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

Issues Arising : I have a few issues here from my understanding it is clear to me that I have mailed out several letters to each credit bureau asking them to validate each account which seem to be quite a few of fraudulent and questionable accounts that is listed in my credit report. Which is inaccurate information that's reporting. The credit bureaus have received each letter that was sent certified mail it's been over 2 months and I Have yet to receive any validated updated information concerning these accounts in question. It's very clear and bright to me that these credit bureaus are choosing to ignore the laws and decide to take advantage of consumers. I can not express my frustration enough on how big of a stress it is and how much money I have lost constantly. sending out letters with no response being that I just sent out another letter. XXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXXXXXX, has violated my rights. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX ,  2017 Federal Trade Commission Consumer Response Center   XXXX   XXXX   XXXX ,  XXXX    XXXX   XXXX    XXXX   XXXX  : CREDIT COMPLAINT LETTER To Whom It May Concern : I am writing to file a complaint against  XXXX   XXXX   XXXX ,  XXXX , Transunion,  XXXX .  <P/> For the last 2 months I have filed more than  XXXX  disputes against  XXXX   XXXX   XXXX , reporting of my car loan balance and as of this 60+ day mark the issue has not been resolved.  <P/> I have tried to resolve this issue, but to no avail. Enclosed is documentation regarding my dealings with  XXXX   XXXX   XXXX  to date. Today I received another letter from  XXXX  stating that  XXXX   XXXX   XXXX  has properly investigated my balance and is still reporting my balance as {$19000.00} since  XXXX     2017 (  recently updated i n May the s ame balance. I also received an alert from Transunion that my balance is {$19000.00} and has been so since  XXXX ,    2017 I co ntinue to send the same documentation to the Transunion,  XXXX  and   XXXX   ; I have called   XXXX   XXXX   XXXX   and the representative was clear that my balance is not {$19000.00} as being reported by the company to the credit bureaus and the credit bureaus are not reviewing the documentation as they are supposed to. Enclosed I have copies of my auto loan statements from  XXXX ,  XXXX  and  XXXX  as you can see the statement dates are the  XXXX  of the month and no not show a balance of {$19000.00}. According to the FCRA I have a right to an accurate credit report and this is not accurate. If the credit bureaus refuse to report the information properly then I have a right to damages for non reinvestigation.  <P/> I am requesting your assistance in putting an end to this matter. If you have any questions or need additional information, please contact me at the address listed below.  <P/> Thank you for your assistance.  <P/> Sincerely,  XXXX   XXXX
Product: Mortgage

My loan servicing was transferred from XXXX to Select Portfolio servicing XX/XX/XXXX I had a loan modification with XXXX  due to being late in XXXX on mortgage during a change in job. My original loan was {$51000.00} in XXXX with XXXX, I owed approximately {$43000.00} during the time I became late and signed modification. SPS is now saying I owe {$51000.00} to them for mortgage. Terms of the mortgage should not have changed during transferring. The property is XXXX XXXX XXXX, XXXX XXXX, XXXX, NC XXXX. SPS does not have the complete address. They dropped the apartment number. I informed them of this and by phone and in writing and they claimed on the phone, it was 'in process of being transferred ''. I have not received a response to my written complaint. I checked XXXX  which has property records, the deed is listed correctly since XX/XX/XXXXwhen I purchased, with the full address. Please assist me with not allowing these two companies to somehow take my property due to their error. I can't even be sure they are crediting payments correctly. I am working to refinance with my credit union, but my credit score isn't there yet.
Product: Debt collection

This complaint concerns a debt attributed to me, originating from a fraudulent lease agreement at XXXX XXXX XXXX XXXX XXXX XXXX. This situation is the result of a mismatch in identities, which I discovered in XX/XX/XXXX while residing in XXXXXXXX XXXX 

Upon learning about this issue, I requested a copy of the leasing contract to investigate whether my identity had been stolen. To my surprise, the documents provided included a copy of a passport belonging to another individual with a different nationality, date of birth, and identityclearly not me. 

On XX/XX/XXXX, I filed an official police report regarding this identity theft. I also reported the issue to XXXX on XX/XX/XXXX, which resulted in a fraud alert being placed on my credit file. 

