23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

The following accounts do not belong to me they are fraud. I am a victim of identity theft my info was on the dark web and other breaches such as XXXX and XXXX which are currently being sued for reporting fraud and inaccurate information class action lawsuit. Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately. I demand that you show me a copy of the items listed in this letter and stated below if you can not produce these items, you must delete them. I also request that an immediate block be placed on all these fraudulent accounts and blocked from any future reporting i have provided my FTC affidavit for your review. 2. 1. Validation of the debt-that is the actual accounting. 3. 4. Verification of signed Invoice. 5. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered. 6. Please provide the original docurse and wet signature if you can't provide these items Delete them. The law states all items must be reported accurately and truthful 15. u.s. code 1692j 1681s 2b cra must block the information within four days and notify the furnished of the report of the fraudulent data. Below are the items that need to be blocked from current and future reporting and deleted. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXK, AND ALL INQUIRES LISTED IN THE FTC FRAUD AFFIDAVIT BELOW ATTATCHED FOR YOUR REVIEW.
Product: Debt collection

XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX DOCTORS BUSINESS BUR XXXX Reported : XXXX XXXX, XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious DOCTORS BUSINESS BUR XXXX Reported : XXXX XXXX, XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XX/XX/XXXX I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me.
Product: Debt collection

XX/XX/2023 : Recieved a notice of Garnishment from local court from Stenger and Stenger. I had not been previously contacted by them for possible legal action. 
XX/XX/2023 : Finalized repayment plan to avoid garnishment, {$75.00} bi-weekly. 
XX/XX/2023 : Notified that a garnishment was taken out of XXXX from my paycheck for XX/XX/2023. I also recieved a letter that same day stating Stenger and Stenger was going to debit {$75.00} from my bank account. 
XX/XX/2023 : Stenger and Stenger is refusing to apply the XXXX that was already taken via garnishment from my paycheck and refuses to refund me that money.
Product: Credit reporting or other personal consumer reports

Urgent Complaint Regarding Unresolved Credit Disputes Dear Representative Consumer Financial Protection Bureau, I am writing to formally express my frustration and concern regarding multiple unresolved disputes on my credit report that continue to negatively impact my financial well-being. Despite my repeated efforts to dispute these matters, I have yet to receive adequate responses or proof validating the accuracy of these accounts. I have specifically requested documentation confirming that these accounts belong to me and that they are being reported correctly, yet no such information has been provided. 

Furthermore, I have not received timely updates regarding the status of my disputes, leaving me feeling as though my concerns are being disregarded. The ongoing presence of these inaccurate accounts has significantly affected my lifeI have been unable to secure housing, obtain necessary financial assistance, or build a credit profile that truly reflects my character and responsibility. 

As a woman of XXXX, this experience has been particularly disheartening. The emotional distress and barriers I have faced due to these reporting issues have had a profound impact on my stability and future opportunities. I urge Experian to take immediate action to thoroughly investigate these disputes, provide me with clear and transparent updates, and correct any inaccurate information on my report. 

I expect a prompt response to this matter, as I have exhausted all previous avenues to seek resolution. Please confirm receipt of this complaint and provide an update on the next steps regarding my disputes. 

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

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. I can go on and on The credit bureaus have no respect for the laws. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Please Block and remove it. 
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
Product: Debt collection

Account Number ( s ) and charge-off amount : XXXX in the amount of : {$370.00} XXXX in the amount of {$1300.00} XXXX in the amount of : {$1400.00} XXXX in the amount of : {$1700.00} XXXX XXXX XXXX XXXX XXXX, XXXX XXXX To Whom It May Concern : Ive just reviewed my credit report and noticed the following inaccurate item ( s ) : Affirm , INC with account number XXXX I request that you VERIFY this information and provide me with copies of any documentation associated with your investigation. In the absence of any such verification, I request that this information be immediately removed from the credit file you maintain under my Social Security Number. 

Affirm , INC with account number XXXX I request that you VERIFY this information and provide me with copies of any documentation associated with your investigation. In the absence of any such verification, I request that this information be immediately removed from the credit file you maintain under my Social Security Number. 

