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

I have a loan with XXXX XXXX, XXXXXXXX XXXX and XXXX. I have always made my payments on time. For some reason, I realized that there were late payments on my credit report. As you can see, I have always had a stellar payment record with these companies. I tried contacting the 3 Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate thoroughly and please update for 100 % accuracy. Below are the following accounts with erroneous information. 
XXXX XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$320.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries from my credit report. I am a victim of a data breach, and the following account and inquiries were fraudulently added to my credit file. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request your prompt action to remove this information : Fraudulent Account : XXXX XXXX XXXXXXXX XXXX XXXX - XXXX - {$7200.00} Fraudulent Inquiries : XXXX OF XXXX - XXXX XXXX CARD - XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I kept receiving emaila from Avant Credit card that if I made my account current I could continue to use the account. Though I had fallen behind I wanted to get current with my accounts that were behind. On my CRA reports the account kept ahowing as open. 

On XX/XX/24 I paid the account in full. Immediately after paying the account in full Avant reported the account as a charge off.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington DC, XXXX Capital One XXXX XXXX XXXX XXXX, VA XXXX Dear Capital One, Additionally FCRA as a federally protected consumer. Under modern privacy laws, I as a consumer have a legal right to opt out of any activities involving the collection, use, and disclosure of my personal information. In other words, I as a consumer can simply say " NO '' to all data processing activities, from marketing emails to website cookies to the sale of data. However all businesses non affiliates which are investors by law must honor these requests or risk facing significant penalties from the Federal Trade Commission or from the Federal Government. I am now Opting Out on all authorization that includes mailing and solicitation. I the consumer may have given you written Unwritten verbal and nonverbal per 15 USC 6802. 

Under the Privacy Act of 1974 I do not have to provide you with my social security number or my personal information, I am federal protected by the United States Government Under Article 7 of the GDPR The consumers or data subjects who have previously given their lawful consent to a specific data processing activity can withdraw their consent whenever they wish. I can withdraw from any data offers at anytime. 

I am also a DC resident. In Washington DC, DC residents have also rights to Opt Out on all things including non affiliates mailing solicitations. 
I should not receive any other piece of mail from any non affiliates or third parties. 
Thank you for your time and cooperation. 

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

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct for erroneous reporting in my file and is listed on my credit report : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

JPMCB CARD has been calling me, emailing me and sending letters to my address trying to collect on a debt that does not belong to me. JPMCB CARD has called and threathen me to garnish my pay check and to continue reporting information on my credit report that does not belong to me
Product: Debt collection

never received any information about this debt,, not mines maybe fraudulent, ,seize and desist all communication about this debt.. deletion from all credit agencies..
Product: Credit reporting, credit repair services, or other personal consumer reports

The philosophy of XXXX XXXX and XXXX seem to be that they allege you owe a debt and the consumer just deals with it or pays debts that are not theirs in order to finally have them removed from a XXXX XXXX XXXX. This is a direct violation of Federal Law 15 U.S.C. 1681. 

I also disputed the presence of Jefferson Capital Systems being listed on my credit reporting file, I have not received documentation from either XXXX or Jefferson Capital Systems as requested. I have requested signed documentation authorizing the original account be opened in my name and social security number. No documentation was ever provided by either company. I requested this in order to have the signature compared to years of my signatures to assist in prevention of identity theft and to ensure 100 % accuracy of my credit reporting file. 

I have attached a copy of my dispute letters and every tactic they have used to prevent correcting the bad information, up to and including their claim in one letter that they could not even locate my credit file, as you can see in my dispute letters, they were given their own information to identify my credit file. 

How can a credit reporting agency be trusted to ensure accuracy of the information they are reporting, when they can not even locate a consumer file with their own information and a copy of their own report included with each dispute?
Product: Debt collection

XXXX is using multiple debt collection services and continues to collect on an invoice that has already been paid. 
In 2016, the used XXXX from GA and now they switched to Firstsource Advantage LLC. There have been other collection services involved as well, however, I do not have access to the paper any more. 

In all these cases, we provided the sufficient evidence that the payment has been made. XXXX seems to ignore that information and is switching to another debt collection agency.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXXXXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$730.00} U S DEPT OF EDXXXX XXXX Original Creditor : XXXX  XXXX  ) XXXX Balance : {$1700.00} U S DEPT OF EDXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3000.00} XXXX XXXX Balance : {$2300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax must have been hacked again. XXXX XXXX is a company that seems to not exist, yet has found a way to be on my credit report. I have called the number to try to get information about the account, but the number is disconnected. Which I figured because phone numbers in XXXX, NY do not have a XXXX area code. Furthermore, the zip code does not make any sense for it to be an address in XXXX, NY. Lastly, the account says that is 9 years old, which just by time alone, it should not be on my credit report and it says that there were payments made recently on my behalf. I would LOVE to know who made the payments and from what account were the payments made. If this is a government agency, why haven't they contacted me yet? 

