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

I am writing to formally submit a complaint against XXXX XXXX for the following reasons : 1 ) XXXX XXXXe has an accurately reported a foreclosure on my home which is a fraudulent foreclosure due to a bifurcation or a separation of my promissory note and title. Both are supposed to be held at the county clerk 's office in XXXX XXXX and there is no promissory note attached to the title, so this makes it a separation which is illegal and is fraudulent and makes the mortgage null and void per the Supreme Court case " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX ) I also want to report a breach of contract with XXXX XXXX in regard to my security deed I attempted to resend my security deed because I never gave XXXX XXXX XXXXonsent to sell my securities interest, so this is also security fraud I attempted several times to resend my security deed contract again and again. I never gavXXXX XXXX XXXX  consent or provided a gift of convenience to my security interest. 
XXXX ) XXXXXXXX XXXX XXXX has reported inaccurate information regarding my account that I have a foreclosure but the mortgage is not valid so there should be no foreclosure on my credit reporting to the XXXXhree credit reporting agencies. This misinformation has adversely affected my credit score and financial standing. 
XXXX ) I'm concerned thXXXX XXXX XXXX  may be abusing loans obtained from the federal reserve. It appears that these funds are not being utilized in a manner consistent with the ethical banking practices, particularly in relationship to my account. 
XXXX ) I also want to report an abusive insurance policy ; the bank charged me while collecting on the insurance policy that was supposed to insure my account. This practice appears to be an abuse of insurance coverage and has resulted in additional financial burden on me.
Product: Credit card

I submitted and FDCPA debt validation request to PayPal Credit for debt validation on XX/XX/XXXX. The request had a 30 day time window on it, and was completely ignored by PayPal. I submitted the second letter requesting debt validation to XXXX on XX/XX/XXXX, and once again the request was willfully ignored. The agents in customer service are obviously outsourced and have no idea in the slightest what FDCPA even is. My requests have been willfully ignored and violated. I understand that I need to report these violations to the proper federal venues. Thank you.
Product: Credit reporting

In XXXX I purchased a XXXX from XXXX in XXXX XXXX California. I provided them with my ssn and gave them permission to pull my credit ONLY ONCE my score was XXXX so there was no reason for them to continue to " shop my loan '' XXXX Pulled my credit for their own financing and they allowed XXXX other vendors to pull my credit they are all on the same day so its easy to know the purpose. I have repeatedly requested to have all inquires deleted except the initial pull and as of today they are still on my Experian Report and EXPERIAN has not removed them despite my requests. 
In XXXX i only authorized XXXX pulls of my credit, XXXX ( pulled twice for same apartment application ) XXXX time for my apartment and the utliities despite my ongoing efforts Experian has failed to clean up the UNAuthorized inquiries from XXXX and now again in XXXX as a result my credit score has lowered despite my perfect credit history.
Product: Credit reporting or other personal consumer reports

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

XXXXXXXX XXXX # XXXX XX/XX/XXXX -- {$510.00} XXXX # XXXX XX/XX/XXXX -- {$530.00} XXXX  # XXXX XX/XX/XXXX -- {$410.00} XXXX & XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$400.00} XXXX XXXX XXXX  # XXXX XX/XX/XXXX XXXX {$570.00XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$1000.00}
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

XXXX : XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX : XXXXXXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$7000.00} XX/XX/XXXXXXXX XXXX XXXX Account Number : XXXX {$5100.00} XX/XX/XXXX XXXXXXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX : XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXXXXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$7000.00} XX/XX/XXXX XXXX XXXX  Account Number : XXXX {$5100.00} XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

fair credit bill act violations XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX ( fair credit bill act ) or ( FTC ) violations {$1600.00} 0 % paid off XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX ( hippa ) violation {$1700.00} all inquires ftc violatons XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX US SM BUS ADMIN ODA Federal Government Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Collections Attorney Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX XXXX I Mortgage Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX SER Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Credit Bureaus Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Credit Bureaus Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Bank   Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a Credit Card from XXXXXXXX XXXX  reporting on my credit report inaccurately Acct XXXX XXXX, Opened on XXXX XXXX, XXXX. 
I have requested a full accounting of this card two times now and have yet to receive that information from XXXX XXXX. I am again requesting all the statements from XXXX through XX/XX/XXXX. 
XXXXXXXX XXXX has been reporting the date of last activity on this account as XX/XX/XXXX and XXXX ( XXXX ) time now have reported that date of last activity is reporting correctly. 
However my records show there were NO successful payments for this XXXX XXXX credit card in XXXX, XXXX and XXXX of XXXX. So XXXXXXXX XXXX must believe this account was actually used in XXXX, XXXX and XXXX of XXXX. If that is true it may have been fraud. But I can not confirm that unless XXXXXXXX XXXX provides me a copy of the statements I have requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 Certified Affidavit Sent to Bureau Proof of Identity Theft and Demand for Removal XX/XX/2021 Requested Response Letter Sent to Bureau Follow Up on Demand for Removal XX/XX/2021 Final Follow Up and Response Requested and Demand for Removal XX/XX/2021 Legal Action Notification and Demand for Response My name is XXXX XXXX. I am speaking on behalf of myself and no one is speaking for me. I have contacted via certified mail XXXX and Transunion on 4 separate occasions with no response or removal. This is a direct violation of 15 USC 1692 ( g ) Validation of Debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

