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

XXXX XXXX XXXX, XX/XX/XXXX. Am not aware of this account XXXX XXXX, XX/XX/XXXX. Am not aware of this account XXXX finance XXXX, XX/XX/XXXX Account does not belong to me XXXX XXXX XX/XX/XXXX does not belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of obtaining approval for an XXXX loan, so after obtaining my credit report, I saw some negative accounts that needed to be address. So, on XX/XX/XXXX I sent a series of dispute letters to the credit reporting agencies. As far as I understand, according to section 611 of the FCRA, the bureaus area required to respond within 30 days as long as there has not been additional documents that I have been provided. Which I didn't. I have yet to receive anything from the credit reporting agencies.
Product: Debt collection

I've sent the below to both c/o companies and neither provided me with the valid information requested. I NEVER received any VALID documents requesting my presence in court. This should be against the law to now XXXX  years later send such foolishness to any courts to SUE me. I would never not respond to any court order this is just illegal and certainly damage to my credit file and working privacy the way that both entities have handled this. 

XX/XX/year> XXXXXXXX XXXX XXXX  XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Debt Verification Request Account Number : XXXX ( {$1200.00} Charge Off ) and XXXX ( {$2000.00} Charge Off ) To Whom It XXXX Concern, I am writing to formally request validation of the debt referenced above, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. This letter is not a refusal to pay but a request for clarification and proof of the debt you claim I owe. 
Under the FDCPA, I am entitled to receive detailed information about this debt, including : XXXX. Verification of the debt : Proof that I am the individual responsible for this alleged debt. 
XXXX. The original creditor 's name and address : Documentation clearly identifying the original source of the debt. 
XXXX. The amount of the debt : An itemized accounting of the total balance, including principal, interest, fees, and other charges. 
XXXX. Evidence of your authority to collect : Proof that your agency has been authorized to collect on this debt, including any relevant contracts or agreements. 
XXXX. A copy of the original contract or agreement : If applicable, provide a copy of the contract or agreement I allegedly signed, which demonstrates my obligation to repay the debt. 

Additionally, under 15 U.S.C. 1692e ( 4 ), you are prohibited from using deceptive or misleading practices in your collection efforts. Until the debt is fully validated, I request that all collection activities related to this account cease immediately, as outlined in 15 U.S.C. 1692g ( b ). 

Please note that I am requesting all communication regarding this matter be conducted in writing and sent to the address listed above. If you can not provide the requested information, I expect you to cease collection efforts and promptly notify me in writing of the closure of this account. 

Failure to comply with these requirements may result in my filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office. 

Thank you for your prompt attention to this matter. I look forward to your response within the legally required timeframe of XXXX  days from your receipt of this letter. 

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

un-autorized INQUIRIES AND 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Agreed to a court order stipulation for settlement with Midland Credit Management on XX/XX/XXXX for the amount of {$2300.00} half the original balance {$4600.00}. XXXX was to be paid in full by XX/XX/XXXX. The stipulation settlement amount was paid in full on XX/XX/XXXX. Midland Credit Management did not follow the rules of the stipulation, they updated my credit file showing a balance of {$2300.00}. The stipulation of settlement clearly states upon payment of the entire Settlement Amount, Plaintiff ( MCM ) will release Defendant ( XXXX XXXX ) from all causes of action and claims that Plaintiff could assert in the above captioned matter. Similarly, by entering into this agreement, Defendant releases XXXX ( including its related companies ) from all causes of action, or other claims, known or unknown. In this case MCM has adjusted the balance and not completely removed the above debt per the stipulation for settlement.
Product: Debt collection

One day I was checking my credit report and I noticed a collections for {$7700.00} the creditor is, Reflections on sXXXX XXXX XXXXhe debt was opened XXXX XXXX! Im not sure how someone acquired my information to now go and purchase an apartment in my name! I did lose my wallet earlier that year which I ended up putting in all my disputes which included my id still not sure if thats how! This debt is really effecting my life my credit and my rental history I cant move anywhere or get approved its been a nightmare.
Product: Money transfer, virtual currency, or money service

I am filing complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions has caused significant inconvenience and financial loss, and seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . 
These inquiry do not belong to me. i will like for them to be remove from credit report. 
DELETE CREDIT ACCEPTANCE
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of inaccurate and outdated personal information from my credit report. Specifically, I would like the following addresses to be corrected or removed : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX XXXX. XXXX XXXX XXXX XXXX, NC XXXX The correct and current address is : XXXX XXXX XXXXXXXX XXXX XXXX NC XXXX
Product: Checking or savings account

I received XXXX emails on the morning of Sunday, XX/XX/XXXX from TDBank. The first email let me know that an account was opened with my information and the second alerted me that my security email had changed. I called TDBank and reported the fraud to have it shut down immediately. The second email had another email ccd with the address of XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account # XXXX. has violated my civil rights. XXXX XXXX. XXXX ( A ) ( XXXX ) states that 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: Mortgage

