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

I have a XXXX credit card that was charged off in XX/XX/2014. This debt was sold to a debt collection once then went back to XXXX. I believe this debt is part of the settlement when cfpb brought action against XXXX. This charge off is negitively impacting my credit report and I believe it should be removed from my credit reporting since it was from the cfpb settlement. I contacted XXXX to see if they would remove the account however they would not.
Product: Credit reporting, credit repair services, or other personal consumer reports

) I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. 

This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! 

REMOVE FRAUD ACCOUNTS ASAP!
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last 4 months I have been asking XXXX  and Transunion to verify accounts that were placed on my credit along with names and invalid SSN number s however they only update the accounts without sending me proof of how the accounts were verified. When I spoke with XXXX  on the phone they refused to listen to me and stated that I can no longer dispute the accounts because they were verified but when asked how they become agitated. On XX/XX/2018, I contacted Transunion and the supervisor of the fraud department became argumentative and hung up in my face. According to the FRCA if the accounts can not be verified they have to removed and this process has been going on for 4 months. Thanks, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHT I AM NO LIABLE FOR THIS DEBT WITH XXXX  AND I DONT HAVE CONTRACT WITH XXXX XXXX XXXX  THEY DID NOT PROVIDE ME WITH THE ORIGINAL APPLICATION IT LIKE I ASKED. 

15 U.S C 1681 SECTION 602 A. STATES I HAVE THE RIGHT PRIVACY.

15 U.S.S 1681 SECTION 604 A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CANOOT FURNISH A ACCOUNT WITOUT WRITTEN INSTRUCTION THANKS
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding repeated inaccurate reporting on my credit file by both TransUnion and XXXX, concerning two separate matters : 1. XXXX XXXXXXXX Account ( Account # XXXX ) For years, I have tried to get this issue resolved. I even contacted the CEO of XXXX XXXX, but no resolution was ever provided. XXXX XXXXXXXX more than tripled the balance after closing my account without any notice, despite the fact that I always paid on time. The current reported balance is {$3500.00}. This is my fourth or fifth attempt to have the balance due on this account accurately updated. Despite numerous requests to TransUnion, XXXX, and XXXX XXXX for a fact check and verification of the balance, no corrective action has been taken. 

If this matter is not resolved promptly, I will have no choice but to seek arbitration. Additionally, I will escalate this to the Federal Trade Commission ( FTC ) and pursue claims under the Fair Credit Reporting Act ( FCRA ) for failure to correct these errors. 

XXXX has already removed it years ago since it was inaccurate and expect you to do the same. 

XXXX. XXXX XXXX XXXX showing as Collection XXXX for XXXXXXXX XXXX There is an incorrect collection account reported by XXXX XXXX XXXX for a debt allegedly owed to XXXX XXXX. I am not liable for this debt, and I have no contractual relationship with XXXX XXXX XXXX. Despite my request for the original contract and proper documentation, none has been provided, making this debt unsubstantiated. This collection should be immediately removed from my credit report as I am under no obligation to XXXX XXXX XXXX. 

In addition, I would like to highlight that due to the recent XXXX data breach, millions of consumers ' sensitive information, including personal and financial data, have potentially been exposed. This incident increases the urgency of resolving my credit disputes, as I am now more vulnerable to potential identity theft and fraud. With XXXX being at the center of this breach, I demand that these inaccuracies be addressed immediately. Otherwise, I will be forced to pursue arbitration and further escalate to the FTC or other relevant agencies under the FCRA. 

Please confirm receipt of this complaint and provide details on any actions taken to resolve it. 

