23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am not an attorney, legal counsel or tax expert but rather a consumer, alleged obligor, in accordance to enumerated consumer laws. 
I am in receipt of a communication in response to a request for compliance to The GrammLeachBliley Act respecting consumer right of privacy by depository institution Discover Bank. 
The balance in excess of {$1.00} in accordance to the Fair Credit Billing Act is a credit balance deceptively purported as the false representation of the character, amount, or legal status of any debt balance. Discover Bank confirms that the credit balance due is correct and valid and has made no effort to refund the credit balance in full by check, cash or money order. As there is no deficit stated to verify a debt balance, Discover Bank has illegally taken action that can not legally be taken to disgrace the consumer by communicating to any person credit information which is known or which should be known to be false via consumer reporting agencies without my written permission in breach of trust. Please see enclosed credentials and deceptive communication enclosed alleging debt. Discover has refused to cooperate in compliance of consumer revocation of consent to furnishing information to unaffiliated third parties as unauthorized use. Discover Bank has purports to represent the Bureau in the false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent notices multiple times to the Credit Bureaus regarding Fraudulent accounts and they've yet to remove accounts. FTC Report was filed and submitted along with proof of my identity to Transunion, XXXX, & Transunion. XX/XX/22 and XX/XX/22. As a consumer I'm supposed to be protected and they have violated my rights. Due to their inability to remove items I've been denied a mortgage loan for me and my family. My next step is to file a lawsuit against the credit bureaus for 1. Defamation of character 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance-616. Civil liability for willful noncompliance 15 U.S.C. 61681n ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Transunion a certified letter asking for investigation of inaccurate accounts reporting to my credit report. Per company guidelines, XXXX, Transunion, XXXX must report the same information on all three reports, which I have enclosed proof showing each of these accounts are reporting inaccurate information between bureaus, which is a violation. 

I sent a copy of all three credit reports to XXXX, Transunion, XXXX showing and where each agency is reporting different information, which makes the information inaccurate. 

Please see attachments for accounts in questions and for details. 
After Transunion received my valid proof of information. I received a letter showing deletion of all the accounts, but XXXX XXXX XXXX and this account is still reporting inaccurate information between bureaus. 

Please note, I attached my letter that was sent, my proof of the inaccurate accounts information, proof of deletion of same accounts from Transunion results, and proof theses accounts are still reporting inaccurate information amount the 3 different credit agencies.
Product: Debt collection

I recieved this letter in the mail on the date of XX/XX/2022 in the account number is XXXX the XXXX  account number is XXXX its says balance due is XXXX this isnt something that I have any knowlodge of please give me a call at XXXX so this matter can get handle thanks.
Product: Mortgage

Please review my complaint sent to XXXX  and email not stating it was not refunable AmeriSave Mortgage Corp. in XXXX, GA. told us a {$500.00} application fee was necessary to start. After payment was made we were informed that it was not refundable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed all non account holding inquiries with Equifax.They did Not investigate my dispute. I reached out to all of the companies the inquiries came from none of them had proof that I authorized the inquiries. Equifax violated the Fair credit reporting act by refusing to investigate all these inquiries that is not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried multiple times to dispute inaccurate information on my experian, XXXX and XXXX credit report.I have ask both companies to send me any documents with my original signature, or proof that shows that this is my account. This inaccurate account is hindering me from getting my career started. I have never filed for bankruptcy. 

All three bureaus are reporting that I filed for bankruptcy. Please delete this inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I discovered ( XXXX XXXX ... ACCOUNT # XXXX AND XXXX XXXX XXXX ... ACCOUNT # XXXX ) had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX. XXXX. VA XXXX ( XXXX ) XXXX XX/XX/year> Experian XXXX XXXX XXXX, XXXX XXXX, CA XXXX Subject : Complaint Regarding Misleading Bankruptcy Information and Request for Verification Dear Sir/Madam, I am writing to formally file a complaint regarding misleading information about a bankruptcy filing that appears on my credit report. I am seeking your assistance in resolving this matter, as the information provided by an undisclosed third party is incorrect and does not reflect the actual court records. 

Summary of Issue : Disputed Information : I have discovered that my credit report contains information about a bankruptcy filing that is inaccurate and misleading. I have attached letter from the Court that show they have not disclosed any information of such or any kind to a third party. Hence, I am requesting the name and address of the source of this misleading information on my Personal credit report so I can sue them personally. If you're unable to provide the name and information of this third party, I request that you completely remove any occurrence ( s ) of Bankruptcy and data acquired from this party on my credit report. 

