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

This is my second attempt to rectify this matter. Porche Financial is in violation of my rights as a consumer. I am invoking my specified remedy as a consumer. I am demanding that they remove this 30 day late on my consumer reports for XX/XX/2020. This had caused me great hardship and financial injury. Please review my attached affidavit of truth.
Product: Mortgage

Mr cooper my loan servicer stated I can only utilize 17 months of forbearance According to the CARES ACT I'm suppose to have 18 months.
Product: Debt collection

I have submitted multiple requests to have this item removed as I did not authorize the original creditor to share my personal information with this company. Per XXXX law it is a violation.
Product: Debt collection

I was XXXX due to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I XXXX to XXXX I was under XXXX XXXX XXXX XXXX XXXX and I am still under great XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.Doing this time period, I got XXXX XXXX XXXX XXXX XXXX XXXX from XXXX to XX/XX/XXXX. I was not interest in any credit card or credit, I kept gett attached for my bank account at XXXXXXXX XXXX, The identity theft stole money from my bank account, andput on my computer a fake XXXX in which I made error going on it to buy they, I need to support my health and food. In XXXX of XXXX the Hospital platform for XXXX XXXX XXXX using XXXX in XXXX, Pa software operates a contact plateform for XXXX XXXX XXXX and received my infomation in connection to the Identity Theft and fraud upon me XXXX XXXX on or around XXXX XXXX. I didn't get this letter from XXXX untill XXXX. and the XXXX XXXX the maker of MOVEit transfer Tool found that, In which they disregarded, LaterThey stated in the letter upon an addition investigation with the assistance of a third party found out cyber security specialist determined on or around XX/XX/XXXX taht an unknown actor had exploited this hospital weakness. That on at or around XX/XX/XXXX they exfiltrated my id and other data form their computer server. That the inforamtion related to me was present on the impacted serverat the time of the event. That that Perso too money out of my XXXX acct, and had applied for XXXXXXXX XXXX credit card in my name and had been using it, until the bank sold that XXXX XXXXXXXX bank to RESURGENT RECEIVABLE, they contacted me by email to pay them {$650.00}. I told them to stop calling me My Identity was stolen from hospital Computer Server a. I had no knowledge of this card. They put it on my credit and as a charge off and that I owed them this money. I credit score it XXXX when it was around XXXX before this incident. And some one apply for credit card from my one of my creditor XXXX XXXX XXXX and I already have a credit card with them.. Please get them to remove that off my credit. I need to move I am unable due to all this trouble in my credit report, and get my scrore back to where it was im in all the agency in XXXX to XXXX score. I have never been late.
Product: Credit reporting or other personal consumer reports

Please investigate my disputes mailed out to the credit bureaus several months ago and still as of today, I have not received any correspondence from them or anyone else with regards to my dispute requests. I am not understanding why they never ever respond. All they send is that one " stall letter '' every single time. Your repeated stall tactics and failure to conduct a thorough and reasonable investigation into these disputes demonstrate willful non-compliance with federal law. This lack of action is unacceptable and has caused me substantial financial and emotional harm.

The accounts that I want disputed are attached and I will wait for my results.
Product: Debt collection

XX/XX/22 a most recent credit report revealed an account in collections. A letter was sent to XXXX XXXX asking yo verify debt on XX/XX/22 certified mail ; no response was received providing any of the information requested. Pursuant to 15 USC 1692 ( d ) .1, Cornerstone Credit Services, a collections company, has violated the FDCPA by damaging my reputation which is my credit history and score as their alleged debt has now been reported. I have never been contacted about this debt nor spoken to anyone and was unaware of the existence of said alleged debt. The reporting of fraudulent information by Cornerstone Credit, whom I have no contract or agreement with regarding any alleged debts or services, is defamation and stands as damages to my personal reputation. If Cornerstone Credit can produce a contract I have with them, I will gladly review and respond and I will be sending communication to them as well.
Product: Debt collection

