23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit report effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. please help me delete these illegal accounts from my credit reports. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Rent debt automated collection XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written contacted Experian on three different occasions. Twice through the mail and once through online dispute. I keep writing them and disputing a collection account that does not belong to me. They keep verifying that is is accurate and I asked them in the last letter how did they verify this incorrect information. They responded back with verified once again. 

They will not tell me how they verified this information. I never did business with the company in question so I know they couldn't have verified anything but they are reporting false information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX have taken background checks to suspend and remove my account on their sites. The information, felonies and misdimeanor, are not of my person. 
The charges are from a state I've never lived in and the XXXX would not have let me enlist if I were a convicted felon.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX NC XXXXXXXX XXXXXX/XX/year> To Whom This May Concern, I have recently pulled my credit report and noticed that there is a collection listing your agency. I have never been notified of this collection action or that i owed the debt.

This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. 

Please attach copies of the following documents : XXXX. Agreement that you have authority to collect on this alleged debt. 
XXXX. Agreement that bears signature of the alleged debtor with promises to pay the original creditor. 
XXXX. Complete payment history on this account, to prove that the amount you wish to collect is correct. 

I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company. 
Sincerely XXXX XXXX
Product: Mortgage

I was in mitigation for having been unable to pay my mortgage to PLANET HOME LENDING due to XXXX. Additionally, I was unable to pay my XXXX. My mortgage company paid off the XXXX and added it to my loan. I was paying my mortgage, and XXXX up until XXXX of XXXX, when the mortgage company denied my payments saying they didn't have the lien release from my XXXX. I was contacted by the mortgage company again in XXXX and I asked to make a payment. I was refused. When I asked for the reason they were calling, the agent said " I was asked to call to see if you were able to make payments. '' I said I was and that I'd like to make XXXX at that time. I was refused. 
Since XXXX of XXXX, the attorneys for the XXXX, and myself, have sent copies of the XXXX releases. I, personally, have sent them in XXXX, XXXX, XXXX and most recently XX/XX/XXXX. Each time the mortgage company calls me, they tell me they need the lien release. At XXXX point last fall, I spoke to someone named XXXX, who spoke to her supervisor XXXX, who admitted this was their mistake and they had everything they needed. In the mean time I have received a notice of default. 
Yesterday, I called them and was told, once again, they needed the lien release. When I told the person I spoke to, XXXX, that i had sent them multiple times he went back to the notes and said " it looks like they are going to review your file and resume a payment plan in XXXX ''. He asked that I send the releases again which I did. In the meantime, they are saying I have an outstanding overdue balance of over {$35000.00}. 
I don't think I should be responsible for any penalties or late fees on this mortgage as I have gone above and beyond to make payments. In reality, I should only have about {$12000.00} outstanding since it's been XXXX months since they have refused my payments.
Product: Credit reporting or other personal consumer reports

This issue has been on going and the accounts that are reporting on my credit files do nit belong to me and were a cause from identity theft/fraud. per 15 usc 1681b this is illegal. I did not authorize anyone to furnish any of my information, let alone INCORRECT INFORMATION! I need these to be re investigated the right way. None of the companies were able to prove that these debts were mine and for that they must be removed.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

" I reviewed my consumer report and informed your agency on XX/XX/year> about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim.

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information.

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''
Product: Bank account or service

On XXXX XXXX, XXXX, I went to the XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NY, to open a checking account. Because I have had a savings account at this same branch since XXXX XXXX, and a positive banking relationship, I was astonished and embarrassed to be denied XXXX a personal checking account for myself and a corporate checking account for my law firm, a P.C. incorporated in NY in XXXX XXXX. The reason for these denials was that the XXXX indicated that my P.C. and I XXXX combined XXXX owed TD Bank a total of {$200.00} in overdrafts. I dispute this. I was given neither notice of these alleged overdrafts nor an opportunity to prove that these alleged charges were illegal and invalid. 
Four or five years ago, XXXX, I opened both personal and corporate checking accounts with TD Bank , NA. My XXXX partner noted that I was spending an inordinate amount of time in the XXXX XXXX XXXX Branch of TD Bank, contesting unwarranted and unjustified overdrafts. Finally a friendly TD Bank officer told me quietly that it was bank policy to maximize the number of overdraft fees on each account, by manipulating the receipt of debits and credits. In XXXX XXXX a XXXX federal judge approved a {$62.00} million class action settlement arising out of TD Bank 's illegal overdraft policies. ( In re : Checking Account Overdraft Litigation XXXX. Because TD Bank has continued to practice its illegal overdraft policies despite the XXXX settlement, a new TD Bank overdraft fee class action was filed on XXXX XXXX, XXXX, in federal court XXXX XXXX XXXX et al. v. TD Bank NA, case number XXXX, XXXX XXXX XXXX for the XXXX XXXX of XXXX XXXX XXXX This litigation is still pending, and I am still waiting for a refund check for the overdraft fees improperly charged to my XXXX accounts. 
Meanwhile it would be prudent for XXXX and XXXX to cease and desistfrom implementing TD Bank policies to force customers to pay illegal overdraft fees, or to forego checking accounts at other more reputable banks.
Product: Debt collection

