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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Apt XXXX XXXX, XXXX XXXX XXXX XXXX Subject : Dispute of Hard Inquiry on my Credit Report Dear Sir/Madam , I am writing to officially dispute a hard inquiry that is listed on my credit report. After reviewing my credit report obtained from your credit reporting agency, I discovered an inquiry that I did not authorize or recognize. I request an immediate investigation into this matter and ask for the removal of the hard inquiry from my credit profile. 
Details of the hard inquiry : 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 Inquired on XX/XX/XXXX I would like to highlight the following concerns regarding this hard inquiry : 1. Unauthorized Inquiry : I have not given consent to these or any other entities to perform a hard inquiry on my credit report. This unauthorized inquiry has been detrimental to my credit score and overall financial well- being.

2. Lack of Information : I am unaware of the specific purpose for this inquiry. I have not engaged in any new credit applications, loan requests, or any other activities that require a hard inquiry during the stated time frame.

3. Possible Error : It is possible that this inquiry has been reported incorrectly, or there may potentially be an identity theft issue. I request a thorough investigation to verify the legitimacy of this inquiry.

In accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to a prompt investigation of this disputed inquiry. Therefore, I kindly request that you initiate the investigation immediately and provide me with a written response within the legally mandated 30-day period.

Please provide me with the following information upon completion of your investigation : 1. Confirmation of the legitimacy of the hard inquiry.

2. The source of the inquiry.

3. Steps taken to rectify any errors or inaccuracies in my credit report.

4. Verification of the removal of the disputed hard inquiry from my credit profile.

5. Updated copy of my credit report reflecting the amendments made.

I understand the importance of maintaining accurate and up-to-date credit information. I respectfully request your urgent attention to this matter and appreciate your cooperation in resolving the dispute promptly.

Enclosed with this letter are copies of relevant documents supporting my dispute. Should you require any further information or documentation from me, please do not hesitate to contact me using the information provided above.

Thank you for your immediate attention to this matter. I look forward to receiving a satisfactory resolution to this dispute within the designated time frame. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

On or about XXXX, XXXX XXXX sold my 2nd mortgage/line of credit to Rushmore Loan Services . Since then, I have had nothing but problems with the company. Below is a synopsis of my complaint : 1. When I obtained the original line of credit ( LOC ) from XXXX XXXX, my property TAXES were EXCLUDED from the contract. I was responsible for paying them directly, which I was. I had made arrangements with my County Tax Department and was making payments directly to them.

2. Just before COVID hit in XXXX, Rushmore changed the terms of the LOC and without warning, took over paying my taxes. As a result, my payment went from approx. {$300.00} per month to {$1000.00} per month. 

XXXX. EVERY attempt to get Rushmore to consider a loan modification did not end in my favor. They refused my last request at modification in XXXX of XXXX. 

4. When I attempted to again work out a payment plan, ( I called in XX/XX/XXXX ) I was told I didn't make enough money and that I needed to sell my house or they would begin foreclosure proceedings. 

5. I asked if I could make payments toward the back amount due ( {$8000.00} ) in addition to attempting to make my regular payment of {$1000.00}, they REFUSED stating they could not accept payments of ANY KIND until the back balance of {$8000.00} ) was paid in full. 

According to the FBI website, " Predatory loans manipulate borrowers into accepting payment terms that are exploitative. They're used by unscrupulous lenders to extract more money through high interest rates or fees theymy original loan obtained my XXXX XXXX. As a result, I am asking that my property taxes be turned back to me so I can pay them as I was. This would then allow me to make lower monthly payments to Rushmore so that the loan could be paid off more quickly.
Product: Credit reporting or other personal consumer reports

After several attempts to try to correct these accounts with the major credit bureaus they have violated my rights as a consumer, I have taken matters into my own hands and reviewed my rights in the fair credit report act law and have found that these accounts violated MANY LAWS. The accounts im referring to are listed below, and I have attached all the errors I am referring to straight from my credit report with marks, as well as cited all the laws they have seem to violated, if not more once I send to my consumer attorney if not addressed ASAP.

