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

I'm filing this complaint to the credit bureau in order to notify them AGAIN that I was a victim of identity theft. I want to challenge any improper items that are appearing on my credit record, but it looks like the credit bureau could care less. I require the materials to be taken out of my file as soon as possible because this is a flagrant breach of FCRA laws. 
XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX  ; XXXX XXXX ; XXXX XXXX XXXX WY XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance : {$5100.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Currently, as a federally protected consumer Im seeking proof of the alleged debt, under the doctrine of estoppel by silence, Engel haloyalravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Thus, absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 

I am disputing the information directly with you, the furnisher of information, and I am requesting an investigation in the FCRA Section 623. The FCRA regulates how the credit bureaus handle your report under section 611 for accuracy { 15 U.S.C. section 1681-2. Any attempt to collect this debt without validation violates the FCDPA. ( FAIR Debt Collection Practices Act ).

806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts * Please note that proper documentation is NOT a printout or bill from you but rather actual proof of the alleged debts existence ( original alleged contract bearing my signature ). Expeditious weekly updates are scheduled to be sent to the CRA electronically. Lastly, please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.
Product: Checking or savings account

When accessing my Capital One mobile app, a promotional offer of {$45.00} for downloading an extension to my web browser kept appearing. After ignoring it a few times, I finally clicked on the link to take advantage of the offer. I followed the links provided and downloaded the browser extension as instructed. After having done so, I waited a few days for the promised amount of {$45.00} but it was not seeing it deposited into my account. I then called their customer service number to inquire about the status of these funds but was told that " they had no record of such offer '' and that they couldn't offer me any help.
Product: Credit card or prepaid card

I received a fraud allert on XXXX due to suspicious activity. At that time a new card was ordered and I reported XXXXwo charges to my account that I did not make. 
They were made on XXXX by XXXX XXXX XXXX XXXX for {$2.00} and {$3.00}. 
The cc company originally reversed those charges and then reinstated them on XX/XX/XXXX. 
I called the cc company on XX/XX/XXXX and asked for the charges to be removed since I did not make those purchases.They were made after my card information was stolen on XXXX. 
The cc company refused to remove them. 
There is alot of information online about that company XXXX XXXX XXXX XXXX XXXX XXXX.being used by skimmers to see if the card is usable. The card was not out of my possession on XXXX and I never made a credit card purchase at a vending machine. 
I want those charges removed asap. 
Thank you I
Product: Credit reporting or other personal consumer reports

I disputed inaccurate late payment reporting on the following accounts : XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX  Account # XXXX, and Affirm  Account # XXXX. These accounts are closed with {$0.00} balances but are being falsely reported with over 110 days of late payments. Despite submitting formal disputes with documentation proving the accounts are paid in full, the credit bureaus and furnishers have failed to correct these errors, violating the Fair Credit Reporting Act ( FCRA ). This inaccurate reporting has significantly harmed my credit score and financial opportunities. I am requesting immediate action to remove the false late payment information and hold the furnishers accountable.
Product: Mortgage

In XX/XX/2021, we refinanced our loan with XXXX. Who they sold our loan to NewRez LLC in XX/XX/2021. In XXXX, our Property taxes were due and not paid on time or at all. I paid {$5200.00} plus {$530.00} for a total of {$5800.00}. Additionally, I paid {$130.00} service fee for using a credit card. XXXX has been working with XXXX XXXX in escalations at NewRez. However, I just received notice today that I am only getting refunded {$530.00}. There is no way for me to contact XXXX, her number is restricted and she will not reply to my only email that I sent yesterday XX/XX/2021, asking for an update. We don't get to choose who buys our loan, so how does publishing this description help anyone. 

When I refinance again, because I don't want to give these people any more money, how do I make sure they don't end up buying my loan again? 

