23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My home was illegally and intentionally placed on a vacant and abandon list, by city employees who 've been out to get me for quite sometime now. Shortly thereafter, these same city employees falsified legal documents, forced entered my home 5x 's and fraudulently submitted the same documents to the electric and gas company and then DEMOLISHED my home right before my eyes. Ocwen the loan servicing company took No action, as they state the city NEVER contacted them about my home in thus violated DUE Process laws. Now Ocwen has denied me access to the website, in hopes that I stop making payments. They have also discontiued sending monthly mortgage payment statements. I believe this is an attempt to force me into foreclosure. I took a screen shot of the Denied access page when I logged into Ocwen Site to make payments, which I 've always done. Now since HUD has sent my complaint to the XXXX XXXX XXXX XXXX, I am blocked from having account access. I used an old statement to make this months mortgage payment, and sent it priority mail for proof! The city attorney who I believe is behind all this mess, is now the attorney investigating the HUD complaint. Ocwen and the City is working to ruin my credit because I 've filed complaints against them for fraud, waste and misappropriation of funds. I need Ocwen to open my account so that I can continue to make my monthly payments, without these many forms of on-going harassment, intimidation and criminal acts against me, until I am released from this debt in its entirety.
Product: Credit reporting or other personal consumer reports

Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Credit reporting or other personal consumer reports

SOMEONE HAS OPENED AND USED A FRAUDULENT CREDIT CARD IN MY NAME. THE CREDIT BUREAUS XXXX AND EQUIFAX ARE GUILTY OF USING MY PERSONAL IDENTIFICATION INFORMATION TO PUBLISH INCORRECT INFORMATION ON MY CREDIT FILE. I URGE YOU TO HAVE THESE ITEMS REMOVED AS THEY ARE NOT INITIATED BY ME AND BY LAW MUST BE REMOVED WITHIN FOUR DAYS OF NOTIFICATION.
Product: Credit reporting or other personal consumer reports

Subject : **Immediate Removal of Fraudulent Accounts from Credit Report** I am writing to demand the immediate removal of all fraudulent accounts appearing on my credit report. Under both state and federal laws, these erroneous listings are unlawful and constitute a violation of my rights. I have provided IRS Fo

rm 1099-C and 1099-A documents, which confirm the IRS has recognized and discharged these debts, eliminating any basis for the debts to be reported. Please note the following applicable legal standards : 1. **Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681** This law requires that credit reporting agencies maintain only accurate and verifiable information. Reporting a discharged debt, especially afte
r official IRS confirmation, is considered a breach of the FCRA, and any failure to remove this erroneous data will constitute a willful violation of this statute. 

2. **Truth in Lending Act ( TILA ) 15 U.S.C. 1601** The TILA mandates that lenders provide clear evidence of debt obligation, which must include a signed promissory note or security instrument. There is no signed instrument demanding payment or security instrument by me, XXXX XXXX, to validate these debts. Therefore, there is no enforceable debt, and continued reporting of these accounts violates federal standards. 

3. **Uniform Commercial Code ( UCC ) 9-102 ( a ) ( 23 ) ** Under the UCC, a car is classified as a " consumer good '' when used for personal purposes. Lenders or third-party collectors can not claim the status of an unsecured consumer debt as a basis for collection activities or credit reporting without clear, enforceable documentation. 

4. **Prohibition Against " Doxing '' and Harassment** Any continuation of these misrepresentations could be construed as targeted harassment or " doxing. '' By sharing incorrect financial data, you are exposing me to unnecessary reputational damage, further violating my right to privacy and putting me at risk. This creates a cause of action under both state privacy laws and certain anti-harassment statutes. 

Since you can not present a signed demand or security instrument for these accounts, any further misrepresentation on my credit report is not only unlawful but actionable. Under federal law, you are required to correct all inaccuracies within 30 days of receiving notice. If you fail to comply, I will take all necessary legal steps, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and any applicable state authorities. 

Furthermore, in accordance with 15 U.S.C. 1681n, I will pursue statutory damages, attorney 's fees, and punitive damages should any party attempt to persist in this illegal reporting. To avoid this, you must provide written confirmation within 30 days that the erroneous items have been removed from my credit report. 

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

XXXX has an account on my report that should have been removed already. 

FCRA - Fair Credit Reporting Act After you close a credit card account or pay off a loan, its positive information will remain on your credit reports and continue to benefit your credit score for 10 years after the closure or payoff date. 