Despite taking these steps, on XX/XX/XXXX, I received a lease denial from an apartment building, citing a civil case regarding an eviction. Upon further investigation, I realized that the issue with Pro Collect had never been resolved. 

I contacted Pro Collect, and after numerous phone calls, they verbally confirmed that I was not the individual associated with the debt. However, they have refused to provide a written statement acknowledging the error, nor have they offered a timeline for resolving this issue. I have continued to call for updates, but their representatives have been unhelpful, rude, and dismissive, stating only that I must wait. 

On XX/XX/XXXX, I also sent Pro Collect an email with supporting documentation, including : A copy of my passport. 
Proof of residency for the past three years in a different state. 
A copy of the police report filed on XX/XX/XXXX. 
This unresolved error has caused significant harm, including the denial of housing opportunities and ongoing emotional and financial stress. I request the CFPB 's assistance in ensuring that Pro Collect resolves this issue as soon as possible, provides a written acknowledgment of their mistake, and takes all necessary steps to clear my name with any associated credit bureaus and legal entities
Product: Debt collection

I have an amount showing on my credit report from a company and I dont know what this is or why its showing negatively on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing public record which displays a bankruptcy. I disputed the bankruptcy with XXXX and received a response that the bankruptcy stays as reported. XXXX stated the information was provided by XXXX. I contacted XXXX and disputed the bankruptcy and XXXX removed bankruptcy from their file.
Product: Credit reporting, credit repair services, or other personal consumer reports

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX have violated my rights. 

The FCRA, specifically 15 U.S.C. 1681 section 602 A, grants me the right to privacy.

In addition, 15 U.S.C. 1681 Section 604 A Section 2 prohibits consumer reporting agencies from furnishing any account information without my written instructions.

Furthermore, 15 U.S.C. 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from including any adverse item of information, except for records of convictions of crimes that occurred more than seven years before the report.

Finally, 15 U.S.C. 1681s-2 ( A ) ( 1 ) prohibits any person from furnishing inaccurate information about a consumer to any consumer reporting agency.
Product: Debt collection

I applied for security service at XXXX XXXX XXXX XXXX XXXX, TX it was a temporary installation on a new construction that did NOT have a contract on. I spoke with the XXXX  representative that insured me that I did not have to sign a 3 to 5 year contract it was only a month to month. The rep did state that this was not the normal policy and that permission was granted from the supervisor. I canceled service in XX/XX/2019. XXXX  is currently trying to recover payment for early termination of contract. I've disputed this with XXXX XXXX  XXXX XXXX XXXX CORRESPONDENCE CANCELLATIONS TEAM XXXX. I have also requested a copy 's of both the docusign. The first one was not correct the second on XXXX refuses to give me. The licensed rep is XXXX XXXX XXXX. 1ST DOCUSIGN XXXX 2ND DOCUSIGN XXXX. The first docusign was voided. 

I would like XXXX and Credit Collections Services to cease and further collections on this account and bring my current collection account of XXXX to a balance of XXXX.
Product: Credit card or prepaid card

Capital One advertises their auto rental collision damage waiver without clearly disclosing that it does not apply to foreign rentals lasting longer than 30 days. I rented a car in XXXX for 34 days, it was damaged, and the car rental company charged me {$1700.00}. I submitted a claim for the damages and it was denied based on fine print buried deep in the current terms and conditions ( which may have changed since I took the card out several years ago ). 

Had Capital One and Visa clearly disclosed this limitation on the XXXX benefit, I could have broken up the rental or taken other steps to make sure I was protected. I have asked them to make an accommodation as matter of customer service, and they refused.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
am submitting this complaint against Equifax regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 

I checked my credit report and discovered discrepancies in the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, Equifax has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Product: Mortgage

On XX/XX/2023, I made an escrow payment in the amount of {$3600.00} to my mortgage company Rushmore Servicing. This payment has not been applied and they refuse to apply this payment. The times I called them to resolve this problem they never.

Please, your help in this urgent matter would be highly appreciated. 
Their number is ( XXXX ) XXXX - XXXX. 


