23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX, I am writing to formally demand that you immediately cease and desist all unauthorized activity related to my personal and financial information. This letter serves as a formal notice that your actions constitute identity theft, securities fraud, and fraudulent conveyance, and have resulted in the unconstitutional taking of my private property without just compensation. 
Account Extinguishment and Restitution I demand the immediate and complete extinguishment of all accounts, both public and private, that have been fraudulently created or accessed using my personal information. All proceeds derived from these accounts must be returned to me, the rightful owner and taxpayer. 
Accounting Standards and Legal Violations The fraudulent creation and use of these accounts violate multiple accounting standards, including those outlined by the XXXX XXXX XXXX XXXX ( XXXX ). Specifically, the unauthorized use of my identity to create and access these accounts constitutes identity theft, a federal crime punishable under 18 U.S.C. 1028. Furthermore, the use of these accounts to engage in securities transactions without my consent constitutes securities fraud, which is a violation of federal securities laws.

The fraudulent creation and use of these accounts also constitute a fraudulent conveyance, as they were created to defraud creditors and other parties. This is a violation of state laws governing fraudulent transfers.

Unconstitutional Taking and Involuntary Servitude The unauthorized use of my personal information to create and access these accounts has resulted in the unconstitutional taking of my private property without just compensation. This violates the Fifth Amendment to the United States Constitution. Additionally, the forced labor and financial burdens imposed on me as a result of these fraudulent accounts constitute involuntary servitude, a violation of the Thirteenth Amendment to the United States Constitution. 
XXXX of XXXX and Deprivation of Rights The actions of your organization and its agents have been carried out under the XXXX of law, which is the appearance or use of lawful power to mask an illegal act. By using government authority to access and control my financial information without my consent, your organization has deprived me of my inalienable rights, in violation of 18 U.S.C. 242.
Product: Mortgage

on XX/XX/XXXX I brought a home ( thru XXXX XXXX  ) and from the beginning until now numbers have been manipulated and altered to the point that in in jeopardy of losing my home and the new mortgage company has got me locked into a rate almost 2 % higher then my original rate. This loan has been a disaster from the beginning and I need some help going thru and finding the rest of the discrepancies. So far I was overcharged almost {$3000.00} in origination fees ( had to file a complaint with XXXX  to recover that money received onXXXX ). Somehow I was paying homeowner insurance but my insurance company never received it so I wasn't cover for the first year. ( still have not tracked down them funds just paid out of pocket ) some how my loan was processed as a arm instead of a fixed so I had to refinance because. my taxes wasn't calculated right so my mortgage went up. So I called and ask for some help but I was told I wasn't behind so they cant help me .Finally I fell behind and in XX/XX/XXXX I asked for mortgage assistance from my now mortgage company ( Carrington mortgage ) and instead of helping me cuz I was a few months behind they made me payback some the back payments then raised my interest rate almost 2 points. And threated to demand all the back payment by certain time or file for foreclose if I didn't take the increased rate. That increase raised my note 300 monthly and my XXXX vet wife lost he job due to government budget cuts. Since then i was forced to file bankrupt just to keep them from filing for foreclose. Finally to top things off now we in a pandemic they want to get my bankruptcy lifted so they can file. 
WOW.. Help please
Product: Credit reporting or other personal consumer reports

I discovered in XX/XX/2023 that inaccurate transactions between a financial institution and consumer which is nonpublic personal information was furnished on my consumer credit report and without my written consent. I have filed an FTC report.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach and request that all accounts listed below be blocked and deleted from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts were opened fraudulently without my consent, and I request their immediate removal. 
The accounts in question are : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

Best Buy/CBNA account number XXXX, report the account to my credit report as charge of the debt and report it as charge every month but fail to send me a 1099C even when I request one. This is legal as they have reported the debt on their tax and still porting my credit tell as charge off and fail to send me the 1099C
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX  XXXX Balance : {$12000.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX.
Product: Mortgage

I have had several offiers for the home and Midfirst/Midland Mortgage has denied all of them. The offers are for more than what is owed on the home.

I recently found out that Midfirst bank has went to court on this house and I was NEVER informed. I have never been served and Midfirst Bank/Midland Mortgage knows my address they send me mail all the time..They knew the home was vacant. 
This is just XXXX discrimination. I am a single XXXX female that has been trying to sell this house for over a year and I have been denied each offer for XXXX reason or another. Midland Mortgage has went to court behind this house and I was NEVER aware of it. And I have been in constant contact with this bank.