15 U.S.C 1681 section 602 A states I HAVE THE RIGHT TO PRIVACY Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Inaccurate Reporting 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the 611 - 15 U.S.C. 1681i 59 disputed information, or DELETE THE ITEM ( S ) from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller 15 U.S.C 1681 Section 604 A Section 2 : states that a consumer reporting agency can not furnish an account without my written instructions. I NEVER GAVE WRITTEN CONSENT TO THESE COMPANIES THE ACCOUNTS IN QUESTION : XXXX XXXX XXXX ALL ACCOUNT NUMBERS ARE LISTED ON THE IMAGE ATTATCHED!!
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate disputes regarding inaccuracies on my credit report. Despite submitting multiple dispute requests, XXXX consistently responds within XXXX hours stating that the account is accurate, without providing any evidence of a thorough investigation. 
This practice appears to violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ). This was highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against XXXX for similar violations XXXX 
I respectfully request that the CFPB take appropriate action to ensure that XXXX complies with federal law by conducting proper investigations and providing consumers with the necessary proof of such investigations. 
These are the accounts I've marked as inaccurate ; XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 
Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

On XXXX occasions, I asked Experian to remove an incorrect New York residence address be from my account. These requests were made to Experian on XX/XX/year> and again on XX/XX/year>. Following the first request, Experian responded by stating that this incorrect address was provided to it by a reporting company and would not remove it. 

I made the same request to XXXX XXXX XXXX. XXXX responded by stating it can not update my personal records with Experian. 

On the last occasion, XX/XX/XXXX, I provided an affidavit confirming that I do not reside and have not resided at this address. This was mailed to Experian and also a reporting company, XXXX XXXX XXXX on the same date. No response has been received. 

They are pointing to one another. This would be otherwise humourous but it is not.

Would you please intervene to resolve this issue. I expect that the same issue may exist with other credit reporting companies. Would you please insure that they each take similar remedial action.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX HOSPITAL DOES NOT HAVE CONSUMER 's Consent to order report, and did not have it on X/XX/2016 when they requested report # XXXX. 

Consumer has never domiciled in XXXX, North Carolina. Consumer has never visited XXXX, North Carolina. Consumer has never been served with or seen any verifiable proof of claim in connection with criminal hit by North Carolina Statewide Records. Consumer declares that this is an inaccurate report. report id # XXXX and # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SENT MULTIPLE LETTERS TO EXPERIAN, XXXX AND XXXX IN AN EFFORT TO HAVE MY CONSUMER REPORTS UPDATED. SO FAR I HAVE NOT RECEIVED ANY RESPONSE AND IT HAS BEEN OVER 45 DAYS. 

The FCRA states the banking is dependent upon the accurate reporting. These inaccuracies are harmful to me as a consumer. 

Please remove every address listed except the correct address listed below. 

XXXX XXXX XXXX XXXX, GA XXXX This is the only correct address. 

There are over 20 variations of a name that is not mine listed. 
The only name that should be listed is XXXX XXXX Again the FCRA states the banking system is dependent upon accurate information. Please update immediately.
Product: Credit reporting or other personal consumer reports

Ive disputed with Trans Union, the deceptive collection account from XXXX XXXX XXXX alleging i owe debts in the amounts of {$670.00} and {$430.00} being reported on my Trans Union credit report. Ive requested Trans union and the collection company to verify I owe such alleged debt, it has been well over 30 days for trans union to investigate the disputed information and they have failed to verify the information. Per the law, 15 usc 1681i 5 ( A ) if the information can not be verified it MUST be deleted from my credit reeport immediately. it is Transunion responsibility to maintain reasonable procedures and 100 % accuracy in the information their reporting. Per 15 usc 1681e ( b ) and they have failed in doing so. Transunion, Is violating the FCRA and if they fail to delete this inaccurate information from my credit file, they must be held liable per 15 usc 1681n
Product: Debt collection

On XX/XX/2018 Experian added a collections account {$5200.00} to my credit profile. Fail to send a written notice of debt before adding it to my credit profile.
Product: Debt collection

On XX/XX/2022 the defendant wrongfully began reporting false and harmful information to the credit bureaus regarding such an account which has never been mine, would have been mine, and whatsoever. I have filed disputes with credit agencies and this has led me to here, a violation of FCRA regulations which protect against harm and financial hardships against consumers. 