Sincerely XXXX XXXX
Product: Credit card or prepaid card

I purchased a {$300.00} XXXX prepaid XXXX gift card from XXXX as a present. The card thats included within the packaging is not recognized by the website or by the customer service of this company. I have called them and spent numerous hours on hold and their representatives state that the card # can not be found. They opened a case for me but when I followed up a month later they could not locate the case #. They have opened another case but I do not have hopes for any resolution here because they state that the case ID is the only way they can look up the profile and that your name and phone number can not be used to verify the info. I have a strong feeling that when I call to follow ip again in a month this case ID will not be found as well. I went to XXXX and asked to speak with a manager and was told that unfortunately they can not help as this is between me and securespend. I do not know what to do at this point, hence Im seeking your assistance in obtaining my {$300.00} back. I have a receipt as proof of purchase for this card, and continue to have the card and the original packaging that it came in. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX We disputed the information that 's being reported to my credit report which is incorrect and this company has n't provided me validation of the information that they 're reporting and using general information to confirm this incorrect information. This is causing very negative effect on my credit report scoring and I want this information removed ASAP
Product: Debt collection

I was sent a letter dated XXXX/XXXX/16 stating I could settle my debt for XXXX % of the balance due if paid by XXXX/XXXX/16. On XXXX/XXXX/16 I submitted a payment for the amount requested. Two weeks later the collection agency, instead of removing the debt from my credit report, updated my credit report to show I now only owed them half of the amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently completed a loan rehabilitation of my XXXX XXXX loan we took out for our son some years ago. The loan defaulted due to non-payment by our son. We then worked with XXXX and XXXX to create a rehabilitation plan to bring the loans in good standing. We made the scheduled nine payments of {$1000.00} and the loans were then transferred to XXXX ( new loan servicer ) in good standing. As part of the signed agreement that I provided to the credit reporting agencies, it states on paragraph 10 item C, Department of Education will request that credit reporting agencies remove the record of default on the rehabilitated loans. As of today, the record still remains on my credit report and is prohibiting me from obtaining credit. It is the only blemish on my credit report and needs to be removed based on the agreement we signed with XXXX and XXXX who represented the Department of Education in this matter. I have contacted the Department of Education, XXXX and XXXX and Credit Reporting Agencies to get this resolved and nothing has happened as a result. The credit reporting agencies reported that the Department of Education denied our request to have the accounts removed. Please help me get these accounts removed from record as I feel I have done my part to rehabilitate the loans and all I ask is the Department of Education to do what they agreed to do in return.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # 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 CANNOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my annual credit report, I noticed an inaccurate item listed under Adverse Accounts. Under the remarks section, my now closed AAdvantage Citi Card reads Chapter XXXX Bankruptcy : Closed by Credit Grantor. I always thought it was odd how this card magically was closed without any notice to me. I did not worry about it since I rarely use and keep it open only to keep my XXXX XXXX Advantage Account active. However, this inaccurate reporting was the catalyst for my recent declination from XXXX for my nephews time sensitive student loan application. On XX/XX/2020, I disputed the information with XXXX  and Citibank. XXXX   provided an email response this week stating " The information you disputed has been verified as accurate, however, information unrelated to your dispute has been updated. Account # XXXX The results are : We have verified that this item has been reported correctly. Additional information has been provided from the original source regarding this item. If you have additional questions about this item please contact : Citicards CBNA, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX SD XXXX Phone : ( XXXX ) XXXX. I have not received a response from Citibank who was able to respond to XXXX. 

Given that I have never filed bankruptcy, it is perplexing to me how Citibank could report this. What's their source? What information did they share with XXXX? 

Citibank has not responded yet and I am reaching out to them again today via letter. How does this happen? It does not make any sense since it is 100 % factually incorrect.
Product: Credit reporting or other personal consumer reports

The Bankruptcy Court does not report information regarding bankruptcy cases to any credit bureau, including Equifax, XXXX, and XXXX, and does not verify the accuracy of information regarding bankruptcy cases held by credit bureaus. 

I was looking over my credit report recently and found a bankruptcy and I am requesting you verify the accuracy of this entry. If verification is not possible, the entry must be removed immediately. 


XXXX XXXX  BANKRUPTCY, Docket # XXXX Please respond to me in writing and include the method of verification under FCRA 611 ( a ) ( 7 ). This should include the following : 1. The name of the courthouse with which you verified the information.

2. The name of the person at the courthouse who handled your request.

3. The address of the courthouse 4. Which document did you obtain to verify bankruptcy?

According to the FCRA : I may seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH capital XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX BANK SS Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX