23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX  has continued to attempt a " debt '' of XXXX that they claim I still owe for when i had their internet services. This was an equipment rental fee. However, both pieces of equipment have been returned to them via XXXX as of XX/XX/XXXX. Copies of the XXXX  receipt have been sent to each " debt collector '' that XXXX uses, and still I am getting letters stating I owe for unreturned equipment. 
Latest company ( as of XX/XX/XXXX ) is called I.C System, i have tried to call and the number is not working, i tried to email and email bounces back... website only allows for you to choose reason of dispute but no attachments. 
This is the 3rd company that has now tried to collect a debt I do not owe, and yet here I am trying to get this resolved AGAIN
Product: Credit reporting or other personal consumer reports

I would like to dispute the following items off my credit report:


XXXX:     Previous Address(es): XXXX XXXX XXXX XXXX, VA XXXX XXXX
Previous Address(es): XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX  Previous Address(es): XXXX XXXX XXXX XXXX, VA XXXX XXXX
Previous Address(es): XXXX XXXX XXXX XXXX, VA XXXX XXXX
Previous Address(es): XXXX XXXX XXXX XXXX, VA XXXX XXXX
Previous Address(es): XXXX XXXX XXXX XXXX VA XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  
Experian:  Previous Address(es): XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX   Previous Address(es): XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Previous Address(es): XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX
Previous Address(es): XXXX XXXX XXXX XXXX  VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX    XXXX   IS REPORTING THE ACCOUNT #  XXXX  WITH OUTSTANDING BALANCE, WRONGFUL DATE OF EXPIRATION AND REPORTING THIS AS A REVOLVING ACCOUNT WHEN IT IS A MORTGAGE.   ACCOUNT IS TOO OLD TO BE ON FILE HAS PASSED A 7 YEAR STATUTE OF LIMITATIONS AND IS IN VIOLATION OF FCRA RULES AND REGULATIONS REMOVE THIS FROM MY REPORT IMMEDIATELY AND ACCORDINGLY I HAVE CONTACTED  XXXX    XXXX   SEVERAL TIMES WITH NO LUCK, NOW THEY HAVE CHANGED THE STATUS OF THIS ACCOUNT TO FORECLOSED WITH EXPIRATION DATE OF  XXXX  WHEN IT WAS REPORTING  XXXX  OF  XXXX  AND THEY ARE REPORING SAME ACCOUNT DIFFERENTLY TO  XXXX  CREDIT BUREAUS ... THIS IS A VIOLATION OF FAIR CREDIT REPORTING ACT AND A VIOLATION OF FAIR COLLECTION PRACTICES. I 'M DEMANDING  XXXX    XXXX   TO DELETE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY IN ACCORDANCE WITH FCPB AND FTC RULES AND REGULATIONS
Product: Credit reporting or other personal consumer reports

My purse was stolen from the restroom of the XXXX XXXX station. My ID, SSN card, Debit Card, Library Cards etc were inside. My information was also included in the XXXX data breach. My information is out there on the dark web as a result of this. 
The dates are ranging from 2020 to current. I agreed to work with Law enforcement. I have requested that the false accounts be removed, however these accounts are still present.
Product: Credit reporting, credit repair services, or other personal consumer reports

i try disputing the issue with dentists and refuse to talk with me because services wasnt completely, XXXX Equifax XXXX Account Name : XXXX XXXX XXXX XXXX XXXX   Account Number : XXXX XXXX Account Type : Collection Department / Agency / Attorney Collection Account Account Status : Closed Open Monthly Payment : Date Opened : XX/XX/2013 XX/XX/2013 Balance : {$1700.00} {$1700.00} Terms : 1 Month High Balance : Limit : Past Due : {$1700.00} Payment Status : Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Comments : Account in dispute-reported by subscriber
Product: Money transfer, virtual currency, or money service

Current lawsuit against Zelle ( peer-to-peer money transfers ) and banks due to lack of fraud protection. The lawsuit was stated and announced within XX/XX/XXXX and was on your CFPB website on XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to address the ongoing issue regarding a late open account on my credit report despite multiple attempts to correct it. This marks my fifth formal attempt to rectify this matter, which remains unresolved despite previous assurances and efforts. 

As previously communicated, the presence of this late open account inaccurately reflects upon my creditworthiness and financial responsibility. Despite my diligent efforts to provide documentation and evidence supporting the erroneous nature of this entry, it continues to persist, casting a shadow over my credit profile. 

I demand immediate action to rectify this discrepancy and remove the late open account from my credit file. It is imperative that your team conducts a thorough review of the documentation provided and takes decisive steps to correct this error without further delay. 

Failure to address this issue promptly and effectively will leave me with no choice but to escalate this matter through appropriate channels, including regulatory authorities and legal avenues. With this, I am asking for your assistance to correct this account in my credit file : XXXX XXXX Balance : {$0.00}.
Product: Credit reporting

Credit report is showing I owe {$68.00} to XXXX ... this debt has been paid ... I challenged it through XXXX & they deleted it from my report ... I also called XXXX XXXX & they are not showing any such debt ... Please remove this negative information ... thank you XXXX XXXX ... XXXXXXXXXXXX
Product: Mortgage

I applied for a Loan Modification on XX/XX/XXXX and XX/XX/XXXX and I was denied on XX/XX/XXXX and XX/XX/XXXX. I was struggling to pay my mortgage due to COVID-19 my job was shut down with the XXXX XXXX XXXX XXXX XXXX I second job I was XXXX XXXXXXXX XXXX and my hours were reduced. 

I was dismissed from Bankruptcy Court  XXXX XXXX on XX/XX/XXXX. I had a pipe to burst in my master bathroom and my home had mold and mildew in XX/XX/XXXX. On XX/XX/XXXX Hurricane Sally damaged my home. So, for three and half years I was fighting with my insurance company, and I was getting denied. I had to hire a public adjuster to assist me with my claims prior to my dismissal from my BankruptcyXXXX XXXX ; however, I called US bank to schedule four payments to come out of my bank account every two weeks and it would have taken care of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XXXX called US Bank and the representative canceled all four of my payments. On XX/XX/XXXX, US Bank sent me a return payment in the amount of {$230.00} dollars, and a second check on XX/XX/XXXX, in the amount of {$510.00}. In my restricted escrow account, there is a reminder {$17000.00} and my past due mortgage from XX/XX/XXXX, to XX/XX/XXXX, is {$17000.00} to bring my mortgage account current. I wrote US Bank Loss Draft, and they verbally informed me since I have a sell date of XX/XX/XXXX, I can write a letter and explain how I want the reminding amount of my claim funds to go toward my past due mortgage. I am aware of my payment for XX/XX/XXXX, I can pay my XXXX  mortgage but I did request a reinstatement so I can bring my mortgage current. US Bank Loss Draft Insurance Department stated that my letter was approved but the Supervisor will have to contact US Bank which is my lender so that all the funds can cover my past due mortgage. I will call US Bank Loss Draft Insurance Department on XX/XX/XXXX, to see was my claims moved over because I became a homeowner on XX/XX/XXXX, and it will be 15 years on XX/XX/XXXX. I worked hard to purchase my home and I have all intentions to keep my home.
Product: Debt collection

While living in  XXXX   XXXX   XXXX ,  XXXX ,  XXXX  alarm company provided alarm service to my house in  XXXX . In  XXXX  of  XXXX  I notified them by phone that I sold my house. I asked if they provided service for  XXXX ,  XXXX  where my new house was located. They told me that they could provide this service.     I asked them to disconnect my alarm system so I could take the wall unit with me to  XXXX . A  XXXX  employee said they did n't have an employee to do this, since somebody was dismissed, or quit. Instead, someone talked me through disconnecting the wall unit for the alarm system.     After arriving in   XXXX   I called them at least three times to request that they install the alarm system in my house. They said they would, but could n't give me a date. Every time I talked to them they said they needed to recover the contact points from my old house first, before they could install in my new house. I gave them my realtor 's phone number to aid them. This went on for three months, from  XXXX   XXXX  to  XXXX   XXXX ,  XXXX . At this point I called and said that I had been without service for three months and asked " How can I trust you to provide emergency service to my house if you ca n't even install the alarm in my house? '' I notified them on  XXXX   XXXX ,  XXXX  that I was cancelling my service with them for non-performance of our contract for the previous 3 months.     I was paid up when I left  XXXX   XXXX   XXXX . They never installed a system in my house in  XXXX . They continued sending me letters asking for payment for service they were n't performing in  XXXX . They harassed me constantly with these letters. I sent some back and destroyed others. I have the most current one which is from  SKO Brenner American , Inc,  a collection agency. They 're asking for {$1300.00}. This contrasts with the first request from  XXXX  which was for {$300.00} on  XXXX / XXXX / XXXX . I also have this bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/2023 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm 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 DEPARTMENT OF INTERIOR XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

