23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX applied a debt that is my fathers and took me to court in XXXX. I went to court and told them it was not mine. In XXXX, I received another summons in relation to the debt. I had my lawyer get involved. She sent them a letter on XXXX XXXX, XXXX tellling then they had the wrong person nd to remove the vdebt from my information ( as well as calling them telling them the same information ). On XXXX XXXX, XXXX, XXXX XXXX filed a garnishment in court for this debt. I debt not receive this information until XXXX XXXX, XXXX because I do not and have never lived at the address listed in the information. Since that time, my lawyer has repeatedly called and been told the garniment will be removed and the money returned. It is XXXX XXXX and the garnishments continue and the money they have taken is now XXXX for a debt that is not mine. A debt that the third party collection company ( not the original owner of the debt ) attached my ssn to because my father and I share the same first name. They have all the information from my lawyer ( including my fathers information to pursue the debt from him ). They were told the debt was not mine in XXXX and never sent any information to prove otherwise.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY IDENTITY, PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRAS. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed XXXX system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the XXXX  system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below..XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX   XXXX ) XXXX, ( Original Creditor : ) XXXX
Product: Vehicle loan or lease

They charged me gap on my vehicle causing me to have it repossessed
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the collection account referenced above that is currently reported on my credit report. In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 USC 1692 ) and the Fair Credit Reporting Act ( FCRA, 15 USC 1681 ), I am requesting the immediate removal of this collection account for the following reasons : Collection Information : Account Number : XXXX High Balance : {$560.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$220.00} Closed Date : -- Account Rating : Derogatory Account Description : Individual Dispute Status : Account not disputed ( XXXX ), Account disputed by consumer ( Experian ), Account disputed ( XXXX XXXX Creditor Type : Other Collection Agencies Account Status : Open ( XXXX XXXX, Closed ( Experian and XXXX XXXX Payment Status : Collection/Chargeoff Creditor Remarks : Account information disputed by consumer, meets FCRA requirements ( XXXX ), Customer disputed account - reported by subscriber ( Experian ), Consumer disputes this account information ( XXXX ) Original Creditor : XXXX XXXX Last Payment : -- Past Due Amount : -- Account Type : -- I believe this account is inaccurate for the following reasons : Verification Issues : The information provided is inconsistent across different credit reporting agencies. For instance, the account status is reported as open on XXXX but closed on Experian and XXXX. Furthermore, the dispute status is not uniformly updated across all agencies. 

FCRA Violations : The Fair Credit Reporting Act requires that all reported information be accurate and complete. The discrepancies in the account status, dispute status, and dates suggest that this information may not be accurate or complete.

FDCPA Violations : If the collection agency has failed to verify the debt upon my request or provided inaccurate information, it is in violation of the FDCPA.

In light of these issues, I am requesting the immediate investigation and removal of this inaccurate collection account from my credit report. Please send me written confirmation of the deletion of this account. 

Additionally, if you find that this account is valid, please provide me with the following information : Documentation validating the debt The name and address of the original creditor The date of the original debt Copies of any contracts or agreements signed by me Please consider this letter a formal request to correct the inaccuracies on my credit report under the Fair Credit Reporting Act and to cease any further reporting of this account until the matter is resolved. 

I appreciate your prompt attention to this matter. Thank you for your cooperation.
Product: Debt collection

This debt was already paid in full. I have a {$0.00} balance with this company. I was informed that if i paid it off in full that the account will no longer reflect on my credit report and it still reflects. This is hindering me from obtaining future credit. Im extremely upset that this has not been resolved as this is my 2nd complaint with the company and CFPB. I have proof showing that my account reflects a {$0.00} balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. 
XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX XXXX  : {$0.00}, XXXX XXXX XXXX XXXX  : {$0.00}, XXXX XXXX XXXX  : {$5900.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX  XXXX {$1600.00}, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