Court Documentation : I have enclosed a letter from the bankruptcy court verifying that the court did not furnish the disputed information to the reporting agencies. This letter confirms that the information provided by the third party does not align with the courts records. 

Request for Action : I request that the CFPB assist in verifying the accuracy of the reported bankruptcy information. Based on the enclosed court documentation, it is clear that the disputed information should not be present on my credit report. Therefore, I request that this incorrect information be removed.

Enclosures : Copy of the letter from the bankruptcy court, proving that the court did not furnish the disputed information. 
Copy of my current credit report highlighting the disputed information. 
Any other relevant documents that support my claim. 
Desired Outcome : I kindly request that the CFPB investigate this matter, verify the accuracy of the reported bankruptcy information, and ensure that the incorrect details are removed from my credit report. I would appreciate a prompt response regarding the actions taken and any updates on this issue. 

Thank you for your attention to this matter. Please feel free to contact me at ( XXXX ) XXXX or via email at XXXX if any further information is needed. 

Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Product: Payday loan

I can not keep up with my payments, barely getting by Paycheck to Paycheck, my Account has been constantly negative & I did not know the State of Oregon does not allow Online Payday Loans. I contacted to State of Oregon regarding this matter & they suggested contacting this Agency via Website. It is an XXXX for Online Payday Loans called Greenline Loans https : //www.greenlineloans.com The Consumer Protection - Oregon Department XXXX recommended that I contact this agency.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days.To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I XXXX & # XXXX ; t understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than XXXX days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Fraudulent Account Opened in My Name XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX ] [ XXXXXXXX XXXX  XXXX ] [ XXXX XXXX ] [ XXXX ] [ XX/XX/XXXX ] [ XXXX ] [ XXXX XXXX XXXX ] [ XXXXXXXX XXXX XXXXXXXX ] Dear Sir/Madam, I am writing to formally dispute the fraudulent account listed below on my credit report, which I believe is a result of identity theft : Creditor Name : [ XXXX ] Account Number : [ XXXX ] Date Opened : [ XX/XX/XXXX ] Amount : [ {$180.00} ] I have never authorized the opening of this account and was unaware of its existence until I reviewed my credit report. This unauthorized activity violates my rights under federal law, specifically 15 U.S.C. 6802, which mandates that financial institutions protect consumers personal information, and 18 U.S.C. 1028A, which criminalizes the unauthorized use of anothers identification. 

Requested Actions : 1. Investigation : Please investigate this matter promptly, as required by the Fair Credit Reporting Act. 
2. Account Closure : Close the fraudulent account and absolve me of any charges associated with it. 
3. Confirmation : Provide written confirmation of the accounts closure and the removal of any related information from my credit report. 

Please note that under 15 U.S.C. 1681c-2, credit reporting agencies are required to block information resulting from identity theft upon receiving appropriate documentation. 

I appreciate your prompt attention to this serious matter and look forward to your confirmation that the fraudulent account has been closed and removed from my credit record. 

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

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.
Product: Debt collection

In the last 23 days, they have called me XXXX times. on XX/XX/22 and XX/XX/22 they called twice per day.. I answered their call today XX/XX/22 to provide the evidence that the debt is not mine, and they still insisted I pay the balance. They were extremely rude and unprofessional to me. When I mentioned the FDCPA violations regarding all the repeated harassment, they became hostile, and insisted I pay the money. After advising them of their violations and that I would take legal action, they hung up on me. Its XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I am writing to convey a sense of urgency and frustration regarding the fraudulent accounts that have infiltrated my credit report. It is crucial that you take prompt and decisive action to address this issue, as it is severely impacting my financial well-being. I hold Experian accountable for allowing these errors to persist. Despite my persistent efforts to seek justice and resolution, these fraudulent accounts persist on my credit profile, causing significant harm to my financial reputation. I am not simply requesting, but rather demanding that Experian conduct an immediate and thorough investigation into these disputed accounts, remove them from my credit report, and provide me with an updated credit report that accurately reflects my creditworthiness. 

The following fraudulent accounts have been identified on my credit profile : XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, This complaint is not sent in error, I am a consumer and my TransUnion consumer report doesnt reflect 100 % accuracy. This XXXX  account and XXXX inquiry are listed on my TransUnion Report and needs to be removed immediately. These are fraudulent accounts and I have followed the proper channels to have this information removed from TransUnion. 