Defendant has been sent a refusal to pay letter, per FCRA guidelines and was received in their offices on XX/XX/2022 at XXXX XXXX. The actions resulting from the letter being delivered have been ignored and the consumer is illegally being impacted by the misinformation this business is illegally reporting to the credit agencies. 

It has been 5 business days since delivery and accounts are still reporting illegally and incorrectly on the plaintiffs ' credit reports. The complaint is a demand per guidelines on FRCA this account be removed, any and all attachments to said, individual. I am a victim of identity theft and it is federal due to crimes attached to my credit profile.
Product: Mortgage

I have contacted Amerihome several times to have this issue resolved. My loan company service provider sold my loan to Amerihome and sent them my check for the first mortgage payment. When Amerihome cashed the check, they cashed the check {$400.00} short and applied the amount as a principal payment instead of a mortgage payment. I spoke with a rep who told me to make the additional {$400.00} payment as a principal only payment. They would combine the two principal only payment and apply as a single mortgage payment. It has been weeks. I've called several different times and the incompetent customer service representatives have advised me that the update has been made, but it is not updated on my online account. The last representative informed me that the representatives keep closing out the request without actually doing anything.
Product: Credit reporting or other personal consumer reports

The company has reported erroneously to the credit bureaus that I was late back in XX/XX/2022. I have provided proof to the company of my on time payments and they refuse to remove the entry. Please have this issue rectified as it is the only late payment entry in my credit report with this company.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to dispute recent fraudulent activity associated with my credit report. XXXX XXXX XXXX and BMW FINANCIAL is reporting to the credit bureaus I have an account with them and. I do not or ever have. I have reason to believe that fraudulent verification of debt has occurred without any contractual basis or sufficient evidence. 
Upon reviewing the documentation AND the information from representatives of both parties, it has become apparent that the verification process was not conducted properly & solely through audio recordings, with no accompanying contract or agreement. This raises significant concerns regarding the legitimacy and legality of the verification process. 
As a responsible customer, I have always maintained clear and transparent communication regarding my financial obligations. However, the absence of a formal contract or agreement undermines the integrity of this process and casts doubt on the validity of the verification. 
Furthermore, relying solely on things like audio recordings for debt verification lacks transparency and fails to provide adequate evidence to support the process. Without a written agreement outlining the terms and conditions of the debt verification ( WHICH CAN ALSO BE FABRICATED ), I can not accept the validity of this process. 
I kindly request that both XXXX XXXX XXXX and BMW FINANCIAL ( XXXX ) BE REMOVED OR provide me with the following information to address this matter : A copy of the original contract FROM THE DEALERSHIP THIS LOAN WAS ESTABLISHED FROM. 
Any documentation supporting the use of audio recordings as a valid method of debt verification. 
Clarification on how the verification process was conducted and how it complies with relevant regulations and legal standards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX, XXXXXXXX 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 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: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Earlier in the year I divorced from my ex-wife. As part of the divorce she wanted to keep the XXXX and it is financed through TD Auto Finance in my name. In an attempt to provide the company with her banking information, they deleted the auto pay information which I had setup at the beginning of the loan and never missed a payment. Over a month later as I was reviewing my account for an unrelated issue, I realize I now owe what is about to be two payments. I called and asked what was going on and they blamed me saying I was the one that canceled the auto pay. Why would anyone cancel their own auto pay and then just not pay it for a month and a half causing them to miss their first payment on any account in almost two decades and in the process ruin their credit? They refused to fix it so i made both payments that day and brought the account current. They turned me over to the bureaus as delinquent anyway. I filed a dispute and it came back a few days later indicating no change would be made.
Product: Debt collection

