23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. I am disputing this debt because I do not owe it. My credit report was hacked & been userd and abused by someone else other than me because I have been XXXX
Product: Debt collection

I was contacted by telephone by a company purporting to be attempting to collect a debt I owed. They would not give me any information about the debt and were demanding that I provide my date of birth and social security number. I am positive that do not have any debts that would be in collection. The phone number for the debt collector was XXXX XXXX XXXX XXXX. The person identified himself as being with Transworld Systems.
Product: Credit card or prepaid card

Some how a double payment was processed on XX/XX/23 and XX/XX/23 both in the amount of {$290.00}. When I seen this I contacted the Credit Card Aspire handled through the XXXX XXXX XXXX XXXX Told I would receive that over payment after investigation and days for a check to be mailed, asked for a credit back to the account it was paid from, they said no, but would expedite because of the temporary financial distress it has put me in. After giving it the time to receive the check, I used the card to pay utility bills, since the account was still showing a credit of {$290.00}. They have now charged my for those transactions, XXXX and still haven't to this day received a check or credit for the over payment. I keep getting misinformation about what is going on and what they are doing, last spoke to a supervisor XXXX, ID # XXXX, today, XX/XX/23, told to wait another 30 days to call again if nothing is received, nothing they can do. How many other customers have had this issue before and handled the same, I would think many.
Product: Credit reporting, credit repair services, or other personal consumer reports

chex systems has not removed my information off there reporting system. XXXX XXXX XXXXXXXX has claimed there was fraud on my account which there was not due to the privacy act my rights have been violated claiming this information this account was closed on XX/XX/2018 ive disputed this item several times and no resolution has happened
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX/XXXX I disputed with XXXX XXXX XXXX XXXX  on the validity of debt. It was completed on XXXX/XXXX/XXXX and thus deleted. I advised XXXX and Equifax that item was deleted but they hav n't deleted it off their reports yet to date. Please help
Product: Mortgage

Our bankruptcy attorney never submitted a reaffirmation of the debt of our mortgage to the bankruptcy court. Our mortgage company , The Money Source ( TMS ) did not approve the reaffirmation and send the form in time to get signatures or get it to the court. TMS is on the XXXX coast and we live on the XXXX XXXX, it generally takes 7 days for First Class mail between the XXXX coasts. TMS sent the form on a Thursday and the court ( XXXX miles from where we live ) XXXX our bankruptcy on the following Monday. Even if the form was sent overnight, it would not have reached us in time. TMS 's lack of response to our inquiries, this reaffirmation issue and now this third regulatory complaint has caused us to suffer in our ability to repair our credit and will cost us higher interest rates for years because they state they are unable to report our perfect payment record to the 3 credit bureaus due to no reaffirmation. In seeking new legal advice we were told our bankruptcy case can not be revisited in court. There appears to be no legal remedy so it is up to TMS to resolve this issue. In our last regulatory complaint TMS responded in part with a letter showing our perfect payment record. We have asked for some remedy in the case that an attorney does not perform their legal duty as TMS claims and have received no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are collections on my file, one is fraudulent and one was reported past the 4 year deadline of oral agreements of Florida statue of limitations for filing a claim ( 4 yrs and months ).

The fraudulent one has had the correct records sent to all reporting agencies showing its fraudulent ( I went to a completely different facility with a different doctor than what XXXX XXXX is claiming ) yet they wont remove it. 
The one that expired shows it was from time of first activity was XX/XX/XXXX but wasnt reported until XX/XX/XXXX. They have refused to address this and remove item for the statutory offense.
Product: Credit reporting or other personal consumer reports

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

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

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

I am being charged for two accounts I did not open. Someone used my social security to open this account without my knowledge. The companys name is Affirm Inc.The amount is for {$170.00} and {$140.00} fraudulent charges were made. The date opened was XXXX XXXX.
Product: Debt collection

Hi, I have been dealing with Oklahoma state tax commission for income tax not paid in XXXX. I have been contacted multiple times from Linebarger Goggan Blair and Sampson, LLP about unpaid debt. However, the income tax was paid and I have proof of paid taxes from XXXX. I have been trying to fix this since XX/XX/XXXX. I also repaid this debt in XX/XX/XXXX. Which I also have proof of. I recently contacted again from Linebarger in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX  Account # 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section : States no consumer reporting agency maty make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) Section : States 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow up on my complaint that you've closed XX/XX/XXXX. My issues wasn't addressed well. 