Thank you for your attention to this matter.
Product: Credit reporting

I have never been In Kansas, Oklahoma ; I was born in XX/XX/XXXX, not XX/XX/XXXX, I have never had any business name " XXXX ''.
Product: Mortgage

I submitted a check to Bank of America with my normal mortgage payment. The check was for {$100000.00}. I designated on the form that {$1400.00} was to go to my normal mortgage payment and the remaining {$100000.00} was to go to principal. The check was verified by my bank to be cashed by BOA on XX/XX/XXXX. The {$1400.00} was correctly applied to my loan. The remaining balance does not show in my account and my attempts to find out what they did with my money has been unsuccessful. I am the one that has to follow up as they have made no attempt to reach out to me. I finally got someone to fill out a case that would go to their research team. It has been 3 business days and I have no information. I keep getting told to give it more time. There is zero sense of urgency to locate my funds that were cashed by the back almost 2 weeks ago. I have also filed a complaint with the bank through their feedback option on their mobile app. They have all the information including a copy of my check showing they cashed on XX/XX/XXXX. I don't know what else to do.
Product: Money transfer, virtual currency, or money service

I sold a kitchen set on XXXX XXXX. I received a offer to purchase it. The person asked me if they could pay me with Zelle. I said yes so the purchase price was {$320.00}. I gave them my information meaning my name and my email address which is related to my Zelle account at XXXX bank. The buyer told me to check my email to verify that I got an email from XXXX regarding the money was sent. I checked my email and I saw an email from Cell saying that {$320.00} was sent but was not able to be deposited because I needed a business account and in order to open a business Account I needed a minimum of a {$720.00} transaction. The emails said that the buyer would have to send me an additional {$400.00} to make a minimum of a {$720.00} transaction to open a business account. The buyer then messaged me again that they got the same email and were reluctant to send another XXXX because they didn't know me. They said they would be willing to send the other XXXX if I gave them their word that they would refund it to me as soon as I received it. The buyer then told me they sent the other XXXX and I should've received an email stating so. They told me to check my email again which I did and the email which appeared from XXXX told me that there was {$720.00} available for me and needed to be released from my buyer in order to open the business account and receive my money. The buyer said they also received the same email and said before they would release the money to me they wanted to make sure they got their XXXX back. So I sent them {$400.00} which they said they never received. And consequently there was never a release of the money of XXXX to my account. The XXXX was withdrawn from my account via Zelle so I know they received it. They then proceeded to send me another email from XXXX telling me that I needed to buy a license for XXXX. That is when I put the brakes on and figured that it was a scam. The money was sent via Zelle to XXXX XXXX with email address XXXX. It was noted as XXXX transaction number XXXX. This all took place on XX/XX/2022. PLEASE NOTE MY EMAIL RELATED TO MY CHASE ACCOUNT IS XXXX XXXX
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX  has refused to comply with my opt out notice sent over one month ago.

They are reporting a charged-off account.

This charge-off is a certificate of indebtedness. According to IRS publications, as well as 15 USC 1681 where the law refers to permissible purposes, they are reporting my income and transaction history which is not permitted. 

This account has been requested to be updated to paid as agreed numerous times. 
Once again, I reach out to the CFPB to enforce. 

CFPB can you BLINK IF YOU CAN HEAR ME PLEASE?!!! I have reached out so many times lol
Product: Credit card or prepaid card

XX/XX/XXXX {$5000.00} XX/XX/XXXX {$4000.00} XX/XX/XXXX {$1000.00} Amounts paid to XXXX XXXX ( XXXX XXXX ) for investing. XXXX claimed to be a broker trading on the stock market, trading stocks, commodities, currencies, and indices. They claimed to be based in XXXX. They are not, and were never registered brokers in XXXX or the U.S. where I reside. This is required to be able to provide this service. The platform used for " trading '' was nothing more than a video game not connected to the market in any way, shape, or form. I have submitted all documentation to Citi, but they have denied my dispute saying " they provided trading ''. They sent me a letter saying " this is the last we will say about this ''. They were not submitting my dispute to XXXX, because of other reasons that I am not disputing.
Product: Mortgage

During a recorded phone call on XXXX/XXXX/XXXX, a supervisor by the name of XXXX ( XXXX? ) in Dovenmuehle 's Loss Draft Department repeatedly stated that they follow " XXXX loss draft guidelines. '' In a subsequent call on the same day a representative named XXXX confirmed that XXXX 's statement is the same guidance that " they '' get. Presumably " they '' are the representatives in the loss draft department. 

