23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX    XXXX    XXXX  USING THESE FRAUDSTER COMPANIES  XXXX   XXXX   XXXX ,  XXXX    XXXX     XXXX    XXXX   AND  XXXX  MORTGAGE  XXXX  TO SERVICE WHICH IS AN irs VIOLATION, STATING SERVICER, PLUS THERE WAS NO LOAN NOR MORTGAGE. HAVE NO CONTRACT WITH EITHER OF THESE FRAUDSTERS AND HAVE FIRED ALL OF THEM, SEE ATTACHMENTS   XXXX   XXXX   XXXX   XXXX  i : fired all these fraudsters : the forecloure trustee, the servicer, the attorneys and others, long ago, they are still trying to steal my home.   i : sen d Cease and Desist ord ers long ago, see how fake this is? CAL. CIV. CODE 2952  (   XXXX    XXXX   ).   After Recording Return To :  XXXX   XXXX   XXXX   XXXX   XXXX   [ Space  Above This Line For  Recording Data ]   XXXX  FICTITIOUS DEED OF TRUST Fictitious Deed of Trust recorded by  XXXX  on behalf of [ Name of Person ]  XXXX .    [  Name of Lending Institution Causing the Instrument To Be Recorded ] This title page is hereby incorporated into, and made a part of, the attached Deed of Trust, both of which together comprise the Fictitious Deed of Trust. This Fictitious Deed of Trust is being recorded pursuant to CAL. CIV. CODE 2 952 (   XXXX    XXXX   ).   These fictitious entities  XXXX   XXXX   XXXX ,  XXXX  and  XXXX   XXXX  and  XXXX   XXXX   XXXX , which based on ample evidence on records, have been laundering money, which based o n prima facie e vidence, includes laundering   XXXX   XXXX   monies, in collusion with attorneys and a pretending services pretending to be the Trustee for foreclosure purposes and acting u nder Color of law  which means in collusion with Officers of Law Corporate in Collusion with Fraudster Banks wi th fiat paper monie s and instruments.   These charlatans have been fired, do not have chain of title, do not have a contract with the real owner of the property and land that they are offering for sale both on the internet ( wire fraud ) and in person. They have committed and been involved in fraud, swindles, tricks and schemes.   This amounts to Robbery ashore as part of the pattern of racketeering activity by collection of an unlawful debt which engaged in, or the actives of which affect the interstate or foreign commerce.   They must divest themselves of the ill begotten property, belongings and financial gain they have derived from their fraud. The selling, conveying, monetizing, fraud, stealing, was done knowingly and willfully. The statements on the internet or printed material was materially false, fictitious, or fraudulent statement or entry. Whoever buys from these fictitious entities and receives, conceals, or retains the same with the intent to convert into his use or gain, knowing it to have been embezzled, stolen, purloined or converted-goes to jail, and so do them!, the attorneys, the officers and directors if  XXXX   XXXX   XXXX  and  XXXX   XXXX   XXXX .   Warrants a nd Bill have bee n issued already to  XXXX  enforcement of the highest of the land.   other info :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX     Calif. code 115 ( a )  10 years in prison.   These entities have been notified.   Remove the Auction demanded today.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX NA XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shopping for ( 2 ) vehicles. I was pre-approved by XXXX XXXX XXXX and XXXX XXXX. I had already selected my vehicles. When I went to the dealership to complete the deals and pick up the vehicles. The sales person and finance team toke it upon themselves to run my credit multiple times threw many financial institutions without my signed consent searching for a better deal that. I didn't ask them to do. I was satisfied with the companies that I chose. To submit my information over ( 40 ) times between the ( 3 ) credit buraus was abusive and excessive. I've contacted them several times via written communication and verbal phones calls only to get no satisfactory results. I've quoted all the Fair Credit act statutes that would pertain to my situation and they still refuse to remove theses items. Telling me there is no impact to my credit file it only counts as one point even though they were all done within one to two days apart. The impact is indeed affecting me credit score as well as credit character as a responsible consumer. I'm requesting that theses hard inquires be removed immediately.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I called Capital One regarding my Walmart credit card ending in XXXX. A representative XXXX  answered the call and enrolled me in a 90 day program for hardships. I asked more than once if my credit report could be affected specifically for 30 day derogatory reporting and he said several times no. He told me as long as my past due balance was paid within 90 days my account would be fine, return to current status with no negative credit reporting. I was extremely clear on my request and I asked several times. He even stated on that day that my account was 23 past due. I replied that the account was 29 days since the payment was due on the XXXX of XXXX to which he explained about statement dates and assured me the account was 23 days past due as of XX/XX/2023. Before I got off the phone with him I paid {$25.00} and he confirmed receipt of the payment. There was no amount given to me to enroll and he stated any amount was fine. Today my credit reports are reflecting 30 day derogatory marks. I would like these derogatory marks to be removed and the call with that CaptialOne employee to be pulled to listen to what I am staying as facts. I did call today and ask for a XXXX rep who submitted a claim on my behalf. 
I know my account is past due but I have always made my payment before the deadline and I only inquired about the hardship program because I received a notification on the CapitalOne app. Please note that none of my statements reflect a past due amount, only a minimum amount due so I have to either call to get that amount or reference past payments. In addition since the rep told me I had to make the minimum with 90 days, I even made an additional {$50.00} payment on XXXX XXXX XXXX. I would like this corrected please as I did exactly what the contracted rep stated.
Product: Debt collection