Midfirst Bank/ Midland Mortgage think I am a XXXX XXXX person. This XXXX person is going to see about getting a nice civil attorney and also see about making this a news worthy and social media vival and see of other XXXX people are experiencing the same issue I am having with Midland/MidFirst. Let 's see about a class action lawsuit..

I have filed many complaints against this bank. I have it in writing. And I also have the fact they midfirst bank knew my address at the time you filed a case in court and never notified me of the case.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I disputed XXXX XXXX XXXX XXXX and they're multiple items double billed and same with XXXX 16 on XXXX and nothing has been removed also the these creditors were as sent requests asking to verify items with no response XXXX finialy removed 3 today after the disputes were closed and me calling them a stating they broke federal guidelines for fair reporting but several things weren't settled with all three major credit reporting agencies
Product: Credit reporting or other personal consumer reports

This marks my fourth submission regarding the persistent reporting of fraudulent items that continue to impact my credit standing adversely. I am following up to inform you of my intention to update my credit reports within the next 15 days. Attached herewith is my FTC Fraud Report, referencing # XXXX. The following items are the remaining fraudulent entries that require removal by the Experian Credit Bureau : EXPERIAN : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Pro collect is attempting to collect a debt that I do not owe. I have made several attempts to receive any information on the debt and I have received none. Also the debt is supposedly fees from a broken lease. However I had received orders from my commander ( was XXXX  XXXX XXXX to move back to the XXXX  immediately because of serious health issues I had going on. My commander gave me written orders/letters that I provided to the leasing company but they would not let me out of my lease. Even if they felt I owed them money for repairs or cleaning I was never given any type of letter about that or break down. I paid XXXX dollars in a security deposit upon moving in. I moved out and paid rent for 8 months of my 12 months term. My rent was XXXX a month and the apartment was filled very shortly after I left per a neighbor informing me of that. So if they had successfully mitigated damages per Tennessee law they arent able to demand the money for longer than that period of time. I have not ever received a break down of this debt or how it is so high after they were able to fill the apartment and kept my entire security deposit. This collection agency has not responded to any attempt I have made to send me any documentation about this debt. Given all of these circumstances I do not believe this is my debt or I owe this debt to them. Not only did my leasing company disregard my commanders letter for that I relocate back to the barracks but now this debt is severely impacting my ability to move forward in my life and I cant get any information about it.
Product: Credit reporting or other personal consumer reports

I got an email on XX/XX/year> from XXXX with whom I have a credit card, stating that there was a new credit inquiry on my credit report. I know I haven't applied for anything so I called XXXX and they are helping me through the fraud process. I looked up my credit report and it says there were two inquiries today XX/XX/year> from XXXXXXXX XXXX XXXXXXXX and TD Bank N.A. I've never even heard of them. Someone else is using my SSN.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies are NOT licensed in the state of Tennessee to collect debts of any kind nor report them on credit reports. I have proof listed below to confirm this information. Per the XXXX XXXX XXXX website these companies DO NOT hold a valid license in the State of TENNESSEE. 
They are violating my rights as a consumer by reporting inaccurate information on my credit report. I did not furnish written consent of any kind to these agencies to report any debts. I have no knowledge of these accounts, any of the debt. 

The accounts and their account numbers are listed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I have continuously submitted to my mortgage lender, Americas Servicing Company ( ASC ), documents to modify my home loan. They have continuously been asking for the same documents over and over and over again for over a year now. 
I have been through XXXX Home Preservation Specialists. 
The current XXXX is XXXX XXXX. He has not been of any help just as the XXXX prior to him. 
They have sent requests ( form XXXX ) to order my tax returns from XXXX numerous times. I have provided the information and they have still been requesting these same documents. I have even sent them copies of my tax returns. In addition, they continue to ask for my business tax returns. They have been sent copies numerous times as well. They continue to claim signatures are missing and pages of my tax returns are missing. I continue to tell them there are no pages missing and returning signed tax returns. Again, this is a repeated process that has been going on for over a YEAR! All documents are sent to them by their requested deadline and uploaded on their site. 
Everything they request has been returned timely and sent to them numerous times. I 've even had to submit the original application twice so they can by time and not service my request. 
When is it time they process my application? 
I am trying to get approved for a HAMP loan and this mortgage servicer, Americas Servicing Company, and Wells Fargo need to work with their consumers when they are in need and quit playing games. I attached only a partial paperwork I have been receiving from them for well over a year as it is so many documents they send to make it appear they are helping their customers, when in fact they are only repeatedly finding reasons to request the same documents over and over again.
Product: Credit card or prepaid card

i provided all the proper documents and proof of my statements from XXXX, XXXX, and XX/XX/2023 - from XXXX XXXX to Discover card by fax, including the latest on XX/XX/2023. Please review the fax from XX/XX/2023. The numbers are there, and they are correct. I just need someone to actually look at the documents, as {$100.00} was the initial deposit on XX/XX/2023 and then {$1.00} added on XX/XX/2023. Please see attached. Please allow me to use my account.
Product: Debt collection

