23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have been responding to many collection companies in XXXX letting them know that the debt is not my responsibility and I have a letter from the creditor, XXXX XXXX XXXX verifying that the account was created fraudulently using my business name. 

Here is the letter I sent to dispute the debt again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Credence XXXX XXXX XXXX, XXXX XXXX, XXXX TX XXXX XX/XX/XXXX Reference # XXXX To whom it may concern, I have disputed this collection notice many times now and once again, I dispute this notice of debt because it is not mine. The creditor for the debt is XXXX XXXX XXXX and they have sent me verification that the debt was fraudulently opened using the above business name. Please see attached letter from XXXX XXXX XXXX XXXX XXXXXXXX XXXX dated XXXX XXXX. 
Pursuant to my rights under the state and federal fair debt collection laws including the Fair Debt Collections Practices Act ( FDCPA ), I hereby request that you immediately cease and desist all oral and written communication with me, along with my family and friends, regarding any and all alleged debts you maintain I owe. 
XXXX XXXX XXXX XXXXXXXX XXXX  completed their investigation and concluded that the party who opened the account was not the referenced business but used the business name XXXX XXXX XXXX XXXX XXXX XXXX  for the account. XXXX XXXX XXXX has cancelled the unauthorized account and credits will be issued for any charges incurred. 
Since this account has been cancelled by the XXXX XXXX XXXX XXXXXXXX XXXX and their investigation concluded that I do not owe any money. I request that you cease and desist all communication with me as I am not responsible for the debt. 
I have taken this matter further and submitted this concern to the CFPB. 

Sincerely, Owner, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Im writing to formally express my concerns regarding Zelles handling disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Dispute using Zelle numerous times and reporting discrepancies my financial institution failed to investigate. They informed me that reporting lost funds was impossible and tracking was infeasible.
Product: Debt collection

They are trying to collect a debt over seven years old and have reported it to the credit agency as a new debt in violation of the credit agency rules.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I am filing a complaint against XXXXXXXX XXXX XXXX, for reporting inaccurate & erroneous information in my credit reports & files. I have tried numerous times to resolve these issues to no avail. In some instances they have agreed to remove inaccurate, erroneous, and outdated information such as the fraud statements and misspelled names and bad addresses and bogus employers, I never worked for. My most recent request to remove the bogus information was XXXX and XXXX of this year. The erroneous information is still in my file although they said it was removed. 

I am also filing the complaint against TransUnion the the same erroneous Public Records information which was not verified and should be deleted permanently. they claim was verified XXXX, but wasn't see attached Opt out letters dated before that date. 

Also the inaccurate employnent XXXX verified XXXX & XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following inquiries. It does not belong to me. I never lived in these addresses associated with these. I was contacted by a collection agency regarding the accounts that are associated with these fraudulent inquiries. I also have no knowledge of obtaining any of the inquiries listed here. 
XXXX  Date of Inquiry XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX
Product: Consumer Loan

I have been the victim of identity theft and it is proven in court and the police that the perpetrators of the acts in the identity-theft are not me. I attempted to apply for a loan through a company called OneMain Financial and they have since told me of a previous loan that their company has been bought out or part of XXXX. I do n't have anything to do with XXXX and because of the identity-theft an account might be showing under my identification but it is not me. Almost a XXXX percent certain that was not my correct first name and I asked to talk to the Department and the person refused to let me talk to them. I 'm complaining because they are breaking the XXXX laws on ID theft. 
Have them remove my correct name and social security number and any other identifying information from their records of that previous account that has been proven to be fraudulent.
Product: Debt collection

I attempted to get this debt removed from my credit report because I am unaware of this debt and do not owe this debt. The agency stated on the account says I owe this from a previous landlord. I requested through CFPB to have this issue resolved and the collection agency did not provide sufficient evidence to prove this debt belongs to me. The document the agency provided appears to be a hand designed document made by the company stating it is mines. This debt needs to be removed as it does not belong to me from all three credit agencies.
Product: Mortgage

