23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In violation of the Fair Debt Collection Practices Act, Attorney XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX filed the attached Notice of Sheriff Sale XX/XX/2022, and caused the same to be served on my wife and I, who hold a deed to the property with stating the Judgment to be satisfied, in violation of the FDCPA. Upon receiving notice of the sheriff 's sale, I immediately contacted XXXX, XXXX XXXX, XXXX and spoke to an employee that identified herself as : XXXX. I explained the Notice of Sheriff Sale did not list the Judgment to be satisfied. She stated she would have that amount emailed to me that day or at the latest the next day, Friday XX/XX/2022. It was never emailed. This violates the FDCPA. Further, for years the mortgage holder servicer ; XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX and the mortgage holder : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX  AS TRUSTEEE FOR XXXX XXXX XXXX, ASSET-BACKED CERTIFICATE, SERIES XXXX, has repeatedly failed to comply with federal after we have received written authorization from their client and he also gave verbal authorization to the servicer who gave us a quit claim deed to stand in his shoes to pay off his mortgage so we can clear the stain on the title. 15 U.S. Code 1639g, states : - Requests for payoff amounts of home loan. A creditor or servicer of a home loan shall send an accurate payoff balance within a reasonable time, but in no case more than 7 business days, after the receipt of a written request for such balance from or on behalf of the borrower. In fact the attorneys for the XXXX XXXX XXXX XXXX and its servicer, XXXX, Attorney XXXX XXXX, Attorney XXXX XXXX and Attorney XXXX XXXX, have mislead courts on a material factual matter, to wit : they in fact had the required authorization to provide a payoff letter, whether for use in an assumption or for the Plaintiff to get an outside loan, and made a material misstatement of fact that they could not provide a pay off letter. This violates federal law as shown above. The Property secures a mortgage loan ( the Loan ) serviced by Bank of America , N.A . ( the Master Servicer ) held in XXXX, Asset-Backed Certificates, Series XXXX ( the Trust ). XXXX XXXX acts as the trustee for the Trust but does not service or have the authority to service the Loan. The Master Servicer is the party who is required to service the Loan, which includes, among other things, determining whether to foreclose on or responding to Consumers concerns related to, the Loan. The Master Servicer has advised that any questions concerning its servicing decisions related to the Mortgage Loan be addressed to XXXX and that any written communications be addressed to its Office of the CEO and President, XXXX XXXX XXXX XXXX, XXXX, NC XXXX. The Master Servicer is the appropriate responsible party to respond.
Product: Credit card

Someone opened a fraudulent account for XXXX bank in my name. I am a victim of identity theft also a victim of XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : EQUIFAX Account Name : XXXX XXXX XXXX XXXX Account # : XXXX Balance : {$27000.00} Date Opened : XX/XX/XXXX Account Status : open Account Name : XXXXXXXX XXXX XXXX XXXX Account # : XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Account Status : closed Account Name : XXXX XXXX Account # : XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Account Status : closed Account Name : XXXX XXXX Account # : XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Account Status : closed Account Name : XXXX XXXX XXXX Account # : XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Account Status : closed UNAUTHORIZED INQUIRE ( S ) XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent debts that has appeared on my credit report. These debts are a result of identity theft caused by my personal information being exposed in multiple data breaches, where my Social Security number, birthdate, address, and email were all sold on the dark web and used to open fraudulent accounts. I have already been in contact with the police, submitted an FTC Identity Theft Report, and disputed this debt with the credit bureaus. I request that this fraudulent debt be removed from my credit report and cease any collection efforts related to these debts
Product: Credit reporting or other personal consumer reports

A payment was made XXXX XXXX, 2024 for {$68.00} with a bank account ending in : XXXX through there payment program. Although this payment was made they still closed and XXXX XXXX my account indicating more than XXXX days late which is incorrect.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit card or prepaid card