LVNV Funding violated USC 1666B ( A ) B I never received 1099-c for charge off and sure Company collected on Violated section 605 ( c )
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the bankruptcy information that you have reported regarding my credit file. Additionally, I would like to assert my rights under the Fair Credit Reporting Act ( FCRA ) and highlight serious concerns regarding violations of my consumer rights. Firstly, I wish to invoke my rights under 15 U.S.C. 1681 ( a ), which emphasizes the consumer 's right to privacy. The bankruptcy information you have on file has been reported without my consent, which constitutes a clear violation of my privacy rights. It is imperative that my personal information is handled with the utmost care and in accordance with consumer protection Secondly, as outlined in 15 U.S.C. 1681 ( b ), information can only be provided for permissible purposes and with written instruction from the consumer. I have not provided any consent for the release or use of my personal information related to any bankruptcy filings. Without a valid permissible purpose and my explicit written consent, the dissemination of this information is unlawful. Furthermore, according to 15 U.S.C. 1681 ( e ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they report. I have reason to believe that the bankruptcy information in my report is inaccurate or outdated. I request an immediate investigation into this matter to validate the accuracy of the information reported and to ensure compliance with legal standards. As a consequence of these violations, I have filed a complaint with the Attorney General 's office regarding the unauthorized use of my personal information and the failure to uphold consumer rights in this matter. I expect a thorough review of my dispute and a prompt response detailing the results of your investigation. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

I went to my local bank, wells fargo to make a deposit of {$1900.00} to pay my rent, low and behold they tell me business and personal accounts were just closed on XXXX XXXX 2017, i would have to pay any fees to fix the situation, it cost me around {$500.00} and the accounts would be reopened in a mater of mins, well i gave the teller the {$1900.00} and she began to make the deosit on her computor, then she called the back manager to ok everything, well turns out the accounts were never opened and i lost all that money, i waited a day rechecked my account and nothing, i walked into the bank that next morning and they told me they ca n't help me! still 5 days later, nothing, i spent the entire weekend trying to resolve this by phone and internet.i got nowhere. this all happened at the XXXX Branch on XXXX XXXX in Ct .The only thing i walked out of was the reciept for this entire transaction.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, we conducted a real estate closing and wired a payoff to Freedom Mortgage Corporation in the amount of {$460000.00} to payoff loan number XXXX. A duplicate check was erroneously sent to Freedom Mortgage. Freedom Mortgage on XX/XX/2020 and was tendered for payment on XX/XX/2020 in the amount of {$460000.00}. We notified the escalation team of Freedom Mortgage on XX/XX/2020 of the issue and were assured the check would be returned to our firm. 

Upon being notified of the tendered check we have been in constant communication with representatives of Freedom Mortgage to no avail. Instead, they applied the funds to a different account known as Loan # XXXX On XX/XX/2020 we were transferred to XXXX XXXX at extension XXXX and we were informed that the error of the duplicate payment was resolved and we would receive a wire within 24 hours ( XX/XX/2020 ). The funds were not received and we were unsuccesful in attempting to communicate with Ms. XXXX. 

On XX/XX/2020, I spoke to XXXX ( ID XXXX ), and he was receptive to my explanation and we were assigned a new escalation member to assist us. The escalation team member that we are currently working with is XXXX ( ID XXXX ) at extension XXXX. She informed me that she reviewed the file and asked for 48 hours to review the matter. 

On XX/XX/2020, after not receiving any communication from XXXX, I called Freedom Mortgage and spoke with XXXX ( no ID given ) and she was able to connect me with XXXX. XXXX stated that we should be receiving a wire transfer containing our funds for the full amount of {$460000.00} by the end of the business day. Once again, we did not receive a follow up call from XXXX nor did we receive the wire transfer. 

Today, XX/XX/2020, I contacted Freedom Mortgage again to receive some sort of explanation. I explained the situation to XXXX ( No ID no given ) and she transferred me directly to escalation team member XXXX ( IDXXXX ) who stated she would contact XXXX and have her call us. 

Please note that these funds belong to our firm and are necessary for the operation of our firm. To date, Freedom Mortgage has acknowledged receipt of the funds but has failed to release the funds or provide any explanation as to why the funds have not been returned to us. The monies belong to our firm and are essential to the operation of our Firm 's service to the public. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( O ) XXXX XXXX XXXX ( C ) Attachments contain proof of outgoing wire transfer and tendered check
Product: Money transfer, virtual currency, or money service

I believe that it was a mistake to close my PayPal account. I am using my Paypal account for my online business XXXX XXXX  that sells XXXX since XX/XX/2021. My paypal account : XXXX has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and Godbless.
Product: Checking or savings account

XXXX XXXX XXXX, XXXX XX/XX/year> This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) My XXXX report consist of a fraudulent account with Ally Bank under account ending in XXXX. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. This accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX report. I do not recognize the aforementioned account all of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have contacted this company more than 20 times to not get any assistance with this matter. I have proof of all my attempts that I sent by certified mail. I finally spoke with someone a couple weeks ago and was told I would be getting information to get this account investigated and removed to only get a blank if theft affidavit. Not to mention that I have already sent to them several times. This company has really just been running me around with no intention to help me get this resolved.
Product: Credit reporting or other personal consumer reports

Approximately 2 weeks ago I contacted XXXX XXXX to notify them that I am opting out of sharing my consumer nonpublic information, pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) and 15 USC 6801 thru 6809 and16 CFR 313.7 ( f ), with XXXX, TransUnion, and XXXX. I have yet to receive any response from XXXX XXXX . XXXX XXXX ( formerly XXXX XXXX XXXX ) did violate Family Educational Rights and Privacy Act ( FERPA ) and Privacy Act of 1974 and 5 U.S. Code 552a for the school was never authorized to share my consumer nonpublic personal information with anyone, however, did share my consumer nonpublic personal information with a student loan company.
Product: Vehicle loan or lease

I had a loan from Bank of America on XX/XX/2022 for a XXXX XXXX XXXX with XXXX XXXX. I paid off the loan within a few weeks by XX/XX/2022 but they sent me a title with a XXXX  still on it and never took their XXXX  off my title. Because I paid off my loan, I no longer have an account number nor any records of an account on their site. I have gone to a branch and been told I must call ( XXXX ) XXXX - XXXX to do anything with XXXX releases. My XXXX XXXX told me the same. I called the number and they would not even connect me to a representative without a valid account number. I tried entering my social security which is linked to my account and the automated service says no records found. I have been unable to sell my RV or move to a different state because of this XXXX and have been suffering financially even though I paid off my obligation to the bank over XXXX months ago.
Product: Debt collection

On XXXX/XXXX/15, I contacted ARS ( Ability Recovery Services ) and spoke with a XXXX XXXX to discuss a settlement request for less than the balance owed. At that time I was informed that my balance could be reduced by {$340.00} and I declined and informed her that I could not pay that amount but could pay {$1000.00} as my offer was also declined. I further informed her that I would be making several payments towards the {$1000.00} and we discontinued the call. XXXX XXXX, 2015, I received a voice mail message from XXXX XXXX asking for a return call. I called and spoke with another representative explaining my situation and he asked me did XXXX ask me/offer monthly payment arrangements and I told him no and he then transferred me to her. I asked the reason for her call BECAUSE I NEVER GAVE HER PERMISSION TO CALL ME and she stated that she wanted to verify if I was still going to make a payment. I informed her that I did not give her permission to call me and reiterated our last conversation and she then began to display her ignorance by raising her voice and being sarcastic, accusing me of not wanting to make a payment, and I became upset and also displayed my ignorance. She hung up the phone and I called back to speak with a supervisor and they transferred me back to her and the argument started again. 

If I never had any intentions on paying my debt ; why would I contact them? I refuse to be bullied by a debt collector or anyone else for that matter and the lack of respect, professionalism, and harassment is unacceptable. I never made an agreement to pay a certain amount or within a certain timeframe and I specifically informed them not to contact me by phone.
Product: Debt collection

I am writing to dispute and request the immediate removal of fraudulent accounts from my credit report, as required by the Fair Credit Reporting Act. Upon contacting the bank, I talked to someone within the company to confirm the documents had been received and they informed me that they never receive documents from the CFPB. 
The unauthorized account details are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

30 days ago I sent a dispute to Lexis Nexis about some information I did not recognize. I was told by XXXX that LexisNexis verified some Bankruptcy information. I do not agree with this information and since it has been over 30 days according to the FCRA - LexisNexis has to delete this information. I am not sure why I did not receive a response from this company.
Product: Credit card or prepaid card

XX/XX/XXXX I made a purchase on XXXX buying a laptop unfortunately upon purchasing and activating no less than 2 hours the laptop started to smoke and start a fire due to hazardous concerns and the lithium battery that was installed that can not be taken out I was unable to send back to the mail due to certain restrictions that applied. had to dispose of it in a proper manner I alerted my credit card company of the situation because I wasn't able to rectify on my end, they did a chargeback and eventually took it back now it's supposed to be under review along with some other cases that I have and I'm being treated unfairly I am afraid that the team that they have working in the investigation team are not actually investigating due to one of my other cases that I have open I would like you guys to assist with this one also because my evidence didn't matter the last time I presented I wasn't treated with respect on till I contacted MasterCard directly after countless hours on the phone with Capital One I keep getting this information and bounced around from it's almost like they're treating these Merchants like if they are a MasterCard hold on I am the actual card holder with the Privileges and the protection that they provide the buyer protection and with the consumer Fair Act I expected more I expected so much more from capitalone they treated me like a liar the last time I asked them to step in and they're taking so long to wrap this up it's already four months, I think I got rubber-stamped no one seemed to really look at the evidence and really really help me and now I think if they're being funny because they're supposed to be working on another case for {$180.00} and another one for {$120.00} for a fake bracelets and I was in communication with a third-party call with MasterCard and lo and behold they were willing to help me after countless hours that they on the phone with them they were very nasty they didn't even want to help me at all but as soon as MasterCard patched me in they were so willing but I'm still waiting absolutely nothing is being done I was supposed to be sent paperwork for one of the decisions that they had made that's why I'm contesting it and I still haven't received that because I told them I think that's a lot presented fraudulent evidence only because I am the one with the fake bracelets Still but that has nothing to do with this case I'm just mentioning it because I'm noticing a problem with 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. 

Account Name : XXXXXXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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: Checking or savings account

Conspiracy to commit fraud. XXXX XXXX XXXX and her elder sister XXXX XXXX. XXXX took XXXX into XXXX XXXX XXXX on XXXX XXXX, in XXXX TN. on or around XXXX-XX/XX/2014. Where XXXX XXXX XXXX pretended that her elder sister XXXX XXXX was me XXXX XXXX. Where XXXX and her sister XXXX and XXXX XXXX XXXX family which are XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX where they fraudulently open online banking, bank cards and other bank XXXX ... And fraudulently continue controlling accounts in my name using my # SS. With out permission or authorization from me XXXX XXXX Where the XXXX family continue to control and spend larger amounts of my money up to {>= $1,000,000} XXXX Dollars. Allowing them to open other bank accounts at other Banks. XXXX XXXX XXXX her family lives at XXXX XXXX XXXX, TN XXXX. XXXX XXXX XXXX elder sister XXXX XXXX lives at XXXX XXXX XXXX XXXX, IN XXXX. The XXXX family and XXXX XXXX have all conspired against me to commit fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

My car stolen and I informed Santander police and Santander would not retrieve auto the Lawyer Stated insurance refund was lower than XXXX and didnt contact tow yard or me the XXXX lost keys and I paid only XXXX XXXX Santander refuses insurance and my offer of payments. Would not negotiate or communicate with me. This credit reporting leaves these facts and tells me that there is No police report for theft or that the XXXX XXXX stopped in Ca and drove thief back to Nevada border Thief reckless driving,
Product: Credit reporting or other personal consumer reports

Could you please erase these inquiries? I lack any insight into them, and the company proceeded without consulting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act convergent accounts # XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX OF THE XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXANK XXXX XX/XX/XXXX XXXX XXXX BANK XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I XX/XX/XXXX has violated my rights 15 u.s.c 1681 section 602A states I have the right to privacy. 15 u.s.c 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I have sent certified letters with tracking information to XXXX XXXX  on XX/XX/XXXX and XX/XX/XXXX requesting validation of the 'charge off ' that is listed on my credit reports for {$1900.00} regarding account # XXXX. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay XXXX XXXX. XXXX XXXX has failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 


Additionally, XXXXXXXX XXXX has also not provided a sentence on my credit report WITHIN XXXX CALENDAR DAYS from my first certified letter dated XX/XX/XXXX requesting that I am disputing the negative item in question
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

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