On XX/XX/2019 I called PenFed Credit Union to submit an application for home loan. The call was answered by XXXX XXXX who asked me a series of questions and quickly determined I was pre-qualified for a loan. He proceeded to set up a portal for me to forward information and sign papers to continue the process. So far, so good. On XX/XX/2019 I was contacted by XXXX XXXX Identifying himself as my mortgage processor and he emailed a preliminary list of items needed to continue the process advising me to have them sent in 48 hours. Once received he stated, he would review with his underwriting partners. He went on to say once that review is completed, he would know the requirements needed get the loan in for final review with his underwriting partners and off to closing. One item on the list was my tax returns which I downloaded and forwarded on XXXX XXXX and was confirmed to have been received in the portal.The remaining items,17 pages, where scanned and emailed to XXXX at XXXX CST on XXXX XXXX from the XXXX  XXXX service desk in XXXX Mo XXXX Now hear this, I would NEVER hear from XXXX XXXX again!! Despite numerous unanswered phone messages and numerous unanswered emails trying to get an update on the process, I never got one response. At the same time, again on numerous occasions, I began calling and emailing XXXX XXXX trying to get answers but to no avail. Again, many calls and emails with XXXX have gone unanswered.On one contact with him on XXXX XXXX, I stated my case and I was told " I will look into it sir. '' Then, after XXXX instructed to resend the 17 pages, I responded by both emailing and faxing the same to BOTH XXXX and XXXX on XXXX XXXX. Never got a response. Furthermore, in the correspondence email from XXXX, the name of XXXX XXXX, XXXX was given as the person to contact with concerns. I called and left 3 messages on her voice mail that were never returned. Can you believe it? After 2 months I am no further ahead obtaining a loan than I was on XX/XX/XXXX and after XX/XX/2019, the last day I had a communique with XXXX XXXX, I was dropped like a rock. No closing date, no money, no communication. Period. End of my story.
Product: Credit card

XX/XX/24 at XXXX XXXX I received an email from my bank stating it looks like a lender recently checked your credit report. I then signed on to my bank account to review the alert because I know I have not requested to open any new credit card or loan. My bank states their was a credit check done today XX/XX/24 by AMEX. It then gives options to dispute. I contacted the number it gave for XXXX XXXX. I spoke to a XXXX at XXXX XXXX who states he put a fraud alert on my account that would apply for 1 year and then transferred me to the fraud department who I spoke with XXXX who states it will take 72 hours to complete process of dispute. He then told me I should also file complaint with XXXX which then directed me here. He also told me to call Amex. I advised there was no number on my banks website listing. He advised to go directly to their website for a contact number. I went Amex website and called the my credit guide number XXXX since no other number matched my concern. I spoke to XXXX today XX/XX/24 at XXXX XXXX. She asked for my email to verify of any accounts were opened using that email and she stated there was none found. She did not try to check their system any other way. She put me on hold to see best way to handle my situation. When she came back on the line she stated she would be transferring me to the disputes department at XXXX. I spoke with XXXX who said he was with XXXX? He stated he did not see any hard inquiries on my report at the time. He stated he will mail a copy to me for my records which I should receive within 7-10 business days. 

I still am very concerned that someone has my information and will continue to make inquiries that will affect me or may even actually open a credit card in my name. Please help.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting problems and discrepancies, my financial institution and Zelle failed to investigate my claims accordingly. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has neglected to protect consumers and allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about user safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I PURCHASED XXXX JACKETS FROM MERCHANT. I RECEIVED XXXX JACKETS. 
I RETURNED XXXX JACKETS TO MERCHANT. THE WERE BILLED ON SEPARATE INVOICES. THEY WERE RETURNED IN SEPARATE BOXES. THEY WERE XXXX RECEIVED BY THE MERCHANT. I HAVE XXXX REFERENCE TRANSACTION ID 'S INFORMING THE CREDIT CARD COMPANY TO REFUND XXXX PURCHASES. 
THE CREDIT CARD COMPANY HAS REFUNDED ONLY XXXX PURCHASE AND I HAVE TRIED ON MULTIPLE OCCASIONS TO GET MY MONEY BACK. EACH TIME THEY DO AN INVESTIGATION THEY DENY THE XXXX REFUND
Product: Mortgage

This is related to XXXX. My original mortgage servicer Bank of America ( BOA ) responded to my demand letter to my current servicer XXXX. 
The XXXX XXXX foreclosure sale was changed to XXXX XXXX. Both XXXX and BOA received my dispute by XXXX XXXX. The property was not sold, but ownership was transferred to BOA. 
BOA is now trying to sell the property at a profit, more than my original loan. 
I am sending a letter demanding they either 1 ) return the property to me, free and clear of the debt and any liens, or 2 ) reach an equitable settlement with me. 
BOA refused to work my HUD counselor and I to resolve this. 
BOA sold the loan to XXXX, and XXXX refused a sale that would have paid off the loan, so UCC rules were invoked. 
I gave XXXX, XXXX, and BOA 30 days to respond, they have done nothing but delay. 
Now BOA is claiming ownership and seeking outside counsel? 
How much time and money are they willing to put into this when they are clearly fraudulent?
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. 

Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. 

XXXX XXXX XXXX  agreed not to share my financial history with non affiliates. Equifax is not an affiliate of XXXX XXXX XXXX  and is NOT considered the credit bureau. The only credit bureau is the CFPB and they DO NOT furnish credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

All addresses on my credit report are inaccurate and must be deleted.
Product: Credit reporting

I have inquiries on my credit that do not belong to me and I have disputed these multiple times with the credit bureaus ( XXXX, Experian, XXXX ). I submitted a police report, FTC report and letter 3 times and they refuse to remove these in violation of section 605B. Under this section, all disputed account must be blocked within 4 business days and require a full investigation. I have never disputed these inquiries before ; therefore, they can not be considered frivolous. This is my last resort before I send an intent to sue. I am a victim of identity theft and these inquiries are the result of someone else using my information. 
Here is a list of the Companies and dates of the inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EX XXXX/XXXX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Subject : Request for Blocking Fraudulent Information under FCRA 605B I am writing to formally request, in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, as the credit reporting agency , block the information on my credit report that has resulted from identity theft and fraud. This request is made within 4 business days of receiving this complaint.

The fraudulent information includes the following 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 XXXXXX/XX/XXXX Balance : {$380.00} These accounts have led to multiple fraudulent hard inquiries and collections appearing on my FICO credit report. I have attached a list of the hard inquiries in question, along with a copy of my consumer FICO credit report that shows these fraudulent entries.

I do not recognize any of the accounts, collections, or hard inquiries listed above. They were neither opened nor authorized by me and are a direct result of identity theft and fraud. 

For your reference, I have also included a copy of FTC Identity Theft Criminal Complaint # XXXX, which serves as proof that these accounts, collections, and inquiries are due to identity theft. 

Thank you for your prompt attention to this matter.
Product: Debt collection

OnXX/XX/XXXX. I had my vehical voluntaried Repossed cause of an unpaid balance of {$4300.00}. 
I lost my job so I could n't afford it anymore. On XX/XX/XXXXI requested a letter of Resale for XXXX XXXX XXXX. A.K.A Reliant Financial. I received it via email. 
When I check the amount of how much they sold the car for, they sold the car for {$600.00} which to me I think it 's ridiculous that they sold it for that amount. ( that is another complaint that I will be reporting on this one ).. 
In the letter it says the new balance is {$3300.00} After the resale. 
According to my XXXX and XXXX XXXX Credit Report. It claim my balance is {$5200.00}. To me it sounds like there falsifying fact on my Credit Report. On a closed account which is date on XX/XX/XXXX and it 's XXXX From what I been reading in the FBCPA laws ai n't that in violation of my right as a Consumer.  How can they still be charging me when the account is closed. When it 's closed its closed.. 
My Second Complaint is for the amount they sold the Vehical for {$600.00}, To me that is not a very reasonable amount for which the car was sold being in the condition on which it was repo 'd. It seem like they just wanted to hurry up and get rid of it with no though in mind on how much to sale it for. I honestly think it in violation of my rights according to the FBCPA laws and F.T.C laws as well as Consumer Laws under the state of Nevada. This is paragraph is out of the F.T.C Laws of Vehical Repossession. " Any resale of a repossessed vehicle must be conducted in a commercially reasonable manner. Your creditor doesnt have to get the highest possible price for the vehicle or even a good price. But a resale price that is below fair market value may indicate that the sale was not commercially reasonable. Commercially reasonable may depend on the standard sales practices in your area. A creditors failure to resell your car in a " Commercially Reasonable Manner ''. may give you a claim against that creditor for damages or a defense against a deficiency judgment. " ..I 'm sure there in violation of other things as far as false reports to the Credit Bureau as far as the account being closed but yet still charging me a fee. Also for reporting inaccurate Balances on my Credit Report. And charging me late fees on a closed account. Which to me it consider falsifying information. Which is in Violation of my Consumer right. I will consult with an attorney to see if I have any grounds to file a claim against them.
Product: Debt collection

I did not request or receive a loan from anyone. I have had no dealings with this company. I am being contacted by repeatedly by several different companies and each time the lender and collection name changes. I am not even sure how they got my information.