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

In XXXX and XXXX of 2021 I filed a dispute with this bureau about the unverified account : XXXX XXXXAccount # XXXX. In these months I have not received a notice in 45 days and show that this account is out of investigation. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. Thank you
Product: Credit reporting or other personal consumer reports

i reviewed my consumer reports and notice that i had an late payment on an account that i was never late for. the consumer reporting agency have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. i have never been late on payments for the account that i have included the dates and screenshots inside of this complaint ( XX/XX/2019 ). please reinvestigate and provide proof with statements showing that these payments were late. if proof cant be provided i demand these payments be uodated to paid as agreed on time as they should be due to the fact i was never late. thanks please see screenshot attached
Product: Debt collection

On XX/XX/2020, Diversified Consultants was placed on my credit report for collection. I have never received any contact from XXXX on this debt. This was an account that was released and the balance was paid by XXXX XXXX XXXX when the account was transferred over. When I went to XXXX after transferring the account to XXXX XXXX XXXX I was told that the account was cleared and in good standings. No further contact was ever made by myself or XXXX, nor any final bills received from XXXX by me or sent from XXXX to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX inaccurate collection/chargeoff, inaccurate last date active, inaccurate date of last payment throughout all XXXX credit company. Information is not valid and proven to be inaccurate.
Product: Debt collection

Response from SETERUS to complaint number XXXX was not satisfactory they need to supply proof as requested in my complaint number. 
Summary judgment was not granted and there is a counter suit against SETERUS for filing a fraudulent complaint. 
SETERUS is in possession of a fraudulent Note. Their Note is missing my Social Security number. 

XXXX never lawfully filed foreclosure are in violation of TILA, FDCPA, FCRA. 
They are guilty of mortgage fraud, fraudulent misrepresentation, identity theft, forgery of my signature, harassment and invasion of privacy. 

XXXX XXXX XXXX was sued by the FED 's for deficiencies with these same documents used in this case. So these documents should have never be used in another foreclosure. You are next SETERUS and this time I pray someone goes to jail. 

SETERUS must Stop opening accounts and taking out loans in my name without my knowledge and consent. They are guilty of identity theft. 

XXXX XXXX XXXX your name will be added to the lawsuit for perpetuating the fraud. You are not the boss of me so do not tell me what to do. You speak to your attorney. In litigation is not an answer and has nothing to do with reporting SETERUS for debt fraud. 

SETERUS have no credibility and they owe me now for stealing my identity and other fraudulent activities. So SETERUS should Pay up or shut up! 

See attached documents for further details
Product: Credit reporting or other personal consumer reports

I am writing with the utmost urgency to demand immediate action regarding the fraudulent accounts and erroneous information unlawfully reported on my credit file. As a victim of identity theft, it is imperative that this situation is promptly rectified. I insist that you take the following actions forthwith Expunge all fraudulent accounts from my credit report. 
Provide written confirmation that these items have been removed.

Conduct a comprehensive investigation into how these accounts were erroneously reported. 
Ensure that all future credit reports reflect accurate information and are devoid of any fraudulent activity. 

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

These two accounts on my credit report are showing as open accounts when they are closed ( collection ). Consumer law stated that credit reporting be as accurate as possible.
Product: Checking or savings account

On XX/XX/XXXX I received a text message from HBSC bank someone was trying to use my card. I was to text back yes or no if it was me then instructed to contact fraud. I contacted fraud department and I was told to destroy my card and a new one will be issued pin will stay the same the Rep said. I waited over the time frame for the card to arrive so I visit one of the local banks in XXXX XXXX NY. I went there to get money not only was I being denied my money because I refuse to sign like my ID signature which I signed when I was XXXX years old and my signature has changed for the past 14 years I have never had this issue. But then finally I was given money out of my account. Then I went to customer service to ask about the were about of my card. I was told they were not sure and I asked for a tracking number and was told there was no tracking number. I said that does not make sense and explained I will be leaving the next for work. I was told nothing can be done and the way I spoken to in front of my son made me really upset. I asked why do you guys not give temp cards XXXXl XXXX and XXXX give cards on the spot then I was told maybe it is best I transfer to that bank. After being with you guys since XXXX I am so upset for the treatment of my own money. Almost a month later XX/XX/XXXX I received my HSBC replacement card. I activated in the morning the same day used the card the same day with no problem. I went to ATM to find out my pin has been changed which I did not request, was not commutated my pin will change and did not received any type of mail about been change. Last night XX/XX/XXXX I had an emergency and went to with draw money which I could not do because my pin was not working. I contacted HSBC bank I was hung up on with firs rep when she said she could not find the card in the system. Called a different rep and I told I was my card is blocked for 24hrs. I explained I needed my card and then I open the app I was charged {$35.00} insuffient funds which is inaccurate I check my account almost everyday and never seen negative or under amount I need to use I am highly upset and I do plan on now leaving HBSC.
Product: Credit reporting or other personal consumer reports

I attempted to get a property modification for my house at XXXX XXXX XXXX XXXX XXXX  5 times and XXXX  XXXX XXXX never responded. At one point they said there's no such such thing. I argued with them and this happened 5 times but they did send paperwork for a property modification but they never responded. This is a violation of federal law. They have violated my Constitutional rights under the 5th and the 14 amendments. No person shall be denied the right of life liberty or property without due process. I'm a XXXX XXXX XXXX Veteran and living in a basement because XXXX  XXXX XXXX has stolen my house. They have also been investigated under the RECO Act and have had many class action suits against them. I'm going to contact XXXX to get the information out to the public regarding how this Bank treats their customers.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX XXXX  Account Number : XXXX This debt collector has no contract with me. I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V. GRAVENS ( MO ) 281 SW 715.719.