I dont believe the information on my credit report is valid and they should not be on their they can not send me written verification of me opening the accounts
Product: Student loan

I have had perfect payment history with Sallie Mae since 2017 up until recently. I have been in communication with them in regards to in school deferment and payment issues when necessary. Numerous times I have been reported as an incorrect late payment. XXXX of which was formally reported onto my credit report. Most recently during my conversation with them, I was told not all of my loans are in deferment, a mistake on their part. My school and I supplied all necessary documentation. I was told it would take XXXX business days. My case once again says " closed '' when no actions have been done, I am still reflected as a late payment, and I have not received follow up of the outcome. Prior times, amounts due would appear, disappear, then reappear with completely different amounts. The only common factor is they are always shown as " late payments ''.
Product: Credit reporting or other personal consumer reports

This is NOT a fraud complaint. Do NOT place a fraud alert in my credit file. 

I have challenged the reporting of accounts on my credit report XXXX separate times on XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>. 

I demanded every document that they have in their physical possession on each of those dates. This demand was made pursuant to the FCRA 15 UCS Section 1681g. They were specifically asked not to merely state that it has been verified as this is not in compliance with the law. This must be done in Metro 2 Format reporting. 

If they did not have any documentation in their physical possession as of the date of these demands, under the Fair Credit Reporting Act Section 1681 ( i ), ALL unveried accounts must be promptly deleted. Moreover, I disputed the validity of each of the accounts under Section 611 ( a ) ( 5 ) ( A ) ( i ) of the Fair Credit Reporting Act. 

I demand the accounts be properly verified with physical documentation and in Metro 2 Format reporting ( and not just verified through a 3rd party ), or it MUST be removed immediately.
Product: Debt collection

NOTICE OF DEFAULT AND OPPORTUNITY TO CURE XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear Transworld Systems Inc., On XX/XX/XXXX I filed a CFPB Complaint 'demanding the agreement between myself and Transworld Systems Inc that created the alleged debt. On XX/XX/XXXX Transworld Systems Inc. replied to the CFPB complaint stating the account was closed, and TSI intends to have no further communication with me. I CLEARLY STATED in my initial complaint that a FAILURE TO PROVIDE ANY INFORMATION IS A VIOLATION OF THE FDCPA 15 USC 1692 ( Fair Debt Collection Practices Act ). This has caused me the natural person/consumer damages by finding out that Transworld Systems IncXXXX XXXX XXXX ATTEMPTING TO COLLECT AN ALLEGED DEBT. 

Pursuant to 15 USC 1692f ( 1 ) Unfair Practices : states that that a debt collector may not use unfair means to attempt to collect any debt ; unless such amount is expressly authorized by the agreement creating the alleged debt or permitted by law. 

Transworld Systems Inc. BECASUSE FAILURE TO PROVIDE THE AGREEMENT CREATING THE ALLEGED DEBT, YOU ARE IN CLEAR VIOLATION OF THE FDCPA AND I WILL NOT STAND FOR YOUR ILLEGAL ATTEMPT TO COLLECT. YOU ARE CIVILY LIABLE FOR ANY AND ALL DAMAGES TO THE CONSUMER/NATURAL PERSON AND ORDERED TO PAY {$1000.00} PER VIOLATION PURSUANT TO 15 USC 1692k ( a ) ( 1 ) ( 2 ) ( A ). 

THIS IS YOUR LAST OPPORTUNITY TO CURE AND SETTLE THIS MATTER! 
Attached is an Invoice in the amount of {$3000.00} for violating 15 USC 1692f ( 1 ) Unfair Practices and damaging the consumer/natural person. Send check by certified mail to mailing locating listed above. Transworld Systems Inc. HAS UNTIL XX/XX/XXXX BY XXXX EST TO SETTLE THIS MATTER! THIS IS YOUR LAST OPPORTUNITY TO CURE AND SETTLE THIS MATTER! 

