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

To : TD BANK USA, N.A. ( Target ) and TD BANK , N.A . I write to advise you that I plan to file a lawsuit against you in the United States XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX due to your multiple and ongoing willful violations of the FCRA and FDCPA. I need you to provide me with a list of options and preferred options to have the Summons and Complaint served upon you. Please advise me of your registered agent name, address and phone number for service of process in Florida AND all branches, offices, agents, attorneys or representatives in XXXX XXXX, Florida and in any other counties in Florida who can and are authorized to accept service of process. Moreover, after filing a lawsuit, I plan to send you a Notice of a lawsuit and request to waive service of a summons to reduce costs of service and provide you with additional time to respond. This may provide you with additional time to respond, instead of 20 days. For your convenience, please provide me with your preferred address to send such Notice with the Complaint, such as your Legal Department. Local Rules of the USDC XXXX XXXX XXXX Florida require your counsel to confer with me before filing even routine motions to ascertain whether I oppose or unoppose a motion. If your counsel files a Notice of Appearance before a Clerks Default is applied for and needs an enlargement of time to file responsive pleadings, you may file a copy of this document representing to the Court that I do not oppose up to a 30 day enlargement of time to file responsive pleading to comply with the Rules obligation to confer. However, If you do not provide me with the information requested above and you are properly served with a Summons and Complaint, I will promptly at the earliest date possible file an application for a Clerks Default and a Motion for a Default Judgment.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account below from my report : CAPITAL ONE XXXX Date Opened : XX/XX/2019 Balance : {$68000.00}
Product: Debt collection

Around XX/XX/XXXXXXXX  I was alerted that a debt collection was added to my XXXX credit score. Williams & Fudge Inc. is attempting to collect re-aged debt on behalf of XXXX XXXX. I attended XXXX ( merged with XXXX XXXX  in XXXX ) during the fall semester of XXXX. I withdrew from the school before XXXX. Maybe during the merger there was an accounting error. I do not believe this debt is correct to begin with as all student loans have been paid off and I was never contacted by the school about owing a debt over the last 10 years. My phone number and email were the same, I also had mail forwarding. If this debt is correct, why was I never contacted before? Additionally, this debt is not a student loan and therefore would be past the statute of limitations for CA and OR. Therefore trying to collect this re-aged debt is a FCRA violation. 

I have disputed this debt collection with XXXX four times. XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, and XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Please see the True bill attached for violation of account XXXX XXXX XXXX XXXXXXXX and remove this account from my credit report because you are reporting inconsistent information. In complaint XXXX you stated that the creditor XXXX XXXX XXXX-VERIFIED AS REPORTED. How is this possible when you were notified that TU last reported is XX/XX/24, XXXX last reported is XX/XX/24, and XXXX last reported is XX/XX/24? All information should be reporting the same. You were notified over 45 days ago in a letter that was sent certified mail that you were in violation, and I was pending litigation seeking relief and monetary compensation under FCRA 15 US Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability. I am filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617. See the True bill attached. Remit payment to address on the invoice within 10 business days. If this account is not updated, and payment is not received, I will forward this information to my legal attorney.
Product: Mortgage

I applied to refinance my existing mortgage on XX/XX/2020 with American Financing. Before applying to refinance I had an extremely good credit score above 750 so being approved for the refi was not anticipated to be a problem. After working with one of their loan processors to submit all of the requested info from employment history, tax returns, pay stubs, and more, I did not hear from American Financing for 2 weeks. Then after requesting an update via phone I  was told that I am now pre-approved and then moved into " conditionally approved '' status. I was told by the loan processor that everything looks good and they should have what they need. My income level, company I'm working for, and pay structure stayed consistent throughout the process. Then, American Financing " disappeared '' from XX/XX/2020 to finally making contact with me again on XX/XX/2020. I left multiple messages during this time period for XXXX, my original loan processor to call me back and update me as I have not heard anything, and my closing date listed on the American Financing portal had come and went, twice. A nice lady named XXXX finally made contact and said she is " taking over '' my loan on XX/XX/XXXX. She requested a few extra documents which I provided quickly, and then, 2 days before scheduled closing on XX/XX/2020 I received a call from a different American Financing employee named XXXX saying I was no longer approved because " the way I am paid changed ''. Again, nothing had changed throughout this entire process. I am a truck driver that is paid by miles and stops, with XXXX miles guaranteed weekly by my company. That was consistent from application to " conditional approval '' to denial. Yet they alleged that my pay structure changed and used that as a reason for the denial, after " losing '' my file for 1.5 months. This company hit my credit, was irresponsible with my information, led me to believe there were no problems, disappeared for 1.5 months, then told me I was denied my refinance 2 days before scheduled closing. They were unprofessional and seemingly reckless with my information. I made some personal financial decisions based on the conditional approval and after being led to believe there were " no issues '' with my refi. Would never recommend anyone do business with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Hard Inquiry from XXXX ( Utilities and Fuel ) done on XX/XX/XXXX. I did not apply for a credit card or phone with XXXX. 
on XX/XX/XXXX, following the identity theft plan from the Federal Trade Commission FTC Report # XXXX, i called XXXX fraud department at XXXX and the agent ran my social security number XXXX and found No records of myt social security number appling for a cc or phione service. There was no application regarding my social security number. 
My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX XXXX
Product: Debt collection

Company, Valor Intelligent Processing is calling my personal phone number at all hours of the day, spoofing multiple numbers while doing so, during work hours/non-work hours, and leaving automated voicemails that have a misleading tone to them. They say, " Valor intelligence Processing calling on behalf of XXXX Texas XXXX XXXX concerning an important business matter. Please call us back at XXXX at your earliest convenience. '' They harass me almost every single day, multiple times a day. 

