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

XXXX- Contacted all 3 bureaus and Capital One, XXXX XXXX , XXXX XXXX to report fraud. I submitted police reports and identity verification. Disputes were open but nothing was done. 

XX/XX/XXXX- Contacted all 3 bureaus again ( XXXX  , XXXX  , XXXX  ). Verified police reports were received and identity was verified. Disputes reopened. No accounts resolved XXXX and XX/XX/XXXX- Contacted multiple times and opened more disputes. Nothing was resolved. 

As of XX/XX/XXXX- More disputes opened to dispute fraudulent items. Have to wait until XX/XX/XXXX for updates.
Product: Mortgage

I contacted a mortgage broker XXXX XXXX XXXX # XXXX at Cornerstone home lending in XXXX WA about setting up an appointment for going over the different types of loans that are available so that i could make the determination whether i wanted to buy a house or build a house USDA vs conventional or FHA. That 's when XXXX XXXX replied saying that it would be no problem, so we set up an appointment for XXXX/XXXX/15. He added that we needed to fill out an " online questioner '' which was on his web page under prequalify for a loan. Within minutes, I was notified by a credit reporting agency that he pull a hard credit report. I contacted XXXX and asked him why he did a credit check without asking me and he stated that I asked him to run a credit check and told me congratulations that I was prequalified for the home loan. I never asked XXXX to do a credit check. All I wanted was a consultation to find what type of loan would work the best for me, which was originally stated in the the first email. I originally meet XXXX at low income FHA seminar that was hosted by XXXX So now I 'm concerned that if I want to refinance in the near future that this could effect my interest rates.
Product: Credit reporting or other personal consumer reports

On XX/XX/scrub> 2024, Elan Financial XXXX pulled a hard credit report that I never authorized. I do not know or have ever corresponded with such a company which seems fraudulent. After multiple attempts to reach customer service with the contact number listed in the report, the call unexpectedly drops/fails. There is no way to reach anyone at this company, if it even exists. I put a freeze on all three credit reporting agencies, XXXX, XXXX, and XXXX on XX/XX/year>2024 when it was brought to my attention by a third party credit monitoring service, XXXX XXXX. I am disputing the credit inquiry with all three bureaus and would like to file a fraudulent claim wit the FTC to investigate this company, if possible. and prevent further fraudulent action. Please advise me of how to move forward with this claim. Thank you.
Product: Debt collection

XXXX XXXX continues to call several times daily harassing me and my family, this has been going on for years now. I have repeatedly asked them to stop after they refused to give me any information on what this debit is. They are rude and threatening and refuse to provide any information to corroborate their claim that I owe money. I have no idea what they are talking about and they refuse to stop harassing my family with constant calls all hours of the day.
Product: Credit card

I have a bookkeeper who takes care of all my bills for me. She 's been with me for many, many years. I used to make a lot of money until I had my daughter and became a single mom ... .my daughter was in XXXX. It took all of my time and energy and I could barely work that year. Then the housing market crashed at the same time I could no longer pay my mortgage. I lost my house but did n't go into foreclosure thankfully, I 've always had good credit and before all of this I always paid my CCs off in full each month. 
When I had to move into a small apartment I also had to live off of my credit cards for a while because I literally was n't making enough to survive. I then cashed out my {$70000.00} retirement fund with a HUGE penalty. 
I 've been scraping by and then I think it was last year my bookkeeper says that I 'm paying around {$100.00} a month in interest for my SouthWest Rapids rewards CC. I was confused to say the least? She said I had been over the limit. 
I did n't know why or how that could happen? I remember years ago they would just " decline '' your credit card if you had reached the limit. 
And now I 'm STILL paying around {$98.00} a month EVEN THOUGH I pay OVER the minimum required each month. How can this be? How can they do that? They are literally taking so much money away from me each month. I consolidated my credit cards maybe a year and a half ago to try and get at least a year of no interest. If I had known that Southwest would not notify me or at least " decline '' the card to let me know I 'd reached the limit, I would n't be in this predicament. I mean, it 's really outrageous and I feel so hopeless about it. 
Is there anything I ca n't do or you can do? Anything? I mean, I 'm paying over the minimum each month and they are charging me a little less than half of what I 'm actually paying so then it 's like I 'm paying less than the minimum and the balance will never go down! : - ( Help! XXXX -XXXX
Product: Debt collection