However this can not be true. Per XXXX XXXX 's own website : " Consumers are sometimes mistakenly advised that because their government-insured or government-guaranteed loans XXXX serve as collateral for XXXX-guaranteed securities, XXXX XXXX determines servicing decisions regarding their loans. 

However, XXXX XXXX does not set standards for mortgages that are to be federally insured or guaranteed. Each agency that is providing the mortgage insurance or loan guarantee sets the standards for the mortgage originated and the approved lenders that participate in the XXXX XXXX program are responsible for ensuring those standards are met for consumers ' loans. These lenders have complete responsibility for servicing decisions. XXXX XXXX does not make any servicing decisions. XXXX Another supervisor by the name of XXXX the XXXX day confirmed that they in fact choose to follow XXXX guidelines XXXX not XXXX XXXX XXXX This was not the first time that I have spoken to someone in Dovenmuehle 's Loss Draft Department confused about what kind of loan I may or may not have and if they are following XXXX XXXX or XXXX rules. This is documented in a fax I sent to the Loss Draft Department on XXXX/XXXX/XXXX. 

Dovenmuehle 's business is mortgage servicing and therefore they should be able to provide more accurate information regarding mortgage servicing to consumers. This is an egregious misstatement of their own policy, but more importantly that of a wholly owned U.S. Government corporation. It is disingenuous and irresponsible for Dovenmuehle to pass off the responsibility of their own policies on another entity. It is also concerning that phone representatives and supervisors in a company dedicated to mortgage servicing are so mistaken about their own business, industry, and regulatory environment.
Product: Credit reporting or other personal consumer reports

Account : XXXX XXXX XXXX Pursuant to 18, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 US 1681b 2, company also has NO permission to report ANYTHING using my info pursuant to 15USC1681 4
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card

American Express decided to give my credit debt to a third-party company ( XXXX XXXX XXXX XXXX XXXX. to manage due to a nondisclosed reason since the beginning of XX/XX/XXXX. I have been making payment plans with the agency to complete payments next XXXX, XXXX. American Express reported delinquencies on the three credit bureaus. I reached out to the customer service and other credit-reporting department representatives. Still, they could not find any evidence of delinquencies reported to the credit bureaus, nor could they help remove them. The delinquencies significantly affect my family 's credit, as we can not make any significant purchases now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters on XX/XX/2021 to the 3 major credit bureaus about things that are completely wrong on my credit report and have not heard responses from either bureau. I want an investigation and the damaging items to be removed so I can move forward with trying to get a loan for a house.
Product: Credit reporting or other personal consumer reports

In regards to the XXXX XXXX lawsuit, I was negatively impacted after receiving a response from the credit agency indicating that the disputed account ( XXXX ) were " verified. '' Unfortunately, the agency failed to provide detail information of the results and/or decision of their investigation ; which is in violation of the XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI XXXX XXXX YOU XXXX XXXX, your letter you sent to me has no wet ink signature, its not binding, your words are fraud and presumptions, you never said what you did with the negotiable instrument i deposited into XXXX, isnt it true XXXX attached a cusip number with medallion seal and sold it as a security?, isnt it true that your insurance policy covers all negative balances after 90 days? isnt it true XXXX has been paid more than twice the amount of XXXX?, so where is the debt? 
where is my ''bill ''? you have my billing address and i never received a ''bill '', do you know the definition of a bill and a statement? how would you like to explain all this fraud in front of a jury, if the check was fraudulent WHY THE XXXX DID XXXX SELL IT?, MY X-GIRLFRIEND WORKED IN A BANK FOR 27 YEARS, YOU THINK I DONT KNOW WHATS GOING ON? AND I DONT HAVE ANY CONTRACT WITH CHEXSYSTEMS THEY DONT MEAN XXXX TO ME BUT YOU XXXX CRIMINAL ARE IN SOME HOT WATER NOW, I never received any varified complaint of any ''wrongdoing ' sworn to before a notary either, furthermore you say federal law allows banks to substitute check,, so show me the citation you are speaking about, SHOW IT TO ME WITH CLARITY BECAUSE YOUR YELLOW HIGHLIGHT IN THE LITTLE BOOK DOESNT MEAN A XXXX XXXX THING, ITS TOTALLY VAGUE AND NOT VALID, SO SHOW ME THE LAW, SO WHATS THE BIG SECRET, XXXX AND ALL THE BANKS SELLING PEOPLE 'S SIGNATURES AS SECURITIES RIGHT,? WHERES MY ORIGINAL CONTRACT WITH SIGNATURE, YOU SOLD THAT TOO RIGHT?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX il XXXX XXXX To whom it may concern I received a copy of my credit for it with the intentions of trying to improve my credit and take on my responsibilities and noticed a few accounts and I dont want and would also like a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 % sure if they are. I also read something called the fair credit reporting act where it said by law. I had the right to challenge anything I am not sure is accurate. Some of the people Reporting things on me I have never heard of which made me write to you all.

