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

1. The following accounts do not belong to me they are fraud. I am a victim of identity theft my info was on the dark web and other breaches. Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately.

I demand that you show me a copy of the items listed in this letter and stated below if you can not produce these items, you must delete them.

2. 1. Validation of the debt-that is the actual accounting.

3.

4. Verification of signed Invoice.

5. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered.

6. Please provide the original docurse and wet signature if you can't provide these items Delete them.

I demand immediate blocks and future blocks from all these items that are on the FTC affidavit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all fraud account and inquries
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act + ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax : An installment account that is Still listed on my report despite it being Over 10 Years Old. Per Equifax " Closed accounts stay on your credit report for up to 10 years since the date of last activity. '' I have Already submitted this through the Equifax Dispute Portal
Product: Credit reporting, credit repair services, or other personal consumer reports

The account is not being reported correctly on my credit report. The account number, date opened, payment terms, date last reported, date of last activity, date of last payment, and payment history are different across both credit bureaus. I have written the credit bureaus in XXXX, XXXX, XXXX, XXXX, and the beginning of XX/XX/2022 requesting the account be reported correctly on my credit report or deleted. I have not received a response from the credit bureaus. My loans have been transferred to the Department of Education. Isn't it true legislation passed during the pandemic requires XXXX to remove all late payments from my credit report?
Product: Credit reporting or other personal consumer reports

XXXX Comenity bankXXXX XXXX XXXX XXXX XXXX These companies are reporting accounts late without my permission
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my first letter on XXXX XXXX XXXX XXXX  to investigate the following XXXX XXXX XXXX XXXX  Please verify this accountXXXX XXXX XXXX XXXX
Please verify this account. XXXX XXXX XXXX XXXX  Please verify this accountXXXX XXXX XXXX XXXX
Please verify this account. XXXX XXXX XXXX XXXX XXXX  Please verify this account.

I also asked to remove two  inaccurate address reporting on my credit report XXXX XXXX XXXX XXXX IL, XXXX XXXX XXXX XXXX XXXX XXXX IL, XXXX I aslo sent another letter on XXXX XXXX
Product: Debt collection

This is the second complaint I have filed because Optimum Outcomes has not complied with Consumer laws. On XX/XX/2021 I sent an Affidavit of truth, validation of debt and other documents which were received on XX/XX/2021 by Optimum Outcomes for violations committed against me as a consumer. I also submitted a complaint to which they have not provided any answers nor any remedy. They had 30 days to respond and provide a validation and still have not complied. They are also in violation pursuant to 15 USC 1692g ( a ) ( 4 ) by taking action on an unverified debt. It is now XX/XX/2021 and I still have yet to hear from Optimum Outcomes. On XX/XX/2021 I sent an opportunity to cure letter which they received on XX/XX/2021 asking them to please provide remedy or legal action will be taken against them and they still have yet to respond. They continue to violate with complete disregard of my Consumer rights. Pursuant to 15 USC 1692k ( a ) ( 2 ) ( A ) Optimum Outcomes is responsible for providing remedy ( {$1000.00} for every violation ) due to their carelessness and failure to comply. This matter has to be resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the a Fair Crediting Act Conversion:
( 
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 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, I have the right to privacy
 In accordance with fair crediting act 15usc 1681 604A section 2, A consumer reporting agency cant publish any account without written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 mortgage hard inquiries on all three credit bureaus I didnt not authorized or have any knowledge of. As they should see, I have no open mortgage accounts. Also, I have 1 extra hard inquiries on equifax from a car dealership that I have no knowledge of. I have called the credit bureaus to dispute the hard inquiries but no help.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 

XXXX XXXX XXXX XXXX has violated my rights. 



15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.

1. 15 USC ( 1666b ) Acreditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXX XXXXXXXX XXXX XXXX Account Number : XXXX please update all late payments, all payments was made on time 2. 15 USC ( 1666b ) Acreditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXX XXXX  Account Number : XXXX please update all late payments, all payments was made on time 3. 15 USC ( 1666b ) Acreditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXX XXXX XXXX XXXX Account Number : XXXX please update all late payments, all payments was made on time 4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

XXXX. The following account is not mine XXXX Account XXXX : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

XXXX. The following account is not mine XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

XXXX. 15 USC ( 1666b ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXX XXXX XXXX Account Number : XXXX please update all late payments, all payments were made on time I SENT OUT DISPUTE LETTER TO REMOVE LATE PAYMENTS BECAUSE Under 15 USC 1681a ( 2 ) ( A ) ( i ) late payments are transactions and transactions are excluded from a consumer report. 

