23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX, XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, WAKEFIELD failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
WAKEFIELD Account Number XXXX As a consumer by law this account must be deleted immediately. 

Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
WAKEFIELD Account Number XXXX As a consumer by law this account must be deleted immediately. 

Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge. 
On the date XX/XX/2022 XXXX XXXX, agent, d/b/a XXXX XXXX XXXX came before me today present as flesh and blood living being ( non-entity/non debtor ) under oath to the most high of creation only and provided the facts listed herein.
Product: Credit reporting or other personal consumer reports

Remove hard inquiries from my credit report Transunion : 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 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
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Dear XXXX, I am writing to dispute inaccurate information on my credit report. The following information is incorrect : XXXX XXXXXX/XX/year>. Not Authorized XXXX XXXXXX/XX/year>. Not Authorized XXXX XXXX XXXX XXXX XXXXXX/XX/year>. Not Authorized I have carefully reviewed my credit report and have found discrepancies in the information provided. I have never applied for credit with the following companies, which are liste above. These inquiries listed above, are beaing reported are incorrect, and misleading. This misinformation is negatively impacting my credit score and financial standing. 

I am requesting that XXXX, investigate this matter and remove the inaccurate information from my credit report. I have enclosed copies of relevant documents, including proof of payment history and correspondence with the creditor, to support my dispute. 

I understand that under the Fair Credit Reporting Act, you are required to investigate any disputed information within 30 days of receiving a consumer dispute. I kindly request that you expedite this process and provide me with an update on the status of my dispute. 

Please send me written confirmation once the investigation is complete and the inaccurate information has been removed from my credit report. I appreciate your prompt attention to this matter and look forward to a resolution. 

Sincerely, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
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 Balance Owed : {$0.00} ; XXXX XXXX  Balance Owed : {$130.00} ; XXXX XXXX  Balance Owed : {$7600.00} ; XXXX XXXX  Balance Owed : {$290.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$1200.00} ; XXXX  XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX Balance Owed : {$540.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I had car insurance with this company in the past. However, after several months paying monthly bills, they decided to stop my insurance because license plate belong to other state on 1 of 3 vehicles in policy. Ive called them to make some kind of arrangements but they were not helpful and decided to cancel policy. I made a decision to insured my vehicles with another company. This is why i dont agrre with them charging this amount when it was them who canceled with no alternative given.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX continues to report inaccurate information on my credit report with XXXX, XXXX and XXXX without sending in proper documentation as proof that the account is in fact my debt. This is a direct violation of section 609 and 611 of the Fair Credit Reporting Act. The credit bureaus fail to protect me as a consumer and do not follow the proper guidelines in place to verify debts on consumers credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, MD XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX Owed : {$0.00} XXXX XXXX XXXXXXXX Balance XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$310.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$420.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$840.00} XXXX  XXXX XXXXXXXX Balance Owed : {$440.00} XXXX XXXX Balance Owed : {$810.00} XXXX XXXX XXXXXXXX Balance Owed : {$3300.00} XXXX  XXXX XXXX Balance Owed : {$710.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$420.00} XXXX  XXXX Balance Owed : {$590.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting

I have initiated XXXX separate disputes with Experian for XXXX XXXX XXXX accounts that are reporting on my credit report. The balance, date of first date of delinquency, and status are inaccurate and Experian has sent me documents claiming to have verified it. How is this possible if the creditor has n't verified with me the alleged debtor. The address for XXXX XXXX is NOT listed on my credit report so I googled XXXX XXXX 's address and sent them XXXX letters as well. No response. I feel this company has violated my rights under the FCRA and your ( FTC ) guidelines. Attached is my credit report, letters sent to XXXX XXXX, certified receipts, & letter sent to the credit bureau. I sent a new complaint letter yesterday XXXX/XXXX/2016 via certified mail pleading for the credit bureau to take this matter seriously. 

**please see back of report under creditor contacts to see where the address is not listed** Thank you for being here for consumers to have a voice!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or removed immediately.

