23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

On XX/XX/2023 I initiated a consumer credit transaction with my SSN also referenced by congress as a credit card, pursuant 15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' The purpose of this consumer credit transaction was to obtain auto financing, I was denied access to my open ended credit. As a consumer, natural person, and original creditor I have an open-ended credit plan, it is unlawful to deny me of my own credit. I am requesting that your department reassess my consumer credit transaction/application and approve my application as a denial is unlawful, goes against congressional law and makes your organization civilly liable for non-compliance pursuant 15 USC 1681o , 15 USC 1640 , 15 USC 1691e .

Pursuant 12 USC 1431 Powers and Duties of Banks and Credit Unions have power to borrow money, issue bonds and debentures, therefore you are unable to lend a consumer, natural person, and original creditor anything. 
I, XXXX : XXXX am the beneficiary in this transaction. Capital One, are Trustees with fiduciary obligation. I did not benefit from this transaction as my SSN was given and ran by Capital One Auto. Also XXXX XXXX is telling me you guys are requiring a {$10000.00} - {$24000.00} down payment which goes against 15 USC 1605 The finance charge does not include charges of a type payable in a comparable cash transaction
Product: Debt collection

There are three debt collection company that I am paying and paid in full. 
1. I contacted Vance and Hoffman with 30 day to setup payment before 30 days notice. Please remove from my credit reports. 

Debt collection - paid in full from XXXX XXXX I contacted to make payment arrangements before going to debt collection. I should have not been reported to the bureau 's. This should not be a charge off. 

XXXX  XXXX : I paid over the amount requested to XXXX  XXXX and debt collection. This is not a charge off. Please remove from credit report because of inaccurate information being reported.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX Balance : {$9100.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX Balance : {$9100.00} XXXXXXXX XXXX XXXX Balance : {$9100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$22000.00}
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX Date of Birth : Date of Birth : XX/XX/1994 Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several items that are currently on my credit report. After reviewing my report, I have identified several negative items that are inaccurate and should be removed immediately. The following is a list of these items : XXXX XXXXXXXX XXXX Account Number : XXXX I am confused as to why this account shows a payment history when it was charged off. Please delete this account from my credit report as soon as possible. 

XXXX  XXXX XXXX Account Number XXXX XXXX This account also shows a payment history when it was charged off. Please remove this account from my credit report immediately. 

U S DEPT OF EDXXXX Account Number : XXXX I have never had any business relationship with this company, so there is no way this account belongs to me. Please delete this account from my credit report right away. 

The following personal information is incorrect : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX This address is not correct. Please remove it from my credit report immediately. 

The following personal information is incorrect : Account Number : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX This address is also not correct. Please remove it from my credit report immediately. 

The following personal information is incorrect : Account Number : XXXX XXXX XXXX XXXX This is not my name. Please remove it from my credit report immediately. 

I appreciate your prompt attention to this matter. Please let me know when these items have been removed from my credit report. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

the information reporting on my credit is incorrect and inaccurate, they have not provided me with the validation i requested not once but TWICE ive asked for these accounts to be validated and verified. i have not received any paperwork or contracts signed by me. 

they have Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports. 

please remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this information is hurting my life and preventing me from getting a auto loan. please help.
Product: Debt collection

I am a victim of Identity Theft & XXXX Data Breach and these are not my accounts. would willingly acknowledge and assume responsibility for any valid debts, I am unable to do so in this case without Proper Validation and Proof Of Claim. As per the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting comprehensive validation of the alleged debt. 

I seek evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : 1. Complete payment history, as per the precedent set by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Provide a detailed verification by line item, including information on the purchase date, itemized amounts, receipt of goods, and any relevant details directly from the Original Creditor.

2. Date of Last Activity.

3. Full, accurate social security number that may help to identify me as the correct person you are trying to collect from.

4. Agreement that bears the signature of the alleged debtor, indicating the commitment to pay the original creditor.

The obligation between your company Midland Credit Management and me that authorizes the collection of the alleged debt, along with any transactions binding me to an agreement to pay your company.

5. Proof of photo identification ( i.e., driver 's license, state identification card, or other government issued identification card ) presented at the time of incurring the debt.

6. Letter of sale or assignment from the original creditor to your company, including any agreement with your client granting the authority to collect on this alleged debt. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) - information relating to the purchase of a bad debt is not proprietary or burdensome. 
7. Any other pertinent information regarding the creation of the debt by your collection agency like ( 1. Where the debt originated from, 2. ) The sum paid by the bad debt buyer for the plaintiff 's debt, 3. ) How the total amount was determined, and 4 ) A list of documents that authorize the collection of debts. ) I must emphasize that, under FDCPA Section 809 ( b ), collection activity is prohibited until the debt is duly validated. The court ruling in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) confirms that reporting a collection account constitutes collection activity. Please be aware that this is not a request for partial validation ; rather, it is a demand for all the listed information to constitute full and sufficient validation of this debt. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FDCPA and other statutes. I look forward to an uneventful resolution of this matter.
Product: Mortgage