We submitted an application for a loan modification to PennyMac. PennyMac denied the application via a letter dated XXXX XXXX, 2015. PennyMac failed to include in its denial letter the name of the investor and the NPV results. Pasted below is the excerpt from my letter to PennyMac. 
PennyMac claims the XXXX following reasons that the application for a loan modification was denied as stated on Exhibit A of PennyMac 's XXXX XXXX, 2015, letter : Capitalized Loan to Value ( LTV ) Excessive Forbearance Housing Expense Ratio Outside of Acceptable Range Insufficient Net Cash FlowPennyMac has failed to provide the total capitalized unpaid principal balance, the value of subject property, the income and debts used in its calculations. These are all data inputs used in calculating NPV ( net present value ). See Home Affordable Modification Program, Base Net Present Value ( NPV ) Mode XXXX Model Documentation here : XXXX See pages XXXX that state the NPV model inputs - these inputs include unpaid principal balance before modification, property valuation, borrower 's total monthly obligations and monthly gross income. As PennyMac is claiming the reasons for denial include the LTV and the inability to come up with an acceptable modified payment and insufficient net cash flow then these values must be disclosed as PennyMac engaged in a net present value calculation. 
As explained in the Comments to 12 C.F.R. 1024 ( d ), if a trial or permanent loan modification is denied because of a net present value calculation, then the denial notice must include all the inputs used in the net present value calculation. 12 C.F.R. 1024, Supp. I, 41 ( d ) cmt. 2. PennyMac 's XXXX XXXX, 2015, letter does not include any inputs it used in this calculation. This is exactly the kind of information called for by RESPA to enable borrowers to make an informed decision about whether they should appeal the servicer 's loss mitigation determination or pursue other options. PennyMac failed to provide it. 

In its XXXX XXXX, 2015, letter PennyMac states " We may order an appraisal or other forms of valuations to determine the property 's value in the course of reviewing your application. If we do order any valuations in connection with the application in determining whether your loan qualifies for a loan modification, a copy of the valuation ( s ) will be enclosed with this notice, if applicable. '' Clearly the value of the subject was used in reviewing the application as one of the reasons for the denial is due to capitalized loan to value. The value in " loan to value '' is the valuation of the home yet PennyMac failed to enclose with its letter any valuations of the property. PennyMac representatives disclosed to me that PennyMac had a BPO completed on XXXX XXXX, 2015, that resulted in a value of {$69000.00}. Is that the value that PennyMac utilized in reviewing this application?
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THESE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THESE INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX  XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The lists of accounts below has violated my federally protected consumer rights to privacy and confidentiallity under 1681.

15 USC 1681e ( b ) is a subchapter that requires consumer reporting agencies to adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter1. It also requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of consumer reports and to limit the furnishing of consumer reports to the purposes listed under section 1681. I Looked at my XXXX credit report and notice some things are incomplete and not accurate, Account XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX-credit limit not two accounts with a balance XXXX still showing on report-XXXX card-XXXX XXXX card. Age of credit history not current.
Product: Credit card

Beginning of XXXX was the last time I used my card, every time I used it, it was declined. This card was fairly new this year. Prior to now, every time I made a charge it was declined. I spent over XXXX hours of my time back and forth with your company and the business I was trying to charge to. XXXX blamed it on the other. The next day the same thing, a waste of my time with uneducated employee, The other day there was a charge that wasnt me. I called and they stopped my card. I received my new card today, opened up the envelope, XXXX code on the back, so I scanned it with my phone, and next thing I know, my card was declined with a charge of XXXX, within less then a minute after I scanned the code. I havent left this house or charged anything. So this card either got scanned by XXXX of your employees or the XXXX XXXX XXXX. I card Capital One and she said she would have to stop my card, and she said there was another charge for XXXX something. I havent been able to check my account because it has been stopped. The woman from Capital One, said she was going to report fraud and they will have to investigate. As we are hanging up, she said watch your statement. How???? I cant even log in. I have been working very hard to regain my credit, but there are so many obstacles. Does my date change every time I open a new card? How do I handle this, cancel card and lose my time with this card, or dispute you for my card time. Contemplating what to do. XXXX XXXX, Capital One. Email XXXX XXXX
Product: Credit card or prepaid card

I filed a complaint about not being able to set up autopay through the online banking. I decided to cut my losses and just do one time payments. I logged into my online banking on XX/XX/2022, two days before my due date, to do a one time payment of {$50.00} which was more than the minimum of {$25.00}. I went through the process to completion and for some reason the payment did not take. My correct routing and account number are in my OLB because Regions ' system picks up that it's an XXXX checking acct. I want all of my late fees waved and for Regions to investigate why I can not pay my credit card through my OLB which is their preferred method and my preferred method. If this method does not work or it is broken, fix it or do not offer it. 

I have all of my other credit card on autopay and haven't missed a payment with any of my credit cards in years except Regions. Regions is and has always been the one that is most difficult to pay and it seems for no good reason. 

Please check my log in records on my OLB. I logged in the morning of XX/XX/2022. Why would I log in just to not pay my bill?
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate reporting of a late payment on my credit report for the account referenced above. The XX/XX/year> report shows a 90-day past due status on this account, which I believe is incorrect. 

Under the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act, creditors were instructed to provide special accommodations to borrowers impacted by the COVID-19 pandemic. A key provision in the Act states that if a payment accommodation ( such as deferral or forbearance ) was granted by the creditor, the account should continue to be reported as current, provided it was in good standing prior to the accommodation. 

