXX Date XXXX XXXX XX/XX/XXXX Balance : $ XXXX Charge off XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : $ XXXX Late/Closed XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX Charge off XXXX ( Original Creditor : XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} Collection
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a vehicle loan with XXXX XXXX with a payment due date of the XXXX of every month. 

XX/XX/2021 - I was 26 days past due on my monthly payment and requested the payment for the month be extended to the end of the loan. I spoke with a customer service representative named XXXX. During the call, XXXX told me that she would check to see if I was eligible to extend the payment. After checking, she came back and told me that I was approved. I do not recall her telling me that she was emailing me something to sign, but according to XXXX, she did. What she did not do was tell me that I had to have the document back before the extension was actually official and that if I didn't have the document back before the next payment, a 30 day negative report would be reported to the credit bureaus. 

During the call I specifically asked XXXX if the account had been reported negatively to the credit bureaus, she confirmed that it had not and I explained that I was glad and that I didn't want that to happen. Even at that time, the representative did not explain that the extension was not complete and that I needed to have the signed document in before it was. 

At the end of the call, based on information given to me by the representative, I was under the impression that the extension was granted and I was not at all aware that if was not final until the signed document was submitted. 

I did not sign the document until around XX/XX/2021. A couple of days later, I got an alert that something happened with my credit score, upon looking, I saw that I had a negative report from XXXX. 

I called XXXX and told them that I did not recall the rep ever telling me that I had to sign the document, and that I know she did not advise me that the extension was not final until they received the signed document. She DID tell me that the extension was approved. 

I have requested that XXXX remove the negative report since they told me the extension was approved, not conditionally approved. They have declined to change the report. 

On XX/XX/2021 I asked for the recording of the call. On XX/XX/2021 I called and spoke with a representative named XXXX and he told me that XXXX had the recording, but I could not have a copy of it, nor would they let me have a transcript or allow me to listen to the call. 

I believe XXXX was wrong for the negative reporting, since they APPROVED the extension on XX/XX/2021 and did NOT tell me that it was not approved until the document was signed. 

I would like the negative report removed and I would like to hear to the phone conversation or have a transcript.
Product: Debt collection

Called me 16 times in 2 minutes. Ask me to pay speeding ticket which I paid on time 10 years ago. Ask me to show proof. Who keep receipt of speeding ticket for 10 years.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Fraudulent Account - Account Number XXXX Dear Sir/Madam, I am writing to formally dispute the validity of the account listed on my credit report under the name " Jefferson Capital Systems XXXX and associated with account number XXXX. Upon careful examination of my credit report, I was alarmed to discover this account, which has been opened fraudulently and does not belong to me. 

I categorically deny any association with the aforementioned account and assert that it has been fraudulently initiated without my knowledge or consent. Moreover, I am deeply concerned by the apparent lack of compliance with key regulatory statutes, including the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and XXXX XXXX guidelines. 

Specifically, I have not received any prior notice or communication regarding the existence of this account, as mandated by the FCRA, FDCPA, and XXXX XXXX guidelines. The failure to provide me with proper notification of this account is a serious violation of my consumer rights and underscores the urgency of rectifying this matter. 

Furthermore, I am deeply troubled by the potential ramifications of this erroneous entry on my credit report. If this fraudulent account is not promptly removed, I will have no choice but to seek legal recourse through my legal counsel. It is imperative that Jefferson Capital Systems takes immediate action to investigate and rectify this egregious error. 

To support my dispute, I have enclosed a copy of my military orders, which details the fraudulent nature of this account opening and my not being able to open said account. Additionally, I have provided evidence of my whereabouts during the time period in question, further substantiating my claim. 

I demand that Jefferson Capital Systems conducts a thorough investigation into this matter and provides me with a written response detailing the results of the investigation and any actions taken. Furthermore, I expect full compliance with all relevant regulatory requirements, including the prompt removal of this fraudulent account from my credit report. 

Please be advised that all further correspondence regarding this matter should be directed to my legal counsel. Should this dispute not be resolved satisfactorily and the fraudulent account not be removed from my credit report, legal action will be pursued without further notice. 
Thank you for your prompt attention to this urgent matter. I anticipate a swift resolution and the restoration of accuracy to my credit profile. 