Also, a XXXX 's account had appeared but that account was closed and removed years ago. Interestingly enough, it says that I have a {$1300.00} credit limit, but I do not actually have an account with that company. 

Lastly, XXXX still has accounts on my credit reports ( all three reporting agencies ) that should be removed immediately due to their fraudulent mortgage practices as discussed in CFPB file number XXXX. 

Thank you for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 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 Lender is not accurately reporting my credit file with false claims of missed payments.
Product: Checking or savings account

It is believed to be insider Fraudulent activity and violation of the Federal Credit Union Act. 
I request you please conduct a complete investigation to determine the following specifics : XXXX ) exactly who made a cash withdrawal from my Navy Federal Credit Union Checking Account Ending in XXXX ; XXXX ) which Navy Federal Credit Union did the withdrawal occur ; XXXX ) exactly how Navy Federal Credit Union allowed what is believed to be a fraudulent withdrawal occur. 

I XXXX XXXX swear or affirm I did not withdraw {$4300.00} in cash from my Navy Federal Credit Union Checking Account ending in XXXX on XXXX. 

I have a banking Statement as supporting evidence to show a cash withdrawal of {$4300.00} occurred on XXXX.
Product: Mortgage

We refinanced our loan # XXXXXXXX with NewRez on XX/XX/XXXX at the time of closing there was XXXX in our escrow account that should have been refunded. I received a check at the end of XXXX in the amount of {$530.00} instead of the XXXX. I called NewRez on XX/XX/XXXX and spoke to XXXX XXXX, he reviewed me new loan # XXXXXXX and noted that I was correct and 12 months of Insurance was collected at new closing in the amount of {$11000.00} and he noted that it was paid out to the insurance provider. They additionally had also collected 2 months of insurance in the amount of {$1900.00} at the time of closing. He said he can see that the amount of XXXX was still owed to me but it would have to go over to the escrow department to handle. I asked for a direct # to someone in escrow and they stated they could not provide me that information. I called back today XX/XX/XXXX and was given the run around and told that the first person had filled out the information incorrectly for escrow and he didn't believe I was owed the money. At this point, I requested to speak to a manager as I have clear documentation that this amount is owed to me. I asked for proof of payment from my old escrow account to the insurance company and the manager hung up on me. I went out the insurance provider site and it showed that they had only received {$11000.00} from my new loan and did not receive an disbursement from my old loan.
Product: Debt collection

I received a letter from Sessoms & Roger 's, P A dated XX/XX/2022 saying I owe a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax divulged my information without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the fair credit reporting act this creditor, Pennymac Financial Services- Home Loans, has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. As of XX/XX/2024 they have 15 late payments for my home mortgage reported against me, 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Request to describe method of verification To : Whom It May concern : I am writing to dispute a fraudulent charge on my account of {$4000.00}, {$7600.00}, {$9000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

1. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account. 

2. XXXX XXXX  DELAWARE with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7600.00} -This is not my account. 






-COLLECTIONS- 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9000.00} -This is not my account.
Product: Checking or savings account

Good day : I have tried to fix this problem with Capital One with the help of Consumer Financial Protection Bureau Complaint per the following details : Account ending in XXXX Capital One CID : XXXX CFPB Complaint ID : XXXX Capital One responded : " The Spark Business Basic Checking account ending XXXX was originally closed at your request on XX/XX/XXXX '' - THAT IS A LIE! Capital One wrote : " The final closeout check number XXXX for {$970.00} was issued to your address on file. Our records indicate you received this check, and it was paid on XX/XX/XXXX. '' - I NEVER RECEIVED THE CHECK! The " attached paid check copy '' has an error in the signature! - THAT IS NOT MY SIGNATURE ON FILE SO WHY DID CAPITAL ONE PAY OUT THE MONEY? 
XXXX. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of XXXX XXXX XXXX leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Product: Payday loan, title loan, or personal loan

took this payday loan of {$600.00} back in XX/XX/XXXX. As of XX/XX/XXXX i have paid the full {$600.00} however.. the interest rate is going to be extremely difficult as I just recently became unemployed and i still have another 6 weeks of paybacks that i can NOT afford,. i have XXXX  little girls and a household of financial responsibilities and i can not pay those payouts of {$200.00} each for the next 6 payments,. paying back another {$1200.00} is something i can not afford right now and am not even sure if a interest rate of a about 110 % is even right. please help!
Product: Credit card

