23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The following actions were violations committed by Patenaude & Felix. After a judgement was ruled in my favor against them, they submitted an Appeal containing documented proof of violations under the Fair Debt Collection Act.
1 -- In Patenaude & Felix, A.P.C. complaint listed as # 1.
Listed XXXX XXXX as the plantiff however Prior to my contacting them, XXXX XXXX claims to have had no prior knowledge of the Civil Action.
2 -- In Patenaude & Felix, A.P.C. complaint listed as # 3.
Claims to have attached and submitted into evidence a true and correct copy of the Account Agreement listed as " Exhibit A '' in files attached. However the attached contract is unsigned and incomplete, and this is a XXXX/XXXX XXXX contract. My account was opened in XXXX of XXXX and XXXX XXXX was not formed until XXXX XXXX. Knowingly submitting false evidence to the court is not only a violation of consider rights, it is against the law. XXXX XXXX signed that all documentation was true and correct and that he acknowledged submitting false documents is an illegal act.
3 -- Patenaude & Felix, A.P.C. filed action against me in the District Court of XXXX XXXX, Pa, however at the time the Action was filed I was a resident of XXXX, Pa which falls in XXXX XXXX XXXX District. This is a violation of the Fair Debt Collection Act.
4 -- Patenaude & Felix, A.P.C. performed multiple hard pulls of my credit report which nwgatively effect my score.
5. Initial Contact from Patenaude & Felix was in the form of a Civil Action notice.
Product: Checking or savings account

Ive been a Wells Fargo customer for a while now and typically only use the account for small purchases. I occasionally only check transaction history for errors every XXXX days. When I went over my account transactions recently I noticed a few transactions I didnt make for example there was a few transactions to a XXXX XXXX name I didnt authorize along with a limousine and XXXX XXXX booking . Those are just to name a few but I made the dispute with the bank only for them to not resolve the matter and close the dispute I had opened with them.
Product: Mortgage

I have recently opened my monthly statement to see that there is deferred principal in the amount of {$7800.00}. I have always paid my monthly payment even during the pandemic. 

There is absolutely no reason why I should have deferred principal. This company continues to plays games with my mortgage and my monthly payments. This is a negative amortization mortgage, which is illegal in some states, and the company is literally stealing from me. 

Now they come up with this nonsense! I have made several complains in the past and the CFPB has done nothing!
Product: Credit card or prepaid card

Capital one employee discloses confidential info to third parties My account is current and payments on time Violation of privacy
Product: Debt collection

I have sent this debt collector several letters using the available templates letting them know I am not liable for the debt they are attempting to collect and to cease all communication with me. They still continue to call me regularly and do not leave voicemails.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
XXXX. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other :. ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 
XXXX. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. A person shall not 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. 
XXXX. XXXX XXXX Acct # XXXX XXXX. XXXX Acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My Name Is XXXX XXXX and I have requested and provided proof and letters for my bankruptcy to be removed off my credit report in order for me to get my score off the ground to purchase a home. It has not been removed and is hurting my credit. Please remove this item off all my credit reports,
Product: Debt collection

I sent this company a debt validation letter months ago and still haven't received anything, I even ask the credit bureaus to delete this debt because I have no knowledge of it, the debt amount changes on my credit report every few weeks it seem like they are trying for some kind of accuracy and according to the FTC anything not accurate on your credit must be deleted. each bureau is reporting different amounts each month and I also reach out to them for accuracy all came back verified??? how can that be if they all reporting differently please investigate!! it said {$580.00}, one month then the next it says {$580.00} every time I ask for a validation it changes even on the credit bureaus, isn't that against the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX 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

i filed disputes through equifax transuion and experian and two days later they come back verified.I asked them to show me how they investigated no response
Product: Credit reporting or other personal consumer reports

This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section XXXX ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2021, a collections agent accessed my XXXX credit report fraudulently
Product: Debt collection

XX/XX/2019, {$610.00} I disputed this fraudulent account from another collection agency and they turn around sold this account to this new company.
Product: Mortgage