CRA/HIPAA VIOLATION / NO KNOWLEDGE OF FRAUDULENT ACCOUNT DUE TO ID THEFT APPEARED ON MY EXPERIAN CREDIT REPORT. FTC ID THEFT REPORT # XXXX
Product: Money transfer, virtual currency, or money service

I was charged on a bank account that I didnt authorized. When I was doing transaction I went through an instant bank verification where I want the money taken out. But I was still charged on an account that I previously used but not authorized for the current transaction in question. It cause me an overdraft and payment.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Needs to be removed off my credit report
Product: Debt collection

On XX/XX/XXXX, I signed a lease with XXXX XXXX in XXXX, Arizona for a one bed one bath in a 4 bed 3 bath floorplan. I subleased in replacement of a prior tenant who had a personal experience and had to flee.This apartment is for university students and they offer random roommates which was what I was in. I was asked by the front desk verbally to submit an inspection via email since my resident portal was under technical difficulties since it was a sublease situation. I did as requested, I submitted all damages and prior usage of the communal areas, my room and bathroom area that I was accountable for. It was submitted on XX/XX/XXXX due to the technical difficulties they could not solve and the waiting process was not useful. This issue was solved verbally in the managers office at the property of University House. I added in descriptions of the damages. It was accepted by the XXXX XXXX XXXX verbally and also via email since they announced they received. XXXX XXXX  requested {$20.00} by every tenant in the apartment for a damaged couch in the communal area on XX/XX/XXXX which was already there prior to me moving in. I sent in the request for dispute since I announced it was damaged prior of moving in. They accepted my dispute due to evidence via email. Post my move out on XX/XX/XXXX, I let them know to please utilize my email so they wouldn't make the mistake of wrongfully charge me for damages. They replied XX/XX/XXXX via email yes acknowledging my email and told me to wait on disputing charges until a statement came in from them. I waited. On XX/XX/XXXX I checked in with them if they had time to check and dispute the charges. That's when I suddenly received the finalized statement of University House trying to collect the total of {$560.00} from me with false damage charges. On XX/XX/XXXX, I reminded them about my email and situation about the inspection submitted via email. They never replied to calls or emails which then led these false charges to the collection agency of Aldous and Associates : for damages that I am not reliable for. I attempted to dispute with the debt collection agency on XXXX of XXXX with concrete evidence. However, they denied my dispute upon the reasoning being none at all and sent back the lease of XXXX XXXX to my mailing address as their response. No other reliable reasoning. I want help with disputing the total amount of damages I was not reliable for : the total of {$560.00}.
Product: Debt collection

Midland Funding filed a lawsuit against me a year ago attempting to collect on a debt I do not recognize. The only evidence they have provided is a single affidavit from an employee of Midland XXXX. I believe it to be a robo-signed affidavit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, DE XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Subject : Request for Method of Verification and Continued Dispute of Charge-Off Account # XXXX To Whom It May Concern, I am writing to follow up on my previous dispute regarding the charge-off listed on my credit report under the account # [ Account Number ]. I previously sent a dispute letter requesting the removal of this charge-off based on the 1099-C form I received, which indicates that the debt was canceled.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method you used to verify the accuracy of this charge-off. Specifically, I request : 1. The method used to verify the accuracy of this charge-off.

2. The name and contact information of the person or entity that provided the verification.

3. Copies of any documents or records used in the reinvestigation process.

The FCRA 611 ( a ) ( 1 ) requires you to conduct a reasonable reinvestigation of the disputed information. Since I have provided evidence that the debt was canceled, the charge-off should not be reported. If the information can not be verified, it must be deleted from my credit report as per FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with the requested information and update my credit report accordingly. I expect a response within the XXXX period allowed by law. 

