23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I need to see verification this debt is mine. I have no contracts or outstanding debts with this amount or with this company, nor with the dates they are reporting.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This is a formal demand for a detailed explanation of the steps your agency has taken to ensure the accuracy of the items listed below under 15 U.S.C. 1681i ( 7 ) Method of Verification. As mandated by law, a consumer reporting agency is required to provide, within 15 days of my request, a comprehensive description of the procedure used to determine the accuracy and completeness of the information in my credit report. This includes the name, address, and telephone number of any furnisher of information contacted during the reinvestigation. Previously, I informed your company that I am a victim of a data breach and identity theft, and I filed an official report with the Federal Trade Commission ( FTC ), which I have attached for your reference. I demanded that all fraudulent information be immediately blocked and removed from my credit report, yet you have failed to comply. The following fraudulent items remain on my report, which is unacceptable : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be updated as agreed in this payment history. Else, DELETE this account immediately! 

XXXX XXXX XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be updated as agreed in this payment history. Else, DELETE this account immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint to inform you again that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
The following items listed below are unknown to me. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXXXXXX  XXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize these accounts. These accounts are damaging my good credit reputation! 

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




XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) # XXXX -- {$760.00} REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I have wrote this company MediCredit inc, & requested for them to remove This alleged bill from all 3 bureaus. I received serval letters in the mail from MediCredit, INC and I have yet to establish true accuracy and validity of debt, which I requested. My issue is the inability to provide legal proof of the ability to collect debt within the state of South Carolina. I have thoroughly reviewed this company 's unethical practice, no proof of related documents, nothing bearing my signature. This company MediCredit pulling my credit down, I want this company investigated and need this removed from my credit report.
Product: Vehicle loan or lease

My husband took out a car loan through Wells Fargo 2 years ago and has been making payments per the loan. He passed away in XX/XX/year>. I contacted Wells Fargo to negotiate the settlement of the loan after his passing, which is currently upside-down approximately XXXX XXXX. I was told they would not settle with me for less than the full loan amount and have since repossed the vehicle with intentions to send it to auction despite our regular communication with them and attempts to negotiate a fair and reasonable resolution. The vehicle is sentimental to our family, and these business practices seem cruel and predatory, adding additional stress and trauma to our grieving family. We would like to keep the car without paying more for it than it is worth. It would seem if Wells Fargo is willing to auction it, this should be an option for us.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Product: Debt collection

Portfollio recovery continues to call me after I have asked them to only contact me through mail. I do not want to be contacted by phone and they continue to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

My loans are paid docs attached. XXXX account number XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Affirm has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

This item reported on my XXXX Credit report as a Charge Off. 
CITI BANK ACCOUNT NO. XXXX IN THE AMOUNT OF {$14000.00} this account ( s ) was a Charge Off, CITI BANK Reported this as a Profit Loss, and are still reporting it on my credit report that I still owe this amount, however CITIBANK never supplied me with the 1099-A. and as of today my request to CITI BANK has not been answered. 
I am Requesting that the CFPB request a copy of the 1099-A from CITI BANK the Credit Report Reporting on : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MICHIGAN, XXXX XXXX ] XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax couple times to dispute and remove fraud inquiries from my credit report and they always tell me they can not do that i need to call the companies. i send letters out to the companies with no response there are no phone number listed on my credit report where i can call them like equifax told me too. i did not do those inquiries why do i have to call what i dont even have the numbers for because it is fraud and they refuse to remove them from my report. here is a list from the inquiries what is fraud.  XXXX ,  XXXX ,   XXXX   XXXX  ,  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX   ,    XXXX   XXXX   XXXX ,   XXXX   XXXX  ,  XXXX ,   XXXX ,   XXXX , there ar e 15 fraud inqu iries and they refuse to remove them what is a violation of the fair credit peporting act se ction 1681b ( c ) and  a serious breach of my privacy rights. I formally request that these fraudulent inquiries be immediately deleted from my credit file that they maintain under my social security number.
Product: Mortgage

I had a first time home loan thru fha and went thru XXXX XXXX XXXX XXXX XXXX on contract for 30 years and they sold my loan to chase then I got hurt XXXX XXXX XXXX got behind on payments so went thru a loan modification which chase screwed me over and got sued for not helping clients which I was supposed to get a settlement from them never received my payment.after that I put in and received a hardest hit fund from XXXX XXXX in XXXX XXXX I received XXXX XXXX which XXXX payments were supposed to go to chase to pay of my loan.chase was supposed to drop my instrest rate from 6.5 to 4.3 and forgive past penalties and restart my loan which they did neither causing me to loose XXXX XXXX XXXX XXXX XXXX XXXX .banks are criminals home wreckers
Product: Credit card or prepaid card