And I filed a complaint with NewRez to remove my escrow account and I don't meet the qualifications because I am a new account.
Product: Credit reporting or other personal consumer reports

To Whomit May Concern This letter is being sent to you in response to a computer generated, unsigned letter dated XX/XX/year> ( XXXX ), letter received by Claimant from your offices. Be advised that your claim is disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq. All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by the Claimant. I refuse to pay this alleged debt until the proper validation of this debt is provided. Please cease and desist all collection activities until you can properly validate this alleged debt. 
15 USC1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. 
If proper validation of this alleged debt is not provided within 30 calendar days of receiving this notice, I will assume this alleged debt to be invalid and you shall delete this account and stop all collection activities regarding this account. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter. 
This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above-named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. 
Provide under Rule 1002. Requirement of the Original An original writing, recording, or photograph is required in order to prove its content unless these rules or a federal statute provides otherwise. 
Furthermore, you shall cease all verbal communication. No phone calls, no text messages, no social media contact, no ringless voicemail contact, no email contact, the only communication must be through the UNITED STATES POST OFFICE, to the Claimant. 
At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Consumer reporting agencies, such as, XXXX, Experian and XXXX prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. Due to this fact ; if any negative mark is found on any of Claimant consumer reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following :
Product: Credit reporting, credit repair services, or other personal consumer reports

I have officially filed complaint with the Federal Reserve - XXXX against multiple Creditors ; XXXX, Experian and XXXX XXXX ( XXXX Specifically ) and the CFPB. 

My legitimate issues are being ignored. 

I am frustrated and angry.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company informationTransunion. Please delete the following accounts : XXXX  XXXX {$350.00}, XXXX {$0.00XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that i have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX  ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!
Product: Credit reporting, credit repair services, or other personal consumer reports

They refused to remove identity theft from my report after receiving police reports and identity theft affidavit when the other bureaus did, equifax refused. They also refused to reinvestigate. 

I had used the app to lock my credit as im a victim or identity theft. I tried to before a loan. Several creditors couldnt pull my report. I contacted equifax over 17 times over 5 days all saying my credit can be pulled but i applied for 5 cards and a car and NONE could get my equifax report. Equifax has consistently showed extreme negligence in handling any issues. 

This is now the THIRD time equifax has violated the FCRA ontop of the breach recently.

This completely shows a constant complete disgregard of the law and gross negligence on a daily basis.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to resolve a matter with Capital One about incorrect information on my credit report. I have provided all of the information they require and have not received adequate attention. The report is stating that I had delinquencies on a credit card from XXXX XXXX. The card was not mine and there is no other record of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is clear to me that a mistake has been made on my credit report. I disputed the accounts with the credit bureaus but end up with nothing. I could not believe they did a full investigation on the accounts I disputed because they are definitely not correct! Account payment history is incorrect, date of last payment is also incorrect. This is ruining my credibility. Please help me remove the errors reporting on XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I've contacted XXXX XXXX XXXX & they told me I've never missed a payment, yet Experian refuses to remove me from being listed as late on XX/XX/20 on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Experians job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please remove the late date from this account : XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX gave XXXX XXXX XXXX a Merchant Advance in XX/XX/XXXX for XXXX 'XXXX XXXX XXXX XXXX XXXX XXXX. The Broker who set the Advance up was fraudulent and he took money from my account twice. My Bank shut the account down, my Business also went under due to Covid-19. This was not a loan and definitely not a personal loan. My Credit Report is showing on XXXX  and XXXX  this account was opened XX/XX/XXXX and that it is a personal loan. This is a lie and inaccurate, both parties are in Violation of The Fair Credit Reporting Act and are liable for damages up to {$1000.00} each in State and Federal Court. Caine & Weiner is pretending to be a Law Firm when they are just a Collection Agency. The amount is a lie also, I received a notice from another company last year that the amount was {$6800.00} but on my Credit Report is {$7900.00}. I am in the process of contacting The Attorney General Office and The Federal Trade Commission to file complaints against both companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

these accounts don't belong to me. please remove accounts : XXXX. Identity Theft ALLY FINANCIAL Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX  XXXX XXXX  XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/2019 This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither 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 accounts. 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 reportsno consent is fraud. 

