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

I am writing with the utmost urgency to demand immediate action regarding the fraudulent accounts and erroneous information unlawfully reported on my credit file. As a victim of identity theft, it is imperative that this situation is promptly rectified. I insist that you take the following actions forthwith : Expunge all fraudulent accounts from my credit report. 
Provide written confirmation that these items have been removed. 
Conduct a comprehensive investigation into how these accounts were erroneously reported. 
Ensure that all future credit reports reflect accurate information and are devoid of any fraudulent activity. 

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

Inaccurate Information and Violations of Laws & 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 that a consumer reporting agency can not furnish an account without my written instructions.

15. U.S.C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : XXXX This is not a duplicate report, Bank of America added new false derogatory statements by adding : 1. new 60-day late payments for XX/XX/XXXX and XX/XX/XXXX, XXXX the first delinquency occurred on XX/XX/XXXX, 3. the account was closed on XX/XX/XXXX, and 4. the last payment was received on XXXX XX/XX/XXXX. 

1. There was never a late or missed payment on the account. Therefore the XXXX and XXXX maliciously reported to the credit bureaus must be removed. 

2. There was never a delinquency, however, Bank or America has reported many false and malicious claims to the credit bureaus between XXXX and XXXX and again between XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. 

XXXX. The property was sold in XX/XX/XXXX and the bank first reported the account closed on XXXX XX/XX/XXXX and continued to maliciously report new missed and late payment delinquencies through XX/XX/XXXX which are being used to impact my credit report and credit scores negatively. 

4. Bank of America received its last payment from me in XX/XX/XXXX, the property was sold and I was not required to submit any more payments and did not make anymore payment. Therefore, there was never a 30-day or 60-day late payment in XX/XX/XXXX as reported by Bank of America. These maliciously reported delinquencies must be removed from my credit report and my d scores restored to their values prior to the impacts of the false claims.
Product: Debt collection

I am being harassed and notified to be sued if I dont pay a collection that I already disputed and showed proof of why I am not responsible for the collection. It was already removed from my credit reports earlier this year and my insurance has already sent forms to the other party and myself that these charges are not my fault. This has to do with an accident I have had on XX/XX/2017. XXXX ambulance took me to XXXXXXXX XXXX XXXX. They never sent me no forms of mail to me or my insurance company which is XXXX XXXX describing payment for ambulance ride. They sent a collection against me without contacting me first. I was notified about the collection two years later and my insurance had said it was there fault for not notifying me or them about the charges within a year. My insurance company also told me they sent the collection against me 30-40 days after my accident which is a untimely matter. If they wouldve just let me know about these charges back in 2017 my insurance company wouldve paid the amount. But they didnt and now my insurance company have sent forms and spoke to them that they are not to go against me or them for these charges. Professional Finance Co is the debt collector that is trying to sue me and harass me about this debt collection and Iam not responsible.
Product: Credit reporting or other personal consumer reports

Based on the provided account information from the credit report for XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ), here are the inconsistencies and incomplete information among the three major credit bureaus ( TransUnion, XXXX, and XXXX ) : Account Number : TransUnion, XXXX, and XXXX all report a partial account number as " XXXX. '' Account Type : TransUnion reports it as an " Open account. " XXXX reports it as an " INSTALLMENT '' account. 
XXXX reports it as an " Open Account. '' Account Type - Detail : TransUnion reports " Open account. " XXXX reports " Debt Buyer.  '' XXXX reports " Open Account. '' Bureau Code : TransUnion and XXXX report " Individual account '' as the bureau code. XXXX reports " Individual Account '' as the bureau code. 
Account Status : TransUnion and XXXX report " NotsatisfyingF20_TRADE '' as the account status. 
XXXX reports " OK '' as the account status. 
Monthly Payment : None of the bureaus report a monthly payment for this account. 
Date Opened : TransUnion, XXXX, and XXXX all report a date opened of " XX/XX/. '' Balance : TransUnion, XXXX, and XXXX all report a balance of " {$770.00}. '' No. of Months ( terms ) : XXXX reports " 1 Month '' as the term for this account. 
TransUnion and XXXX do not provide a term for this account. 
High Credit : TransUnion, XXXX, and XXXX all report a high credit of " {$770.00}. '' Credit Limit : None of the bureaus report a credit limit for this account. 
Past Due : None of the bureaus report past due information for this account. 
Payment Status : XXXX reports " Seriously past due date/ assigned to attorney, collection agency, or credit grantor 's internal collection department '' as the payment status. 
TransUnion and XXXX do not provide a payment status for this account. 
Last Reported : TransUnion, XXXX, and XXXX all report a " Last Reported '' date of " XX/XX/. '' Comments : There are comments indicating that the account is placed for collection. XXXX also includes a note about consumer disputes and reinvestigation in progress. XXXX does not provide comments. 
Date Last Active : TransUnion and XXXX report a " Date Last Active '' of " XX/XX/. " XXXX reports a " Date Last Active '' of " XX/XX/. '' Date of Last Payment : None of the bureaus report a date of the last payment for this account. 
Two-Year Payment History : XXXX reports " CO '' ( charge-off ) for the month of XX/XX/, while XXXX reports " OK '' for all months. TransUnion does not provide a payment history for this account.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud or heir platorm, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXX XXXX. 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 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: Money transfer, virtual currency, or money service

Sent money via XXXX and it was a scam. The amount is still pending and the bank will not try a chargeback or stop payment. Total {$1500.00} from both my accounts.
Product: Mortgage

Referenced XXXX Account # XXXX This complaint was closed because I was critical ill and unable to resolve the issue. 