Someone had access to my Social Security number and used it to either open a line of credit or a fraudulent collection company trying to scam some money out of people. I have never opened an account with XXXX for the alleged cable/cellular service. Someone has my Social Security number and used it, and is trying to steal money. Im not exactly sure what is really going on here. This is on my credit report now and shows up as a collection account. So the name of this collection company is amsher collection services and the amount that they are alleging that I owe is precisely {$650.00}. I have never received a bill or statement an email or anything from XXXX or from this collection agency. I have already disputed this issue twice with the credit bureaus. This is definitely fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Trans Union in regards to the glitch that happened last summer in 2016 and again in the beggining of the year 2017 where inquiries were deleted and then re added back to my report illegally due to the fact no one notifed me in writing within the 5 days. These inquiries add a hardship and my rights were violated! Please fix this as I feel victimized by trans unions tactics.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I received a letter from Equifax dated XX/XX/2019. It had been sent to my previous address as I had just moved in XX/XX/2019. The first sentence of the letter stated, " As you requested, we successfully placed an initial fraud alert on your Equifax credit report. '' I am not aware of anyone, including me, requesting an initial fraud alert. I called Equifax to inquire about the meaning of this letter, and to update them with my current address. After answering security questions for 15 minutes, they told me in order to explain the letter to me, I would need to mail them a number of documents including copies of my Social Security card and my Driver 's License. I felt it was unreasonable to be asked to submit documentation simply to have them explain a letter they sent me. I am hoping you can help me to find out what this letter is about.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested validation of a public record from all 3 credit bureaus this inaccurate information id detrimental to my living status enabling me to obtain proper shelter.. XXXX conducted proper investigation and removed the public inquiry but XXXX  and Experian have not I have also contacted to court to see how vaildate this public record and they indicated they do not. I allotted time to complete investigation but my life is taken drastic hit from the inaccurate public record
Product: Credit card or prepaid card

I had a credit card with Gap Visa Card by XXXX XXXX The website is so not user friendly. I tried to set up an automatically payment, but it kept rejecting my XXXX checking account. So I had to set up manual payment through my checking account. They charged late fees on me once, I complained, but this month charged me again. They never even tried to help me to set up an automatic payment I wanted. This month the payment due date was XX/XX/2018. But it shows my payment was delivered on XX/XX/2018. I already cancelled the card.
Product: Debt collection