XXXXXXXX XXXX XXXXXXXX Balance {$2700.00}, XXXXXXXX XXXX XXXXXXXX Balance {$13000.00}
Product: Debt collection

I recently discovered that Transworld Systems Inc. accessed my credit report on XX/XX/year>. I am unfamiliar with this company and did not authorize them to pull my report. Additionally, they did not have a valid purpose for accessing my credit report. 
I request that Transworld Systems Inc. provide a valid reason for pulling my credit report. 
Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/XXXX I had been laid off and struggled financially the whole year looking for work at many places and took a few jobs that helped prolong my savings while I continued to apply for more positions. It was finally in XXXX of XXXX after my savings was depleted and the couple jobs I worked didnt bring in enough that I contacted Wells Fargo who we pay our mortgage through to let them know I am going to be experiencing a financial hardship and what can I do ahead of time so that I dont mess my credit up and have to go into foreclosure. They sent me to a department where I make smaller payments but they still marked me as late payments which I feel does not reflect my character and my financial habits which I am very responsible. Thats why I reached out to them ahead of time. I feel that under the circumstances I should have the derogatory mark on my XXXX score removed so my score can improve. I am purchasing a business with up money Ive saved up and would like to apply for a business credit card but dont want to apply until I know that once my credit takes a hard hit that it will be worth it.
Product: Mortgage

I am writing to submit a complaint regarding XXXX Mortgage. XXXX acted illegally on at least XXXX occasions while handling our loan. First, XXXX transferred our mortgage to a new servicer in XX/XX/XXXX. XXXX did not provide the required XXXX advance notice of transfer and did not provide any notice of actual transfer. XXXX, XXXX took out a lender-placed insurance policy on our behalf. XXXX did not provide us ANY notice that it intended to take out lender-placed insurance, much less the XXXX letters spaced 30 days apart as required by law. We had previously provided XXXX with proof of insurance on several occasions. Moreover, XXXX deducted the annual premium of approximately {$1800.00} for the lender-placed insurance from our escrow account without notice. XXXX has given us conflicting information on whether that amount has been refunded. Apparently the refund was attempted to made during the transfer to the new loan servicer, XXXX XXXX, but neither company has been able to show that the premium was repaid to the escrow account.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I transferred money from my Credit Karma savings account to my external bank account that was linked.The amount was {$940.00}. It shows on Credit Karma that it arrived in my XXXX account on XX/XX/XXXX. There is no money. I spoke with several Credit Karma reps via email and over the phone, and they told me XXXX is at fault, or that I can speak with their specialty team. XXXX has no record of this transaction pending, or even existing. Credit Karma has said they would escalate it but refuse to put me in contact with their higher ups to resolve this, they said they cant dispute it since theres no proof the money didnt land in the external account, and various other excuses. I have provided proof to them it did not land in my account like they asked and they still will not dispute it or refund my money. I am out almost {$1000.00} because of this. I am not the first person they have done this to if you look online. They are embezzling money from the customers that bank with them I believe. And when asking if I can dispute this, they told me theres no way to since its in my account. They also claimed XXXX told them they have my money, and when I asked for proof of who they spoke with at XXXX Bank and the email showing this, they couldnt provide me with anything. I just want my money back.
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against I.C.System for committing identity theft. I have never given I.C.System any permission to use my identifying to commit mail fraud by contacting me about an alleged debt they claim I owe. Iam legally refusing to pay this debt pursuant to 1692c ( c ). Im demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until I.C. System can provide me with sufficient documentary evidence, such as a trilateral contract, that I have any legal obligation to pay them. If this documentary evidence, can not be produced and I.C.System continues its collection efforts. file for litigation for actual damages caused and I.C.System will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A. extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1 - 202f. Your prompt Attention and Response are requested and required. Account # : - XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Equifax about the following accounts that are reporting past due balances on accounts that are charge off which is a clear error on the reporting ; XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$40000.00}, XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$400.00} ), XXXX XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$19000.00} ) and XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX, Balance : {$7600.00} ). They are also reporting a collection account from XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$300.00} ) that I don't recognized and that the bureau failed to validate as I request multiple times. Attached is the previous letter I sent to the bureaus. I also have the certified mail receipts that I can provide if necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

don't not recognize inquires remove within 15 days