Sincerely, XXXX XXXX
Product: Debt collection

Gatestone company has been trying to collect a debt on behalf of XXXX XXXX. They call at least 9 times a day. 4-5 times on my home phone and 4-5 times on my cell phone. They call before XXXX  XXXX  and after XXXX   XXXX. They call on weekends and holidays. They called at XXXX  XXXX  on XXXX XXXX XXXX. I have asked them to stop  calling me, that I have disputed the amount of the debt, that I worked it out with XXXX and am on a payment plan and they do not stop calling. The last person to call was XXXX XXXX. She refused to listen to me in any way. The men who call are abusive and shout at me. As soon as I block one number, they call from another number. This is so abusive. This needs to stop.
Product: Debt collection

Southern Management XX/XX/2018 amount : {$100.00} I am the natural person, Creditor and Consumer according to 15 USC 1692a ( 3 ) - defines Consumer Pursuant to 15 USC 1681c-2 blocking of information resulting from identity theft.

15 USC 1681 ( 4 ) 15 USC 1681b 15 USC 1681b ( a ) ( 2 ) Which comprehensibly states that the only permissible purposes of consumer reports by any consumer reporting agency may furnish a consumer report only under the following circumstances and no other and is in accordance with the written instructions of the consumer to whom it related
Product: Debt collection

On XX/XX/2019 at approximately XXXX XXXX ( AZ time ). US Collections West contacted me in an attempt to collect on a debt. I am currently in an active Chapter XXXX Bankruptcy. When I told the representative that he said that he got notice that my case was dismissed on XX/XX/XXXX. That is absolutely false. He went on to ask me if I would like to resolve the debt before he submits a wage garnishment. I told him that he can not do that do to the bankruptcy an his company never submitted a POC in regards to the debt. This company was properly notified from the courts in regards to my case. This is the second time that this company has violated the law when is come to how the collect on debt.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, the affiant, submit this affidavit with clean hands as the living woman to address unauthorized actions by this credit reporting agency, known as XXXX, XXXX, XXXX and other third party companies. 

This affidavit addresses serious issues, including character defamation and identity theft, as defined in 16 CFR 603, which prohibits the use of another person 's identification without authority.

In relation to the permissible purposes of consumer reports under FCRA 604 ( a ) ( 15 USC 1681b ), it is asserted that there was no written consent from me, the consumer, for this consumer reporting agency to furnish and house my information without lawful authority. While 15 USC 6802 may suggest exclusions, it also states that the consumer reporting agency is in accordance with the Fair Credit Reporting Act.

According to 15 USC 1681a ( 2 ), transactions between the consumer and the person making the report are supposed to be excluded from my consumer report. These rules of construction govern the terms, emphasizing that such actions must not appear on my report without proper authorization. 

With this in mind, if you assert that I received goods or services in exchange for any of these unauthorized transactions reported on my consumer report, you must provide a signed and notarized affidavit from a party within your corporation who is authorized to do so and possesses firsthand knowledge of these transactions. 

I demand the following actions to protect my reputation as the consumer : 1. Delete all risk factors immediately to safeguard my reputation.

2. Remove all inquiries permanently from my credit report.

3. Remove any fraud alert once all matters have been resolved.

4. Eliminate any delinquencies immediately.

5. Restore or delete any late payments from my credit history.

The presence of multiple installment and revolving accounts with delinquent or derogatory statuses, along with insufficient credit history, negatively impacts the consumer 's credibility and perceived financial reliability, potentially limiting their access to loans, credit, or housing, while also representing private matters that should not be publicly disclosed. 

The principle that is it a fault to meddle with what does not belong to or does not concern you underscores the gravity of these violations. My rights have been compromised, and I hereby demand the blocking of associated information pursuant to FCRA 605 ( b ) ( 15 USC 1681c-2 ). My request to block is made in good faith and is not based on any misrepresentation of facts. My nonpublic personal information has been unlawfully disclosed, resulting in defamation and emotional distress, which have hindered my pursuit of happiness.

Furthermore, I will not accept a wrong without remedy. Should these matters not be resolved promptly, I will pursue civil action under 12 CFR 229.21 ( Civil Liability ) and 15 USC 1681n for each instance of non-compliance. 

I affirm that all statements herein are true and correct, and I have attached a list of accounts opened due to identity theft.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act XXXX account XXXX, has violated my rights. 
15USC 1681 section 602 states i have the right to privacy.