I have been trying to remedy this issue to no avail. TransUnion is ignoring the fact that this information needs to be removed immediately. Please see previous complaints : # XXXX and XXXX # XXXX and XXXX
Product: Debt collection

Today, I got an email from XXXX The company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX I ALREADY sent a message through their portal recently to quit contacting me because they have previously called, texted, mailed, AND emailed me NONSTOP about a medical debt. They will NOT leave me alone. I've already reported them to the FTC as I'm on the do not call registry and made them aware of this as well, and they STILL won't leave me alone even after I asked them to cease all contact and have reported them for harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/XXXX to remove the items listed below 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 items not later than XXXX business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$22000.00} XXXX XXXX  Balance : {$800.00} XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$140.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  Balance : {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

This is about XXXX or XXXX complaints I have put in of Fay Servicing. I have submitted about XXXX applications for assistance and have been denied or given the run around for over an year or more. I submitted an application XX/XX/XXXX and was told my application was not complete due to not having home owners insurance. Again, this is the XXXX or XXXX application I have sent in to loss mitigation each time I send in the requested documents. Pay stubs, death certificate of borrower, etc and mortgage placed home insurance and I attached the declaration page. This round I was informed everything was accepted except I need home owners insurance. My concern is out of the XXXX times I submitted I have submitted the same forms and I need to show copy of my personal home owners insurance. This was never ever mention in the 3 times I submitted an application. I have also attached the mortgage placed declaration page which expires in XXXX. Why now all of a sudden it's a request. I'm trying to retain my home and the fee to bring it current is now almost half of the balance of the home. Please let the record reflect that I have written numerous complaints in on Fay Servicing in regards to saving my home since XXXX. I have not been assisted in any way form or fashion. I have completed a trial payment plan and denied loan modification, but my money was collected and no approval of loan. I keep requesting for a higher authority to contact me possible from CFPB so I can provide proof of fraud from Fay servicing. I don't want to lose my home to foreclosure as I have not been assisted in XXXX years of asking for help. The mortgage company is committing fraud to homeowners. Please someone in the bureau look into the previous complaints I have sent in and contact me. I have evidence of the fraud and misleading information. I'm going to fight for my home and have it documented everywhere I can the help Ive beem seekinf for XXXX years. No one is winning, because there is no payments been made and if I was approved for a loan modification payments could have been made this year. Why is Fay Servicing not offering help? Why am I being lied too again? Why was my {$3700.00} ( may be off a few dollars ) taken by my account manger XXXX XXXX and said an exception would be made and I would been offered a loan modification. This was is XX/XX/XXXX. It has been 8 months and nothing has happened. This could been 8 months of payments. Please look into the criminal acts being done to innocent people.
Product: Payday loan, title loan, or personal loan

I received an email supposedly from Capital One Finance that stated I was fully approved for a $ XXXX loan at a 4 % interest with a fixed payment of {$180.00} per month for 60 months starting XX/XX/2022. When I asked about how to sign for the loan, they said they use a verification process instead of using signed documents. I said it is normal business practice to have documents on file, and they told me I would receive statements every 6 months. When I reviewed the loan information, it stated that this was from XXXX XXXX XXXX. The more I looked at the documents attached in the email, it looked like a copy and paste application. I, therefore, called Capital One to see if they were affiliated with XXXX XXXX Loans ; they stated that no longer offer persona loans much less payday loans. I'd like to think of myself as an intelligent person, so when applying for a loan online or with anyone in person as well, it's not unusual to provide personal information ; so when they said they needed to verify bank information, I was okay with it until they sent me {$360.00} and told me I needed to send it back through XXXX XXXX because I didn't feel comfortable. I told them I didn't want their " verification '' money, but by then it was too late, they sent it already. I went ahead and sent their money back. I also found that they did a dispute on my bank account in my name for that same money. That is when I changed my username and password on my account and locked my account. I also changed my personal XXXX XXXX tag. Because this happened later in the day, I have to wait til the morning to contact ny bank to figure out how to move forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been battling with the bureaus over this XXXX XXXX account for months and months! 

TransUnion has illegally re-aged this account multiple times and currently lists the date of last activity as XX/XX/XXXX while XXXX lists the date of last activity as XX/XX/XXXX. 

Obviously, this all is incorrect and violates the FCRA. XXXX has already removed this account from my credit report.