I reported that my credit card was lost but I was 95 % sure I knew where it was. The person I was talking to kept telling me I needed to file a lost stolen card report. I was reluctant because I didnt want to then find it and not have a card. I only wanted to freeze it. The man was extremely pushy and so I finally gave in. I asked for the new card be expedited. He told me there would be a {$16.00} fee for shipping I agreed to pay. I then found it an hour later. When XXXX called back they told me I could not cancel the report. I asked why not as a new card had not been issued. They told me that was not their policy. Because I asked inquired about cancelling the new card they went ahead and cancelled the expedited card but didnt tell me and then still charged me {$16.00}. I found out about them cancelling the expedited card when I never received an email. They told me they had mailed it. I then found out about the charge the following day. They told me by disputing the charge that in the future I will not have access to an expedited card. This is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX has violated my rights. 

Account name : XXXX XXXX  Account number : XXXX Account name : XXXX  XXXX XXXX XXXX Account number : XXXX Account name : XXXX  XXXX XXXX Account number : XXXX Account name : XXXX  XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX  XXXX XXXX Account number : XXXX 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, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX  XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I received an email marketing from Credit Karma regarding having excellent odds in applying for a XXXX XXXXXXXX XXXX XXXX. I submitted an application which had a caveat that depending on the outcome of the card despite being advertised as having excellent odds of approval, they would guarantee {$50.00} to deposit into an open Credit Karma checking account, which I have. I submitted the application and was denied the credit card. I received an email on XX/XX/2022 confirming that based on being denied, I would receive the {$50.00} deposit soon as a result of the denial into the open credit karma checking account that I have. This was false advertisement regarding the approval odds which led me to apply for the credit report. As a result of being denied, this was an unnecessary inquiry on my credit report which will reduce my credit rating. I have had numerous similar offers of excellent/great approval odds with negative/adverse results/ causing unnecessary inquires. My credit scores through XXXX, XXXX, and XXXX are all in the XXXX 's on the actual agency reports. However, XXXX XXXX shows my scores for XXXX and XXXX as high XXXX XXXX 's, almost 100-150 point difference, which is the score that is being pulled by the credit card company/financial lenders within the Credit Karma profile. For example, I was denied the XXXX XXXX Credit Card due to my XXXX XXXX reflecting as XXXX ; however, on XXXX 's website, my credit score is XXXX. This is an absolutely egregious difference and can be the difference between me being approved for a mortgage with having a XXXX credit score if pulled through credit karma, which shows almost XXXX points less. This also causes higher interest for certain lending products with using such a low score, if the official credit agency reflects my score to actually be in a Fair range. 

The FTC has just fined Credit Karma this week, {$3.00} million for deceptive pre-approval claims. These deceptive pre-approvals have damaged my credit karma rating which has removed my ability to be approved for actual credit cards, as well as personal loan options as lenders are pulling the much lower score through credit karma. Also credit karma has the same " pre-approval '' for personal loans for which they only use the same lenders. When sending an email to review loan products, just by logging in, will automatically send an application to the lenders, as I have only been reviewing lender " pre-approval '' options, and have began to receive denial letters when I never applied for the specific lender, only just logged into my credit karma profile and the applications were automatically be submitted just after logon.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report, I am not happy to see the below items that are still showing in there even though I have informed you that they are in accurate and injurious to my score. Please remove and delete the below items from my credit report at once.
Product: Credit reporting or other personal consumer reports

I feel frustrated, unhappy, and troubled by the situation regarding my credit report. There are late payment remarks on some of my accounts, even though I have consistently made on-time payments
Product: Vehicle loan or lease

n accordance With the fair credit reporting Act XXXX account # XXXX account name bridgecrest Has violated my rights. 

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

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

I have a XXXX XXXX Credit card that was charged off in XX/XX/XXXX. I started a payment plan with XXXX XXXX in XX/XX/XXXX to pay off the charge off in 4 monthly installments. The last monthly installment will be in XX/XX/XXXX. My recent Equifax credit report is showing a late payment after my third installment payment. It changed from 120 days overdue to bad debt / collection as marked on my Equifax credit report. Since this account was charged off in XXXX, the resumption of payments in XXXX should not be reflected as late payments. Please remove this recent late payment information from my Equifax credit report. Thanks
Product: Debt collection

I have requested the information to validate the debt they are saying I owe by a dispute with the credit reporting agency. Capital Accounts LLC has yet to provide me with acceptable documentation of my debt and has refused to remove the account from my credit report. 