On    XXXX   XXXX     2017   I  called Convergent Outsourcing and spoke to  XXXX   XXXX  ext  XXXX .. I explained to him that I a collection account on my credit report and need explaination of the debt due to me trying to buy a house I was needed to resolve this. He told me of the sum of {$730.00} and offered me a settlement of  XXXX .. I explained to him that I would like for some documentation showing the debt and where the charges came from because I was unaware.. he explained to me that he would send me documentation to verify the debt in the mail. I gave him my mailing address and said that I would be in contact with him after receiving the documentation. I gave it more than 45 days to receive and never receive anything. I then proceeded to dispute this with the credit bureau because I do believe that this is unjust and after I disputed this with the credit bureau I received a letter from Convergent stating " Based on the information you provided us for your credit reporting dispute we have completed our investigation and reported back to the credit report agency '' ( letter attached ). VERY vague letter and not at all resolving the issue. First and foremost this debt was NEVER verified as a debt of mine. Second of all  XXXX   XXXX   (  rep for  Convergent   )  did NOT follow protocol in sending information to myself the consumer with the information regarding the charges and balance. And also, there was NOT information given to the credit bureau except that it belongs to me and that is untrue. Fair Credit Reporting Act states that if ask the creditor or collect agency has to give documentation or proof of debt if ask by the consumer. It is unlawful for  Convergent  to demand payment on a account that the y have YET to p roof any information to me. I 've been a victim of identity theft and I 'm all to familiar of how this goes. I need this resolved as soon as possible in order to continue the process of purchasing a home for my family. I 'm requesting th at Convergent  send ALL documentation verifying the debt from the original creditor and in the event that it is invalid that the account is closed and deleted from my credit report from all agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting inaccurate information on my consumer report. I filed an Identity theft report ( ftc report # XXXX ) and they're still reporting information that I did not give my consent to.TransUnion has never responded to the method of verification letter received by TransUnion on XXXX XXXX by Certified Mail Tracking # XXXXXXXX XXXX XXXXXXXX XXXX XXXX, and is in violation of the Gramm-Leach-Bliley act, The FCRA permissible purpose statute in question states : " Any consumer reporting agency may furnish a consumer report... to a person which it has reason to believe intends to use the information ( 1 ) in connection with a credit transaction involving the consumer on whom the information is to be furnished and ( 2 ) involving the ( a ) extension of credit to or ( b ) review or collection of an account of the consumer. '' I DID NOT DO BUSINESS WITH OR GIVE MY PERMISSION TO THE FURNISHERS OF THE ACCOUNTS IN DISPUTE. SEE ATTACHMENTS.
Product: Debt collection

XXXX removed this collection company off of my credit file. I have submitted investigation report to TransUnion and to XXXX showing the removal of this item from my XXXX report. XXXX XXXX is not the debt collector for this alleged account. The reason for removal is that XXXX XXXX XXXX did not have to legal authority from the original creditor to place this inaccurate information on my credit file. That is why XXXX removed this account. I have ask and sent supporting documentation to XXXX and TransUnion showing the collection has been removed. They both have sent back in less then 24 hours that the information has been verified through their quick investigation. I'm requesting Names, Written Contract and is the companies registered to collect a debt in the state of Maryland that has reached it's statue of limitation.
Product: Money transfer, virtual currency, or money service

I opened my venmo account on XX/XX/2023. The account was suddenly frozen on XX/XX/2023. I submitted the requested documents to have account unfrozen which was completed on XX/XX/2023. I then had a direct deposit come to my account in my name for {$1200.00} from my school at XXXX am on XX/XX/2023. On that same day XX/XX/2023 I attempted to transfer funds as authorized by the Venmo policy to a friend 's account but wasn't able to do so because my account had been refrozen for no apparent reason. So I called in and was told by a representative that the system flagged my account so they created a case number for me to have my account unfrozen and assured me that I've done nothing wrong ( I have the email from them to prove that statement ) I then received an email on XX/XX/2023 requesting me to upload another copy of my Identification to have my account unfrozen XXXX XXXX. I submitted a copy of the front and back of my driver 's license that same day XX/XX/2023 at XXXX and I received a notification saying submission successful. At XXXX XXXX I received an email from an account specialist by the name of XXXX XXXX. 
Account Specialist | Venmo saying my account was now permanently deactivated and that my funds would be turned over to the Loss prevention department for 180 days and that they'll contact then if the funds were going to be returned to me. So I email that same specialist and asked why was my funds being held, I also asked could the funds be returned to my school since they seem to have an issue with my identity information. That same specialist responded saying that it's no gaunrentee that my funds will be released back to me. My issue is that I haven't committed any form of fraudulent activities. If they would have asked me to submit proof of the funds I received as a direct deposit from my school them I would have but they only asked for my Identification which I submitted and they still restricted my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX SAID THAT I OWE THEM XXXX DOLLARS FOR RENT THAT IS NO WAY POSSIBLE THEY STOP TAKING MY PAYMENTS AND WOULD NOT TAKE THE LADY THAT I DEALT WITH I DONT REMEBER HER NAME, BUT THEY DID ME WRONG, AND THIS IS NOT THE RIGHT PRICE AND NBEED TO BE DELETED IMMEDIATELY BECAUSE THEY WOULD have BEEN DONE PUT ME OUT WAY BEFORE THIS BECAME THIS AMOUNT
Product: Credit reporting, credit repair services, or other personal consumer reports

I have uploaded letters from a account that was paid in full that was put on my credit and they refuse to update it and take it off since it is paid in full.
Product: Mortgage

My previous mortgage servicer was XXXX XXXX. On XX/XX/XXXX I paid for and received a valuation report ( appraisal ) to get the value of my house so that I can remove the PMI. I submitted the request to remove the PMI from XXXX XXXX and on XX/XX/XXXX, XXXX XXXX sent me a letter stating that my PMI amount of {$120.00} was removed. I made a payment in XX/XX/XXXX without the PMI with XXXX XXXX. In XX/XX/XXXX, my mortgage was transferred to Newrez and they continued to bill me for the PMI amount. I requested that they remove it because I had it previously removed and they asked for me to pay for another valuation report so that I could get it removed. After several discussion with different Newrez representatives, they asked me for documentation about the PMI removal from XXXX XXXX. 

In XX/XX/XXXX, I submitted the documentation to have the PMI removed and to REFUND me all the PMI amounts that I had paid into that I should not have been billed for. I called again in XX/XX/XXXX to get the status only to find out that no one had done anything with my request. After an hour of complaining and being transferred to 5 different personnel, I spoke to someone at their PMI department and they said they were working to address my issue. On XX/XX/XXXX I received a letter from Newrez stating that due to the complexity of the issue, they need to review it some more. 

On XX/XX/XXXX, I called Newrez again to get a status of the issue and they could not anwer my question as to the status. They could not get in touch with the PMI group because they said it does not exist. This is very frustrating. 

I'm not sure what the issue is because I provided all the documentation that shows that it was removed from the previous servicer. In addition, since XX/XX/XXXX, they owe me, to date and counting, {$2200.00}. 

I would like to request assistance in getting a response from Newrez on not just a status update, but to get some action on them actually removing the PMI from my payment and the REFUND. This has been going on for over a year and they seem to not want to assist me. Please let me know if you need to see any of the documentation. 

Thank you XXXX XXXX
Product: Debt collection

I sent many letters on XX/XX/2023 and XX/XX/2023 demanding proof of this debt. Ability Recovery Services obtained this debt from XXXX XXXX XXXX, XXXX. 

They did not respond to my request until XX/XX/XXXX when I filed my first complaint. 

XXXX has now suspended the debt and DEMANDED XXXX remove it from my credit report. The debt is still on my credit and MUST BE REMOVED per the debt owners demands and illegal activity.
Product: Debt collection