XXXX XXXX XXXX  Coming in Good Faith
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding inaccurate information on my credit report that has not been addressed despite my prior attempts to correct these errors directly with the credit bureaus. My credit report currently lists several inquiries, addresses, employment history, and name variations that are incorrect and were not authorized or associated with me. Specifically, I am seeing addresses where I have never resided, outdated employment details that do not reflect my current or recent work history, and name misspellings that create confusion and suggest identity inaccuracies. Additionally, there are unauthorized inquiries that I did not initiate, which may have been added without proper verification. I believe this incorrect reporting is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to maintain accurate and fair reporting. 
Please help me get these unauthorized inquiries off my credit reports. 
Equifax is reporting unauthorized and inaccurate inquires and information on me : INQUIRY - XXXX - XXXX INQUIRY XXXX XXXX XXXX XXXX XXXX INQUIRY - XXXX XXXX - XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employer - XXXX XXXX XXXX XXXX is reporting unauthorized and inaccurate inquires and information on me : Listed below are the Inquiries that are being challenged INQUIRY - XXXX XXXX XXXX XXXXXXXX INQUIRY - XXXX XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employer - XXXX XXXX XXXX XXXXXXXX is reporting unauthorized and inaccurate inquires and information on me : Listed below are the Inquiries that are being challenged INQUIRY - XXXX XXXX XXXX XXXXXXXX INQUIRY - XXXX XXXX XXXX XXXXXXXX INQUIRY - XXXX XXXX XXXX XXXXXXXX Employer - XXXX XXXX XXXX
Product: Credit card or prepaid card

Bank of America Allowed for a fraudulent account to be opened in my name. I discovered this account when I pulled a copy of my credit report and the account was showing on my credit reports with  XXXX , and  XXXX , and  XXXX . I did not apply for a card with Bank of America and I have contacted Bank of America to make them aware of this fraudulent account yet they have refused to do anything about it. When I called in to Bank of America about this card they told me that I would have to pay for the card even though it was fraudulently opened. I explained to Bank of America that I was a victim of identity theft and that the account was opened in my name without my knowledge or permission but they have continued to refuse to assist me but only continue to threaten me that if I do n't pay the fraudulent account that they will ruin my credit. I should not have to pay for a credit card that was opened fraudulently and is defamation of character to report fraudulent information about me on my credit bureau when Bank of America knows that this is not my account because I have told them many times both by calling and by certified mail.
The fraudulent account number is  XXXX . This is a fraudulent account and I am not responsible for bank of America opening it in my name or the charges on the card.
Product: Debt collection

Checked my report and there is a charge on there from XXXX from XXXX XXXX XXXX XXXX XXXX for {$1700.00} I contacted XXXX XXXX in XXXX Illinois spoke with XXXX XXXX, a fraudulent invoice was emailed to me from a XXXX purchase. 
I did not purchase any furniture from XXXX in XXXX nor could XXXX corporate provide proof any furniture was delivered to my home nor had a signature that i received furniture in XXXX. 
XXXX XXXX XXXX said i opened an XXXX card in XXXX which is not true nor could they provide the original documents. XXXX XXXX also state a {$30.00} payment was made in XXXX but couldnt provide what card was used to make this suspicious payment. Please help they are reporting fraudulent dates on invoices and being very dishonest.
Product: Debt collection

In XXXX 2021, I had two XXXX XXXX performed by XXXX XXXX XXXX XXXXn XXXX XXXX Pursuant to that, XXXX XXXX XXXX  in XXXX GA acquired XXXX and now they are XXXX XXXX XXXX and in the summer of 2021, sent me a bill for approximately {$440.00} for these tests. I called their billing department and told them that my XXXX approved these tests and that they should be pursuing payment through them. My XXXX is on file. The lady I spoke with acknowledged that insurance should pay for this and told me she would handle it and that she would call me if there was a problem. That was the last I heard from them until this week when I received a notice from the credit bureau that National Recovery Systems had filed for collection resulting in a XXXX point drop in my credit rating. I never heard back from XXXX ( XXXX ) nor have I ever heard from National Recovery Systems. This morning I spoke with XXXX and was told their claims department sent this to collection but I could not contact them. The rep did say she would send them an email but I have little confidence since they never informed me there was an issue and sent the debt to a debt collector who never contacted me.
Product: Credit card or prepaid card

My application was denied because it said that I was in a relief program and that is not true. I am not in any deferral program and have been on time with all my payments and never been late. This is not fair and I am willing to go to my Attorney General to get this fixed.