I called back finally today, XX/XX/XXXX, at XXXX and asked them to stop calling my number, did not provide name or number since clearly they already know who it is, and the agent continued to try and press for my personal information while talking over me and just being pushy in general. I never got what I requested done and told them I will be filing a complaint with the Consumer Financial Protection Bureau. 

I called another collector 5 minutes later, albeit, trying to reach someone who had this number prior to me, asked them to stop calling without providing any personal info, and it was taken care of. Why is this such an issue for Valor Intelligent Processing? 

This is not them calling about business matters, this is them harassing and misleading me in order to collect a debt for tolls. Extremely frustrating when I call someone back regarding what I think is a business concern, and it turns out it is just someone calling me to collect toll money. Last I checked, the XXXX was to stop charging tolls on roads that construction was completed on, but alas, here we are. I stopped paying them in this case, because while using their app, they tried to draft my account for over {$500.00}, when I only approved {$30.00} singular transactions. Luckily I set a limit per transaction for this account. If it happened to anyone else, XXXX would tell their customer to kick rocks and they would be out {$500.00}. I also have to take time out of my day, while I am supposed to be working, to file this complaint. 

Call log & number history from now, back until XXXX. There are probably other numbers, with different area codes they have tried to use to call me as well ; but they only leave voicemails with the XXXX area code numbers. 

XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I am sending you this letter because after a careful review of my updated report, I have found that your company is reporting inaccurate and incomplete information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/2023 I mailed my dispute to Experian Reporting Agency about several unlawful Late Payments being furnished on my consumer profile, The basics of my dispute is about the unlawful use of Late Payments which is illegal, My results remained unchanged as I got updated of the results today Friday XX/XX/2023. XXXX XXXX states Late Payments are forms of Transactions and or Experiences between the consumer and the person making the report According to 15 USC 1681A ( 2 ) ( a ) ( i ) it states Consumer report does not include-Transactions and or Experiences between the consumer and the person making the report deeming all relative information furnished on my consumer report as inaccurate information in the form of Experiences pertaining to the Late payments being reported also I did not gave any of these companies written permission to put anything on my consumer report which is illegal and a violation. 15 USC 1681b2 Governs Permissible Purpose in the use of information in which I did not give them so this is a clear identity theft on there part, according to XXXX XXXX, they just refuse to follow the law knowing certain information is unlawful to report on one 's consumer report and they refuse to delete or remove the inaccurate information they choose to report the following accounts are reported as such Late Payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These are the unlawful Late Payments that remain I need all these Unlawful Late Payment Accounts Removed and Deleted never to be brought back and my Credit score updated along with the other updated inaccurate information that has been removed because they have not been updating my score either
Product: Credit reporting or other personal consumer reports

This is my last attempt to have this issue resolved, and I am increasingly concerned about the negative impact it is having on my financial standing and credibility. In regards of providing all necessary documentation and evidence to support the correction of this late open account, it remains inaccurately listed on my credit report. This persistent error undermines my financial reputation and hinders my ability to access credit and secure favorable financial terms. Also, I demand transparency regarding the steps being taken to address this issue and a clear timeline for its resolution. MoreoverI request compensation for the inconvenience, stress, and potential financial harm caused by the presence of this incorrect late open account on my credit report. It has adversely affected my ability to obtain credit, secure loans, and pursue other financial opportunities essential for my financial stability. The account should be corrected as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

the accuracy of the pay status information being reported on my credit report in connection with my XXXX Credit Card account. The account in question is closed, yet there have been highly unusual changes to the pay status, which I believe are inaccurate and misleading, creditors are required to send periodic billing statements under :15 USC 1637 ( b ), Lack of Proper Notice and Disclosures : The details of the account are as follows and Inconsistent : Account Type : Credit Card Account Holder : XXXX XXXX Status : Closed Issue : Inconsistent and Inaccurate Pay Status Reporting on Closed Account Creditor : XXXX XXXX is highly irregular for the pay status on a closed account to undergo changes after the account has been closed. Once an account is closed, the pay status should remain consistent with the final payment made or the status at the time of closure. However, I have noticed that the pay status on this closed XXXX account has been modified or updated, which is not only unusual but also detrimental to the accuracy of my credit report. 

