23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

A few weeks ago, I started to receive letters from Credit Corps Solutions XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX claiming that I owe them {$290.00}. According to their correspondence, on XX/XX/XXXX this debt was assigned to them.The original creditor was XXXX XXXX and according to them I had a XXXX that was applied for and immediately a purchase of {$140.00} was charged on it at XXXX on XX/XX/XXXX,  on the same day and at the same time. 
The first week of XXXX, was the first time I ever heard of this situation. Not once did I receive any statements for a XXXX XXXX XXXX charge with XXXX XXXX. Additionally I never received an actual, physical credit XXXX XXXX XXXX. 
On XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX Credit Corps tried to contact me by phone, sometimes several times a day. I did not pick up at first because I thought it was a scam since they used local phone numbers, they also used a different phone number every time they called. 
On XX/XX/XXXX, I received 10 attachments via email : invoices I had never seen before. 
I requested a receipt for what was purchased, which I never received. 
I contacted XXXX XXXX on Friday XX/XX/XXXX in an attempt to clarify the situation.I was referred to XXXX XXXX and was given a XXXX XXXX XXXX XXXX XXXX to send requests to get my so-called application of XX/XX/XXXX. I also contacted Credit Corps today, XX/XX/XXXX in order to clarify the situation, I spoke to XXXX. If this debt were valid, I would have paid it the moment I got the first statement in the mail in the month following the purchase. I just received documents from Credit Corps today including an affidavit of fraud form, since this was recommended by the customer service agent of XXXX XXXX   when I talked to them last Friday. It also includes terms and conditions of said credit card. On these it states '' We will not charge you any interest on purchases if you pay your entire balance by the due date of each month. '' " Each account holder will receive a card. '' Like I stated earlier, I didn't receive any statements at all, nor a card. 
Please note, if I were sent a statement, I would have paid the amount in full, immediately. I am not out of integrity here.
Product: Credit card

They put it on but now I checked and it is gone they have stolen my money and payment I want something done about this. 

This is Capitol One
Product: Debt collection

Apparently I owed Kohls {$3.00}. 
I had no idea I owed this money. I was never given anything that I knew of letting me know this {$3.00} debt was owed. This hit my credit report terribly and i wasn't even aware. 
I am trying to purchase a home and this {$3.00} late for all these 30, 60 and 90 day lates has ruined my credit ... over XXXX dollars. 
I can't believe I am finding this out this way. This is incredibly frustrating. 
The debt has since been paid ... all {$3.00} that was owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to fully understand why two disputes that I won that were removed but I was negatively, causing me credit issues for home loan, etc..... 
I went from a XXXX to XXXX on XXXX XXXX, XXXX, and Transunion had no score before these two disputes then put me at a XXXX on their grand grading scale? 
I would like to know how are these credit agencies that are private corporations are able to obtain so much of our data, personal info, etc... what or who gave them this authority and I would like this FOIA request that they show what laws gives them the authority they have to discriminate against within this credit system that they have direct impact over the lives of so many people? There is no money and this system of credit I believe has been created by the same banking cartel that has stole from the people " full faith and credit ''? 
The entire system is fraudulent and this crooked system has profited in astronomical revenues that I can say that they are involved in fleecing from the Birth Certificate of Title Bonds that are the primary bonds that the Corporate United States Company had has used our signatures that are valuable has gold and they are creating lines of credit and not paying taxes on these Breaches of the Estate that are Trust Fraud.

IT IS ILLEGAL FOR THEM TO PUT ANYTHING ON MY REPORT WITHOUT MY EXPRESSED WRITTEN CONSTENT 15 USC-1681b ( 2 ) ...... THEY ALL HAVE VIOLATED FEDERAL LAW BUT ALSO 42 USC-1983 DEPRIVATION OF RIGHTS, IT IS ILLEGAL TO REPORT NEGATIVE ITEM. I HAVE BEEN DEFAMED AND ILLEGAL DEBT PRACTICE THAT THE CREDIT BUREAUS ARE VIOLATING CONSUMER PROTECTION ACT/FAIR CREDIT REPORTING ACT/15 USC-1681a ( e ) and are VIOLATING FAIR CREDIT REPORTING RULES... .. 15 USC 1692d this has harmed my reputation which is credit report. This is harassment or abuse ... ... ... ..they all have ignored my request and have no investigation into my request, My written consent has never been given to any of these credit bureaus this is Identity Theft 15 USC-1028a
Product: Credit card