We apply for the loan with city wide home loan It was a home loan. 
Loan Officer name XXXX XXXX under writer : XXXX XXXX PHONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXX/XX/XXXXUT XXXX We put XXXX XXXX dollar down as agreed earnest money deposit. We were told that we were approved for the loan. We paid {$450.00}, the home inspections fees, when it time to close on the house. We were waiting for das and they keep extended on time but we agree that we will be close on XX/XX/2020 as we done all of our due diligence meet all deadline provide so much document as requested, as the day to closed to no fault of us we were told that we will not be closing on the home no reason given we lost the House a swell as earnest money deposit.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I woke up to pay rent. To find my checking account. And savings account at XXXX. Theres a hold on both account and a transfer in process. In the amount of XXXX. To XXXX XXXX child support services. A levy the bank said was placed on account ( s ) checking and savings accounts. 
I immediately went to bank to ask questions for them to give me a number and tell me theres nothing they can do. I stated this transaction is fraud. No bank or lender or agency can access my account or drain it leaving me and my kids with XXXX dollars on the day rents due. I attempted to report fraud. For my payment ARE arranged and taken out my checks for child support. Then found out they advertise fraud services online and the form to fill out, but it does not exist. Therefore now I can not file fraud in a timely manner. This also is fraud. 
So my consumer rights have been violated. And to my understand. These accounts are not real. My checking account doesnt allow checks or a lot of things for they say its not a checking account. Please assist me. I would like my money returned. I never authorized or sighned any contracts with anyone ever to access my account or withdrawal or transfer money.
Product: Credit reporting or other personal consumer reports

TRANS UNION ENTERED, PROVIDED SOLD, UNAUTHORIZED INFORMATION ON MY CREDIT REPORT VIOLATING MY RIGHTS UNDER FCRA 15 U.S.C 1681 et seq. and requests CFPB to cause Trans Union to remove any information provided to or from any and all collection agencies entered on my report including any and all late payment information.
Product: Consumer Loan

I had a loan with Bank of Oklahoma for a Jeep. I soon after had a few life events, my mother passing, moved and loss of income. I notified the bank of this and they were willing to work with me on the loan. I came within XXXX payment of paying off the loan and then they repossessed my vehicle after I paid off the payment. Payment was sent through XXXX XXXX as I always sent it but, they said they did not receive it. It was repossessed after payment made and it caused me a lot of extra fees to get my vehicle back. I paid the fees got the vehicle back but then they kept reporting it as a repossession when it was paid and they repossessed it unfairly. After all the fees they tacked on it now shows as a repossession on my credit filr and they are not willing to work to show what happened. Is it even legal for them to repossess after the payment was made. What can I do to have it reported fairly.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I have been left as a victim of identity theft. Someone has been using my ID/Social/Drivers license to take out loans and credit cards. I have been trying desperately to let these companies know about my situation but there is XXXX company that refuses to take any of my claims seriously. I was traveling around the world as a drummer for my band for a little over a year. Someone that looks like me was using my identity and my home to commit fraud. Alphera Financial Services was XXXX targeted lender. They granted this thief an auto loan in my name and refuse to send me any proof of their investigation. They do not accept my calls since I ask I record them as well as I will not speak to them on a recorded line if they can not grant me the same privilege. They will not send me proof through mail. I can not get this company to mail me proof or speak to me. This company MUST adhere to FCRA and send me the proof I am requesting!
Product: Credit reporting, credit repair services, or other personal consumer reports

These companies have coerced and induced me into a form of identity theft through alteration of my name from a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX format. There was no contractual disclosure or meeting of the minds.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act XXXX  account # XXXX, has violated my rights. 

I5 USC 1681 Section 602 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 a account without My written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open consumer Credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Chase credit card reporting late payment I have two Chase credit cards and on one of them, it was reported late payment on credit bureau because of which there was a big drop in my credit score. Payment was of {$11.00} I was in XXXX XXXX Military Service from XX/XX/2022 to XX/XX/2022 and I had very limited access to my phone. I cleared all my payments on XX/XX/2022 before going to XXXX XXXX. I even set up an Auto Payment for both of my cards to prevent late payment. During the XXXX period, As soon as I had an access to my phone, I checked all my credit cards and saw late payment on chase and paid {$11.00} immediately on XX/XX/XXXX. Looks like Auto Payment feature didn't work for chase credit card. After I was done with my XXXX XXXX, I checked my credit score and found that there was a big drop in my credit score because of the late payment reported by Chase Credit Card Service to credit Bureau. I never had a late payment history as well. Called chase credit card customer service regarding this issue and does not seem to be interested to help on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account below from my report : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Payday loan, title loan, or personal loan