I am asking for your help to have XXXX XXXX XXXX with an account number XXXX opened in XX/XX/XXXX deleted from my file. I asked the bureaus todo verification for this account and they did. They stated that the account is accurate without providing me any proof of how and who checked it. I know under the law that they are required to provide me all the information as proof.
Product: Debt collection

On XX/XX/XXXX I applied for a personal loan with XXXX XXXX. I was immediately informed of an account in collections in XXXX. I had no idea, I was never sent a bill or so much as a phone call. XXXX XXXX provided me the account information. This is how I first learned of this bill in collections. The same day I filed a dispute throu XXXX since it was showing up through them. The following day I get a call from the debt collection agency. I asked why I was never made aware either mail or phone of this balance.The man said there had been 4 mail and 4 phone attempts to reach me. I told him that was a lie I had never been contacted. He said that the account was not yet sent to collections yet. Which was another lie since I had been made aware one day before that it was. 
XXXX  dispute had been completed and that account was to remain tillXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXXXXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX  Account Name : XXXX # XXXX Account Name : XXXX XXXX  XXXX XXXX Account Name : XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After extensive review of my credit report, I noticed there are errors on my credit report. My consumer report will be in accordance with the written instructions given by me and I demand my report to be updated accordingly. I am aware that accounts placed for collections or charged to profit, and loss shall be excluded from my consumer report, as a result, I have not received a 1099-c from furnishers, so that I may file this charge off as income. Due to the negligence of data furnishers and Experian, I will be filing a form XXXX of this fraud with the Federal Trade Commission and XXXX XXXX XXXX XXXX XXXXXXXX concerning the tax fraud. The companies have reported fraudulent activities on my consumer report when all these accounts were prepaid the moment, I gave the company my application with my signature. My consumer report does not include a report containing solely as to transactions or experiences between the consumer and the person making the report. I know of no late payments on any of these accounts. 
I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct to my knowledge.
Product: Checking or savings account

on XX/XX/2024, Chase Bank closed three of my accounts, 2 checking and 1 savings account with funds in excess of {$23000.00}. They have on numerous occasions have told me the check is in the mail, the account is under investigation, or they do not have any information to share. I have connected with several Chase employees and managers, none of which knows what is wrong, how they can help or when I will receive my money.

I have not received any written or electronic notice stating that my account is under reveiw and why. 

I have spoken to a case worker, XXXX at Chase. happy to provide her details.
Product: Student loan

I have defaulted with a private student loan a couple of years ago. Now a collection agency/ '' lawyer? '' has been contacting not only me but also my mother as well as my boss several times a day leaving extremely rude messages and trying to get personal information from my job. On top of this they have tacked on interest of {$8300.00} and a collection cost of $  XXXX  The school I attended was the  XXXX   XXXX  of California in  XXXX   XXXX
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence Engelhardt. v Gravens ( mo ) XXXX XXXX | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). 
XXXXXXXX XXXX XXXXXXXX. {$29000.00}, XXXX XXXX. {$1900.00}, XXXX XXXX. {$3000.00}, XXXX XXXX. {$11000.00}, XXXX XXXX XXXX XXXX. {$370.00}, 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 XXXX XXXX, XXXX, I submitted a certified written dispute. The reason for my dispute was for 30 days late reporting on my credit file. I firmly believe this is inaccurate information reporting or a system error. I was never late or ever missed a payment on this account. I haven't received a response on this issue ; I have asked 30 days late to remove it from my credit file. I'm challenging this issue through the CFPB to correct this issue and conduct a reasonable investigation. If you refuse to fix this inaccurate information or remove the data from my credit file, you will be inviolate by the Fair Credit Reporting Act. I will open up a sue in Federal Court ; I will open up a complaint with the XXXX. I have supporting documentation to support my sue and complaint. I have a payment transaction date on XXXX XXXX. I made a double payment ; I paid for XX/XX/XXXX and XX/XX/XXXX. I was never late. 