Are you familiar with something called 15 USC 1681 ( I ) ( a ) I heard that if you cant provide proof these Account must be deleted. Well, I want these accounts deleted if they are not 100 % percent right and correct. So could you please check on these and get back to me? I saw on a credit site read where a lawyer said you have 30 days to complete this investigation please investigate the following accounts and remove them if anything is missing or not correct on them. 

Account name XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct, if not please remove it from my credit report. 


Account XXXX  XXXX XXXX XXXX investigate if every piece of information is correct, if not please remove it from my credit report. 

Account XXXX XXXXXXXX XXXX XXXX investigate if every piece of information is correct, if not please remove it from my credit report. 

Account XXXX XXXX XXXX Please investigate if every piece of information is correct, if not please remove it from my credit report. 

Account XXXX XXXX XXXX XXXX  XXXX Please investigate if every piece of information is correct, if not please remove it from my credit report. 

Account XXXX XXXX XXXX XXXXXXXX XXXX Please investigate if every piece of information is correct, if not please remove it from my credit report. 

AccounXXXX XXXX XXXX XXXX XXXXXXXX XXXX Please investigate if every piece of information is correct, if not please remove it from my credit report. 

Account XXXX XXXX XXXX XXXXXXXX Please investigate if every piece of information is correct, if not please remove it from my credit report. 

I also read where I can get the updated report after you investigate this from the free lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigate outcome to be sent to my address I put on the from area. Thank you for your time and help in this matter
Product: Credit reporting or other personal consumer reports

I am writing to formally address a matter of noncompliance by the credit bureau concerning an account currently subject to litigation. In accordance with established legal precedents and applicable codes, specifically the doctrine of estoppel by silence as articulated in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, the absence of evidence or substantiation for the alleged debt permits the presumption that no such debt exists. 

To date, the bureau has neither removed the disputed item from my credit report nor conducted any meaningful investigation to substantiate its position. This lack of action fails to satisfy the obligations imposed by law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I've always made sure that payments on this account are made on time, never allowing them to become overdue. I'm unsure about the reasons behind reports of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error should be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ove the last 60 days multiple unauthorized auto finance inquires present on my consumer reports from unknown creditors. 
In the course of recently screening my personal consumer credit report, I observed what obviously appears to be likely some unauthorized and or fraudulent credit inquiries and undoubtedly ones deficient of the compliant proven permissible purpose ( to be retained or reported lawfully ) allegedly made by the following Original Creditors : Alleged Creditor # 1 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : Alleged Creditor # 5 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX XXXX XX/XX/XXXX Alleged Creditor # 1 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX XXXX XX/XX/XXXX Alleged Creditor # 2 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX XX/XX/XXXX Alleged Creditor # 3 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX XX/XX/XXXX Alleged Creditor # 5 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX Auto Financial XX/XX/XXXX Alleged Creditor # 1 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XX/XX/XXXX Alleged Creditor # 2 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XX/XX/XXXX Alleged Creditor # 3 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX XXXX XX/XX/XXXX Alleged Creditor # 4 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX   XX/XX/XXXX
Product: Debt collection

i dont know wher these dept are coming from please help me find them out