I had XXXX credit cards with USAA, XXXX accounts i paid off and closed those accounts, I kept the XXXX account and again paid it off, yet they continue to hold my funds long after they received them via ACH. I called was told " Well even though you have a great credit history with us, and paid off the XXXX accounts you closed '' the open account in which you also paid off, we hold the money as long as we can '' i asked why now? was told thousands of people pay large amounts on there accounts but USAA holds them as they can make interest on holding thousands of payments by our customers, thus you can NOT access your funds for about 10 days even thought we have had your full payment we can make interest by holding customers. I was told today 4 different stories on this problem.
Product: Mortgage

I was alerted by SunTrust Mortgage - during the time the ex-wife was applying for a mortgage modification that their was what appeared to be forged signature. 

Apparently a fraud investigation was opened up - but I did not hear a word about it. When going back to the VP of security - I'm now being told that I need too call back and " re-open '' this. 

It feels as through SunTrust does not take fraud very seriously.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I noticed some inaccuracies in billing. The late payments are not consistent with my normal payment history. Please address these mistakes and update my account. Thank you!
Product: Credit reporting or other personal consumer reports

I am writing to you under the gravest concern regarding an unauthorized hard inquiry listed on my credit report. This inquiry has unjustly impacted my credit score and has severe implications for my financial stability and business operations. Despite my efforts to resolve this matter through communication with your team and intermediaries, the inquiry persists, leading me to escalate my concern through this formal complaint. 

The continued presence of this hard inquiry on my credit report is a clear violation of several consumer protection laws, including but not limited to : Fair Credit Reporting Act ( FCRA ), which mandates accurate and fair reporting of consumer credit information. Under the FCRA, consumers have the right to dispute inaccurate information and demand its correction or removal. The failure to promptly address and rectify the disputed inquiry contravenes my rights under this act. 
Fair and Accurate Credit Transactions Act ( FACTA ), an amendment to FCRA, which enhances consumer rights regarding credit information accuracy and privacy. FACTA provides consumers with additional tools to rectify inaccuracies on their credit reports.

Consumer Credit Protection Act ( CCPA ), which encompasses a suite of laws designed to ensure fair and accurate credit billing and credit reporting, among other consumer rights. The unauthorized inquiry infringes upon the principles set forth by the CCPA, as it directly affects my creditworthiness and access to credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I filed an identity theft complaint with the FTC after a XXXX XXXX XXXX XXXX XXXX. XXXX, GA. XXXX came back associated with my social security number during a pre employment background check and credit check. I do not know who this person is. The FTC requested that I get my credit report. When I attempted to get my free annual credit report all 3 reporting agencies denied my request and told me I needed to take additional steps by proving documents for example before they would issue me my free annual credit report. This is not the first time they refused to provide me with my free annual credit report, they refused me in XX/XX/XXXX, and XX/XX/XXXX as well. Without the credit report the FTC said they could not assist me with my identity theft complaint. Again today XX/XX/XXXX during a pre employment background check and credit check conducted by XXXX XXXX XXXX a XXXX XXXX XXXX XXXX XXXX. XXXX, GA. XXXX came back associated with my Social Security number ; again I do not know this person. Again I spoke to the FTC and again they told me to get a credit report and again the 3 credit reporting agencies refused to provide me with my free annual credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these ITEMS ( A ). It is not permissible to fail to validate these reporting ITEMS as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX DC XXXX XXXX XXXXXXXX Balance : {$13000.00} XXXX XXXXXXXX Balance : {$13000.00} XXXX XXXX ( Original Creditor : 01   XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2500.00}
Product: Checking or savings account

I'm contacting yout agency because, after several attempts with contacting my bank XXXX XXXX XXXX ; concerning a hold on my bank account from a hotel for thirty days. I checked out of the hotel last month. The hold is still on my account. The bank will not release the hold. I contacted the hotel. They informed me they contacted merchant services to release the hold of {$170.00} on XX/XX/. However, my bank refused to release the hold on my account. 

Moreover, their leadership contact information isn't available. The complaint process for these types of events is not clear. Finally, their customer reps are below satisfactory. 

Please advise.