I have been victimized by identity theft. The fraudulent Activity happened on XX/XX/2019 with a balance of {$25000.00} which I did not make. I have this police report where I stated that I lost my phone where I stored my personal information.
Product: Credit card or prepaid card

DEAR BofA, THIS IS THE 4TH TIME I'M SENDING THIS REQUEST BEFORE I WILL REACH TO THE PAPERS AND THE PUBLIC. PLEASE RESPOND, IT'S BEEN MONTHS NOW. MY FORMER CLAIM WAS SUBMITTED ON XX/XX/XXXX AND NO RESPONSE. XXXX There were two cash advance checks that were charged on my CC ending in XXXX. The first one was for {$6000.00} on XX/XX/XXXX The Second was for {$9000.00} on XX/XX/XXXX Both checks were not written or signed by me. In fact, they were forged by my soon-to-be ex-husband XXXX  XXXX. This is not my handwriting and not my signature. XXXX XXXX fraudulently applied for this card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Duplicate paid Collection/FCRA statue of limitations over 7 years old LVNV Funding XXXX Unpaid XXXX  XXXX collection {$640.00}. Contacted collector at ( XXXX ) XXXX. 

This collection was reporting twice by two difference collection agencies. I paid one of them and settled for less last year and one of them was removed. I called them to tell the other agency ( LVNV ) that it was paid and they have not removed it nor verified it as a valid debt owed. Since Im buying a property I can not have open disputes but this is clearly something that needs to be removed immediately. They know it was a card from XX/XX/2015 and both were opened and originated the same month and year for the same credit limit with XXXX XXXX and same amount owed. Its clearly a duplicate account and they assign account numbers by their agency and not by the actual credit card numbers. They can not even validate it using the credit card numbers because they simply do not even have that information to even collect on it. Not only was this paid last year but it is also past the 7 years. Please have this removed since its not supposed to be on my credit report and was paid for. They do not have any evidence of this debt being owed.
Product: Credit reporting or other personal consumer reports

I have asked for my credit report for all XXXX credit bureaus and they can't verify my identity or can't or won't send me a copy of my credit reports for some reason. I've also asked for a credit report for my daughter and they tell me that they can't get one, and also I've tried to report my ex husband XXXX since XX/XX/2021, but they tell me that I can't report him as XXXX and I'm not sure as to why because I'm his ex wife and he has been XXXX since XX/XX/2021.
Product: Mortgage

I'm complaining against XXXX XXXX XXXX and XXXX XXXX of Carrington Mortgage Services. It started with XXXX XXXX telling me that he will get me the 3.25 % interest rate but forgetting to mention that I have to pay for it through points. When I talked to him about it, he said he will fix it. Then, when we were about to close he told me that he can't do anything about it. He said that I can deduct it in my income tax at the end of the year anyway. Then he pressured me to decide the same day or I won't be able to close the following Monday. In spite of the rush, I still was not able to close the following Monday. It was moved to Tuesday so what they told me was a lie. Then, on the signing of the documents, the notary noticed that there is no document to sign the release of my cash out. When I emailed both XXXX XXXX and XXXX XXXX, XXXX said that if I did not sign any documents about the release of funds, they can't do anything about it. Though there was nothing to sign in the first place. The notary double and triple checked the documents. I told them I'm going to file a complaint against them about this since the documents that I need to sign came from them. They were so unprofessional. I hope I still get my cash out because my next step would be to sue them for breach of contract if they don't release my funds.
Product: Checking or savings account

On XX/XX/2022, PNC Merchant Services charged my checking account {$140.00} for a lease of merchant services equipment that was returned back to PNC Merchant Services on XX/XX/2022. The lease for the equipment was expired and equipment was returned properly. The charge for the equipment lease for XX/XX/2022. When calling PNC, PNC would not allow the transaction to be disputed because it was internal PNC matter. However, PNC noted that the equipment was returned and the lease was fully terminated. PNC stated that the transaction can not be reversed due to it being an ACH transaction being paid to PNC. PNC also allowed the transaction to occur even though the amount of the transaction brought the account to a negative balance. Under agreement, PNC should have returned the transaction instead of letting it process. 