Please remove these accounts from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXXXXXX 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
Product: Mortgage

I became deliquent with my mortgage in XXXX and was unable to qualify for a modification. In researching I discovered that XXXX XXXX had a program for a partial reinstatement payment for properties in foreclosure. I requested this program from XXXX XXXX but was told that no such program existed, although I sent them XXXX XXXX documentation for this program. I reached out to XXXX XXXX and requested that they intervene, which they did. XXXX XXXX ( Case # XXXX ) had them place the foreclosure on hold while a partial reinstatment plan was established. The plan was to include a lump sum payment, by me, to bring the past due balance down to a manageable monthly payment. During this time I received a letter from XXXX XXXX that the loan had been transferred. When I called and spoke to XXXX XXXX of XXXX XXXX I was told that it had not been transferred and I would be receiving a letter. I received correspodence from XXXX XXXX on XX/XX/XXXX stating that the partial reinstatement plan was in review. However, the loan had been transferred to Select Portfolio Servicing and took effect on XXXX. I went through another loss mitigation application process with SPS which was denied. I appealed and in my appeal I requested the partial reinstatement plan and furthermore provided them with documentation from XXXX XXXX. I also expressed that I had been working with XXXX XXXX on a partial reinstatement plan. It is my understanding that when a loan is transferred to a new servicer, the new servicer is to consider the workout plan between the borrower and the previous servicer. SPS has not given me that opportunity. At this point they are only giving me the option to fully reinstate although XXXX XXXX has a program for my situation.
Product: Credit reporting or other personal consumer reports

XXXX Account XXXX open with a past due balance. I received a copy of my credit report. To my surprice, you are reporting this account incorrectly. This account is reporting not only as OPEN, but also shows a past due balance of XXXX. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion
Product: Credit reporting, credit repair services, or other personal consumer reports

A bank made an inquiry on my credit with Transunion based on a fraudulent credit application. The bank refused to retract the inquiry from the credit reporting agency. Transunion does not allow online disputes over inquiries based in fraud. Rather, Transunion said that, to dispute the inquiry, I must send, IN HARDCOPY POST, ( 1 ) a letter from the bank ( which, again, the bank refused to provide ), ( 2 ) a copy of my complaint to the FTC ( which I did file ) or police, ( 3 ) a copy of my driver 's license, and ( 4 ) a letter from me disputing the inquiry and asking for removal of the item from my credit history. This is an outrageously excessive expectation to place on a consumer upon reporting a fraud, and I can not anyway compel the bank to produce the requisite letter. Transunion has online dispute resolution to correct a wide range of other errors on the credit report, so the company has no excuse to make the process for review of inquiries so burdensome.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Bureau Dispute Department Subject : Formal Dispute of Inaccurate Credit Reporting under FCRA Dear Credit Bureau Representative, I am formally disputing the inaccurate reporting of the account " XXXX XXXX XXXX '' ( Account No. XXXX  ) on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq., I demand an immediate investigation and removal of this erroneous account within five ( 5 ) days, or I will pursue legal damages under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance. 
Inaccuracies and Violations : Charge-Off and Balance Discrepancy The account is reported as " charged off '' with a balance of {$XXXX} while also showing a " {$XXXX} written off. '' This discrepancy violates 15 U.S.C. 1681e ( b ), which mandates maximum possible accuracy in reporting. 
Incorrect Payment History The payment history inaccurately reflects multiple charge-offs and repossessions for XXXX and XXXX, despite the account already being closed. This misrepresentation negatively impacts my creditworthiness and violates FCRA guidelines. 
Unverified Debt and Reporting Beyond Closure No evidence has been provided to confirm XXXX XXXX XXXX 's right to continue reporting this account in its current inaccurate state. The status update in XX/XX/XXXX should mean no further derogatory reporting is necessary. 
Hindrance to My Financial Opportunities Due to these inaccuracies, I have been denied multiple credit opportunities, employment, and financial products. Under 15 U.S.C. 1681i ( a ), I demand the immediate deletion of this erroneous account. 
Resolution Demanded : Permanently remove this account from my credit report. 
Provide written confirmation of removal within five ( 5 ) days. 
Cease further reporting of this inaccurate information to avoid further legal liability. 
Failure to comply will result in legal action for damages under the FCRA, including statutory damages, attorney fees, and court costs. I expect a response within five ( 5 ) days from the receipt of this letter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please delete these inquiries. I am not aware of this matter, and the company acted without my approval.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX  XXXX XXXX  XXXX and XXXX XXXX XXXX  XXXX
Product: Mortgage

Hello I was trying to solve my problem with my late payments. And I received a phone call stating that they were able to take a payment on my home. Come to to find out the gentleman I spoke with was a scammer
Product: Mortgage

Just need a 1098 in order to file my income tax return. 

Caliber does NOT provide the doc through their online access. 

Despite the phone service rep ( XXXX ) offering to email me the firm, I could not access the document that required a separate sign in. Instead of being patient, XXXX attempted to rush me off the phone at least 4-5 times by saying " I'm going to leave you to it ; '' in spite of my insistence that the sign-in was not working. After at least 3 repeated attempts to reset a password that I was able to sign into my account for, the password reset for the secure message still would not work. 

XXXX offered to mail me the form ; despite not having the correct address. After providing her an updated address, I asked to speak to a supervisor. XXXX stated that a supervisor was not available. 

I had to hang up with her. Call back to get a new rep ( XXXX ) ; and request an " escalation. '' This is my 2nd CFPB complaint against this company. They should be put out of business. They exist to foreclose on customers, not to properly and professionally service loans.
Product: Vehicle loan or lease

I financed a vehicle from Regional Acceptance through the car dealer XXXX XXXX XXXX in XXXX, Illinois on XX/XX/2020. I paid a down payment and was told that it would be applied to the total amount of the auto loan. However, Ive recently went over my contract and discovered that was a lie. This contract is now considered null and void.
Product: Credit card or prepaid card

I used the Wells Fargo go for rewards program for the first time in the middle of XX/XX/2018. After arriving at the website on my mobile device I found charities that I wanted to contribute too. By mistake I clicked on continuously new order. I began getting more cards than what I thought I should get. I called Wells Fargo and they looked into my account and saw that I clicked on continuously new order. After hearing this I told the Wells Fargo representative I wanted that changed and a stop to the cards. That has not happened and I have since then called Wells Fargo again voicing my complaint and the cards kept coming as soon as todays date.I want the cards stopped and points used as of XX/XX/2018 returned to my rewards program account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous information reporting on my Credit Report : XXXX XXXX XXXX  XXXX
Product: Vehicle loan or lease

Purchased XXXX XXXX XXXX XX/XX/XXXX I totaled the vehicle the insurance company paid the amount it was worth. I forget what its call when you pay extra money in case the insurance doesnt cover how much you owe. I was very aware that all payments was taking care of until TD Finance added me to my credit report. TD Finance informed me the company that takes care of that after the insurance pay what its worth deduct wear and tear and there were no marks, dirt or tears. So in order to get it off my credit I paid for it to have a XXXX balance and they still out it on my credit I have been calling but know respond
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I submitted an affidavit of truth regarding TD Auto Finance furnishing inaccurate and incorrect information to the consumer reporting agencies. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 
I have disputed the incorrect information that they are reporting to the Credit Reporting Agencies they refuse to acknowledge reporting inaccurate information regarding a charge off according to the internal revenue service a charge off as defined by the internal revenue service must be reported as cancelled debt as gross income. The IRS clearly defines a charge off as Gross of Ordinary income, INCOME DOES NOT GET REPORTED THE CONSUMER REPORT. Please see the attached Affidavit of Truth and a correspondence from TD Auto stating that the credit reporting is accurate.

I am requesting assistance to hold them accountable for violation of 15 USC 1681 S-2b the responsibilities of furnishers of Information to consumer reporting agencies. Also on XX/XX/2022 I filed a notice of dispute that will be attached acct # XXXX.
Product: Debt collection

I am a victim of Identity Theft I sent XXXX an I D Theft report and they have not responded to me in in over 60 days this is beyond the FCRA allotted time frame. XXXX is also reporting the same account ( AD ASTRA RECOVERY ) twice under XXXX different account numbers