Sincerely, XXXX XXXX
Product: Debt collection

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX XXXX  XXXX XXXX/ {$730.00} / XX/XX/2022 XXXX  XXXX HOSPITAL/ {$230.00} / XX/XX/2022
Product: Mortgage

18 months ago I had a solar panel go out. It took them 2 months to fix it. 3 days later I noticed next panel out. Said needed parts and took over 4 months. 3 days later I noted a XXXX panel out and it took 4 months to get to house. Tech came out and said either critters on roof did damage or the wind did it from wires moving. Said he couldnt fix that day it will need a crew to help. He also stated this happens often and it would be covered. On XXXX XXXX, 2024 I noticed system turned off and not reporting. Several phone calls and over XXXX emails I still dont have system operational. It is only XXXX of XXXX panels. I tried to not pay the $ XXXX  monthly charge and got threatening letters. Since I need good credit, I had to pay, and continue to pay for a service that was turned off. XXXX XXXX needs looked into as they are doing this to many.
Product: Debt collection

This is Fradulant account I didn't open. Now they are charging me {$960.00}. I currently have a XXXX XXXX account. But they charging for Cell. I DONT HAVE ANY XXXX XXXX line. Please remove this from record. THANK YOU
Product: Credit card

I did not ask to have alleged debt verified, or if said debt collector felt correct in it actions of reporting my personal information to consumer reporting agencies. I am simply letting you know that it is against federal law to furnish my personal information which may include but not limited to consumer utilization, late payments, or having an account in collection status. If you are reading this but unfamiliar with federal law please forward to your company attorney. 

My account information was placed on my consumer report without my written permission or knowledge. In accordance with the fair Credit Reporting Act, XXXX  you violated my rights. 15 USC 1681 Section 602 A states : I have the right to privacy. 15 USC 1681 Section 604 A Section 2 States : A consumer reporting without my written permission, consent, or instruction. No person shall be held liable for any violations of these Sections. Businesses must maintain procedures to assure compliance with the provision of these Sections.

You are reporting a specific amount this would be considered personal information. 15 USC 1681 A 2 and A 1. You are reporting on this account that congress defines transactions and experiences are not to be included on any consumer report. Willful noncompliance under 1681 N civil liability will hold you liable for any damages, denials of credit or rejections due to inaccurate reporting.
Product: Mortgage

We are retirees seeking funds to repair our home We have a manufactured home which is nearly impossible to finance through a typical mortgage so we thought we would apply for a reverse mortgage. 

We applied to AAG and disclosed everything up front to the salesman who of course said 'no problem ' and assured us of several things he proved incorrect on. We paid, up front for counseling, a notary and appraisal to the amount of XXXX dollars. 

I related my concern that tree roots had disturbed the cinderblock skirt on our permanent foundation and he said 'due to Covid appraisals were no longer inspected on site so it shouldn't be a problem. '.so we paid the XXXX dollar fee Then they wanted an engineer report which we have declined because they, after some insistence on my part revealed that the damage might need to be repaired BEFORE escrow closing.. 

Repairs are why we need the loan but now we've spent {$800.00} only to flush it down the toilet. 

I believe they are busy keeping their Vendors healthy financially so when they feel safe about future real estate values and start approving loans again they will have appraisers et al still in business for their convenience They are extremely inattentive to my calls since their anxious request to send money for the appraisal which took 6 weeks to receive after numerous requests from me as to its whereabouts. 

When I received it was filled with SEE ADDENDUM which basically was a disclaimer for the appraiser since he could not visit the interior of the property, but merely photographed from the street. 

I think they had no intention of closing this deal
Product: Checking or savings account

I want a FULL refund of ALL Unauthorized or Fraudulent transactions within 24 hours. 
I was Frauded by XXXX XXXX XXXX after they ensured me that while my payment was late and I was going through a financial emergency, I was late on payments. I got a lump sum of money I deposited into my Navy Federal Credit Union Account and XXXX XXXX XXXX said that if I paid the past due amount of {$460.00} that day I would not lose my service with them and could continue with service. I could not afford this payment but I did not want to lose service on my account. So I paid the lump sum payment on XX/XX/year>. As soon as I made the payment online, I refreshed the account and it immediately said my account was suspended and now owed over {$1000.00}! They lied to me took my money and still cut off all service and now demand I pay over {$1000.00}. This is fraud. I called and immediately tried to dispute. I asked either to turn my service back on or refund the lump sum of {$460.00} I just paid moments before and after hours of pleading with them, they said they would refund the money but refused to turn my service on which is really what I wanted. I knew they weren't going to refund so I immediately called my bank Navy Federal Credit Union. I told them what just happened and they apologized for how XXXX XXXX XXXX treated me and ensured me that they would be able to reverse the payment for me it would just take a few days to dispute. After 2 months Navy Federal XXXX  XXXX XXXX XXXX refunded my money. I only get paid {$700.00} a month through SSI. With this big payment taken under fraudulent terms, I'm in great financial distress before the holiday and I have no service for my device and now owe over {$1000.00} and my credit is destroyed!. Also. NAVY FEDERAL CREDIT UNION was charging me overdraft fees .. even if I did not have enough money, they would block the transaction from going through, however still charge me overdraft fees every time any charge attempted and was declined. So after complaining that I can't afford to have a bank/ credit union who just takes all my money including money I don't have! So they offered me to opt into their OOPS program. They said with the OOPS program that they forgive like a credit card up to {$500.00} with no overdraft charges. After they refused to refund the {$460.00} from XXXX I was counting on that money to repay the credit but they refused and on top of that even in the OOPS program they charged me over {$200.00} in overdraft fees! I'm getting robbed from all these companies, they are destroying my credit after I worked hard to fix it. Now I'm broke, my credit is destroyed and the holidays are here. This has ruined my entire holiday season credit and life! XXXX and XXXX XXXX both are committing Fraud and Theft of their customers. I demand my money back and I think what's fair is to pay me for the hardships I'm dealing with as well for committed FRAUD and THEFT which are CRIMES!!
Product: Mortgage