Affirm , INC with account number XXXX I request that you VERIFY this information and provide me with copies of any documentation associated with your investigation. In the absence of any such verification, I request that this information be immediately removed from the credit file you maintain under my Social Security Number. 

Affirm , INC with account number XXXX I request that you VERIFY this information and provide me with copies of any documentation associated with your investigation. In the absence of any such verification, I request that this information be immediately removed from the credit file you maintain under my Social Security Number. 

Finally, please remove all non-account holding inquiries over 30 days old and add a promotional suppression to my credit file. 

Sincerely, XXXX XXXX XXXX
Product: Bank account or service

I tried to use my debit card on XXXX XXXX but it was declined. I paid cash for my transaction and did n't think anything about it. My paycheck is direct- deposited into my Chase account on or before the XXXX XXXX of every month. I tried to check my account this morning but got a message stating that I needed to contact Chase. I managed to check the balance by phone to find a XXXX balance. So I called customer service only to be told that my XXXX yr old acct was audited and that Chase decided I was no longer their customer and closed my acct. No notice of any kind! I will have to wait 10 days for a letter from them, can not access my paycheck and have several auto- pay bills that will not be paid on time. They refuse to discuss the issue and will not tell me what to do to keep my account open. My credit is going to take a big hit now and I can not pay my bills! I spoke with XXXX from customer service and he told me to stop spending! What was that about? I need to access my money-back money that pays my bills, gets me to work and feeds my family!
Product: Credit reporting

I disputed a record on my report and asked that in the verification they include how the item was verified, the name of the person that verified the item, etc. This was done twice and both times the information was not provided.
Product: Credit card

Company wont work with me on a secured card they charged me terrible amount of fees and interest.
Product: Debt collection

This company Seventh Avenue had charged me {$20.00} for a shipping charge. I had placed an order with the company in XXXX. I ordered XXXX pair of curtains. Remind you that I had to pay for the shipping and handling before they would send the merchandise to my address. I received the merchandise and did not like the them at all. I let the company know that I was unsatisfied with the merchandise and wanted to return them back to the company. They wanted me to print out a returned shipping label and send it back and I did. Later they sent me a notice to pay them a shipping fee charge. I did n't understand why because I felt like it was unfair. I paid to get it shipped out and they let me print out a no charge shipping label to return it back to the company, which I thought was fair. I did n't get anything else for them. Now they have this shipping charge fee on my credit report as negative, charged off {$20.00} written off {$20.00}, past due as of XX/XX/XXXX. This is not right at all. I had written to this company about I am disputing this item and wanted them to prove it by validating this account with documentation bearing my signature. They responded by saying I had nothing to dispute. After 30 days, they never put the disputed by consumer onto my credit report. They broke the law. I want this entry deleted. I had written a letter to them about settling this account in exchange to delete the negative remarks from my files. They never responded back. I had also written letters to XXXX XXXX, XXXX and XXXX to investigate the entry on my credit report and they responded by saying the company validated the account was mine. They also never put the disputed by consumer on my report either. They did not verify the company properly because I wanted copies from the company bearing my signature associate with the account that I owe the money to them. Seventh Avenue have completely avoided me and my letters and they have broken the FCRA law. I wanted to pay the {$20.00} in exchange for them to remove the negative remarks, now I am willing to go to small claim court against the company. I will be seeking {$5000.00} in damages for 1 ) defamation 2 ) negligent enablement of identity fraud 3 ) violation of the FCRA. Very serious and willing to make that move if this entry is not deleted.
Product: Money transfer, virtual currency, or money service