CERTIFIED MAIL RETURN RECEIPT WITH MY WET HUMAN SIGNATURE AND CEASE AND DESIST OF SLANDER HARRASSMENT EMBARRASSMENT THREATS WHO ARE YOU DEFAMATION COLLUSION COLLECTIONS FALSE REPORTING & 18 USC 96 CAUSING IDENTITY THEFT HARM NOTICE INTENT TO SUE REPEATED OFFENDER YOU WILL RECEIVE AN INVOICE! 
XXXX : XXXX XXXX 
XX/XX/XXXX DEFENDANT : RMS - Recovery Management Services , Inc . 
XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX number : XXXX GO AFTER XXXX XXXX XXXX : ALLEGED ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX ORIGINAL CREDITOR ACCOUNT NUMBERs XXXX ALLEGED DEBT AMOUNT OR BALANCE {$1900.00} TO CONSUMER REPORTING CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX XXXX DEAR : RMS - Recovery Management Services , Inc. -BULK DEBT COLLECTOR BUYER STOP VIOLATING THE FDCPA USC 1692 [ I NEVER gave your company consent to use this account XXXX XXXX XXXX XXXX ] EXHIBIT XXXX : I AM UNAWARE OF THIS ALLEGED DEBT I DIDNT HAVE THE OPPORTUNITY TO DISPUTE THIS ALLEGED DEBT I DIDNT RECEIVE PROPER NOTIFICATION IF IN FACT YOU BELIEVE IVE RECEIVED PROPER NOTIFICATION, PLEASE PROVIDE THE CERTIFIED MAIL WITH RETURN RECEIPT WITH MY WET SIGNATURE STATING THAT IVE RECEIVED IT. 
ACCORDANCE TO 15 USC 1681s-2 ( a ) ( 7 ) A ( i ) BUT THE CEASE & DESIST DOSENT INCLUDE YOU FROM RESPONDING TO THIS REQUEST. IF YOU CANT PROVIDE ME WITH THIS INFORMATION, PLEASE DELETE THIS ALLEDGED ACCOUNT FROM MY CONSUMER REPORTS IMMEDIATELY. SEND ONLY CERTIFIED MAIL WITH RETURN RECEIPT WITH MY HUMAN SIGNATURE. FORWARD FLOW AGREEMENT, CHAIN OF ASSIGNMENT, PURCHASE AGREEMENT, SECRURITIZED OF THE DEBT. 
EXHIBITA2 : I WAS MADE AWARE OF YOUR ATTEMPT TO COLLECT AND ALLEDGED DEBT AFTER I REVIEWED MY CONSUMER REPORT. PLEASE BE THAT I HEREBY DISPUTE THE ABOVE-LISTED ALLEGED DEBT IN ITS ENTIRELY. YOU ARE ON NOTICE THAT YOU ARE UNLAWFULLY ATTEMPTING TO COLLECT THE ABOVE-LISTED ALLEGED DEBT. CEASE & DESIST ALL COLLECTION ACTIVITY, INCLUDING REPORTING AGENCIES ( CRAs ) BUT THE CEASE & DESIST DOSENT INCLUDE YOU FROM RESPONDING TO THIS REQUEST ABOVE IN EXHIBIT XXXX AND IT DOSENT INCLUDE YOU FROM DELETING ALLEGED DEBT FROM MY CONSUMER REPORT. THIS LETTER IS EVIDENCE PROVIDED VIA TO THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ). THE CFPB IS AUTHORZED TO FULLY INVESTIGATE THIS MATTER AND RECEIVE ANY INFORMATION RELATED TO THERTO. BE ADVISED, IF YOU FAIL TO COMPLY WITH THIS LETTER, I MAY TURN THE MATTER OVER TO A CONSUMER ATTORNEY. OR CFPB WILL SUE RMS - Recovery Management Services , Inc . 
BLUNTY, YOU HAVE 3 DAYS TO DAYS TO DELETE IN RECEIPT AFFIANT .XXXX  XXXX Living man far from being dead Beneficiary OF XXXX XXXX not the TRUSTEE UCC1-308 WITHOUT PREJUDICE WITHOUT RECOURSE STOP PLAYING WITH MY PERSON UCC1-308 ALL RIGHTS RESERVE WITHOUT PREJUDICE WITHOUT RECOURSE ALL DEBTS ARE OF THE UNITED STATES XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX CLAIM STOP PLAYING WITH MY PERSON YOU RULE BREAKER THIEF.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep disappointment and frustration regarding the ongoing presence of fraudulent items on my account, despite several attempts to have them removed. Regrettably, I must bring to your attention the fact that this is now the third attempt to address and rectify this issue, yet the problem persists. 

It is unacceptable that despite multiple attempts to address this matter, the fraudulent items remain on my account. This recurring failure to effectively resolve the issue reflects poorly on your company 's commitment to customer satisfaction and raises serious concerns about the adequacy of your fraud detection and prevention measures. 

I demand immediate and decisive action to thoroughly investigate these fraudulent transactions and ensure their complete removal from my account. Additionally, I expect transparent communication regarding the steps being taken to prevent similar occurrences in the future. With this, I am asking for your assistance to remove fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

On XXXX/XXXX/16 Chase bank XXXX no XXXX XXXX XXXX CA. The ATM withdraw of {$400.00} Atm did't give the cash We went inside to draw the money the account showed a ATm withdraw of {$400.00}, but we did't get the money.Showed the banker the ATM slip showing we did n't money So they put the money back into the account. But a month later they took it out again. saying it not on there summery of transaction. Now every bill has bounce I 'm about to homeless..
Product: Credit reporting or other personal consumer reports

XXXX NOT CLOSE THIS DISPUTE AS IT HAS NEW MATERIAL INFORMATION TO THE ERRONEOUS INFORMATION XXXX Dear Sir/Madam, I am writing in regards to my previous correspondence on XX/XX/2023 ( CFPB Case Number : XXXX ) and the attached insurance documentation. It appears there is still incorrect information being reported on my account that does not comply with the Fair Credit Reporting Act ( FCRA ). The XXXX insurance certificate provided clearly shows continuous insurance coverage effective XX/XX/2023 through the cancellation date of XX/XX/2023. As explained previously, this policy was temporarily bound just to close and fund the loan. However, your records continue to show a lapse in coverage from XX/XX/XXXX to XX/XX/2023 and that lender-placed insurance was necessary. This is incorrect. Moreover, I never received any information in writing that I was late in payments. As required by the FCRA, you are obligated to report accurate and complete information. The attached documentation proves there was no lapse in insurance coverage in XXXX 2023. Therefore, I am requesting you immediately update your records and credit reporting to reflect continuous insurance coverage, remove any lender-placed insurance charges and associated payment increases, as well as delete any derogatory credit reporting for the months in question. Please confirm in writing once these corrections have been made and provide an updated credit report verifying the inaccurate information has been fixed. If these issues are not resolved quickly, I will have no choice but to file a formal dispute under the FCRA and seek further legal remedies available to me under law. Thank you for your prompt attention to this urgent matter. 