I have sent information to CFPB about a year ago and did not hear back. That is why I am submitting a NEW complaint. I had to handle the situation on my own! Back in XX/XX/XXXX, I had a servicer called Green Tree Mortgage who contacted me about the new terms and conditions of my loan. My loan was sold to Green Tree from XXXX XXXX XXXX. I was offered something completely unacceptable and went through a 2 year process back and forth in an attempt to get a loan modification. I sent complete packages and was repeatedly denied. Finally, in XX/XX/XXXX, I asked IF I could short sale the property and was told the ONLY way I could do this is to stop paying on my loan. I did NOT want to do this but was told they would release me. But this was a ploy to destroy my credit and foreclose on the property. Early this year, I met with representatives of Ditech, their attorney and the XXXX XXXX County Circuit Court in XXXX XXXX, Maryland. It was discovered during this meeting that Ditech improperly advised me on procedures for completing a short sale. The damage has been done and they also want me to adhere to a promissory note. I should be released from the promissory note. I no longer have the property, it was sold for the current appraised value so they have been paid and made whole! Therefore, I am putting in a complaint against Ditech Mortgage ( formerly Green Tree ). Can you assist me? I want restitution for the damage they have done to me! XXXX XXXX
Product: Credit reporting or other personal consumer reports

My identity was stolen and used to acquire a XXXX XXXX XXXX with a Chase auto finance loan from dealership XXXX XXXX XXXXXXXX XXXX  XXXX on XX/XX/XXXX. I was made aware of this only because I went to apply for a home loan in XX/XX/XXXX and was denied. I asked why was I denied and I was informed that it was due to the fact that I had a delinquent auto loan on my credit report. After pulling my credit report from the three major credit reporting agencies I saw that someone had in fact used my identity to acquire an auto mobile and had defaulted on the loan to the amount of {$17000.00}. I immediately file a police report with the XXXX Police Department report # XXXX and an identity theft report with the Federal Trade Commissions ( FTC ) report # XXXX. I then made attempts to reach out to Chase fraud department in which case I spoke to a fraud agent name XXXX agent # XXXX. XXXX XXXX informed me that chase auto fraud department would send out a Forgery Affidavit Questionnaire which I am to fill out to the best of my knowledge and return to them with a copy of my police report. I filled out and signed via public notary the forgery affidavit which I mail certified USPS mail # XXXX on XX/XX/XXXX. To my surprise I receive responding communication from Chase on XX/XX/XXXX that they receive my packet but that I now needed to provide more information if they are to investigate the account in question. I am filing this report so that I can have a third party oversight of the CFPB as it seems as though Chase Fraud department in reluctant to assist me in this grievant matter. I have included the same report that was file with the XXXX police department and chase claims it is not sufficient I have also return the Forgery Affidavit as asked and Chase has stated that they have not received it. Furthermore as per the Fair Credit Reporting Act ( FCRA ) Chase has neglected to inform and remove the fraudulent account from my Credit Reports until actual a proper investigation is completed with proof of the accounts validity. I am have again mail out another packet with a sign copy of the Forgery Affidavit XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the request of Chase Fraud Department . But as expressed earlier I am fearful that this matter will get ignored by Chase so I am including the same sign Forgery Affidavit as an attachment in this report so this way chase can not claim that I failed to send it to them. I look forward to having this matter handled swiftly and thoroughly.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



Inquiry XXXX XXXX XXXXXXXX
Product: Debt collection

A bill was owed XXXX  for my service, today XX/XX/XXXX at XXXX XXXX  Pacific time, I went online to pay the bill using the online payment method and my credit card to authorize a debit of {$280.00} to be paid today. 
At XXXX XXXX Pacific a call was received on one of our phone lines XXXX attempting to collect the debt. I called back XXXX XXXX XXXX and was transferred to an agent handling my debt ( reference # XXXX of Receivables Payment Management ) and she repeatedly stated she was trying to collect my debt. When I told the agent that I already paid the bill, she hung-up
Product: Debt collection

In XX/XX/2022, an ambulance sent a bill to the wrong mailing address and never informed me that I owed debt to this company. It ended up going into collections and the company was unwilling to work with me to remove it from my credit report. This account is incorrectly being reported as a charge off account when I had paid it. I would like proof of the charge off and an updated balance to {$0.00} or delete collections status on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a Credit card on XX/XX/2013, the company name is XXXX XXXX they failed to comply with Consumer Laws and has the account shown as a Charge -off which charge off is a canceled debt so it shouldn't be on my credit profile did not send me a 1099c form. I sent them a charge-off letter all they sent me is the receipt it is also outdated which makes it inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion XXXX2023 Balance {$340.00} I sent a letter asking to have this information updated correctly.
Product: Credit card or prepaid card