DEBT COLLECTOR : APEX ASSET MANAGEMENT XXXX XXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX AMOUNT : {$290.00} XX/XX/XXXX I FILED A DISPUTE FOR THIS DEBT. I EXPLAINED TO THE DEBT COLLECTOR THAT THIS WAS NOT MY ACCOUNT AND I DID NOT OWE THIS DEBT. I SENT A LETTER ALERTING THE DEBT COLLECTOR THAT TO PRODUCE DOCUMENTATION THAT STATES THIS DEBT IS MY DEBT. I CALLED TO FIND OUT THE STATUS OF THIS ACCOUNT SINCE I FAXED THE DEBT COLLECTOR PROOF THAT I DID NOT OWE THIS ACCOUNT. AFTER SPEAKING TO THE DEBT COLLECTOR I WAS INFORMED THAT THE DEBT WAS FOR XXXX XXXX XXXX. I HAD A XXXX XXXX ACCOUNT FROM XX/XX/XXXX-XX/XX/XXXX. I SENT IN PROOF THAT I HAD MOVED IN XX/XX/XXXX TO A LOCATION AN HOUR AWAY FROM THAT SERVICE ADDRESS, WITH A COPY OF MY LEASE FOR MY CURRENT ADDRESS DATED XX/XX/XXXX, AND PROOF OF NEW CABLE SERVICE THAT WAS INSTALLED AT MY NEW RESIDENCE ON XX/XX/XXXX. I CALLED XXXX XXXX XXXX TO NOTIFY THEM THAT I WAS MOVING ON XX/XX/XXXX AND ASKED THEM TO STOP SERVICE AND THEY SAID THEY WOULD AND THAT THEY WILL PICK UP THEIR EQUIPMENT. I DID NOT HEAR FROM THIS CABLE COMPANY AGAIN. I PROVIDED DOCUMENTATION TO THIS DEBT COLLECTOR THAT PROVED I LIVED AT MY CURRENT RESIDENT SINCE XX/XX/XXXX AND HAD XXXX XXXX XXXX XXXX. THE DEBT COLLECTOR STATED THAT XXXX XXXX XXXX HAS MY ACCOUNT WITH THEM CLOSED ON XX/XX/XXXX. I INFORMED THE DEBT COLLECTOR I DID NOT USE XXXX XXXX XXXX SERVICE AFTER XX/XX/XXXX AND THAT THE AMOUNT THEY ARE ATTEMPTING TO COLLECT IS NOT MINE. XXXX XXXX XXXX COULD NOT FURNISH PROOF THAT I WAS LIVING AND USING THEIR SERVICES AFTER XX/XX/XXXX AND THE DEBT COLLECTOR SAID THEY WILL CONTINUE TO ATTEMPT TO COLLECT THIS DEBT, EVEN THOUGH I SENT VALID PROOF THAT I COULD NOT HAVE BEEN USING XXXX XXXX XXXX WITH DATES. THIS IS UNFAIR TO ME BECAUSE I SQUARED OFF MY ACCOUNT WITH XXXX XXXX XXXX SINCE XX/XX/XXXX. THEY SHOULD NOT HAVE CONTINUE SERVICE AT MY PREVIOUS ADDRESS AND THEN HOLD ME ACCOUNTABLE FOR THIS BALANCE. THIS IS RUINING MY CREDIT AND IS SIMPLY JUST UNFAIR.
Product: Credit card

I had a Cash Rewards credit card from Bank of America since XX/XX/XXXX. They closed it without any reason in XX/XX/XXXX. I contacted them several time by phone and even went to their branch to know why they did that. 
They just sent me a letter stated that we are n't able to reopen your account. 
This credit card is my major and XXXX credit card. So, while they closed my account, the " age of credit history '' is very poor now. 
This will make problem for me in future to apply for any kind of loan. 
Please help me to reopen my credit account. 
Thanks,
Product: Credit reporting

XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Dispute Department XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 

I recently submitted a request for investigation of an Acct Number : XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX PUBLIC RECORD XXXX XXXX XXXX XXXX Docket # : XXXX IQUIRE THAT I DID NOT AUTORIZE XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX BANKING I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, Equifax et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

After checking my most current credit report the updated information stated this account was still being reported. This account can not be reported as a charge off on my credit report. Please cease the reporting and delete this account. LVNV FUNDING LLC account # : XXXX. 
According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. 
This account is being reported open, and the date of last activity was XX/XX/year>. Also the date of last reporting XX/XX/year>, and it's CHARGED OFF. This is illegal. Please delete this account.
Product: Prepaid card

I have had two charges go through successfully on this AMEX gift card, however, no charge has been accepted since then even though there is a large credit balance. On XX/XX/XXXX I called AMEX to see why charges always fail to authorize and they said that I should just try a different online retailer. I tried XXXX different online retailers, each time entering the card #, exp date, and CVV code correctly, and the charge was denied every time. I then called AMEX back and they advised me that the charges may have been flagged for suspicious activity and they would have the flags removed in 24 hours. I then waited 24 hours and attempted to use the card again and it still will not work. XXXX I called AMEX again, and after navigating the ridiculous phone bank of computer generated advice, I got someone in XXXX  who i could barely understand and when I said I would like for them to send me a check for the balance that is unspent on this gift card, they said they could not do that and that the only option was to be issued another card with the balance of credit on it. I said that would not work for me as I would most likely experience the same issue. I feel that these cards are designed to not work and that the company is skimming this money.
Product: Credit reporting, credit repair services, or other personal consumer reports

The list of inquiries is unknown and erroneous. The inquiries were pulled without my knowledge. Please be noted that I have sent out letters prior to this complaint to Experian and to the companies for them to investigate. However, there was no response from either of the parties and this is terribly causing my credit. Have these following accounts removed accordingly.