XXXXInconsistent Pay Status Reporting : The pay status has inexplicably changed on my XXXX, Equifax, and XXXX credit reports, which does not reflect my actual payment history or account status at the time the account was closed XXXX. Impact on Creditworthiness : These changes are misleading and negatively affect my creditworthiness by suggesting ongoing or recent issues with an account that was already closed and settled. This inaccurate reporting could adversely impact my ability to obtain credit or other financial services. 

Requested Action : I request that you conduct a thorough investigation into this matter and correct or remove the inaccurate pay status associated with this closed XXXX account. Please provide me with the results of your investigation, including any supporting documentation that was used to verify the information. If the accuracy of the information can not be confirmed, I request that this account 's pay status be updated to reflect its accurate and final status at the time of closure. 

This letter serves as a formal complaint under the Fair Credit Reporting Act ( FCRA ). I expect a prompt and thorough investigation, as well as a timely response within the statutory period allowed under the FCRA.
Product: Debt collection

I was provided with a Lease Agreement that doesnt have my correct signature. I was provided with Lease Agreement that doesnt match the correct Move Out Statement dates. 

Please explain to me how you are accurately verifying this account if the Lease Agreement doesnt match the Move Out State Statement Dates, balances or address.
Product: Debt collection

XX/XX/2021 a summon for debt {$2900.00} from a company I have never heard of. Company representing XXXX XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX Phone number ( XXXX ) XXXX ext XXXX I returned a phone call on XXXX about The certified dispute letter to verified the debt. 
Called on XX/XX/2021 to follow up about verifying the debt. No update on verification.
Product: Money transfer, virtual currency, or money service

I have an XXXX XXXX XXXX debit card account. I have had the XXXX XXXX XXXX account for over 4 years. I am having issue using Ingo Money to cash a mobile deposit check on the XXXX XXXX XXXX mobile app. I need access from Ingo Money to mobile deposit and cash my checks on the Ingo Money app. Full Name : XXXX XXXX XXXX, DOB : XX/XX/year>, SSN : XXXX
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, IA XXXX Dear Consumer Financial Protection Bureau, I am writing to formally submit a complaint regarding the unfair and potentially unlawful practices of the credit reporting bureau, Experian. For several months now, I have been battling with Experian to remove collections from my credit report that I did not open, was never informed about, and have no knowledge of. Despite disputing these accounts multiple times, Experian has been unwilling to remove these erroneous collections, even though I have successfully resolved the issue with the other major credit reporting agencies. The disputed accounts are as follows : XXXX. XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance : {$970.00} - Balance Updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX - Balance : {$780.00} - Balance Updated : XX/XX/year> XXXX. XXXX XXXX XXXX - Original Creditor XXXX XXXX XXXX XXXX XXXX Balance : {$740.00} - Balance Updated : XXXX XXXX XXXXXX/XX/year> These accounts were added to my credit report without any prior notification or knowledge on my part. I have disputed these collections numerous times since being made aware of them, yet Experian has refused to act in accordance with my rights as a consumer. I am deeply concerned that these debts, which I never incurred, continue to tarnish my credit score and financial standing due to Experians negligence or unwillingness to take the necessary corrective actions. To make matters worse, I have successfully managed to have these erroneous accounts removed from my credit reports with XXXX and XXXX. This has significantly improved my credit score with these agencies, yet Experian remains unresponsive to my valid disputes. It has become evident to me that Experian does not have the best interest of consumers in mind, but rather appears to cater to third-party debt buyers and collection agencies that prey on consumers with unknown or disputed debt. I respectfully request that the Consumer Financial Protection Bureau investigate this matter and hold Experian accountable for its refusal to act in compliance with the law. Consumers like myself should not be forced to endure the damaging effects of inaccurate credit reporting, particularly when the information in question has been repeatedly disputed and is demonstrably false. Thank you for your attention to this serious issue. I trust that your agency will take the necessary steps to ensure that Experian is held to the same standard of accountability as other credit reporting bureaus.
Product: Credit reporting or other personal consumer reports

I file a complaint because I did not consent to, authorize nor benefit from any of the following inquiries or 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  All is being investigated by the FTC and CFPB XXXX According to FCRA XXXX this information must be blocked immediately until the investigation is over. Since XXXX business days from receipt of this communication allotted under the XXXX XXXX to block these entries, it should be understood that failure to do so within a XXXX business days period after receiving this letter constitutes reason to promptly delete the information from my credit file. Refer to : ( FCRA XXXX XXXX XXXX ( XXXX ) ( A ) ).
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXXXXXX XXXX XXXX on XX/XX/XXXX with a balance of {$150000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) 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.
Product: Debt collection

The XXXX XXXX XXXX contacted me months ago regards to a so called debt from XXXX, and I responded, explaining the debt incurred after I was evicted/moved out. 
Also, on a separate note the same case went to court, and was settled. I've attached except of the settlement & court proceedings for your perusal. I was strongly advise by my attorney to file this complain. 

I am forwarding this complain cause the agency still listed said account on my credit file on XX/XX/2018. 

Displaying the below information. 

You've paid off 0 % of your collection. 
Balance {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX