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

I've been a victim of identity theft and I'm suffering punitive damages. I've mailed you multiple letters to the bureaus and companies and this hasn't been resolved. These accounts are all fraudulent and need to be removed. XXXX Card- {$25000.00}. Fact, The truth and Lending Act is intended to inform consumers about the cost of credit. The companies above violated my rights by informing consumers that I allegedly owe an account with amount on it to XXXX, Equifax XXXX XXXX. Each violation is a {$1000.00} fine. Exhibit A Credit Report showing all 3 violations. Fact, The truth in Lending Act is intended to protect consumers against abuse and deceit by collectors, and I have been abused and deceived. So be it. The companies listed above is falsely publicizing an account addressed to me on XXXX, Equifax XXXX XXXX with no Original Contact which includes My Wet Signature. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations. Fact, 15 U.S.C. 1681 section A, States I have the right to privacy. The companies above has published my information publicly on Equifax, Experian & Transunion including an allegation account on each. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations. Fact, 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. The companies above has published an account they have of mine on XXXX, Equifax XXXX XXXX. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations. Fact, Affiant is aware and has proof in attachment labeled as exhibit A and the companies above. So their violation. Like some of the laws that are already common law is in violation of 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer should not stay set that such consumer owes any debt. The companies above has published an account they have of mine on the companies above. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations.
Product: Mortgage

I would like to request an additional modification application appeal with truist mortgage they continue to ignore the liens from the IRS because they want to deny the modification or a potential repayment plan because of some liens that are on my property search from a failed business and the IRS put liens attached and to my property but this has nothing to do with the mortgage and me getting a payment assistance because the liens are not going anywhere so I offered to do a Irs subordination agreement but truist mortgage will not cooperate with the IRS and abide by the subordination agreement and I have submitted this information like a total of four times so I need truist to understand that they have to use the coordination agreement in in order to give me the modification and theres no way that the title can be clean to get a modification because these are IRS tax liens from a failed business and I am currently going through a Investigation with the IRS and the Dept Of Justice for the tax liens and the failed business balance from the IRS so I just need truist bank mortgage to understand that they need to cooperate and accept the subordination agreement and provide the required documents to the IRS so they can approve the subordination agreement.
Product: Debt collection

Debt is disputed on credit report yet they continue after being told to cease and desist to contact family and associated people. This is a XXXX over XXXX years old. Disputed on credit report
Product: Credit card or prepaid card

On XX/XX/2019, I attempted to withdraw {$40.00} from my American Express Serve prepaid card at the XXXX XXXX XXXX XXXX XXXX ( XXXX ) ATM located at XXXX XXXX XXXX, XXXX, VA XXXX. The ATM was unable to print receipts, and then encountered an error dispensing the money ( and dispensed nothing ). I disregarded it, expecting the funds to remain in my account, and used another nearby ATM to make my withdrawal. 

On XX/XX/2019, the {$40.00} failed withdrawal posted to my account and I contacted Serve customer support, who transferred me to the dispute department. I explained the situation and they processed the claim. At no time was a provisional credit issued. I received a dispute form in my email on XX/XX/2019, and completed it and attempted to upload it multiple times from multiple computers and separate networks to no avail ; I did not report the website failure to Serve. I ended up faxing the form back on XX/XX/2019, but received no acknowledgement of receipt from Serve.  On XX/XX/2019, I received an email from Serve stating that they had completed their investigation and that " [ t ] he ATM provider confirmed the funds were dispensed for the amount requested. '' I contacted them the same day and requested the documents from the investigation, which consisted solely of a one page XXXX " Transaction Research '' screenshot with the transaction details ( attached ). I went to the XXXX branch where the ATM was located and inquired on XX/XX/2019, and was told they had no information and wouldn't have any information until the ATM 's transactions were reconciled at the end of the month. The representative took my information and said she'd pass it along to the relevant department for followup at such time. 

If the financial institution hasn't reconciled the transactions, I don't see how Serve can have reached any conclusion, nonetheless one that the funds were dispensed when clearly they were not. XXXX itself said they lacked transaction information, so Serve 's conclusion seems bizarre at best and malicious at worst.
Product: Credit reporting or other personal consumer reports

I am writing to ensure you have the most accurate information in my credit file at all times. I have highlighted the items below that are inaccurate and shall be removed from my credit report immediately. 
I am filling this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACTA Title 1 sec. 151. 1 have enclosed copies of my state issued identification and social security number to validate my identity. 
Regards,
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I had a closed credit card with Bank of America that I was making regular payments until I was affected by the COVID-19 virus. I had to suspend operations at two businesses while also recovering from the testing positive for the virus itself. BOA submitted to the credit bureaus that I missed multiple payments and refused to assist in getting this matter resolved. Now i'm forced to go to plead my case to each bureau. I'm a XXXX XXXX. My fianc is too and went back to work the front lines at the XXXX whilst XXXX XXXX XXXX Bank of America is an irresponsible and inhumane organize that lacks a moral compass.
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. I don't 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 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

On XX/XX/2023 CEDAR BUSINESS SERVICES added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and i am no longer responsible for the account. Debtor creditor did not verify this collection. Also there was no written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA CEDAR BUSINESS SERVICES has violated my rights as a consumer and i'm requesting legal action to remove this account immediately.
Product: Debt collection

On XX/XX/2023, I sent FAIR COLLECTIONS & OUTSOURCING the following correspondence via certified mail after they reported on XXXX and XXXX. 
Return receipt was received and signed on XX/XX/2023. I am not aware of this alleged debt and FAIR COLLECTIONS & OUTSOURCING must remove this insertion on my credit report and balance should be XXXX  out. 
RE : FRAUD/AGGRAVATED IDENTITY THEFT - FAIR COLLECTIONS & OUTSOURCING is in violation of 18 U.S.C. 894 for using my consumer report with extortionate means to coerce and swindle me into making payment on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you ( FAIR COLLECTIONS & OUTSOURCING ) furnishing this information to my consumer report and or file. I did not give you permission or authorization to have my personal identifying information, which you ( FAIR COLLECTIONS & OUTSOURCING ) have obtained by aggravated identity theft in accordance to 18 U.S.C. 1028A. I am aware that my Social Security number belongs to the Social Security Administration, and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C. 8 and being that you ( FAIR COLLECTIONS & OUTSOURCING ) is attempting to collect a debt from I, the consumer. This makes you ( FAIR COLLECTIONS & OUTSOURCING ) guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C. 3729-3733. This is a notice to immediately CEASE AND DESIST of all illegal activities, including reporting with constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by FAIR COLLECTIONS & OUTSOURCING into the Federal Trade Commission for aggravated identity fraud and theft. Failure to XXXX  out the balance within 15 days, will result in legal matters being taken and I will report to the Federal Trade Commission for aggravated fraud and identity theft. If this matter is not resolved and adhered to by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you ( FAIR COLLECTIONS & OUTSOURCING ) and this letter may be tendered as evidence of failure to comply.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I wire transferred through Wells Fargo bank to XXXX XXXX {$10000.00}, but this company did not receive the money then I ask the bank to find out why they didnt receive the money of 15 days when they didnt answer, I asked them refund my money but they did not refund until I did dispute and they told me they emailed the beneficiary bank XXXX and XXXX doesnt answer They close my case XX/XX/XXXX despite that gave me one month for answer. When I sent answer but they told me they close the case.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX XXXX i requested a reinvestigation in to the dispute results from a dispute about the XXXX XXXX  Acct XXXX. I stated that the account information was incorrect and inaccurate. On XX/XX/XXXX I recieved a response from equifax that they had completed the reinvestigation and that the account information was correct. Twice both Equifax and XXXX XXXX  have certified that the account information is accurate and correct. XXXX XXXX  reports the following : Date of last payment : XX/XX/XXXX Actual payment amount : {$0.00} XXXX -- -- Clearly inaccurate as you cant have a payment of {$0.00} Date of first delenquency : XX/XX/XXXX Account History with Status Codes XX/XX/XXXX 30 days past due XX/XX/XXXX 60 days past due XX/XX/XXXX 90 days past due XX/XX/XXXX 60 days past due XXXX -- - in order for the account to go from 90 days past due to 60 days past due a payment must have been made for the amount due in XX/XX/XXXX. This ayment is not reflected. CLEARLY THE REPORT IS INACCURATE AND INCORRECT and inaccordance with the FCRA must be deleted in its entirety. The problem here is that both XXXX XXXX  and EQUIFAX have both certified this clearly incorrecrt information as accurate TWICE. If EQUIFAX had done its job and looked at the report by XXXX they would have noticed the inaccurate information.
Product: Credit reporting or other personal consumer reports

Account # XXXX opened- XXXX credit XXXX $ I am writing to address certain concerns regarding the handling of my personal information as outlined under various provisions of the Fair Credit Reporting Act ( FCRA ) and related statutes. 

It is imperative to underscore the fundamental principles delineated within the Fair Credit Reporting Act ( 15 USC 1681 ), particularly in Section 602 ( a ), which emphasizes the need for consumer reporting agencies such as Equifax and XXXX to exercise fairness, impartiality, and respect for individuals ' privacy rights. As a consumer, I am entitled to safeguard my private information, as underscored by the provisions within 15 USC 6801.

Furthermore, in adherence to the policies articulated by the Congress in 15 USC 6802, financial institutions like XXXX XXXX are duty-bound to uphold the privacy and confidentiality of their customers ' nonpublic personal information. The law stipulates that any disclosure of such information to nonaffiliated third parties necessitates explicit consent from the consumer, in accordance with 15 USC 6802 ( b ) ( c ). 

Regrettably, I have not been duly informed by XXXX XXXX of my right to exercise my nondisclosure option, as mandated by 15 USC 6802. Moreover, the reporting of adverse information without my consent, as reiterated in 15 USC 1681C ( a ) ( 5 ), is a direct violation of my privacy rights and the statutes outlined within the FCRA.

Additionally, I draw attention to 15 U.S. Code 1681s2 ( A ) ( 1 ), which prohibits the furnishing of inaccurate information to consumer reporting agencies. Equifax and XXXX 's failure to maintain reasonable procedures, as mandated by 15 U.S. Code 1681e, further compounds these concerns.

Furthermore, pursuant to 12 CFR 1016.7, I hereby exercise my right to opt out of your reporting services with immediate effect. 

In conclusion, I expect full compliance with the provisions of the FCRA and related statutes regarding the handling and dissemination of my personal information. Your prompt attention to these matters is appreciated. 

Sincerely, XXXX XXXX
Product: Mortgage

Chase Home Finance LLC, as a mortgage broker, issued a mortgage loan ( loan # XXXX ) using my identity information in 2007. The last 4 digit of my social are XXXX. 

The loan addresses the broker to be as Chase Home Finance LLC, XXXX, XXXX XXXX XXXX, XXXX, GA, XXXX Please provide me the information of the loan that you may have had about the loan, since it's origination up until disposition as o today, so that I can assess and recover any kind of damage it may have caused. 
Thanks. 
XXXX
Product: Money transfer, virtual currency, or money service

IN 2018 WESTERN UNION ( VIA THEIR AGENTS IN OUR NEIGHBORHOOD XXXX, XXXX, ETC ) HAS BEEN COLLECTING INFORMATION AND GETTING COMPLETE FILES ON ME AND MY PARENTS AND DEMANDED MY SOCIAL SECURITY NUMBER TO RELEASE THE MONETARY GIFT MY PARENTS HAD CONTRACTE THEM TO DELIVER TO ME FOR OUR BIRTHDAYS AND XXXX. 
WHEN I DENIED TO RELEASE MY SSN AND INSTEAD I PRESENTED THEM WITH NOT ONE, BUT TWO VALID GOVERNMENT ISSUED PROOFS OF ID ( MY REAL ID DRIVERS LICENSE AND EVEN MY CHIP TECHNOLOGY US PASSPORT, BOTH VALID ) AFTER ENTERING ALL MY INFORMATION INTO THEIR SYSTEM, THEY STILL DENIED ME THE MONEY MY PARENTS HAD SENT US, AND THEIR AGENTS STILL INSISTED THAT ONLY BY GIVING THEM MY SSN THEY MIGHT BE ALLOWED BY THE WU SYSTEM TO RELEASE MY MONEY I AM CONVINCED THAT WESTERN UNION - A BANK WHICH I DID NOT CHOOSE TO OPEN AN ACCOUNT WITH -HAS USED THE FACT THAT MY PARENTS HAVE CONTRACTED THE MONEY TRANSFER SERVICE WITH THEM -TO FORCE ME TO GIVE THEM MY SOCIAL SECURITY NUMBER AND GATHER -UNDER FALSE PRETENSES- ALL THE OTHER PRIVATE INFORMATION ABOUT ME AND MY PARENTS.

IN EFFECT, WU, VIA THEIR AGENTS COLLECTED ALL MY INFORMATION AND MY PARENTS INFORMATION TO KEEP US AND IT HOSTAGE IN A HORRIBLE BAIT-AND SWITCH TACTIC WHICH - TO THIS DAY- HAS NOT BEEN RESOLVED. I BELIEVE THERE ARE MILLIONS OF PEOPLE WHO HAVE SUFFERED THE SAME FATE WHEN THEY ENTRUSTED WESTERN UNION WITH THEIR MONEY TRANSFERS AND WHO KNOWS WHO HAS BEEN MAKING A KILLING ON THE SOCIAL SECURITY NUMBERS THEY STOLE?
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX - XXXX XXXX XXXX 15 USC 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 account without my instructions
Product: Credit reporting or other personal consumer reports

I have not received a response from the credit furnisher from previous documents submitted
Product: Vehicle loan or lease

Privity of Contract. Businesses can only do business with other businesses, a business can not do business with a natural person. Natural person is the consumer : me, XXXX XXXX. MERCEDES BENZ FINANCIAL SERVICES has communicated that they are an indirect lender to the contract, verifying that they are a third party not privy or part of the contract, nor were they there at the signing of or listed on the contract. There is no privy of contract. They enforced a contract that they were not a part of using adverse action in the form of a repossession and disposition of my personal property. I have filed an identity theft report with the FTC. They are in coercion with MERCEDES BENZ XXXX XXXX 18USC 894, They, MERCEDES BENZ XXXX XXXX and MERCEDES BENZ FINANCIAL SERVICES have committed fraud pursuant 18 USC 1341. The contract itself paid for the automobile via 12CFR 360.6 ( 2 ) treatment of a financial asset. MERCEDES BENZ FINANCIAL SERVICES has caused damages to me and my family be violating my rights under color of law 18 USC 241, 242. MERCEDES BENZ FINANCIAL SERVICES has been acting in bad faith with misrepresentation of my credit and threats of repossession and credit subject to slander in the result of finding my self less creditworthy to financial institutions. This is done without being part of the contract, without expressed written consent to sell or pledge the contract to an open end credit account ready for deposits without full disclosure to me as a consumer. MERCEDES BENZ FINANCIAL SERVICES by acting in bad faith has lost any valid standing pertaining to this account. Equal consideration was not established between the two parties of the contract MERCEDES BENZ XXXX XXXX and myself agent of the principle. Enclosed with this complaint is a dishonored negotiable response stating their stance as a third party Subsequently assigned, which is coercive and deceptive because there is no disclosure of the subsequent assignment or valid written consent under oath or penalty of perjury of my accepted the subsequent assignment to MERCEDES BENZ FINANCIAL SERVICES. This is money Laundering18 USC 1956
Product: Money transfer, virtual currency, or money service

PayPal close my account for not reason and them will not help me with Getting it back up and going. Every time when I try to withdraw my money from my account PayPal hold my access. 

They just made all difficult for me. My account was already verified with all my personal information and I never made any mistake. 

I never had dispute or charge in my account. 

IF PayPal just hold money for everybody, I Guess PayPal must fix the problem. 
My email is XXXX I am waiting for more than 180 days. 

Please paypal i want get access to my money
Product: Mortgage

This complaint is in reference to the removal of PMI from my loan. The HPA states, and the CFPB Director has confirmed in a statement provided in 2015, that PMI must be removed upon written request from the mortgagor, assuming good payment history, current on payments, and value at or above original value, if the current principal balance reaches 80 % of the original loan value through normal amortization tables or actual payments, including additional payments made by the mortgagor. XXXX XXXX has stated, and the FHFA agreed that the cancellation provided under the HPA is not an obligation to them and they are free to demand that the loan to value ration equal 75 %. I have found no guidance on this issue and both the summaries from the Federal Reserve and the CFPB state that XXXX XXXX must remove PMI upon request when the loan to value reached 80 % ( assuming the previously stated guidelines are met ). The FHFA and XXXX XXXX have also stated that regardless of the CFPB 's decisions they do not have to follow them. I believe this to be false and would like assistance from the CFPB in navigating this issue. Thank you for your help, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : I C SYSTEM INC XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In XX/XX/2023, this credit from XXXX XXXX was removed from my credit report. ( Use the picture attached as a reference ). 

In XX/XX/2023, a collection was added to my credit report by Midland Credit Management notifying that the original creditor was XXXX XXXX. This verify that this company is reporting fraudulent inaccurate information on my credit report. 

I, XXXX XXXX, a consumer am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g. I request that you provide me verification of this alleged debt. Verification consists of a formal declaration in which you swear the truths of the statements of the facts of the matter, have first-hand knowledge and must be notarized. 

Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt which included reporting to my consumer report with XXXX, XXXX, AND XXXX. 

I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information to the consumer reporting agencies.
Product: Credit reporting

I logged on to XXXX and noticed that it said there are XXXX credit card accounts. XXXX is not mine. It is a XXXX XXXX XXXX card, opened XXXX XXXX, 2003 ( I would have been XXXX years old when this account opened ). It currently has over XXXX $ in debt and the address for this account is in XXXX XXXX, Texas. I 've never lived there.