I have attached the letter I sent them today.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent a letter to Equifax regarding potential identity theft. Please see attachments for reference. I requested that Equifax block and delete accounts due to Equifax not obtaining my consent before reporting anything on my consumer report.
Product: Consumer Loan

I am being contacted at my place of employment after submitting XXXX complaints online stating that I can not receive collection calls at my job and after removing my work number off of my account.
Product: Credit reporting or other personal consumer reports

Im a customer at Discover Bank I was sent an invitation to apply for a personal loan I applied and was approved I went through the verification process and there was an issue with the last step which was uploading my my ID I called the number I was instructed to call and was told by the associate that government issued IDs werent accepted as form of identification I was basically mislead by Discover bank and their mail solicitation
Product: Mortgage

Our XXXX Mortgage Payment is {$530.00} more than XXXXXXXX XXXX. We noticed that our PMI is triple, was {$230.00} and now shows as {$690.00}. The PMI from our understanding is not supposed to change. XXXX is out PMI provider, they would not talk to us, only to Freedom Mortgage our loan servicing company. We tried calling Freedom only to be transferred again and again and again XXXX  XXXX calls of XXXX minutes or more with no resolution. We can not afford this new payment, especially with a baby on the way. The Escrow history clearly shows the PMI paid every monthin XXXX the old servicing company didn't pay the PMI, that is their issue not ours, we need this to be resolved immediately. Our late fee kicks in on the XXXX and we feel we need to have this resolved before we make our payment.
Product: Mortgage

I have a mortgage loan that was transferred from XXXX XXXX XXXX to PHH Mortgage on XX/XX/XXXX. The final payment made to XXXX on XX/XX/XXXX included a principal only payment of {$3100.00}, bringing my mortgage balance down to {$280000.00}. That is also the balance due confirmed verbally by XXXX that was transferred to PHH. The balance due listed on my first statement from PHH is {$290000.00} -- exactly {$3100.00} more than the balance that PHH should have assumed. I contacted PHH Customer Service over a week ago and got no response. Meanwhile, my first payment has been processed by PHH and they are charging interest against the higher amount, not the correct amount. This is a blatant and unethical attempt by PHH to deceive the customer, and I doubt this is the first time this has occurred.
Product: Consumer Loan

This complaint is against the company Ginny 's which has extended tome a line of credit with a fixed payment amount. At the time of the problem my payment to them was XXXX dollars a month minimum. 

The basis of my complaint is that beginning on XX/XX/XXXX I was informed on the Ginny 's website that I owed them nothing. The payment amount which showed on the payment screen showed XXXX and the balance on the account was also XXXX. 

i checked this many times between then and today ( XX/XX/2017. Every time I logged on to my account i got the same information. 

They have tried insinuated but never clearly stated that this was a different account. Yet, it includes current information. 

Until I too my credit and debit card information off the account it had them posted even with updated information of recent changes to these cards. 

Please refer to support documents which verify the facts in this complaint. 

I will admit that the account numbers on the account did not match the ones on my bill which was sent in the mail. However, both accounts had the same information associated with them. 

The fact is that if the website says I owe nothing then I feel that I do not owe them anything. 

At this point I do not feel confident in allowing this company access to any of my personal information. They already have access to good portion of it. 

I have had to change bank accounts to avoid them having any of my banking information. 

This only a brief explanation of my complaint. I have provided a more detailed explanation with the support documents which accompany this complaint. 