Also, I DISPUTED ACCOUNTS THAT WERE NOT MINE, AND CREDIT BUREAUS STILL LEFT ON MY REPORT AND DIDN'T COMPLY WITH THE FEDERAL TRADE COMMISSION
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I certified mailed a notarized Identity Theft Affidavit to Experian. along with a copy of my drivers license, social security card, a current utility bill and requested that all the listed fraudulent accounts, names, addresses and inquiries be blocked from my credit report/ file. I called Experian on XX/XX/2021 and was told from a representative there XXXX XXXX that my documents didn't meet Experian 's criteria and that the accounts were being investigated because the address I'm asking to have blocked on my credit report is attached to quite a few accounts. I was literally in tears. This ordeal is devastating!
Product: Credit card or prepaid card

American Express just notified me that they are charging me a fee AFTER I already closed my credit card. I closed my Platinum card ending in XXXX on XX/XX/2020 with XXXX balance. Today, 9 days after the account is closed, I received a notice that they are debiting {$120.00} and {$75.00} for a total of {$200.00} on that account. The reason is that they are " offsetting '' a merchant credit that took place back on XX/XX/2020. 

It is unacceptable that American Express is charging an already closed credit card for something they claim they made an error for back in XXXX. Furthermore, if they had notified me of this issue before the card was closed, I could have used the opportunity to use the {$200.00} credit for something else. Instead, American Express waited until the card was closed to unilaterally make this charge, without my consent, and with a closed card there is nothing I can do about it. American Express is refusing to assist to resolve this unfair treatment that occurred due to their own error. Please help!
Product: Debt collection

I filed for Chapter XXXX bankruptcy XX/XX/XXXX with XXXX XXXX Attorney : XXXX XXXX XXXX, XXXX : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX # XXXX Virginia XXXX, VA XXXX, XXXX : XXXX ). XXXX my creditors, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, VA XXXX ), was included in my bankruptcy. XXXX XXXX Apartment 's representative, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, TX XXXX ) was notified of the bankruptcy filing as well. The Meeting of Creditors was held XX/XX/XXXX XXXX at the Office of the U.S. Trustee ( XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX ). No creditors turned up to the meeting or filed to object to the discharge XX/XX/XXXX so the discharge was granted XX/XX/XXXX. 

XX/XX/XXXX, I noticed that the direct deposit that I received from my employer, XXXX ( also listed under XXXX XXXX XXXX, or XXXX XXXX XXXX XXXX ) was short. When I went to work that same morning, I check my paystub online and saw that I was being garnished. The garnishment was listed under XXXX XXXX XXXX XXXX. I went to the court website XXXX and found that XXXX Apartments, represented by Sykes, Bourdon, Ahern & Levy P.C XXXX ( Address : XXXX XXXX XXXX, XXXX XXXX Virginia XXXX, VA XXXX Phone : XXXX Fax : XXXX ), was granted permission to garnish me. In fact, the website shows that they filed for this on several dates including XX/XX/XXXX ( after the filing date ) and XX/XX/XXXX ( after the date of discharge ). I immediately sent copies of my bankruptcy discharge paperwork to both XXXX and XXXX XXXX XXXX so that the garnishment could be removed. This would be the second time that XXXX parties would be notified by me of the bankruptcy filing. I was not notified by any of these participating parties ( the creditor, the creditor 's representatives, my employer and the payroll company ) that I would be garnished. I am still waiting to receive a copy of the order. 

This unwarranted, undisclosed and illegal action has caused some financial issues to occur. My prescheduled car payment with XXXX XXXX Bank returned. This caused my bank, XXXX, to assess a return check fee in the amount of {$29.00}. XXXX XXXX Bank assessed a late fee in the amount of {$30.00} to my account. In addition to this scheduled payment, I still anticipated the availability of funds for other expenses. This action was completely unfair.
Product: Checking or savings account

On XX/XX/year>, I was at XXXXXXXX XXXX  # XXXX it was around XXXX XXXX, and was taking out {$300.00} from an XXXX atm machine. I was checking my balance and the atm machine retracted my {$300.00} back into the machine. So i had no way of grabbing my money. I've filed a complaint with my bank and they said it's nothing they can do and to contact the XXXX atm customer service. I then contacted XXXX on XX/XX/year>, it is now XX/XX/XXXX, and i've gotten no response whatsoever or update about my claim. I gave them all the information they asked from me including the Terminal ID that was on the atm receipt which is XXXX, and the bank i use is Chime. How is it that they are quick to take the money back from the ATM yet aren't giving me any update about my MONEY? i've tried calling multiple times to get an update of some sort and ive gotten no response. Please help!! They took {$300.00} of mine and does not want to give it back. 
My name is XXXX XXXX, my phone number is XXXX email address is XXXX XXXX
Product: Checking or savings account

I'm a XXXX XXXX. After our personal investigation into matter. It has come to my attention that my wallet was taken from locker at work by one of the XXXX  and credit card was most likely compromised by taking pictures of it. This was completely done by surprise. I noticed an alert from Sofi bank stating potential fraudulent charges. I contacted bank right away and to proceed with the unauthorized charge dispute. I get an email from them stating no authorized charges was done. And i would lose the $ XXXX. No thorough investigation was done. This is completely unacceptable. Once we get the security footage from the hotel employee lounge/back office ill be able to file a police report also, but the charges were to an illegal gambling website where most likely he could money launder the winnings to himself. This is unbelievable that im not getting help from the people thats suppose to help protect my funds
Product: Checking or savings account