So I am working on my credit I'm trying to repair it. I have little debt but its various not all of my credit report well I was taking out a personal loan of 10 to {$15000.00}. I looked up various loan places I applied but then I got a phone call from a place claiming to be XXXX XXXX I had been familiar with that company had taken a few payday loans in the past he said I was approved for {$10000.00} so he had me go on my email open up something that had the XXXX XXXX logo on it and sign in my credentials on my end so this way he can send it to the lender they would give me {$10000.00} he was going to call me back in 45 minutes 2 hours later he calls me back and says that my credits to low that I need to send him XXXX send it back and then send it to an XXXX woman 's name on XXXX needless to say he sent XXXX to my account with a reversible transaction my account was locked from Chase Bank I called they had me call XXXX and XXXX to run virus scan on my internet change my email and my bank login credentials I did all of that. Stop it from being a reversal the lady from the bank. So needless to say I wake up in the morning and he still got six transactions of {$500.00} out of my account and I still can't get in touch with Chase Bank he also was threatening me and calling calling me an American XXXX XXXXXXXX saying all kinds of crazy stuff that he's going to ruin my XXXX check and make sure my license gets revoked all this stuff and needless to say this happened last night and it's XXXX the next evening and I still haven't heard from Chase Bank and I'm so scared because I had thousands of dollars in my account and now I'm down {$2000.00} overdrawn my entire family passed away a XXXX year old single mom the daughter with a XXXX XXXX I'm trying to do my best and he just XXXX everything up for me don't even know where to begin or what to do but I'd like everybody to be aware of companies claiming to be cash XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX it is a scam and I am not stupid all 's I did was quick awake sign into my login credentials and that guy got in my account even though I had everything changed these people are not playing these days they'll rob you will take your whole life away also threatening screenshots from the conversation through text I have the fake loan agreement I have him taking and putting the money out of my account I have my account dropping and how much I had a nap so much evidence it's actually a good thing it was on XX/XX/2022 all the way until today XX/XX/2022 and I still haven't heard from Chase Bank and I'm tired of this
Product: Credit reporting or other personal consumer reports

Violations of 15 U.S. Code 16815-2. Inaccurate Reporting of information. I have reached out to XXXX, TransUnion, and XXXX in regards to unauthorized Inquiries on my credit report and fraudulent accounts opened on my credit report without my consent. In from XXXX to XXXX I reached out to these bureaus to investigate the matter. After 30 days I received reports from the dispute but nothing was changed after saying the accounts were updated and verified. I compared my report from the prior months and noticed nothing had been updated, which is a violation of my consumer rights and a violation to the FCRA Laws. I made them aware that these accounts in question were fraudulently opened under my identity which put me as a consumer and my credit report at great jeopardy. Failing to investigate this matter was a violation and how they are not to be reporting such information especially if I have made them aware that I didn't apply for any lines of credit nor product, as a data Furnisher, their job is to make sure accuracy reflects on a consumer report and I have showed them where they have violated with them not complying with my request to have these inquiries and accounts deleted is a violation of my consumer rights and that they are being non compliant with Federal, State and FCRAS guidelines. I have pointed out the Laws to these Data Furnishers and how they are in clear violations of what they have been furnishing, Credit Reporting Agencies from what they have allowed these institutions to Knowingly Report the inaccurate information. This is a clear violation of 15 U.S. Code 16815-2 and my Consumer Rights, this has affected my ability to obtain Credit and have damaged my Reputation as a Consumer. I Demand these Inquiries and accounts be Deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just started montering my credit because I am trying to buy a house, I see an ample amount of accounts on my profile that I have no knowledge of. I want these accounts to be validated and once you see these accounts don't belong to me I want these accounts removed
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, MI XXXX XX/XX/2023 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX RE : Requesting a Method of Validation Dear Sir/Ma'am : I recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. 

Collection Agency : XXXX XXXX XXXX ( XXXX ) Account Number ( XXXX ) : A : ) XXXX B : ) XXXX I am certain that the item I disputed is incorrect and should be removed, so l am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute.

I am very interested to learn how your investigators arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to as part of this investigation.

Please provide the following : 1. Validation of the debt -- that is, the actual accounting.

2. Verification of a signed Invoice.

3. 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. '' I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, sol need specific answers to the specific questions asked of you in this letter. 

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 

Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 


Very Respectfully, XXXX XXXX XXXX
Product: Debt collection

This company called my cell phone on XX/XX/2020 Seven ( 7 ) times within a 5 hour window, so roughly a call an hour. When they call they call back to back so 2 calls each time. I answered the 7th one. They also called from multiple numbers not just 1. This is not the first time either, I am just tired of it. 

It is disturbing to have that many calls from the same company so frequent. It is annoying and a nuisance. And I am sending the company a cease and desist to avoid further collection practices like this.