In addition to being charged the lease amount, PNC also charged {$36.00} for insufficient funds for a transaction that should have happened.
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. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted XXXX XXXX, and Equifax regarding inaccuracies in reported accounts contained on my credit files on XX/XX/2021 via certified mail. Submitted information indicating the inaccuracies, however, the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.
Product: Credit reporting or other personal consumer reports

I made Experian aware of the continued abuse of the corporations unlawful use and abuse of power and position through deprivation of rights through color of law. Attached are forms and files that exonerate my previous and current disputes with these fraudulent thieves disguised as a legitimate business, At this exact moment in time experian has been violating my federally protected rights. To further the continued insult to my financial well being experian has continued to violate my Copyright & Trademark that I, the Attorney in Fact of the XXXX XXXX person. I have legal, equitable and beneficial interests and complete control of all legal, financial and reputable interest for this " Person '' also known as XXXX XXXX legal fiction character. 
Experian has until this evening to remove 2 bankruptcies that they have listed on credit account that legally can not be tied, connected associated through either assumption or presumption. 
Experian is under Legal Notice and Demand to respond accordingly to the written and expressed instructions of I, the Attorney in Fact. Immediately. Oh, and to mention incorrect information being reported that is immediately noticed when reviewing information from all three of the reporting companies.
Product: Credit reporting or other personal consumer reports

Dear CFPB XXXX Equifax XXXX I am writing to formally process this FCRA 605B 3 DAY Deletion of fraudulent accounts with XXXX, Equifax, XXXX with the CFPB as my witness. For the past two years, I have worked tirelessly as a victim of identity theft and fraud, providing our nations main credit reporting agencieswith FTC reports, a police report, proper identification, and verified information. Despite my efforts, I continue to face challenges, and I have enclosed my FTC report, police report, identification, and letter email that was sent to me in response to filing a fraudulent victim claim. 

I wish to give the CFPB an opportunity to observe how they addresses my concerns. In XX/XX/year>, I filed a lawsuit against XXXX, Equifax, XXXX ( you think they would have noted my credit bureau about the lawsuit, BUT THEY Didnt put any notes on my credit report ( because they just intend to do it anyway that they make money even if victims suffer ) which was settled for an undisclosed amount. However, I still have three negative lines appearing on my credit report that need to be deleted immediately. The impact of XXXX 's lack of compliance has resulted in significant financial distress for my family and me. The inability to access credit or loans during critical times has created prolonged frustration and hardship. 

It is crucial for the CFPB to gather as much evidence as possible against XXXX to support the resolution of your upcoming lawsuit sincerely hope that you will take the necessary steps to ensure XXXX is held accountable and compelled to appear before a jury trial. While they may be willing to settle lawsuits, they seem less inclined to rectify the situation by deleting erroneous items from my credit report within the required timeframe. I guarantee if XXXX had to stand before the judge in trial and the question or to be asked would XXXX lose a substantial amount of money if they were in compliance with every fraudulent claim the answer would be yes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested validation of a public record on my account which XXXX XXXX and Experian all sent me a letter stating they received information from a 3rd party stating that the 3rd party verified it I contacted the 3rd party which is XXXX XXXX and they stated that under no circumstances that these credit bureau 's pulled anything from their site nor comform by an agent to verify your circumstances and it 's misleading and fraudulent to state as such! Then I requested it be removed again they sent me letter stating that the XXXX XXXX XXXX verified the same thing upon contacting the Bankruptcy court of TN to see if they had verifiy or validated any information concerning me I was told it is against the law to exposed or give any information comconcerning court documents about a person information which is illegal and unorthodox to be open for a lawsuit! So I 'm filing this complaint against the credit bureaus for misleading information that was given to me and that they removed all public records & accounts that has not been validated!
Product: Money transfer, virtual currency, or money service

After a recipient of a money transfer being my grandmother was not able to pick up an available money transfer I was forced to seek a refund for that available Moneygram instead. The matter was that teller at the location # XXXX refused to refund my transfer fees spent and only refunded me the amount of the MoneyGram transfer. Moneygram while within the location stated that the transfer fees were of XXXX XXXX XXXX and should be refunded by XXXX XXXX XXXX. 

I am not liable for XXXX XXXX XXXX teller 's refusal to release the available transfer to the recipient. There were no error codes or other valid issues explained.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX {$120.00} XXXX, Equifax, and XXXX is falsely reporting this account on my credit profile, This account does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am formally requesting this CFPPB Complaint to update the listed account in my credit profile which is appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$24000.00} - You are reporting different information from other bureaus. I do not believe I was late on the dates you are reporting. I always make my payment on time and I never missed a payment. Per FCRA, reporting must be 100 % accurate or the information must be corrected.
Product: Debt collection

Commenity Bank starts calling me promptly at XXXX most days. I block a number and they use a different one. They call me an average of 7 or more times per day.