These inquiries are unauthorized and I am a victim of identity theft. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

*** XXXX XXXX account number is XXXX XXXX open XXXXXXXX XXXX XXXX  the information not correct, the name is not correct, the address not correct, I am sure account not my, please remove on my credit report, thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

The payment status is incorrect, please delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get the info corrected on my credit report since XX/XX/2022. 
I paid a judgement off in full to XXXX XXXX clerk of the court in XXXX XXXX in amount of {$10000.00} It is public record that the judgment was released. There is even a release of judgment sent to XXXX  from clerk of XXXX court releasing the judgement. There is a copy of the certified letter that XXXX XXXX at XXXX XXXX signed for the check and release and check was cashed per XXXX XXXX clerk of court. However my acct still shows as open and the balance owed has increased. 
I contacted all 3 credit bureaus as well as XXXX XXXX  and I can not get this corrected. 
XXXX deleted the XXXX acct after reviewing the documents. However the other 2 XXXX and Transunion just keep telling me they contacted XXXX and they say info is correct. It is NOT. This has affected my ability to take on any credit, car, credit cards etc For 8 months i have been trying to get this resolved. XXXX transferred my calls and then hung up on me twice!! All the info is public record on XXXX XXXX XXXX it takes XXXX seconds to look up on their website but, XXXX will not correct this issue, nor will XXXX or transunion.
Product: Debt collection

Perfection collection is fraudauntly claiming that I owe {$3700.00} to some company called XXXX. I do not know who either of these companies are and did not sign or agree to anything they are. This must be identity theft and they have illegally placed this debt on my XXXX credit report
Product: Debt collection

My Mother passed away in XXXX of 2016. She had no life insurance, nothing-they claim they want to speak to the person in charge of the estate..I am on the DO NOT Call LIST, and there is no estate, nor would the " collector '' tell me what company they are representing. She hung up on me. I called back, explained again, my Mother had no estate, all of her XXXX which was social security, went to my Fathers care, and was barely making it financially with her XXXX, Was put on hold for a manger, who never came to the phone after 7 minutes of hold time. I am in fear, and this company and recovery agents have caused me stress.
Product: Debt collection

Being harassed via email by a debt Collector agent for several months ( 4 ) from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and recently received a threatening email about a potential law suit for a debt that has been sold by the original creditor
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX the following Accounts, has violated my rights. 

DPT ED/XXXX- Account # XXXX, XXXX, XXXX XXXX- Account # XXXX XXXX- Account # XXXX XXXX- Account # XXXX, XXXX XXXX- Account # XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX- Account # XXXX XXXX XXXX- Account # XXXX**XXXX XXXX XXXX Account XXXX XXXX XXXX Account # XXXX, XXXX XXXX- Account # XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Also there are unauthorized Inquiries that are not made by me and need to be removed immediately according to FCRA Section 609 & 611. 

XXXX XXXX  XXXX Date Inquiry : XX/XX/XXXX - XXXX XXXX - Date Inquiry : XX/XX/XXXX - XXXXXXXX XXXX XXXX - Date XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX Date Inquiry : XX/XX/XXXX XXXX XXXX XXXX  - Date Inquiry : XX/XX/XXXX - XXXX XXXX  - Date Inquiry : XX/XX/XXXX XXXX TransUnion XXXX - Date Inquiry : XX/XX/XXXX XXXX XXXX  XXXX - Date Inquiry : XX/XX/XXXX - TransUnion XXXX - Date Inquiry : XX/XX/XXXX - XXXX XXXX  - XXXX Inquiry : XX/XX/XXXX - TransUnion XXXX XXXX  - Date Inquiry : XX/XX/XXXX - TransUnion XXXX XXXX - Date Inquiry : XX/XX/XXXX - TransUnion
Product: Checking or savings account

I was traveling in XXXX, XXXX and tried to withdraw XXXX pesos from a bank ATM ( XXXX ),  which was the equivalent to {$970.00} US dollars from my Capital One 360 Checking account. The ATM said transaction failed, and I didn't end up getting the money. But it still said the money was debited from my checking account. I filed a claim, but today I was emailed saying my dispute was denied.
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 168b permissible purposes of consumer reports. 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 inaccurate. 
ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

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 inaccurate.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate
Product: Debt collection

I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : 1. Validation of the alleged debt ( the actual accounting showing a loss ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties.