I authorized PNC Bank via Online Banking Pay Bills to issue a check XX/XX/2019 to XXXX XXXX for a maintenance fee. The check never reached the payee and was cashed at XXXX XXXX  on XX/XX/19 with an endorsement " XXXX XXXX XXXX '' on the back. I reported these facts to XXXX XXXX, Manager of the XXXX branch of PNC Bank on XX/XX/19 and after signing a notarized affidavit was assured the money would be replaced in my account within the week. On XX/XX/19, I received a request for the payee to sign an affidavit which he did. After many calls to the Fraud office of PNC, reassurances by multiple PNC Branch managers, the answer is " XXXX refuses to reimburse PNC. '' And until that happens, I will not get reimbursed for their mistake. In addition to the stress and aggravation, late charges are accruing. In addition to the possible adverse effect on my credit rating, if this was a mortgage payment or insurance payment, more serious consequences could occur. I think the public should be made aware of the careless handling of our money. 
I am appealing to your office to investigate this matter as it does not show signs of being resolved.
Product: Debt collection

Back in XXXX of 2020 my credit card # was used to make a purchase to XXXX for {$480.00}. I called XXXX to dispute the charge and they told me I had to dispute it with my credit card company. After disputing the charge with my credit card I figured the whole thing was done. I recently started to receive collection notices from Cedar Business Services for an amount turned over for collections from XXXX. I have spoken to Cedar Business Services in XXXX disputing the the collections attempt. The individual I spoke with referred to an email account used to make the purchase that is not mine, nor is it anyone I know. the address the items were delivered to is not mine nor is it the address of anyone I know. I fully dispute this charge and collections. It is not mine and was not authorized by me or anyone in my household.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXXDispute XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute
Product: Checking or savings account

I had filled a claim for a a dispute on a transaction, the transactions was fraud, they keep telling me it was my fault but my phone service was hacked where they hacked my cards and apple wallet and made an international purchase but my bank keeps telling me its my fault but I never made these transactions, and now I have to pay back money that they took and wont give back.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Re : Name : Midland Credit Management Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear who may concern, I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor. 
PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 

PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. 

Thank you for your immediate cooperation. 
XXXX XXXX
Product: Mortgage

On XX/XX/21, I filed a complaint, with CFPB showing this account being fraudulent. They stated to this office, in there finding the assumption documents, hadnt been completed on there part. In to today, they still havent completed nor has they reach out, to have completed. Phones call Ive received, have all been automated, requesting funds. As Ive continue to explain, this loan was modified with wrong concepts I believe. I tried on 3 different occasion to refinance loan, one with this company in was denied by all three, which Ill show with uploaded documents. Also which should be in question is how did they determine this modification, the original loan was for {$91000.00} it was in additional {$60000.00} included with a interest rate of 6.5. I believe this was determined by a insurance check received for a ablaze building
Product: Mortgage

I submitted an application with my bank Bank of American on XX/XX/2022 and on XX/XX/XXXX after not hearing from BoA and submitting all requested information, I reached out to the leading team. I was told by the rep that they were backlogged and that unlike what was advertised on thier website-the time frame for review of applications was not 7-10 business days but 6 weeks, that it was 8 weeks for a processor to be assigned and to review the application and then 12-16 weeks to close. If this has been told to me or disclosed on the application for credit-I would not have applied for a Home Equity Line of credit with BoA. I am looking to make renovation to my home in the next 30 days and this timeline does not fit into my plans.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Inquiry fromXX/XX/2019 requested deletion letter
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX   Inquiry from XX/XX/2019  requested deletion letter
credit bureau dispute resolutions XXXX XXXX XXXX XXXX XXXX, IA XXXX
XXXX   inquiry from XX/XX/2019  requested deletion letter XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX- XXXX XXXX   XXXX XXXX
phone number XXXX XXXX XXXX  XXXX XXXX   inquiry fromXX/XX/2019 requested deletion letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XX/XX/2019 requested deletion letter XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

sending to them? I have been requesting that the Credit Bureaus update the disputed account to appear accurate information on my Credit File, but despite all my efforts, the Credit is yet to respond to my letters. The XXXX credit bureaus are required to authenticate this accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX {$280.00}
Product: Debt collection

This company bought a fraudulent account and is trying to hold me responsible for this account that isn't mine. This company still hasn't provided me any legal contracts that holds my signature or anything else and now that I know they bought this fraudulent contracts I need them to show me where they have legal grounds to come after me for such said account a d tge know its no mines this has already been removed from 2 of my 3 credit report this company need to remove this from my XXXX report or I will take legal action