In XXXX 2015, I received a notice that from the mortgage companyNationstar, that they erroneously calculated the impound account formore than 12 months. The error resulted in a negative balance, whichwould require us to pay in full or make additional payments over time. 
The amount was XXXX. Since XXXX I have made the additionalpayments, plus sending additional money to bring down the shortage. 
I have made every payment, plus sent additional funds of {$900.00} toapply to the shortage. Since XXXX they continue to make errors inposting the payments, and I was called on a regular basis by theircollection department, telling me I was missing a payment. I spokewith XXXX supervisors and several line phone people trying to tell themthe payments were there. In addition they charge me interest, whichI was told by XXXX supervisor would be reversed, but that never happenWe are trying to refinance, and due to these ongoing errors, they arereporting two months late payments on my credit, even though I haveactually paid more that what was due. 
I want them to remove the late payments from my credit, as well ascredit my account for all the fees they have charged me. Also, theyneed to post the additional XXXX to the escrow account as I indicatedwhen sending the payment.
Product: Credit reporting or other personal consumer reports

Trans union has not provided an updated credit report since XXXXXXXX XXXX XXXX. They continue to report incorrect information and sending mail requesting address verification. Ive sent XXXX address verifications certified mail and have yet to see any changes in my file. They continue to send address verifications instead of running disputes and have yet to use any dispute information Ive sent. trans union is far behind my XXXX account and has failed to fix any issue while continuing intentionally report negative information. The files attached have all been removed from XXXX as they are fraudulent yet trans union has refused to resolve the issues for the past 12 months
Product: Credit reporting, credit repair services, or other personal consumer reports

I was charged {$29.00} by TransUnion for the service they mentioned as free trial. 

It was mentioned as a 30 day free trial period, but instead was charged {$29.00} without even a prompt to tell me before clicking the authorized button. 

Complete deception method applied. The customer service says that can not refund the charges back as we availed for the service.
Product: Mortgage

On XXXX/XXXX/XXXX, I sent Seterus, the servicer of my loan, a request to complete a new Escrow Analysis and spread the shortage over 60 months. I sent a follow up XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. I have had no response. 
Seterus approved a loan modification XXXX/XXXX/XXXX, but did not perform an escrow analysis prior to the modification, which ended up increasing my payment by {$190.00} per month. It should have been performed prior to the modification. And, a forbearance was approved from XXXX. The Seterus representative advised me in XXXX XXXX that the only thing I would be paying during the forbearance period would be taxes and insurance, then then ended up applying all monies to loan principal and interest. This is the reason for the large shortage. 
This servicer is extremely difficulty to work with. 
I previously filed complaints with you for XXXX reasons : they declined a loan modification 7 times in 4 years, citing that I did not provide all requested documents, which I had fax proof that I had provided, and a second time, in order to have the loan modification paperwork completed, as they took over 7 months to confirm and provide documents. Both times, they stepped up, only with your intervention. I am quite frustrated. 
I believe that I own XXXX of the few properties they could actually make money on if they foreclosed, and either the left hand does n't know what the right hand is doing, or it is with intent, so that they CAN foreclose and make $ XXXX-XXXX. 
They have continually misapplied, suspended payments, and then cited the original note, the forbearance or the modification, wherever it please them and they make the most money. They have also charged late fees and 'inspection fees to be sure I am living in the property ' since XXXX XXXX, XXXX due to misapplication of payments I made, even though the payments were the exact payment they requested for each specific date.I was not even aware of the misapplication of payments or the fees until XXXX XXXX, and they refused me access to the website and stopped sending statements to me due to Chapter XXXX filing in XXXX XXXX. Misapplication of funds also effects principal reduction clauses over the first 5 years of the modification term, and hurts my already damaged credit further. I truly believe this is all with intent, and need an advocate to renegotiate all of this with them, especially reapplication of payments made. 
Please help me negotiate these issues. 
Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordence with the fair credit reporting act XXXX Account # XXXX... And Account # 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 a account without my written instructions.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX XXXX. My Merril Acct No. : XXXX I sold my XXXX XXXX  stock option on XX/XX/XXXX and received wire transfer confirmation post mail which shows that transfer date is XX/XX/2022 and transfer amount is U {$19000.00} and money was remitted with XXXXXXXX XXXX XXXXXXXX. 