I have always maintained my account in good standing and have never missed a payment before this period. Therefore, I believe that the XXXX XXXXXX/XX/year> 90-day late payment report may have been an error or a misapplication of policy during the pandemic. I respectfully request that you investigate this matter and, if applicable, correct the error in compliance with the CARES Act by updating my account status to reflect it as paid on time ( current ) for XX/XX/year>.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Negative Item Due to XXXX Hardship Dear [ Credit Bureau Name ] Dispute Department , I am writing to request the removal of a negative item from my credit report due to financial hardship caused by the XXXX pandemic. The unprecedented circumstances of the pandemic have significantly impacted my financial situation, and I am seeking your understanding and assistance in rectifying this issue. The XXXX pandemic has been a challenging time for many, and I appreciate your consideration in this matter. The removal of this negative item will greatly aid in my financial recovery and allow me to continue rebuilding my credit. 
Thank you for your understanding and prompt attention to this request
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXXXXXX Account Number : XXXX Account name : XXXXXXXX XXXXXXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting

This has been going on for over one year with myself trying to get information off my credit that is either not mine or reported incorrectly. I can go on and on and on!!! There is something on my credit now that is n't mine and I am getting ready to lose my deposit because they wo n't take it off. I 'm am getting ready to sue them for lost time and aggravation of my life.
Product: Credit reporting or other personal consumer reports

My information was stolen and used to open a utility accounts and 3 apartments.
Product: Credit reporting, credit repair services, or other personal consumer reports

During a data breach at Equifax in XXXX of 2017, my personal Information was stolen from their systems. The information included date of birth, social security, and drivers license. This has left me vulnerable to fraud. Equifax offered to provide fraud protection but only if I waive my rights to sue them for damages due to their inability to protect my information.
Product: Credit card or prepaid card

Sometime around XXXX, I became aware that my credit score had dropped significantly. When I inquired as to why, I found that someone had opened an account with a XXXX department store in XXXX XXXX on XX/XX/2022. 

I never opened this account. 

I immediately reported this fraudulent account to the company. Their response was " call the credit bureaus and report it, '' which I did. Within a few weeks, the credit bureaus rejected my dispute and claimed XXXX considered the account valid. 

I filed a police report with the local police department and re-filed the dispute with XXXX. Now, XXXX XXXX XXXX department sent me a letter asking for the following things : 1. I notarized affidavit that I'm not responsible.

2. Copy of my ID 3. Proof that I was at work that day ( as this was a Sunday, neither I nor any teacher, was at work ) 4. a HANDWRITTEN ( their emphasis ) fraud statement detailing the fraud committed against me 5. Copy of proof of address 6. Copy of police report 7. Copy of my credit report XXXX inquiry only If I don't procure these documents within 30 days, they claim they will consider that I accept full responsibility for this debt. 

This seems like a long list of items I need to prove my innocence, and it includes one item ( # XXXX ) that is both ridiculous and impossible.
Product: Credit reporting or other personal consumer reports

DELETE THESE INQUIRIES, PLEASE 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Canceled previous Citi card as it was lost. Received new card which I have yet to activate. Company allowed a reoccurring charge after denying it for two weeks on a card I have yet to activate. 
Citi states they gave the new card info to the merchant XXXX. I never gave permission for this to happen. If I wanted anything anymore from XXXX I would have activated the new card and inputted new payment info.
Product: Debt collection

I ordered high speed internet from XXXX XXXX XXXX in XX/XX/2020. The tech came out and installed the connection and then informed me that high speed internet was not available in my building. I told him that I did not want slow internet and to cancel my order. He said he couldn't but assured me that I could call and cancel for free. I called and the person on the phone apologized and told me how to send the equipment back which I did. I never activated the service. A couple of months later I received a bill for the install fee. Now it is in collections. It's a little over {$100.00}. I could pay it but I feel as though I was duped. I have called XXXX XXXX XXXX and spoken with the collection agency with no resolve.
Product: Credit reporting or other personal consumer reports

After sending a lot of Dispute Letters and FTC reports, these negative items ( XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX ) are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. Attached you will also find my ID as proofofmyidentity.
Product: Payday loan, title loan, or personal loan

My Phone Number was recently hacked and used to obtain my email and my banking account information. Thus in which I had to go to XXXX  XXXX XXXX and freeze all of my accounts in which I found out my name was being used along with my email, phone number, and address in attempt to take out of loans out of multiple different sites and such. One site was Money Lions where I've tried contacting to state that I never opened account and now I received a text message saying they had approved for a loan to be taken out under my name. I found it rather hard to even get into contact with a representative let alone get an email response. It has already been a hassle to correct all the fraudulent activities that had happen within the past few days.