Got a call from Chase Credit Card regarding an application for a credit card on XXXX. Was told that an XXXX XXXX had all of our information and was requesting a credit card amount of {$5000.00}. This person, XXXX XXXX lived on XXXX XXXX, XXXX, Florida XXXX. Phone number, I think, XXXX - may be disconnected. 
The person from Chase Credit Card said that XXXX XXXX XXXX had had a breach and lots of people had their info taken. Any way Chase Credit Card gave me a cancellation # XXXX for this. He advised me to go the CFPB and file a complaint and ask that this XXXX XXXX be put on the XXXX list. I do not want any of my/our information shared with anyone. 
Chase alerted me to this breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent multiple letters and called to dispute incorrect accounts and information on my credit report. Every response comes back as the account has been updated.
Product: Credit reporting or other personal consumer reports

Pursuant to FCRA, Transunion credit bureau must furnish true and accurate information reported on the consumer. Transunion is required to obtain the original contract with the consumer 's wet signature to furnish a report on the consumer. XXXX XXXX XXXX has been reporting delinquent account information on to my credit report to harm my reputation and credit worthiness. I have never had any relationship with XXXX XXXX XXXX. I have disputed this account with Transunion more than once and Transunion has refused to validate the debt. Subsequently, the incorrect account has remained on my credit report. 

XXXX XXXX XXXX has sent written documentation confirming that an unlawful purchase in violation of the Privacy Act of 1974 took place of my personal identifiable information. XXXX XXXX XXXX is a third party, not a party affiliated with any agreement with XXXX XXXX, who is engaging in unlawful debt collection practices to harass consumers in to making payments towards fraudulent contracts. 

XXXX XXXX XXXX has provided documentation stating that the collection attempts are for a contract XXXX XXXX XXXX is not a party to. Failure to provide a written contract between XXXX XXXX XXXX and XXXX XXXX make the fraudulent relationship void ab initio. 

XXXX XXXX XXXX has kept record of my personal identifiable information without my consent. 

XXXX XXXX XXXX has made an unlawful purchase of my personal identifiable information with XXXXXXXX XXXX to engage in unfair and abusive debt collection practices. 

XXXX XXXX XXXX has furnished false reports to at least 3 credit bureaus, including Transunion, XXXX, and XXXX, to harm the reputation of consumer XXXX XXXX without lawful proof of any debt obligation. 

All bureaus have willfully neglected their federal obligation to validate each debt before furnishing a report on the consumer.
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Mortgage

PennyMac has continued to misapply my monthly mortgage payment despite explicit instructions on how to allocate the monies. More recently they paid {$1500.00} to XXXX XXXX XXXX for my homeowner 's insurance. The premium is {$1400.00}. PennyMac 's negligence has resulted in an over payment of {$74.00}.
Product: Checking or savings account

I filed a previous dispute about this. I received a letter from Citibank dated XXXX XXXX XXXX saying that another check had been sent and to allow 7-10 business days to receive it. As of XX/XX/year>, I still have not received it. The address is correct. 

I called the Centralized Dispute Unit per the instructions in the letter and it will not recognize any of my information, so I can not speak to anyone. 

It has not been over 4 months and Citi will not send me a check for my closed account.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX XXXX, am writing on my own as a natural person and consumer who is a victim of identity theft, I am requesting the immediate removal of the following items from my consumer credit report in accordance with 15 U.S. Code 1681c-2. This statute requires that any information identified by the consumer as resulting from identity theft must be blocked from the consumer 's credit report within 4 business days of receipt of my request. It has been over 30 days since my initial request, and you are in violation of this law. 
This dispute is not being made in error, nor is it based on any misrepresentation of fact on my part. The information I am disputing is fraudulent, and the entities that reported these items DO NOT have lawful authority to do so. According to the law, these companies are required to have tax documents or other forms of written consent to charge off or report these items under my name. I did not provide such consent, and as such, these items are in violation of my privacy rights. 
Under 15 U.S. Code 1681b, consumer reporting agencies may only furnish a consumer report in accordance with the written instructions of the consumer. I NEVER provided any written consent for any consumer reporting agency to report the information listed below on my behalf, and their failure to adhere to this law constitutes a clear violation of my rights as a federally protected consumer.

Please delete the following items from my credit report immediately Addresses Collections Names Hard Inquiries These accounts should not appear on my consumer report, as they are the result of identity theft. Please ensure these fraudulent accounts are removed as required under the law. The companies reporting these items have failed to provide proof of my consent or authorization, which makes their actions unlawful. 
I respectfully demand that you take the necessary steps to delete these accounts from my credit report and send me written confirmation that these items have been removed. This request is made under the rights provided to me by the Fair Credit Reporting Act and related laws. 
Thank you for your immediate attention to this matter. I look forward to your timely response.
Product: Debt collection

By now Modern Adjustmen Bureau has been served with a small claims case XXXX. All records will be produced on court date. I have attached for the CFPB to review the documents that were served. If you wish to discuss settlement, please consider this an open invitation. 

There is also a pending civil case for vioaltions under FCRA with cc : XXXX XXXX XXXX XXXX, Consumer Protection Attorney XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX I wish to settle both right now for {$1000.00} plus trade line deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT I HAVE AND DID NOT RECIEVE ANY GOODS OR ATTEMPT TO OBTAIN ANY GOODS FROM THIS COMPANY. 

THE ACCOUNT WAS FNB OMAHA IT IS REPORTING ON MY CREDIT REPORT TWICE AS REPORTED LOS/STOLEN I HAVE NOT DID ANY BUSINESS WITH THIS INSTITUTION OPEN XX/XX/2022 BALANCE REPORTING {$5700.00}
Product: Mortgage

Citimortgage approved me for a re financing of our home. They instructed us to make 3 payments at the new lower payment which we did. They also said soon you will receive a package with instructions on how to proceed. When it did n't come I spent entire days, many hours trying to get answers and was often hung up on. Eventually I started taking notes of who I spoke with, the date and time. Eventually a representative instructed me until further notice to stop making any payments so I did against my better judgment. I assumed that because they advised this they acknowledged how messed up their own system was. I eventually found myself in default on my mortgage and nothing but run around tactics from Citimortgage per usual. I hired a lawyer that showed me multiple areas they conducted illegal actions against me and assured me I could not lose my home.I was stressed all the time and wound up developing a XXXX XXXX! I wound up having XXXX and woke up XXXX. Fighting for my life was now my priority. I ended up losing my home and am furious that Citimortgage and their false instruction put me in this situation. I want them to be held responsible for their lies. It caused my family their home! I did n't know about being able to complain or where until now.
Product: Credit reporting, credit repair services, or other personal consumer reports

After XXXX was Hacked and all consumer information was stolen, I placed a Freeze on my Credit Report to protect my confidential information. I am trying to apply for a new Credit Card which requirers XXXX XXXX to review my credit reports. XXXX has lifted the Freeze - XXXX and TransUnion are being difficult to deal with ... requesting enormous amounts of confidential information and requesting a fee to lift the Freeze. 

They are all being arrogant, unhelpful, and looking to make more money from a problem they created by allowing consumer information to be hacked.
Product: Mortgage

In XX/XX/XXXX, I filed a Chapter XXXX Bankruptcy for credit card debt relief which was discharged in XX/XX/XXXX. At the time of filing I had a Visa credit card, first mortgage and second mortgage with Bank of America. I qualified to keep my home and continue paying off the mortgage, so the only account listed on the bankruptcy was the Visa. Shortly after the discharge, my second mortgage was sold and BOA no longer services that loan. However, I regularly check my credit report and saw that BOA was no longer reporting payment made toward my first mortgage to the credit bureaus, and my credit report shows both accounts as closed. I filed a dispute with XXXX XXXX about the first mortgage, but I was unsuccessful. I then contacted BOA by phone and was told I would need to submit a dispute in writing which I did some time in XX/XX/XXXX. I just received a notice from BOA dated XX/XX/XXXX. It states : " We received your inquiry to adjust information previously reported to the consumer reporting agency for the above referenced account. We've completed our investigation and have confirmed : This account is being reported as a discharged bankruptcy ''. This information is 100 % wrong, it was NOT listed on the bankruptcy and I have never missed a payment toward this mortgage OR my second mortgage. At this point I feel helpless, all I want is for them to report the payments I've been making so I can rebuild my credit. Why is this so difficult?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX will not Remove my an account with adverse information. 
I have a collection that is only on my XXXX XXXX credit report from Amerifinacial Solutions, XXXX XXXX XXXX XXXX, MD XXXX. They state that I owe {$210.00}. I the consumer never gave written permission for this to be on my consumer report. Also XXXX XXXX states that " for any account that contains medical information, the information following 'Medical- ' is not displayed to anyone but you except where permitted by law. ". On my my report for Amerifinacial Solutions it states that this is originally from XXXX XXXX XXXX XXXX which clearly is medical. Anyone can see that this is XXXX. nowhere in my report is it stated that this is 'Medical- '. 
Also XXXX XXXX told me, the consumer that I must take this up with Amerifinacial Solutions, a company that i have never contracted with.
Product: Credit reporting or other personal consumer reports

I would like to file a complaint against TransUnion regarding their refusal to remove fraudulent accounts from my credit report despite the submission of sufficient documentation. 

On XX/XX/year>, I filed an initial complaint with the CFPB concerning the fraudulent accounts on my TransUnion credit report. Despite this, TransUnion has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ), specifically Section 605B, which mandates the blocking of information resulting from identity theft.

Despite providing appropriate documentation, including an FTC Identity Theft Report and a Police Report, TransUnion has refused to accept my claim of identity theft. According to Section 605B of the FCRA, a consumer reporting agency is required to block the reporting of information identified as resulting from identity theft within four business days after receiving : Appropriate proof of the identity of the consumer ; A copy of an identity theft report ; Identification of the fraudulent information by the consumer ; and A statement by the consumer that the information does not relate to any transaction by the consumer. 