So there Is somebodys bail bonds debt from XXXX not mine and they keep putting it on my credit threw various corporation and the credit bureaus are letting them do it it was put on the credit bureaus in XX/XX/XXXX and now here we are in XXXX same debt reported from a XXXX account the company is XXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX ca XXXX and also XXXX XXXX XXXX. XXXX XXXX XXXX as California law states under section 337 of California code of civil procedure written contracts have a four year statue of limitation plaintiff must sue the defendant within four years of the alleged breach of contract ... ..also account isnt mine nor has it ever been Ive told them this it was identity theft someone stole my identity and also used it the amount of debt was {$5500.00} and is now at {$7800.00} and account number is XXXX they are committing a serious offense and equifax and XXXX  are letting this happen the debtor is XXXX XXXX which was also reported to my credit
Product: Checking or savings account

I had fraud on one of my accounts with Chase Bank. They have frozen all my accounts and are preventing we from accessing the funds I have on deposit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX  XXXX Account # XXXX XXXX, Account # XXXX XXXX  XXXX XXXX  XXXX Account # XXXX XXXX, Account # XXXX XXXX XXXX XXXX Account # XXXX US DEPT ED, Account # 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 can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Trans Union. Have been unfairly reporting my credit. All XXXX have been misusing my personal information. I am aware of what's going on with the lawsuit and want to join in on it. I need all XXXX credit scores fixed somehow. I am a XXXX veteran and am on the rebound rebuilding. I am trying to buy my wife and I a house but can't unless the lies of my reports are cleaned up. It seems they're always on the side of the reporter and not us the consumer leaving our scores lower than they should be.
Product: Credit card or prepaid card

A card was opened with Comenity Capital XXXX on XX/XX/2022. I never opened an account with them.
Product: Debt collection

This is concerning Spring Oaks Capital LLC. 
I got a letter from Spring Oaks Capital LLC on XX/XX/XXXX  attempting to collect on a debt that I do not own. I sent Spring Oaks Capital LLC a letter of dispute to the alleged debt on XX/XX/XXXX  for validation of debt under 12 CFR 1006.34 - Notice for validation of debts. After this I waited 30 days and then I sent another letter of Cease and Desist on XX/XX/. I did receive a response from Spring Oaks Capital regarding this alleged debt. Unfortunately this company did not give me Lawful validation for the alleged debt under the FDCPA. I did give Spring Oaks Capital LLC a chance in good faith to validate this alleged debt. The problem with Spring Oaks Capital LLC is that they are furnishing information about me without having permissible purposes according to the FCRA, now this makes it an Identity theft, under Title 18 1028 A Aggravated identity theft. Furthermore Spring Oaks Capital is attempting to collect on a debt that is considered income according to the IRS for being a charge off. Income does not get reported to the CRAS According to XXXX, and this debt has a XXXX balance. What are they collecting on? The Original Creditor has already charged off through the IRS with a 1099-C Cancellation of Debt. These are the violations of Consumer LAWS, and Criminal LAW.

15 U.S. Code 1681b ( c ) ( 3 ) Permissible purposes of consumer reports.

15 U.S. Code 1681 q - Obtaining information under false pretenses.

18 U.S. Code 1028A - Aggravated identity theft.
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. 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 MONTHS REPORTING LATE 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date.

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 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
Product: Debt collection

I have received several threatening letters from a company called Upgrade. In their letters they use threatening language about damaging my credit. I do not have a loan with Upgrade, nor have I ever. I have called them on two occasions, over a month apart, to discuss the matter and they have said repeatedly my name and address are correct, however the date of birth and social security number do not match their records. They are claiming someone committed fraud using my name, but not my social or date of birth? Upgrade reps in the fraud department said the address was updated recently to my address, but I have never received any communication from this company until the loan was past due. I believe their repeated attempts to collect a debt I dont owe simply because my name and address ( they said they added to the account ) match some record is predatory and intended to scare me into paying them money I dont owe with the threats of collection and damaging my credit rating. Upgrade has told me they have removed my address from their accounting system, however when I called after the second letter, my address was still in their system and they wont provide any assurances I wont be held liable for a debt I dont have with them. I find this incredibly concerning that a bank can simply add someones address, and presumably their name, to an account and send out letters for collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the accounts are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

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

The information on my account is wrong .some one have stole my information
Product: Debt collection

I am writing to file a formal complaint against XXXX XXXX XXXX XXXX regarding their unlawful reporting of a debt on my credit report. I have never received any notification of this alleged debt, nor have I been provided with a validation notice as required by 15 USC 1692g prior to reporting on my account.