15USC 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Experian XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Formal Complaint Regarding Failure to Reinvestigate Account XXXX XXXX XXXX XXXX 

Dear Sir/Madam, I am writing to file a formal complaint regarding a critical issue with the reinvestigation process on my credit report, as mandated by the regulations outlined in 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ). Experian has failed to remove a late payment from my XXXX XXXX XXXX account , despite the necessary steps being taken on my part to rectify this incorrect information. 

I recently disputed the presence of a late payment on my XXXX XXXX XXXX  account , which has been negatively impacting my credit history. According to the Fair Credit Reporting Act, I have the right to an accurate and fair credit report. After my dispute, Experian was obligated to conduct a reinvestigation into the matter and ensure that any inaccuracies are promptly corrected. 

Despite this statutory obligation, Experian has failed to carry out a proper reinvestigation and correct the inaccurate information on my credit report. This negligence has not only affected my credit score but also compromised my financial well-being. 

I request that Experian urgently investigate this matter and ensure compliance with the regulations stipulated under the law. I am seeking prompt action to rectify this error and restore the accuracy of my credit report. 

Attached to this letter are supporting documents relevant to my case, including copies of correspondence with Experian and XXXX XXXX XXXX XXXX I appreciate your attention to this matter and look forward to a swift resolution. 

Thank you for your prompt assistance in this regard. 

Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Jpay I was incarcerated in prison from XXXX until XXXX. My family kept putting money on my account. It was never there when it was suppose to be or available when it time to order canteen. On holidays we could never talk to our families because jpay would always be down.
Product: Credit reporting or other personal consumer reports

I am REWRITING to LVNV FUNDING LLC to dispute inaccurate information on my credit report. My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. My date of birth is XX/XX/year>. The FTC report numbers related to this complaint are XXXX. I have identified entries on my credit report that appear to be either duplicated or incorrect, and for which I did not provide authorization. As a consumer, I am entitled to have inaccurate or unverifiable information removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). Please review my report and remove any entries that do not comply with the FCRA, specifically under XXXX XXXX XXXX, Section XXXX, which mandates accurate and verifiable reporting. I request that you address this matter promptly and provide confirmation of the resolution
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and Social Security Number : XXXX, and Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion 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 credit cards XXXX XXXX # XXXX Opened on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Opened on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Opened on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX # XXXX Opened on XXXX XXXX, XXXX, XXXX XXXX # XXXX XX/XX/XXXX, XXXX XXXX # XXXX Opened on XX/XX/XXXX, XXXX # XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Opened on XX/XX/XXXX and unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 # ( private 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: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a letter from EQUIFAX dated, XX/XX/2021, stating At this time, is not blocking information you named in your request. So, I sent EQUIFAX a cover letter stating, If I received goods or services, please have a senior executive certify under the penalty of perjury I received goods or services as a result of these transaction pursuant to 15 U.S. Code 1681c-2 ( c ) ( 1 ) ( c ), certified mail. I included an identity theft report, for the 4th time, an affidavit of truth, two forms of ID, and a bank statement. EQUIFAX received all of this on XX/XX/2021, at XXXX XXXX Eastern time. I will provide the documentary evidence as well. Today, XX/XX/2021, I received an email from EQUIFAX regarding results from a dispute ( XXXX ). The dispute stated the item would remain because it has been verified which is inaccurate because all of the accounts Ive listed are part of identity theft. Also, nothing under 15 U.S. Code 1681s-2 ( 7 ) ( A ) requires negative information to be furnished to a consumer reporting agency. What is required by a furnisher is to report 100 % accurate information if the company engages in the act of reporting information to a consumer reporting agency. To misconstrue the requirements of reporting accurate information with the non-requirement to report negative information is a direct violation of 15 U.S. code 1681s-2 ( 7 ) ( E ) and constituted my information being reported without lawful authority.
Product: Checking or savings account

I XXXX XXXX contacted XXXX multiple times about fraudulent activities on my Trusit checking account ending in XXXX. No one gave me a fair invistigation and I talked to XXXX from Truist and explain the fraudulent activity I noticed.XXXX XXXXXXXX stated to that I would of got a call back from a supervisor. I XXXX XXXX never got a call back from anyone in truist bank at all. I also stated to XXXX to have the bank rewind the camera from the atms to verify that I was not the person who used my stolen debit card.NO one from Truist still has not contacted me in months.