ARBOR PROFESSIONAL SOLUTIONS CLAIM THEY CONTACTED THE CREDIT BUREAUS TO HAVE FRAUDULENT ACCOUNTS REMOVED FROM MY CREDIT FILE ON XX/XX/2019 FROM THE CREDIT BUREAU AGENCIES. THEY RESPONDED TO A COMPLAINT MADE BY MYSELF MAKING THIS STATEMENT. 
I CONTACTED XXXX ON XX/XX/2019 AND SPOKE WITH A REPRESENTATIVE BY THE NAME OF XXXX XXXX. MR XXXX CONFIMED THAT ANN ARBOR PROFESSIONAL SOLUTIONS DID NOT CONTACT XXXX ABOUT THIS ACCOUNT AS THEY CLAIMED IN THE ORIGINAL COMPLAINT MADE AGAINST THEM. MR XXXX SAID THAT THE LAST TIME THIS COMPANY CONTACTED XXXX  WAS IN XX/XX/XXXX OF XX/XX/2019 
IT SEEMS AS THOUGH THIS COMPANY IS REFUSING TO HAVE THESE ILLEGALLY REPORTED ACCOUNTS REMOVED FROM MY CREDIT REPORTS. 
THEY MADE A DISHONEST STATEMENT IN WRITING THAT THEY CONTACTED XXXX ON XX/XX/XXXX WHEN IN FACT THEY DID NOT
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX was current before I was in XXXX. However, when I was in XXXX my XXXX XXXX case was closed. I was not receiving income. How I am ordered to pay XXXX   XXXX why I am in XXXX? XXXX XXXX XXXX XXXX was fully aware of this. I was not responsible for paying XXXX XXXX   why I was in XXXX.
Product: Checking or savings account

I RECENTLY RECEIVED A REJECTION LETTER FROM BANK OF AMERICA TO OPENING A NEW ACCOUNT. I DID NOT APPLY FOR AN ACCOUNT AT THAT BANK. IT WAS EITHER IDENTITY THEFT OR OUTRIGHT FRAUD.. I WOULD LIKE TO PRESS CHARGES ON THE INDIVIDUAL WHO ATTEMPTED TO OPEN AN ACCOUNT UNDER MY NAME WITHOUT MY CONSENT.
Product: Credit reporting or other personal consumer reports

Dates of XXXX. XXXX, XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX. 15 USC 1602 ( I ) I tried applying credit and got denied for my own credit and XXXX Bank accepted my ss # and used my credit application for credit account still didnt get it but company reported to EXPERIAN usage of a XXXX XXXX my credit wanted all XXXX XXXX XXXX removed made dispute them EXPERIAN and XXXX bank they told me to call them back when get file back XXXX  I want them to be liable for information and infringement on my credit And I want XXXX XXXXXXXX and XXXX XXXX held Fair Credit Reporting Act ( FCRA ) and Equal credit Opportunity Act ( ECOA ) just want removal from off from credit
Product: Checking or savings account

Good Afternoon- I unfortunately miscalculated my finances this month and have {$420.00} in overdraft fees. I called the bank and informed them that I understand that this was my fault but I have been a customer of Santander for  over eight years and  would they be able to waive the fees. They informed me that they could only remove  XXXX  of the fees leaving me with an overdraft fee of {$350.00}. As it is right now it is very difficult for me to make ends meet and the {$350.00} overdraft fee is not allowing me to catch up on my expenses. Is there a way to fix this?
Product: Credit card or prepaid card

I Filled In XXXX And I Haven't Received No Benefits Yet
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 XXXX XXXX. # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. # XXXX XXXX XXXX. # XXXX XXXX XXXX. # XXXX XXXX XXXX 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 a account without my written instructions