ATTACHMENTS XXXX CFPB Final Response ( 1 ) .pdf ( 199.3 KB ) XXXX - COVERAGE.pdf ( 88.2 KB ) Hide ful
Product: Checking or savings account

I asked for a refund for online exams purchased XX/XX/XXXX, totally in the amount fo XXXX , from the XXXX XXXX XXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX. The merchant emailed me with approval of the refund. I never received the refund in my PNC virtual wallet account. On XX/XX/XXXX I contacted the merchant via email with no response. On XX/XX/XXXX I sent another email to the merchant followed up with a phone call wherein the merchant denied having the funds of XXXX $ since having " process the refund request on XX/XX/XXXX ''. After waiting to deal with the merchant directly I was out of the 60 day window period that obligates PNC to deal with a transaction dispute. I filed an out of window dispute request with PNC anyway wherein PNC did not look over my case and simply said they would not approve the dispute because it was past the 60 day window. I filed this out of window request because it is out of window- there should be more consideration and reasoning as to deny the request than stating that it is out of the 60 day window. I do not believe PNC fulfilled its obligation to not facilitate fraud by allowing the merchant to fraudulently keep my XXXX $ via not looking at my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have been fighting to remove these accounts that have been open without my permission its been removed off of my XXXX  and XXXX but still showing on my trans union, the account is from Account Name XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$26000.00} i also have a problem with my XXXX report which is simular to my problem with transunion report, its shown a negative account thats not mine or on other reports i dont own this account either XXXX  XXXX XXXX {$660.00} Credit limit {$500.00} {$0.00} Opened XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the failure of a credit bureau to properly reinvestigate and remove an incorrect late payment from my credit report. This late payment is associated with my XXXX XXXX account. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Despite my request, made under 15 USC 1666 ( b ) and 15 USC 1681s-2 ( a ) ( 2 ) ( A ) ( i ), the credit bureau has not complied with its legal obligations to reinvestigate and correct this inaccurate information. This failure has caused significant harm to my credit score and financial well-being. 

I kindly request that the CFPB take immediate action to ensure that the credit bureau adheres to its responsibilities under the Fair Credit Reporting Act ( FCRA ) and promptly removes the erroneous late payment from my credit report. 

Thank you for your assistance in resolving this matter. 

Sincerely, Regards/Sincerely, Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB : XX/XX/year> Last XXXX of XXXX : XXXX Date : XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the XXXX FCRA XXXX ( XXXX U.S.C. XXXX ) you are required to remove/block any items or information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting or other personal consumer reports

THE CREDIT FURNISHERS KEEPS BREAKING DODD FRANK ACT AND PURPOSEFULLY REPORTING A NEGATIVE REMARKD FOR LOAN XXXX. LAST XX/XX/year> THE VECHILCLE HAD A CLASS ACTION CLAIM FOR DEFECTIVE MOTORS. SEE ATTACHED
Product: Debt collection

I called and Dynamic Recovery Solutions ( hereinafter DRS ) and DRS would not provide any evidence of the claimed owed {$380.00} andwhich claimed debt they inserted in my credit file. I called the asserted provider Florida XXXX XXXX Department to verify that I had a " 0 '' balance and they confirmed a " 0 '' balance but XXXX would not accept the information but offered to send me a " packet of forms to fill out '' which XXXX was intended to extend the adverse credit reporting to XX/XX/XXXX and on information and belief other credit reporting businesses. I never received any forms to fill out and their agents were abusive. I contend that they engaged and committed a " tort of outrage '' using their business position to effectively cause an inability to obtain other shelter should I lose my present shelter and intentionally damaging my credit using their business position. It is my understanding that this is their business practice. 
I claim that the emotional distress and time associated with their trying to reverse their actions of committing a tort of outrage caused me extensive monetary damages and due to my medical condition threatened my life. Upon information and belief XXXX has committed like acts againts thousands if not 10 's of thousands of consumers like myself to force collection of invalid debt claims delaying removal of negative reporting to further harm persons like myself intentionally.