Even though Merrill  says the money was wire transferred to my bank account ( XXXX XXXX  XXXX ) on XXXX XXXX, I didn't receive it. My bank says, no money was arrived to my bank acct. 
I called Merrill  more than 20 times to trace the money but still the money was not traced down.

Merrill  sent me XXXX Form and I submitted to my bank but still there was no money arrived to my account. 
Merrill  said they recalled around 2 weeks ago and promised me to advise where the money is. I left my mobile number more than 5 times but didn't get any feedback. 

To trace down the wire transferred money, I'm calling to Merrill every night ( they have the record that I called them every night XXXX time at XXXX XXXX ) Pls check and advise where the money currently is. It is already passed 1.5 months since I sold my stocks! 
If you need another bank acct, pls let me advise the below. 
XXXX XXXX  Acct # XXXX ( XXXX XXXX XXXX  ). I believe this account has no problem in receiving the money in XXXX
Product: Money transfer, virtual currency, or money service

MONEY TRANSFER AUTHORIZED ON XX/XX/XXXX XXXX XXXX  SENT XXXX XXXX XXXX XXXX CARD XXXX {$240.00} MONEY TRANSFER AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD XXXX {$200.00} MONEY TRANSFER AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD XXXX {$2000.00} MONEY TRANSFER AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX  XXXX CA XXXX CARD XXXX {$1800.00} MONEY TRANSFER AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD XXXX {$500.00} I did not make these transfers I believed my phone was hacked I reached out to Wells Fargo claims department they took long time to investigate and came back with findings that I gave some permission to use and I absolutely did not someone was able to take my money out this bank and Im just out of all my tax money I put in the bank please help me recover my money
Product: Payday loan, title loan, personal loan, or advance loan

I realized that I had taken out a collateral " loan '' with One Main Financial. After reading 12 USC 1431, Powers and Duties of banks, it was very clear that this " financial Institution '' had no powers to " loan '' me anything only borrow and create securities. It was never disclosed to me that the " contract '' was actually just securities for One Main Financial that they continue to make a profit from without giving me any rights, titles or interest. They did not disclose that, which is a violation of TILA, Truth In Lending Act. It was so vague and not disclosed. I have not been offered any of the profit from the securities. I have reached out numerous times through mail to their corporate address in XXXX, Indiana. They have been served a default for failure to respond. They continue to send a copy of the contract but they do not answer the very blaring question- Where were the funds originated? According to the Emergency Banking Act of 1933 it's the Men and Woman of America that create the funds! The Federal Reserve banking system is referred to in Trading With The Enemy Act. Also According to The Federal Reserve Act in section 12 paragraphs 2-4 it explains that the application for the " product '' creates the funds. The " financial institution '' is supposed to give those funds that the man or woman created with the application to the business that the " customer/consumer '' owes. Instead the " financial intuition '' acts like they created the fund s ( money ) that was used to pay for the product the " customer/consumer '' wants or needs and charges interest and fees. This is all unlawful behavior by One Main Financial and violates the trust. They have injured me and caused commercial loss. They continue to report negatively to any credit bureau they can. That is also a violation of the Privacy Act of 1974. They can only report we are doing business, no details what so ever!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent out debt validation letters to XXXX, XXXX, XXXX XXXX and EXPERIAN requesting validation on a reported bankruptcy on my credit report. I received a follow up letter stating the bankruptcy was verified, in return I followed up with a second letter requesting documents/proof used to validate the bankruptcy. The credit bureaus never responded to my second letter. However, I have submitted proof that they have violated the FAIR CREDIT REPORT ACT. XXXX, XXXX and Experian uses XXXX XXXX to obtain information pertaining to public records, but the Bankruptcy Courts do not provide information to resort reporting agencies and my XXXX XXXX file has been frozen since XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I need my XXXX XXXX on credit report to state current. It is reporting negative on XXXX, XXXX, and Equifax from the XXXX XXXX XXXX XXXX XXXX   XXXX. XXXX XXXX my XXXX  XXXX worker said that she will update my file as current. She works out of the XXXX County Division. She can reached at XXXX. She told that she will me a letter. Yet, I have not seen a letter or heard any thing from her in regards to honoring what she agreed to do,
Product: Credit reporting