Chase Mortgage Company foreclosed on property XXXX XXXX XXXX, XXXX XXXX, Louisiana during XXXX XXXX. I paid mortgage on this property and Chase Mortgage company had records of transaction. 

During calendars years XXXX and XXXX I reported this to the United States Attorney General because I received foreclosure documents for XXXX XXXX XXXX, XXXX, Louisiana delivered by the XXXX XXXX XXXX XXXX. 

Referenced XXXX Judicial District Court for the XXXX XXXX  XXXX Docket No. XXXX. 

Reference Account Number : XXXX Malfeasance in office by JP Morgan Loan Officers and Board of Directors. 

This is the third complaint I submitted to you for investigation. I never received a reply or answer due to anti-trust laws and malfeasance in office. My name is XXXX XXXX XXXX XXXX. I would like your agency to investigate mortgage fraud by JP Morgan and Chase Mortgage Company. In addition, I submitted information to the FBI regarding XXXX, XXXX, providing misleading information. During calendar year the application for modification loan was lost and misplace on several occasions by XXXX and JP Morgan Mortgage Company. After resigning from a Federal Agency I encounter these issues. I truly believe Seterus, LLC is associated with JP Morgan. I paid my mortgage payment on XXXX XXXX, XXXX, and XXXX reported that I had insufficient funds in my bank account. I visited XXXX XXXX and I was told the check was never submitted for payment. After this incident I completed a complaint with Federal Trade Commission. Also, I reported this predatory loan practices to the United States Attorney General and FDIC for assistance. ATTACHMENTS were submitted with prior complaints. XXXX XXXX  XXXX consumer complaint.
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

SLS put cfpb and I in work They send letter that they are research in Its a big lai They never done anything Research what???????? 
This is just to kill time so on XX/XX/21 sell my home Today I found out SLS Attorney told SLS to not to respond to this account Thats why the phone rep was very sleepy dont know anything What ever we asked her her answer was I dont know let me research just killing times Thus persona is suppose to be helping me with my mortgages problem XXXX
Product: Mortgage

I discovered the Assignment of Mortgage on my loan being used to establish ownership was robo-signed. XXXX, Inc was not in business on XXXX XXXX, XXXX and did not exist on XXXX XXXX, XXXX, when the Assignment of Mortgage was recorded and filed in the office of the XXXX XXXX of the City of XXXX. 
I requested for an explanation from the mortgage servicer KeyBank Real Estate Capital during the month of XXXX XXXX, but was not provided with this information in accordance with CFR 1024.38 ( b ) ( i ) ( ii ) ( iii ) ( iv ) ( v ). 
I also requested to know the date the mortgage and note was transferred or placed into XXXX XXXX XXXX, XXXX XXXX and when XXXX Mortgage XXXX, XXXX or XXXX XXXX XXXX, XXXX indorsed the subject note to XXXX XXXX XXXX, XXXX XXXX or transferred possession of it in accordance with CFR 1024.38 ( b ) ( i ) ( ii ) ( iii ) ( iv ) ( v ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously mailed the attached letter below on XX/XX/XXXX and have yet to see any changes made to my credit file. Please review the attached Affidavit of Fact which is Pursuant to 15 U.S.

Code 1692 ( a ) ( b ) which states that The Congress has found abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. These abusive practices contribute to the invasions of individual privacy among other things which are in violation as I never gave you my information directly.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : DISCOVERBANK Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Product: Credit reporting or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
Bankruptcy XXXX XXXX XXXXXXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Mortgage

Chase bank charged over {$3000.00} in Corporate Advance fees to maintain the property in XX/XX/XXXX and XX/XX/2018. There were fees were for " mold removal on siding ''. I called Chase and requested a receipt showing that the company that removed the staining was Mold Certified in the State of Texas ; they were not able to provide any information. The itemized bill states Mold Removal, but I do believe only Mold Certified companies are able to identify mold. 
We brought the mortgage up to date in XX/XX/2018, They also paid over {$1000.00} for vine removal. We were going to clean up the house, we just had health issues to deal with. We made a large payment in early XX/XX/XXXX to bring the mortgage up to speed and they claim to have change the locks in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I recently went through my report and found some inquiries from various creditors that I did not approve. This raises concerns for me, as they could be related to identity theft or fraud. I would appreciate it if you could look into these inquiries and remove them from my credit report if they can't be confirmed as authorized. I've included my letter to XXXX  XXXX, yet these inquiries still appeared on my current report.
Product: Debt collection

FOX COLLECTION CENTER IS NOT LICENSED AND BONDED TO COLLECT DEBT IN MY STATE.
Product: Debt collection