Account XXXX : XXXX XXXX Account # : XXXX
Product: Checking or savings account

I was scammed out of sending Paypal XXXX on XXXX due to an oversent amount for a refund. A purchase was made on my paypal account for a cell phone that I did not purchase. Paypal stated that there was no purchase made and there was nothing that they could or were willing to do. The purchase no longer shows up on my account. I was told that I may have been spoofed Statement of what occurred ( use additional paper if needed ) : I called Paypal in regards to fraud on my account. I was told that I was talking to XXXX in the fraud department. This is the first time I have had issues with my account. He told me that I need to fill out this form. I completed it the way he said, He said it sent my account XXXX instead of XXXX. That I need to send him the difference. He said the money would be in my account by Sat ( XXXX ) I informed him that it didnt get deposited. I called right after the wire was processed and canceled the transition. However, the money was already sent out. 
Wire transfer was sent to XXXX XXXX the XXXX of Paypal ( he claims ) Called Saturday, XX/XX/XXXX, asking if I had received the deposit. I told them no. He said be patient that the deposit would be made on Monday. 
Today, XX/XX/XXXX, he sent me an email with a XXXX XXXX XXXX check stating that the refund was in limbo because their bank had a XXXX dollar threshold. I didnt give him any information and didnt answer anymore calls or text. The number on the check went to a person on a cell phone. I told him that I did not trust him and that I wanted my money returned. He wanted me to talk with his manager. I refused. 
XXXX Emailed me requesting a call back to complete the refund. 
Numbers he called me from XXXXXXXX XXXX XXXXXXXX, XXXX Ca XXXX, number on the check XXXX. 
The address he gave was XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax announced in early XXXX that the personal information of millions of American consumers were leaked due to a cybersecurity incident, and I am one of the affected. The incident involved a flaw in XXXX 's " XXXX '' software which Equifax used as the foundation to their web application. By way of analogy, Equifax 's web application software is like a brick-and-mortar bank with consumer data in its vault. A flaw in XXXX is like a bank mistakenly leaving a window open, allowing a burglar to access the interior of the bank. Cyber criminals used this flaw to access the vault. As XXXX XXXX XXXX XXXX XXXX  Vice President ) said : " It is good software engineering practice to have individually secured layers behind a public-facing presentation layer such as the XXXX XXXX framework. A breach into the presentation layer should never empower access to significant or even all back-end information resources. '' In other words, the vault should be locked so burglars gaining access to the building can not enter the vault. Equifax perhaps could not have known or be held responsible about a flaw in XXXX, but their negligence allowed this flaw to result in the leak of consumer data.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. 
List of accounts XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 usc 1681 section 602 A states I have right to privacy 15 usc 1681 section 604 A a consumer reporting agency can not furnish a account with out my written instructions 15 usc 1681c ( a ) ( 5 ) section states no consumer may make any consumer reporting containing any of the following information any other adverse items of information other than records of conviction of crimes no more then 7 years 15 usc 1681-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if person knows or has reasonable cause to believe that the information is inaccurate Fair resolution is : Delete the accounts XXXX XXXX XXXX XXXX Experian information solutions XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX XXXX : XX/XX/XXXX Adresss : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Return Address : same as address XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ] Dear XXXX, I am writing to dispute the following information that appears on my XXXX  consumer report : Dispute 1 Account Number - XXXX Source of dispute information : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Mi XXXX They are stating I am responsible for a credit account from syncing bank and is now in collections. 
Dates associated with item being disputed : XX/XX/XXXX and XX/XX/XXXX o Im the victim of identity theft and I dont recognize one or more of the accounts on my report. My wallet was stolen with all my information, my social security cards as well as my childrens and credit cards, I have reached out to XXXX more than once and they state the information is accurate when it is not. 
Dispute XXXX - account number XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX are stating I am responsible for a credit account with a company I know nothing about. I have tried to dispute this more than once but they arent fully investigating anything. It is affecting me a great deal. 

Thank you for your assistance. 
Sincerely, XXXX XXXX
Product: Debt collection

I have had this level premium term policy a long time. Within the last three months the payments due appeared to increase. I called customer service and spoke with a nice lady in the XXXX  who services American customers for XXXX XXXX. She confirmed I was up to date. I asked her which bank is the company using for its billing? Answer Wells Fargo. No surprise! XXXX up the accounting in an attempt to drop my policy when they want to for non payment because on the form it looks like past due amount, note the dates. On the original contract it is monthly payments. Just another dirty tactic on the part of the XXXX XXXX  XXXX of which Wells Fargo is. My guess is that they want to be able to cancel liability to life insurance policies when they decide because it must be due to the fact of more people dying and anticipation of it. Already the American people are being assaulted on a daily especially NY which is in a cool down due to the Geoengineering by HARP. I feel like I live next to the runway of a major airport because it is non stop even as I write this. Those elite the " in '' are getting ready to push the button on the next false flag or maybe they are just going to kill the American people by other silent weapons for their quiet wars. I know your agency won't do anything because all you are designed to do is assist the XXXX by getting information from the people to use it against them. So I am using you to get this message that the people are waking up. 

XXXX XXXX Trustee All Rights Reserved Previous recent complaint ... .and all the others that are not being addressed with this bank ... 
Latest Complaint filed today XX/XX/2018. 
Wells Fargo Bank committed acts of fraud and account manipulation on the mortgage as detailed in previous complaints. The Trust is not obligate for the fraudulent debts perpetrated by this creditor and does not acknowledge the alleged mortgage that was unlawful and improper See all previous complaints of the numerous attempts and unlawful actions taken by Wells Fargo Bank to steal the Trusts Property.. All the answers from Wells Fargo Bank are unacceptable and the CFPB should address the complaints more seriously. The latest stunt by XXXX XXXX was a 200 +page document submitted to the XXXX County Supreme Court requesting a referee for summary judgement which I found out after the fact. The court removed this case out of the forclosure settlement part because the Trust does not have a contract with Wells Fargo. This is yet another sneaky attempt attempt to steal the Trusts property. I am not accepting this document for the record publicly which was recently received as attached as there has been no settlement acknowledged by the Trust. As Trustee I have no idea what this check is about.The County Clerk, the Court and the XXXX DA Offices were notified of the problems with the continued actions of Wells Fargo Bank. 

See numerous complaints filed and unaddressed properly. 

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

I sent a letter on XX/XX/22 to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm trying to get a copy of my equifax report and they can not and will not give it to me without sending a written letter ... they validated my identity but still tried to get me to go to a service for monitoring to get my free report