I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS PURSUANT TO 18 USC 8, I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681-B2 COMPANY HAS NO PERMISSION TO REPORT MY INFORMATION PER 15 USC 1681. 

I am putting you on notice that I the consumer refuse to pay this debt under the fdcpa : ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except **Violation of FDCPA : ** The notice fails to provide verification of the debt as required by 15 U.S.C . 1692g. I have not received any validation or verification of this debt despite previous requests.

**Misleading or Deceptive Practices : ** The language used in the collection notice could be perceived as misleading or deceptive under 15 U.S.C. 1692e. It does not clearly state my rights to dispute the debt or request verification. 

Under the FDCPA, I am entitled to verification of this debt and to dispute its validity. Therefore, I request that you provide me with the following information promptly : - Verification of the debt, including proof of the amount owed and the original creditor. 
- Documentation showing that your agency is authorized to collect this debt. 

Please note that until proper verification is provided, I dispute the validity of this debt and request that you cease all collection activities, as required by 15 U.S.C. 1692g ( b ). Any further collection efforts without providing the requested verification will be considered a violation of the FDCPA. 

Please respond to this dispute within 30 days from the date of this letter. Your failure to comply with the FDCPA may result in legal action being pursued against your agency. 

WHY IS THE BALANCE {$67.00} WHY IS THERE A DATE OPENED OF XX/XX/year>? BUT YOU ARE BARELY REPORTING THIS ACCOUNT ON MY CONSUMER REPORT? 
THIS HAS ALREADY BEEN DISPUTED AND REMOVED YOU ARE NOW REAGGING THIS ACCOUNT BY RE INSERTING THIS ON MY CONSUMER REPORTS WITHOUT NOTIFYING ME OF SUCH ACTION. DELETE IMMEDIATELY AND PAY MONETARY RELIEF FOR YOUR VIOLATIONS UNDER THE FCRA AND FDCPA
Product: Credit card or prepaid card

Capital One refuses to raise my credit limit because I'm XXXX. I complained before in greater detail, the situation has not been resolved so I'm complaining again.
Product: Credit card

I've had a closed Credit card on this business account in the past from Chase, and for the last over a year I kept on getting pop ups with pre approval for the Credit cards in that bank account, so I finally decided to apply, and now they are closing it without saying any reasons, when I did not do any late payments or any other not normal acts.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 and a second time, XXXX bank requested a " Hold Harmless Agreement '' from Wells Fargo so I could get my {$200000.00} back from XXXX Bank. FINALLY, after many phone calls and messages, I signed the agreement on XX/XX/2022. IT TOOK 3 MONTHS!!!!!! I am trying to confirm the Hold Harmless Agreement was sent to XXXX Bank. I would also like to know when I am going to receive my money. 
This all started XX/XX/XXXX. I have been more than patient. XXXX XXXX is in charge of my case. XXXX people have emailed XXXX requesting an update. He has not answered anyone. I even told him in my email that if he didn't respond to me, I would file another complaint. 
Case Number : XXXX Consumer Financial Protection Bureau Case XXXX I need MY money, please. 
Thanks!
Product: Debt collection

Account name LVNV Funding Acc # XXXX Balance showing : {$2600.00} What balance should be : XXXX Case Type ID THEFT Which bureaus is the error on? All XXXX Bureaus Account name LVNV FUNDING LLC Acc # XXXX Balance showing : {$610.00} What balance should be:XXXX  Case Type ID Theft Which bureaus is the error on? All XXXX Bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I called into Experian on XXXX to get an addresses removed. I was intially advised my information was compromised and I called in on XX/XX/06 to get it fixed. Which I did not. 
I attempted to get an address removed but was advised I couldnt because it was attached to a loan. She asked did I have student loans and I said yes and said well this cant be deleted. I the requested a supervisor. She took my number down and said she was going to transfer the call I said wait Im not finish and then she says well you asked for a supervisor they will finish. She cut me off while I was speaking and attempted to transfer the call but of course it got disconnected. Pls remove the addresses attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting my name incorrectly ( XXXX " XXXX '' XXXX ) in connection to two XXXX XXXX XXXX accounts on my consumer report. 