The account is more than XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and Social Security Number : XXXX, and Date of XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you shall block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not 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 # XXXX and # XXXX 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: Credit reporting or other personal consumer reports

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

And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 XXXXXX/XX/year> 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX XX/XX/XXXX To whom it may concern : I recently reviewed a copy of my credit report and noticed the following information regarding inquiries to be in error. The Fair Credit Reporting Act states that the only permissible purpose for pulling a persons credit report is ( 1 ) a firm offer of credit, ( 2 ) insurance, ( 3 ) an application for employment, or ( 4 ) a court order.

The following inquiries are not related to one of the allowable purposes, as I have reiterated from The Fair Credit Reporting Act. 
1 XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX /XXXX  XXXX 5. XXXX XXXX  Please remove these inquiries from my credit report immediately. 
If any of these companies purport to have pulled my credit report with permission, then I exercise my legal right to ask for verification, including : 1 ) Name and title of the person who pulled my credit.

2 ) Date they purport that I gave permission.

3 ) Method they purport that I gave permission. Please include documentation of said permission. 
Thank you. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills. I continued to receive in the mail. I have never heard form the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

DPT EDXXXX XXXX {$88000.00} XXXX/XXXX   XXXX {$0.00} XXXX XXXX XXXX XXXX {$420.00} XXXX  XXXX {$650.00} XXXX XXXX XXXX   XXXX {$510.00} XXXX/XXXX  XXXX {$420.00} DEPTEDXXXX XXXX {$4000.00} XXXX XXXX XXXX {$470.00} XXXX/XXXX  XXXX {$540.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX {$540.00} XXXX  XXXX  XXXX {$700.00} XXXX/XXXX   XXXX {$640.00} XXXX  XXXX {$1500.00} XXXX/XXXX  XXXX {$410.00} XXXX/XXXX   XXXX {$450.00} XXXX/XXXX XXXX {$700.00} XXXX XXXX XXXX  XXXX {$420.00}
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report 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 blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 Balance : {$1400.00} ; XXXX XXXX  XXXX Balance : {$2500.00} ; XXXX XXXX XXXXXXXX Balance : {$670.00} ; XXXX  XXXX Balance : {$14000.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX Inquiry : XXXX XXXX XXXX, XXXX ; XXXX Inquiry XXXX XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act these accounts have violated my rights : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 Section 1681 Section 602A States I have the right to privacy 15 U.S.C 1681 Section 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX
Product: Checking or savings account

I had payments scheduled for my account ending XXXX and US Bank would withdraw funds for a payment on that specific day and there was an available balance, and then the next day there was even more money available in the account yet the payment was returned, causing me to have to pay late fees for missed payments. I had this happen several times this month and a couple of times last month. XXXX XXXX stated that it would depend on when the deposits were made, and I stated that US Bank 's process seems to be removing funds before depositing funds in order to keep consumers hurting for money and maybe they are in on the scam of charging these late fees. XXXX said that US Bank had no idea of when money would be deposited into my account until the day it happens and told him that was untrue. As I have XXXX bank that pays me XXXX days before US Bank does, which tells me US Bank knows at least XXXX days before they release the funds how much money is coming into my account. So if payments are withdrawn at XXXX, and my paycheck doesn't hit until XXXX, then US Bank says I do not have enough funds. US Bank is always willing to hold my paychecks for days, but when payments are made out of my account they want them to be instant. This is robbery of the American people 's hard earned money! Please Help!
Product: Credit card

I used Citi to do a balance transfer to XXXX XXXX for {$5000.00} back in XXXX of 2023. Citi said they send them a check for {$5000.00} but XXXX XXXX said they never received it. Citi has sent me a copy of a check which I have sent to XXXX XXXX. I have given both companies permission to to speak to each other and both say the other is at fault. This has been 10 months now with no resolve. Now both companies say I own them {$5000.00}. Citi still charges me a minimum payment. I don't see how in this day and age one of these companies can't figure what happened. Now a {$5000.00} debt turns in to a {$10000.00} debt because both are saying I owe them {$5000.00}. It is a nightmare. 
Any help would be greatly appreciated
Product: Credit reporting or other personal consumer reports

MRS BPO HAS FAILED TO PROVIDE PROOF AND DOCUMENTATION THAT THE AGENCY IS LEGALLY ALLOWED TO COLLECT IN THE STATE OF GEORGIA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GEORGIA XXXX XXXX Mrs Bpo, L.L.C. 
XXXX XXXX XXXX, XXXX XXXX, NJ XXXX NOTICE TO CEASE AND DESIST ACCOUNT : XXXX XXXX XXXX Dear Sir/Madam, You are hereby notified to immediately cease communications and reporting on my credit report concerning the collections and the alleged debt associated with the account referenced above. This letter serves as a written request pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). 
I dispute the validity of the debt that you claim I owe and request that you provide verification of the debt, including the original creditor 's name and address, the amount owed, wet ink signature, My fingerprints, Original contract, and proof that you are licensed to collect debts in my state ( if you are a debt collector ). Until such time as you provide verification of the debt, I am exercising my right to cease and desist all collection activities. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law. 
Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. It is alleged debt until it can be proven. With no supporting evidence it must come off the report. 