Im XXXX years old. And I never made transactions on my XXXX  card. My nurse is helping me with my credit. Im being taken advantage off
Product: Debt collection

Eastern Sy stems Posted a debt collection on my credit repo rt EASTERN ACCOUNT SYSTEM I  Address :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CT  XXXX  (  XXXX  )  XXXX  Account Number :  XXXX  Original Creditor :   XXXX      XXXX   XXXX    XXXX  Address Identification Number :  XXXX  Status : Collection account. {$59.00} past due as  of   XXXX   2017.
Product: Credit reporting or other personal consumer reports

Dispute of Updated Account XXXX ( # XXXX ) and REQUEST FOR Verification Method as per FCRA Section 611 I am filing this complaint regarding an unresolved dispute with XXXX ( partial account number # XXXX ), as reported on Experian report # XXXX dated XX/XX/year>. Despite an update to the account, several significant inaccuracies persist across all three major credit bureaus, specifically : Account Number : Variation in the reported account number. 
Date Opened : Inconsistent reported dates. 
High Credit : Discrepancies in the high credit amount. 
Credit Limit : Inaccurate credit limit amount. 
Payment Status : Differences in reported days late. 
Last Reported Date : Inconsistent dates. 
Date Last Active : Inaccurate reported dates. 
Date of Last Payment : Variation in reported dates. 
These inaccuracies negatively affect my credit profile and may impact my financial stability. Under Section 611 of the Fair Credit Reporting Act ( FCRA ), I have requested a detailed description of the verification procedure used to confirm this information. I am entitled to : A complete description of the procedure used for verification, including the method employed. 
The contact information ( name, address, telephone number ) of each person contacted concerning this account. 
Copies of any documents bearing my signature that demonstrate my contractual obligation to pay the claimed amount, as per Section 609 ( a ) ( 1 ) of the FCRA. 
I am demanding a full reinvestigation of this account and details of the verification method, as required by Section 611 of the FCRA. Additionally, any response based solely on the automated XXXX verification process will be considered insufficient. 
I have filed my complaint with the Federal Trade Commission ( FTC ), in accordance with the FCRA. FTC Report XXXX : XXXX regards XXXX XXXX
Product: Credit reporting or other personal consumer reports

Complaint : I am writing to file a formal complaint against XXXX XXXX XXXX XXXX and the credit reporting agencies for inaccuracies and discrepancies on my credit report that violate the Fair Credit Reporting Act ( FCRA ). 

Issue : My credit report has been improperly updated to reflect multiple instances of the same XXXX XXXX account, resulting in the display of triplicate accounts. Although two of these duplicate entries have been deleted, one remains, which continues to inaccurately affect my credit report. Additionally, the account in question has been removed and reinserted without any fair warning or a Method of Verification ( MOV ) as requested and as mandated by the FCRA. 

Details : Multiple Entries : Initially, the XXXX XXXX account was being reported XXXX times on my credit report, each as a separate account. This was a clear error and misrepresentation of my actual credit history. 

Identical Balances : All three entries had the same account balance, indicating they were duplicates. 

Remaining Discrepancy : Despite the removal of XXXX of the duplicate entries, one erroneous entry remains. Given the initial discrepancies, all three entries should have been removed to ensure complete accuracy. 

Reinsertion Without Notification : The account in question has been removed and reinserted into my credit report without providing me any fair warning or Method of Verification as requested. This action is in direct violation of the FCRA requirements. 

Violation of FCRA : According to the FCRA, credit reporting agencies and furnishers of information are required to ensure that the information reported is accurate and complete. The persistence of XXXX duplicate account for the same debt, the inconsistencies in the reported information, and the reinsertions without proper notification are direct violations of these requirements.
Product: Debt collection

I wish to emphasize that I have never purchased a car with Nissan Acceptance or Nissan, nor have I ever engaged in any transactions with your company. Therefore, it is evident that this account is fraudulent and unauthorized.
Product: Money transfer, virtual currency, or money service

I received a phone call on XX/XX/2021, stated this Fraud dept for Wells Fargo Bank, saying there was a fraud on my checking account charges of {$1200.00} with XXXX  XXXX  and two more transactions of {$250.00} each then ask if someone by the XXXX XXXX ask twice if knew this person. I replied to him do not know this individual by the name of XXXX XXXX. At the time I was at home on my computer. I went to my email there was an email to me with Wells Fargo wire transferReciecipent add to My account which I didn't authorize person on the phone told me he was moving all my monies. One account and locking at That time money was the move from 8 accounts. One of my accounts wire transfer to a person by the name XXXX XXXX to XXXX XXXX in my XXXX there was an email added to my account Email address : XXXX. Wells Fargo ha has denied me 9 times. I also have a XXXX XXXX XXXX account Document that was submitted on XX/XX/2021, received on XX/XX/2021 cert # XXXX. 
Wells Fargo Claim # XXXX. It has been over 45 days since XXXX XXXX XXXX has not received the 609E process document
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

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  Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.