I am requesting TransUnion to comply with the FCRA and remove the fraudulent accounts from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE FOR REQUEST OF CONFIRMATION ( XXXX ) OF TERM XXXX AND CONDITIONS OF AGREEMENT And ADEQUATE ASSURANCE OF DUE PERFORMANCE THAT XXXX XXXX DID NOT BREACH AGREEMENT From : I, hereinafter " Borrower '' To : XXXX XXXX, hereinafter " Alleged Lender '' Notice to the Principal is Notice to the Agent. Notice to the Agent is Notice to the Principal.

I, Borrower, hereby give notice to Alleged Lender for a request of confirmation of terms and conditions of the agreement and adequate assurance of due performance that Alleged Lender did not breach the agreement.

Alleged Lender agreed to the following general terms and conditions of the credit card alleged agreement : 1 ) Alleged Lender must use their money or credit as adequate consideration to purchase the agreement from Borrower to repay the loan.

2 ) Alleged Lender involved in the alleged loan did not accept anything of value from Borrower that would be used to fund a check or similar instrument in approximately the amount of the alleged loan.

3 ) Alleged Lender must follow generally accepted accounting principles as required by CPA audit opinions.

4 ) The intent of the agreement is that the party who funded the loan is to be repaid the money.

5 ) All material facts are to be disclosed in the written agreement.

6 ) The cardholder must repay the loan in the same specie of money or credit or thing of value the financial institution involved in the loan used to fund the loan check or similar instrument, thus ending all interest and liens.

7 ) The loan transaction does not create the economics similar to stealing, counterfeiting and swindling.

The agreement that I entered into has the above seven elements in it.

According to the bookkeeping entries, Alleged Lender breached all seven basic elements of the alleged agreement and then Alleged Lender concealed material facts of the alleged agreement. I am demanding adequate assurance of due performance that the above seven elements are part of the alleged loan agreement or I demand that Alleged Lender return a zero loan balance. The proof that Alleged Lender breached the agreement is that both your assets and liabilities increased, proving that Alleged Lender recorded a loan from Borrower to Alleged Lender and then returned the loaned money from Alleged Lender back to Borrower, falsely claiming the money returned to Borrower is a loan from Alleged Lender to Borrower. Alleged Lender did the opposite of what was advertised and agreed to and then concealed the fact that Alleged Lender accepted money or credit or thing of value from Borrower that funded a check or similar instrument in the amount of the alleged loan.

This notice will remain as fact of the elements of the alleged agreement and the breach of Alleged Lender unless Alleged Lender disputes this notice within 10 days. According to 15 USC 1602 only a natural person can extend credit. Banks do not extend credit. " Credit Card '' is defined as a license plate, ID, or social security card account number to extend credit. 

Signed, Authorized Representative XXXX https : XXXX
Product: Credit reporting

Every year I request my credit report from Experian and I never receive it unless I 'm willing to upload my personal information since they already have my name, birth date and social security number and I was permitted/ verified to log on to the system but once I 'm logged on I 'm told I need to upload my information again. I am entitled to a free report every year from them and it never happens. The other XXXX reporting agencies have sent me one but not Experian. I have reported this issue to you before this is real problem. I have a credit freeze for all credit reporting agencies. I do not want to buy my score or monitoring of my credit from Experian. My report from Experian is supposed to be free yearly. All I want this credit reporting agency to do is honor my yearly request that not too much to ask.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing in regards to the following information that appears on my consumer report : Account Number or other information to identify account : Account Name : XXXX XXXX Account # XXXX Date Opened XX/XX/2018 Balance {$650.00} CONTACT INFORMATION XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Explanation of item being disputed : I entered into the cellular service agreement in XX/XX/2018, I was advised to not incur new debt, and returned the device XX/XX/2018. 

The XXXX Service Agreement indicates the following policy : I acknowledge that I was provided an opportunity to review my completed Installment Loan Agreement ( ILA ), including 24 monthly payments and my right to cancel within 14 days. 

I returned the device within the 14 day window ( 7 days from purchase ), and therefore ended the service contract. See attached 1 ) service agreement indicating the policy above, 2 ) bank statement indicating my credit from XXXX XXXX, 3 ) and return receipt from XXXX XXXX. I do not owe the amount and would like the entry removed from my credit reports and no further collection action to occur by XXXX or Convergent Outsourcing. When I contacted XXXX, they've written it off to Convergent Outsourcing ; I have provided them the same information and disputed this with XXXX and XXXX. I am attempting to rebuild my credit after a bankruptcy, but when I called I was just told " this isn't in my bankruptcy. '' I made it clear I was not saying it was. The phone was returned within the return period outlined on the contract. The have continued collection efforts.