Out of courtesy, i did send a letter to Ginny 's explaining my complaint. I never got a response on the letter nor even an acknowledgement of this problem. The letter I sent them is also included with the support documents.
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any Account or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX Balance : {$10000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts listed on the attached file which are listed my credit report that I have no knowledge of or an error!
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice to Agent Notice to Principal ALL CONTRACTS ARE VOID! This is the truth and nothing but the truth. If it is not THE GREAT LAW, I XXXX XXXX XXXX the living SOUL, Will not take part or honor any law that governs the jurisdiction of an illegal fiction. I will not converse in any law that is not The Great Law. Meaning adhesion contracts are hereby NOW void because they werecohesion by deception, This is Written Notice to cancel, settle, discharge, delete, destroy, burn, eliminate disappear, get rid of all illegal fiction contracts. The United States government and the XXXX has been deceiving XXXX XXXX XXXX by promoting adhesion contracts, coercive laws, deceptive laws written under the pretax of our government, but its been fraud the whole time.Notice to agent is Notice to principal.I have a bandit all contracts due to the fact I have been deceive through legalese, and I have been trapped in the deception since XXXXMy birthright and blood rights has been taking away without my consent.This is Public Notice to ALL coming from XXXX XXXX and The Great Law of The REAL Americas ALL CONTRACTS ARE HEREBY VOID DUE TO NON-PERFORMANCE BY THE GOVERNMENT AND THERE CORPORATIONS! This is a Cease and Desist to all parties involved with trying to Contract without any lawful jurisdiction to my illegal fiction. Any corporation using any form of UNIFORM COMMERCIAL CODE or Maintaining a database of any information containing the name XXXX XXXX XXXX date of birth XXXX, Social security number XXXX is FIRED. Attached are copies of my identification and The American Declaration on The Rights of Indigenous Peoples!
Product: Credit reporting or other personal consumer reports

I am asking for your help to correct the inaccurate details reported on my credit report. This issue has severely damaged my reputation, and I need your intervention. Your mishandling of the report has left me in a precarious situation, and the misleading information has hurt my reputation. I urge you to remove these errors so I can rebuild my life with my family.
Product: Mortgage

I FELL BEHIND ON MY MORTGAGE PAYMENT FOR 2 HOUSES I OWNED, IN XXXX, ARIZONA. THE MORTGAGE WAS HELD BY XXXX XXXX XXXX. 
XXXX PUT ME ON A 6 MONTH FOREBEARANCE PLAN FOR EACH PROPERTY. I MADE ALL OF THESE PAYMENTS ON TIME. THEY WERE LOWER THAN MY USUAL PAYMENTS. 
AFTER THE 6 MONTH PERIOD ELAPSED, THEY ASKED ME TO RE-APPLY FOR THE LOAN. I DID, THEN THEY DID NOT APPROVE THE NEW LOAN, TOLD ME TO STOP MAKING PAYMENTS, THEN THEY TOOK BOTH PROPERTIES. 
I HAVE YET TO SEE ANY DOCUMENTATION, AS FAR AS THE DISPOSITION OF THE PROPERTY IS CONCERNED. I DONT KNOW IF THEY FORECLOSED, OR WHAT.
Product: Checking or savings account

So {$230.00} was taken out of my account. And it says I used it on XXXX for three of the same comic books. XXXX XXXX XXXX XXXX was the name of the comic book. The company that was selling those books was a third party company and they deleted their business off the app. Once I tried contacted them after I knew it was unauthorized purchase. Nothing ever came to my house. And they used my card to buy an imaginary item!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One auto finance let someone use my name to get an auto loan. This account does not belong to me i have tried to contact the company i have submitted an identity theft report and Capital One keeps verifying that this account t belongs to me. The account is reporting as closed.i have tried to dispute this fraud the the bureaus but capital one keeps verifying this account. I should not have to go through this the FRAUD is ruining my name. I have a family. i have done everything that i can do i am fed up. XXXX, XXXX and XXXX is not helping my situation
Product: Credit reporting or other personal consumer reports

I was reading my credit report and noticed that i had a few inquires that werent authorized please remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from my report according to FCRA Section 605 ( a ) any inquiry that is related to fraud should be deleted from my credit report.