Asset acceptance filed a judgement lien on credit card debt that is about 25 years old and I havent paid on it for as long. They used for {$26000.00}. I cant remember the origional debt but it must have been 1/4 that amount. They dont notify about court cases and I dont see how they can try to collect on an ancient debt. They've already intercepted federal tax refunds when the debt was so old. They know most people can hire an attorney to fight these issues. They must have lied to the judge about the age of the debt.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX XX/XX/2021 To : Wells Fargo XXXX Complaints Management Office Wells Fargo Credit Card Customer Service Cc : Consumer Financial Protection Bureau XXXX XXXX XXXX Cc : Federal Reserve Consumer Help XXXX XXXX XXXX XXXX MN XXXX Re : Bank-originated, invalid charges on my credit card Wells Fargo XXXX Visa account XXXX Wells Fargo case number : XXXX Wells Fargo complaint ID # XXXX - XXXX XXXX XXXX Dear Representative, I am writing to seek assistance with false, bank-originated charges that Wells Fargo has placed on my afore-referenced credit card account, and which heretofore Wells Fargo has been unwilling or unable to correct . 

I telephoned the bank on XX/XX/XXXX and spoke to a representative who referred me to a customer advocacy group at XXXX. I spoke to an escalation representative named XXXX who was sympathetic but unable to help. 

The story from the Wells Fargo representatives is that : 1 ) I performed electronic payments from my checking account XXXX to my credit card account XXXX on many occasions. 
2 ) On a few of those occasions, Wells Fargo applied an incorrect Transaction Date 3 ) To correct the transaction date, Wells Fargo is reversing the credit However, Wells Fargo is reversing my payment, but not reapplying the payment with the correct transaction date. This results in Wells Fargo debiting my checking account, but not applying the corresponding amount to my credit card. Effectively, Wells Fargo is misappropriating funds from me by debiting my checking account but not crediting my credit card account. 

The following charges on my credit card account XXXX represent invalid reversals of legitimate payments out of my checking account. 

Transaction date, Posting date, Amount, Description XX/XX/2021, XX/XX/2021, {$46.00}, Online Payment XX/XX/2021, XX/XX/2021, {$160.00}, Online Payment XX/XX/2021, XX/XX/2021, {$80.00}, Online Payment XX/XX/2021, XX/XX/2021, {$100.00}, Online Payment XX/XX/2021, XX/XX/2021, {$510.00}, Bank Adjustment Total to date : {$890.00} So at this time, there are just under {$900.00} of invalid bank-originated charges on my credit card account, and I have been unable so far to get this corrected. 

Assistance would be greatly appreciated. 

Sincerely XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been recently looking into my credit reports and saw a ton of things not valid on it. I want Experian to look at my request and remove all of these inquiries that are not mine and accounts they are reporting that are nowhere near accurate and remove them.
Product: Credit reporting or other personal consumer reports

I have disputed numerous times its not correct due to data breach XXXX and XXXX my credit score has continued to be affected
Product: Credit reporting, credit repair services, or other personal consumer reports

I over paid my XXXX 's payment due in XX/XX/2022. Therefore, I should not have had a payment for XXXX XXXX.They reported me as delinquent and as missing a payment. I have paid the account off on XXXX XX/XX/2022. In fact instead of being delinquent, XXXX XXXX customer care stated I had a store credit of XXXX. 
XXXX XXXX is reporting me inaccurately and has refused to change the account status. I have filed multiple complaints with XXXX, XXXX and Transunion. I also contacted XXXX regarding the alleged missed payment. 

The account has been paid in Full for XXXX XXXX XXXX XXXX XXXX with XXXX 's owing me money.
Product: Money transfer, virtual currency, or money service

Received a texted on XX/XX/22 stating order placed placed for item through XXXX and {$550.00} would be auto deducted from my card. Not me to call number provided. I clicked on number to say I did not make the purchase. Number was answered by a person claiming from XXXX. Was told had other charged amounts that I said did not make as well. And was told hackers got my account information and was using unauthorized. Person had me create some XXXX  names and money transferred to them. Saying putting amounts on XXXXXXXX XXXX servers to remove hackers and assured me that I would be refunded my money. This took place XXXX. On XX/XX/22 all corresponding stopped and I realized I had been scammed. I contacted XXXX and my bank that day. My bank accounts had holds placed on them and I got new accounts. XXXXXXXX XXXX attorney for their customer protection and enforcement team responded to me saying I had been a victim of an online scheme by persons posing as XXXX employees. Her team started an investigation as well as an outside investigator XXXX uses in fraud cases. 
My bank disputed the XXXX transactions and XXXX transfers. However, the bank 's initial research determined valid transactions. Which I was tricked into making by the scammers using false representations to get people to unknowingly authorize money transfers. The total amount of multiple transfers was {$7900.00}. 
I filed a police report on XX/XX/22 as well. 
I have written and sent a letter to the bank on XX/XX/1922. Asking to reevaluate and explained more of being the victim of an online social engineering scheme/scam. As of XX/XX/XXXX, I have not heard back from bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.