On XXXX XXXX my insurance company XXXX XXXX submitted my declaration page showing my homeowners hazard insurance was paid for the year by myself. I requested a reanalysis on my escrow to deduct the monthly escrow for my homeowners insurance. On XXXX XXXX Rushmore loan management performed said reanalysis still including the homeowners insurance in the escrow analysis. 

I contacted Rushmore again and was then told I had to request a cancellation of the escrow for the home insurance which I did. I am now being told by Rushmore they can not cancel the escrow for the insurance part due to their policy requiring the loan to be seasoned for 24 months. 

This became obvious to me that Rushmore is not acting in good faith with their consumers. Rushmore is demanding I pay for 12 months of insurance that has already been paid. I have initiated several phone calls with Rushmore supervisor XXXX to no avail. I am not receiving call backs nor updates via email or the message board on my account. 

I am asking once again that Rushmore deduct the insurance part of my escrow to reflect the correct escrow of only showing escrow for taxes for 12 months currently my escrow is well in the positive not negative so legally there is no reason for Rushmore to be trying to bully consumers to pay for two homeowners policy in one year. 

No good faith effort is being made on my account.
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 Trans Union credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card accounts opened at accounts opened at.XXXX XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ), a Credit card account opened with XXXX XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number ( XXXX ), a credit card account opened with XXXX XXXX XXXX XXXX, on XX/XX/XXXX under the account number ( XXXX ), a phone service account with XXXX XXXX opened on XX/XX/XXXX under the account number ( XXXX ) this account resulted into a collection account with XXXX XXXX XXXX, auto loan account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ), a account XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Payday loan, title loan, personal loan, or advance loan

The loans interest rate is so high its not budging as I pay it ofd. There are these additional insurances on the loan that i think are contributors.
Product: Credit reporting, credit repair services, or other personal consumer reports

After submitting proof to XXXX  and Experian they both continue to report a public record that has been suppressed by their public records vendor ....
Product: Credit reporting or other personal consumer reports

To Experian that whom it may concern regarding issues or concern, on the day XX/XX/XXXX Experian reported a fraudulent account that said to be a collection/ charge off to my report when this was in very good standing payment history since account open until XX/XX/XXXX updated credit report statements. This is Clearly billing errors and in Violation under 15 U.S. Code 1666 ( b ) billing error ( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement. Means the Account that I legally paid in full and reporting to XXXX and XXXX as good standing and never had late is in status as Closed or paid account/zero balance is exactly in 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor/ Under FDCPA Section 807 Violation Misleading False Reporting. 
Immediately Update this to paid on time and never late XXXX with account number XXXX.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I began experiencing issues with XXXX XXXX related to inaccurate and harmful reporting on my credit file. Despite my efforts to dispute this account under XXXX XXXX Account XXXX. : XXXX, the company has failed to correct the inaccuracies and continues to report negative information to the credit reporting agencies. Specifically, XXXX XXXX reported a charge-off with a balance of {$32000.00}, which remains on my credit report, despite my formal dispute. 

I submitted a formal dispute and a Cease-and-Desist request, yet XXXX XXXX continues to report this disputed account to the major credit bureaus ( XXXX, XXXX, XXXX, and XXXX XXXX. This violates the Fair Credit Reporting Act ( FCRA ), as XXXX XXXX has not conducted a reasonable investigation, and the Fair Debt Collection Practices Act ( FDCPA ), which prohibits third-party communication after a cease-and-desist request has been issued. 

Additionally, XXXX XXXX 's response to my dispute on XX/XX/XXXX, failed to address the issues. They placed the account in Cease-and-Desist status but continue reporting negative information, impacting my credit standing. 

I request the CFPB to investigate XXXX XXXX for their failure to comply with FCRA and FDCPA regulations and take corrective action to ensure the removal of the negative reporting from all credit bureaus.