Furthermore, I am requesting that all communication regarding this debt be conducted in writing only. Please do not contact me by phone, email, or any other means except in writing. Any further attempts to collect this debt without providing verification or in violation of the FDCPA will result in legal action being taken against your agency. 
IF YOU OR ANY OTHER AGENT OF YOUR COMPANY ATTEMPTS TO CONTACT ME OR CONTINUE REPORTING THE ALLEGED DEBT, A FORMAL COMPLAINT WILL BE FILED WITH THE FEDERAL TRADE COMMISSION. 
Please move forward with the above request. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) In closing, please acknowledge receipt of this letter and confirm that you have ceased all collection and reporting activities on this debt. Failure to comply with this request will result in further legal action. 


Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I ran into some medical issues and got behind on my payments in XXXX I called was advised what needed to be paid to get back on track I made a {$690.00} payment XX/XX/XXXX and another $ XXXX mid XXXX and was told I was back in good standing tried using my card XX/XX/20 to be told the account was closed I was never advised my card was closed as a matter of fact when I went into the app to check my balance its still showing I have XXXX in available credit so I called again today they had no answered for me and told me it can take XXXX days to get resolution Ive never missed payments prior or since all my emergency medical issues
Product: Credit reporting or other personal consumer reports

I disputed the validity of the information on Equifax and XXXX credit reports pertaining to XXXX XXXX XXXX being inaccurate, unverifiable payment history and balance reporting on my credit reports from both of these agencies and requested that it be deleted in alignment with FCRA. The disputes were submitted through XXXX XXXX website on XX/XX/2024 and neither company has responded or deleted the account from my credit report in the 30 to 45 days of receiving the dispute. The error that is reporting inaccurate has directly affected my ability to be fairly evaluated for credit, housing and employment.
Product: Bank account or service

Wells Fargo allowed an unknown fraudulent individual to open a checking account in my name without verifying or confirming their identity. I notified them and they assured me that they would complete an investigation in a timely manner ; however it has nearly four months since I reported this and they have failed to contact me. Not to mention that financial loss that I have suffered which includes my personal time. Additionally, the bank has been sending me harassing notices stating that I owe them money for the account being overdrawn which is illegal.
Product: Credit reporting

I went in to XXXX in search of buying a house. After looking at my credit reports several inquires have been made which caused a significant decrease in my credit score. There were credit pulls on XXXX XXXX, XX/XX/XXXX from XXXX and from XXXX on XX/XX/XXXX. I was informed that the pulls would not impact my credit score or be considered as a hard inquiry.
Product: Credit reporting or other personal consumer reports

For the past 5 years and 2 months, XXXX XXXX XXXX XXXX has reported Account # XXXX in error to multiple credit reporting agencies, despite my repeated complaints to the Attorney General of Washington, XXXX XXXX XXXX XXXX, the Federal Trade Commission, Experian, XXXX, XXXX, and the Consumer Financial Protection Bureau. 

XXXX XXXX XXXX claims to collect a debt on behalf of XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX, TX. However, XXXX XXXX XXXX has confirmed that they have no record of me, XXXX XXXX, in their database concerning this alleged debt. Moreover, XXXX XXXXXXXX XXXX is not currently a client of XXXX XXXX XXXX for debt collection purposes. 

Due to this fraudulent reporting, I have suffered financial damages exceeding {$8000.00} over the past 5 years. XXXX XXXX XXXX has not received any payment from me for this debt and will not receive any payment. I have meticulously documented every complaint, dispute, and incurred fee since this debt was first reported in XX/XX/year>.
Product: Money transfer, virtual currency, or money service

The company is a debit card company, Chime. I receive direct deposit from my job via account with Chime. On XXXX XXXX made a transfer into the account of my landlord. The money was not received. XXXX XXXX I filed a transaction dispute for XXXX at Chime with proof of the transaction. I checked the dispute XXXX  days later to find it was denied. Calling to speak with a customer service representative for over XXXX minutes I was not given any explanation as to why my dispute was denied and sent links that were supposed to allow me to access and view the reason for the denial. The links proved to be useless and provided nothing near an explanation. Chime has repeatedly refuse to refund my money and will not attempt to recover the money.