Attached you will find a copy of my USA issued passport ID as proof.
Product: Credit reporting or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete information on my Credit Report and I'd like to dispute this incurrate information. ther credit bureaus like XXXX and XXXX has already corrected the inaccuracy of the account and I am wondering why are you still reflecting the late payment in your record? I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please update this account : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im incredibly upset to see unauthorized inquiries on my credit report tonight, and I have no idea how they got there. Ive been checking my credit report regularly, but this time, there were unexpected discrepancies. I tried refreshing my browser, hoping it was a technical error, but the unauthorized inquiries remained. This has left me extremely frustrated, and Im requesting that the documents Ive sent be carefully reviewed so I can move forward without this worry.
Product: Debt collection

Had procedure with XXXX XXXX. Started receiving bill from company, then a collection company. Was making payments, then received a bill from Frost-Arnett. When I contacted Frost-Arnett, I  was told they were the new collection company and payments had to be made to them. They collected around {$150.00}. Then I received a letter from original company inquiring why I had not made any payments. When I called the anesthesia office, they explained that Frost-Arnett was not their collection company and had no connection to my debt. When I contacted Frost-Arnett, no one ever called me back and never received any refund. 
It has been almost two years and Frost-Arnett started sending collections again. This is after the bill has been paid. 
They are a scam and should not be allowed to say they are representing companies when they just take your money.
Product: Debt collection

They call me every single day begining at XXXX XXXX all the way until after XXXX XXXX i receive about 6 calls a day for almost 2 months now. i have already told them to stop callimg me because my phone number they are calling to belongs to my XXXX year old son. So instead they will put a vocie machine to talk for me to contact them.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Equifax, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may 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 ) 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 accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my free annual credit report and saw an account on Experian I did not recognize called XXXX XXXX XXXXXXXX XXXX acct # XXXX opened in XX/XX/XXXX. I opened a dispute and the company maintained I owe this outstanding balance of {$960.00}. I contacted the company XXXX to find out what this about and they were very vague with their explanations and suggested that I dispute this through the credit bureau if I believe the date is incorrect. I opened a second dispute and just received word that the company is holding fast that this account belongs to me. In desperation I contacted the credit company this morning and it was while we were conversing that the agent on the phone call me Ms. XXXX? I asked her why did she call me that being that before anything could be discussed, I was asked for my name, address, and social security number. The agent then asked me again for my full name again and I reiterated XXXX XXXX. She asked me if I was ever known by XXXX and I said no. I asked again that they correct this error and was told I have to dispute it through Experian.
Product: Credit card

The date of the first delinquency that capital one has for late payment that you have does not match the date that I have under 15 USC 1681 be you must provide maximum possible accuracy and I'm taking into consideration that CFPB is suing you as well, I'm also requesting full disclosure of the XXXX of my profile
Product: Debt collection

This company ( commonwealth financial ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA.

Ive conducted some research on this company and in the state of Texas this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Texas. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Texas Department of Financial Institutions is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises.

They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.

Rescission of Contract '' Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office.

Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my God Given name ( XXXX : XXXX XXXX XXXX ).

1. Validation of the debt ( i.e. the actual accounting showing <XXXX XXXX XXXX : XXXX> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ;
Product: Mortgage

Our home at XXXX XXXX XXXX, XXXX XXXX, CA was foreclosed on while in a modification with BSI Financial Services. 

* Our home was foreclose on XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I checked my credit report and saw that there were inaccurate accounts on my credit report and I do not have any idea why it's there. I didn't wan na believe it at first so I tried refreshing the page but I was disappointed because it did not get removed so please thoroughly check the documents I've sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account, 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 an account without my written instructions. 


# XXXX - XXXX XXXX XXXX - INQUIRY DATE XX/XX/XXXX # XXXX - XXXX XXXX XXXX - INQUIRY DATE XX/XX/XXXX # XXXX - XXXX  - INQUIRY DATE XX/XX/XXXX # XXXX - XXXX XXXX - INQUIRY DATE XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB Officer, I am writing to dispute several unauthorized hard inquiries on my credit report that I do not recognize. The following inquiries should be removed from my report : XXXX XXXX  ( miscellaneous ) on XX/XX/XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/2022 XXXX  XXXX on XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ) sections 611, 609, 605B, and 616, I have the right to dispute inaccurate, incomplete, or outdated information on my credit report. However, I have experienced significant difficulties in attempting to resolve this matter with the credit bureaus. I have been unable to get a timely response to my letters or phone calls, and have even been hung up on due to a difference in dialect. 

I request that these inquiries be promptly removed from my credit report, and that the credit bureaus provide me with a written report of their investigation. Additionally, I request that the credit bureaus take immediate steps to address their customer service practices and ensure that they are able to communicate effectively with all consumers, regardless of their accent or dialect. 

Thank you for your prompt attention to this matter. 

Sincerely,
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a definite victim of this data breach and Equifax has done nothing. Please help me and allow for these false and illegal credit reports to be deleted from my account Thank You!!
Product: Student loan

I have a loan with DEPT OF ED/NAVIENT. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and DEPT OF ED/NAVIENT with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX 2018.
Product: Debt collection

I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against AD ASTRA RECOVERY
Product: Debt collection

This debt was paid in full by XXXX in 2011, which was the insurance held by the at-fault party of the auto accidentthat lead to my ambulance charges. I have attempted to dispute this debt with collection agency but they refuse to remove from my credit file.