All XXXX credit bureaus are reporting information that I did not authorize and they do have a grave responsibility to ensure that the information on my credit report is accurate ( see XXXX v XXXX ). On XXXX XXXX, 2014 I went to XXXX XXXX XXXX, XXXX to inquire about purchasing a vehicle. I was not informed that my credit file would be pulled by XXXX separate companies and that all of them would be reporting on my credit file. I did not authorize this and had even told this company that I did not wish for this to occur. if I had been notified this would occur I would have declined and would have taken my business elsewhere. At no time whatsoever did I give this permission and by doing so, they are in violation of the FCRA and these items must be removed from my credit report. I have no problem filing a police report and FTC report against this company. When I confronted this company at this place of business, I received no help whatsoever and they stated they would call the police. I was not at fault for any reason so I had no problem with this, as I will take them to court if necessary as this is absolutely criminal for them to do this without my permission. 
The inquiries I did not authorize are the following : XXXX XXXX XXXX- Experian, XXXX , XXXX XXXX XXXX XXXX Experian, XXXX XXXX Experian XXXX XXXX Experian XXXX Experian XXXX XXXX XXXX Experian , 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

I checked my credit report and I have over 10 inquiries from companies I DID NOT provide my information too and I need it removed from my credit report.
Product: Credit reporting or other personal consumer reports

PLAINTIFF : XXXX XXXX XXXX Repeated offender DEFENDANT : BONDED MUST BE REVIEWD BY A HUMAN MUST BE REVIEWED BY A HUMAN VIA XXXX XXXX XXXX REQUEST CERTIFIED # XXXX XXXX XXXX XXXX XXXX XXXX DEAR DEFENDANT XX/XX/XXXX MY STRAWMAN NAME READS XXXX XXXX XXXX XXXX MY XXXX ADDRESS READS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MY XXXX READS : XX/XX/XXXX MY SSN LAST XXXX READS : XXXX My XXXX & Last MIDDLE name are as follows : : XXXX XXXX XXXX My XXXX XXXX Address is as follows : XXXX XXXX XXXX XXXX XXXX MESQUITE, TX XXXX After XXXX my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong to me. I want to ensure that you are only retaining and reporting true, current, and ACCURATE information on my credit report per FCRA regulations 15 USC 1681a and I demand, as my lawful right, for any names and addresses other than what I have listed above and below be removed immediately as they are not accurate and untrue, My First & Last name are as follows : XXXX XXXX XXXX My XXXX XXXX Address is as follows : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX After you have completed my request, please send XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX me a copy of my credit report reflecting these changes. My current address is YOUR COMPANY IS SETTING ME UP FOR IDENTITY THEFT FRAUD PRIVATE AND PUBLIC FRAUD IF MY MAIL FROM YOUR COMPANY ENDS UP IN THE HANDS OF A SCAMMER XXXX WILL BE LIABLE AND I WILL SUE FOR NEGLEGANCE! DELETE ANY NAMES ADDRESSES ALIAS THATS NOT IN THIS LETTER THAT IS HOUSING ON YOUR PLATFORM! 
AFFIANT .Annilysa-Simone : XXXX XXXX Beneficiary OF ACCT XXXX XXXX XXXX not the TRUSTEE UCC1-308 WITHOUT PREJUDICE ALL RIGHTS RESERVED