4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 and what actions s/he has taken in relation to this account.
Product: Credit reporting or other personal consumer reports

Early Warning XXXX XXXX XXXX XXXX XXXX, AZ XXXX Dear sir, Regarding the reviews written on XX/XX/XXXX of 2024 on CFPB complaints numbers XXXX and XXXX, I would like to request your company, Early Warning, to ask the XXXX XXXX XXXX branch XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX to send me the written format letters, which I can open the envelop and read the content. Your employee stated this branch must have sent me the information and investigation result ; however, since I could not find out this information in my online banking account. Since I have continued to have issues online and beyond, I have decided not to open any links which might be suspicious, such as irregular usage of images online sent to my email addresses with unfamiliar sender email address. Would you ask your related branch employee to send this information through official banking account? 
Even though you have mentioned three credit report companies, I have already contacted and still in disputes including with thy company, Early Warning. 
Sincerely,
Product: Bank account or service

The Bank of America has grossly mishandled the POA and POD accountssssss that were set up for my terminally ill mother and continues to operate at the height of incompetence during estate proceedings. They have issued POA checks POA checks drawn from the incorrect joint tenancy accounts, they have issued checks issued checks that could not be used by merchants, they have sent POA check to the checkbooks to the wrong address. In the interim, the POA account could not be accessed not be accessed on line, nor could an ATM card be issued for it. They advised me to try to break into my mother 's on line account by guessing the passwords which I finally was able to do. When she passed away, they denied immediate access to a POD account even though a death certificate was presented and notarized on the grounds that their " policy '' preferred that joint beneficiaries present their claims as the same time, when they are clearly entitled to half a portion each. When informed I was a long term B of A customer, they " relaxed their rules '' even suggesting that I could get some more " preferential treatment. '' They advised that they were not sure when they could send my portion and advised that I should just " look for it '' in the mail. When I finally got them to call the Estate Division, they finally understood the money was immediately payable. 
My sister, upon arriving from her home in XXXX, went through the same hoops with the XXXX branch. they got me on the phone and finally after several hours conceded she should receive the money too. 
My father went to cash out and close the Joint Tenancy account he had with my mother which is now his ( with no questions ) as she had died. 
They proceeded to draft a check from the POA account which should have been frozen, claiming now that the {$5700.00}. joint account was a POA account. They finally corrected it after I spent two hours on the phone with the Estate Division.The breach of their fiduciary duty and the standard of custom, practice and ethics in the industry calls for redress. It is abominable and warrants a class action as many others have grievances as well. 
Three branches are involved. And the problems persisted and would not go away.
Product: Debt collection

QWR and Debt Validation letters have been sent several times. They did not response according to the law and did not provide certificated and authenticated documentation. In addition foreclosure document fraud by Wells Fargo as master servicer of XXXX mortgage pass-through certificate, series XXXX. 
Assignment of Mortgage - Robosigned and robo notarized Assignment of Mortgage - void as it was assigned by XXXX to the Trust Assignment of Mortgage - Void as it was not executed until after 20 days after the filing of the foreclosure complaint. 
Assignment of Mortgage - Void as it makes reference to a mortgage recorded in XXXX XXXX, Florida at book XXXX and page XXXX. This is not my mortgage. 
Note - Void as it assigns the mortgage from the Originator directly to the Trustee. 
Note - Void - Defunct companies can not assign anything when they are defunct. XXXX Brokers Conduit filed bankruptcy in XXXX XXXX and the Assignment says the note was assigned in XXXX XXXX, XXXX. 2 years after the company went out of business. 
Assignment of Note was executed and it states that it was assigned in XXXX which is XXXX plus years after the closing date of the trust, XXXX XXXX XXXX XXXX XXXX mortgage pass-through certificate, XXXX XXXX ASSIGNMENT OF MORTGAGE AND NOTE ARE VOID - THEY ARE FRAUDULENT DOCUMENTS PREPARED BY XXXX XXXX XXXX TO FILE FORECLOSURE. 
XXXX XXXX XXXX WAS DISBARRED FOR FRABICATING FORECLOSURE DOCUMENTS WELLS FARGO HAS A MANNUAL FOR ATTORNEYS ON HOW TO FABRICATE DOCUMENTS.