This action is in direct violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically outlined in 15 USC 1692g, which mandates that debt collectors must provide consumers with a written notice containing details of the debt and their rights within five days of their initial communication.
Product: Credit card or prepaid card

I applied for and used a care credit card to receive dental work in XXXX of 2022. I was told when I signed up for the card that it had a promotional interest free period of one year and that after a year interest would begin accruing. Since that sounded fair to me I used the card to obtain partial dental services. A year later care credit charged me {$500.00} dollars as back interest. I was never explained to either in writing or in person that I would be charged " back interest '' for this. I contacted the company to see if I could pay the balance in full ( 2 days later ) since I did not understand to accept the terms that I would be charged a years worth of interest on debt that was partially paid and they declined to do so. I will be filing an action in court and with CFPB because I will not pay this illegally charged debt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX auto lease account contains incorrect and innacurate information, about payments and balances and should be removed inmediately. 
I have tried to communicate with XXXX, XXXX and Transunion as well as with XXXX XXXX without a resolution.
Product: Credit reporting

XXXX XXXX is reporting incorrect information for XXXX accounts on my credit report. I have attempted to contact them directly on XXXX separate occasions and they refuse to correct it. They are incorrectly reporting the date of first delinquency for both accounts as XX/XX/XXXX. I have contacted the original creditor ( XXXX XXXX XXXX XXXX ) and verified that they date of XXXX delinquency for both accounts is XX/XX/XXXX. I have also requested that XXXX, XXXX and Transunion correct they information but they have not. The XXXX XXXX account numbers are XXXX ... and XXXX ... The Original creditor is XXXX XXXX XXXX XXXX and the account numbers are XXXX ... and XXXX ... As you can clearly say on my credit reports, XXXX XXXX is reporting the correct date of first delinquency but XXXX is not. At this point I want all the XXXX XXXX accounts removed from my credit reports.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 Rocket Morgage did a hard hit on my credit without my authorization! According to XXXX my credit score dropped
Product: Mortgage

I previously filed CFPB complaint # XXXX about WELLS FARGO HOME MORTGAGE. Wells Fargo basically told CFPB everything was in order so CFPB closed the complaint before hearing my response to WELLS FARGO 'S Allegations. Im going to try to submit this complaint once more, in an attempt to make my concerns as clear as possible : 1. XXXX I signed 1st & 2nd Mortgages totaling : {$220000.00} 2. Wells Fargo presently alleges I owe : {$240000.00} 3. XXXX, XXXX Wells Fargo entered a 2nd Mortgage Release of XXXX : {$37000.00} XXXX. XXXX I contracted with Oregon Making Home Affordable Program : {$35000.00} 5. Since XXXX I have paid : {$85000.00} 6. Despite ROL, MHA and my payments the original debt has INCREASED : {$23000.00} My question ( which Wells Fargo and CFPB have failed to answer ) is : How can Wells Fargo receive {$150000.00} ( consisting of a {$37000.00} Release of XXXX which I was required to claim on my XXXX Federal Income Tax, {$35000.00} in Oregon Making Home Affordable funds, and {$85000.00} payments Ive made on the original mortgages ) and still claim I owe {$23000.00} MORE than the original combined mortgages, while also claiming " all unpaid late charges that remain unpaid will be waived '' ( XXXX XXXX, XXXX Mortgage Modification )?
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute several accounts and multiple hard inquiries listed on my credit report. After reviewing my credit report, I have identified an accounts that I believe to be inaccurate or unauthorized. I am providing the following details regarding the disputed account 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 account number XXXX XXXXXXXX XXXX account number XXXXXXXX XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX account number XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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: Vehicle loan or lease

I paid westlake financial {$3800.00} on XX/XX/XXXX for XXXX missed payments for XXXX and XXXX of XXXX and for XXXX upfront payments from XX/XX/XXXX until XX/XX/XXXX My first payment for this year was not due until XX/XX/XXXX. When I paid them the money last XXXX they told me how much I needed too pay in order too have my account current until XXXX of XXXX and I told them not too call me expecting a payment until XXXX they agreed. They started harassing me in XXXX of this year saying that I owe them {$34.00} for what?? Then they said I owe them a payment for XXXX. Then when I tried paying online for XXXX payment XXXX XXXX blocked my access too pay my account online so I have too call in and speak too someone. When I call in I am threatened about my car being repossessed and harassed and they dont allow me too make a payment without charging me a fee for posting the transaction or they dont allow me too make a payment because of the harassment that I just hang up.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$9700.00} XXXX XXXX XXXX