As stated in a previous complaint against BAM Trading services, XXXX XXXX  XXXX. My account was locked on what has been confirmed by my bank as not an action that they had initiated. Moving forward my account was locked without reasoning. at the time of this lock I had {$950.00} in USD and a little under {$12000.00} in cryptocurrency that would fluctuate between $ XXXX depending on the trend. I tried for about 60 days to get unlocked sending 2 videos as per the request of Binance.US and sent my bank statement twice. That was my first visit to the XXXX website where I launched my first complaint. They answered rather quickly and made it seem like they would actually take some action. They finally responded to a message. Then right when the wait period before the complaint was closed had expired, they stopped answering. again. So about a week later I read online that I should try to SELL my assets instead of trade them. This worked. OF course this cost me about {$50.00} and I sold it at a low of {$10000.00}. I was okay with it because I would rather be in USD than a volatile coin. This is when the unthinkable happens and my {$950.00} that was in USD previous to my selling the coins I had was deleted from my account and all that remained was the {$10000.00}. Still no contact, still cant withdraw, still filling out complaints that seem to go nowhere. Binance will acknowledge in public eye, but then continue the suspect/criminal activity as soon as they get the opportunity. Since then I have written the CEO 's and other C-Level employees and continue to get ignored. False promises by them and XXXX. These companies are criminal organizations and need to be fined and sanctioned. They are ruining peoples lives and thumbing there nose at the customers that lined the pockets of their CEOs.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX ( XXXX ) XXXX collection/charge-off in the amount of {$710.00} date opened XXXX XXXX last activity XXXX XXXX account # XXXX has violated my rights 15 U.S.C 1681 Section 604 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
Product: Credit reporting

I have an account listed that shows that I have a statement added to it " Your Statement : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). '' I had requested this comment be removed because it was added there by EXPERIAN, I submitted the request to have it removed online, and EXPERIAN " investigated '' the account and left the comment on the account.
Product: Credit card or prepaid card

I made a few late payments to my Avant credit card on the following dates XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX of XXXX  due to Covid. My family struggled to support for each other during this unexpected crisis and some of my payments were made late. Once I was able to adapt to Covid, all of my payments were up-to-date. My credit score suffered greatly from this pandemic which was out of my control. I called Avant to see if the late payments can be removed from my credit report due to a global pandemic and they refused. I would like to reach a resolution to have my late payments that occurred during this global pandemic removed from my credit report from all 3 credit bureaus ( XXXX, XXXX, and XXXX ) so I my credit can reflect my capability to manage my credit and finances without the influence of a global pandemic that has caused many Americans and other countries across the world to suffer greatly. Thank you.
Product: Credit reporting or other personal consumer reports

I never open any accounts i have been XXXX  for some time XXXX XXXX XXXX Account number XXXX XXXX XXXX Account. Number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX AND WELLS FARGO DEALER SERVICES ARE WRONGFULLY PUTTING FORTH INFORMATION THAT APPEARS HONEST AND CORRECT ON ITS FACE YET, WHEN THE RESULTS OF INVESTIGATION AND FACTS IN THE COMMON PURVIEW ARE REVEALED ... XXXX  AND WELLS FARGO MAY HAVE A LEGAL PROBLEM WITH THEIR ATTITUDE AND INSISTENCE ON A LACK OF FORBEARANCE TO STATE SOFTLY AND MAY BE CONTRARY TO DODD FRANK CHECK CLEARING LAWS, THE FCRA AND THE FDCPA.HERE AND BELOW I STATE MY SIMPLE CASE THAT I WOULD BE HAPPY TO BE HEARD BY A SMALL CLAIMS MAGISTRATE AND THE XXXX SUPERIOR COURT WHICH XXXX  AND OR WELLS FARGO WOULD LIKELY APPEAL TO ... ... ..SHOULD I DECIDE TO SPEND {$60.00} TO TAKE THIS CFPB CASE TO COURT. 
WELLS FARGO DEALER SVCS. ACCOUNT NO XXXX .... HAS DESTROYED MY CREDIT FOR 5 YEARS BECAUSE WELLS FARGO CLAIMS THEY WERE NOT PAID {$250.00} THE FINAL PARTIAL PAYMENT ON A CAR LOAN ... WELLS FARGO 'S PRESIDENT 'S OFFICE HAS RESPONDED TO EARLIER CFPB COMPLAINT STATING THAT MY FINAL CHECK BOUNCED AND THAT THAT CHECK TOOK 47 DAYS TO BOUNCE OR BE CLAWED BACK BUT THAT WF HAD A BAD CHECK FROM ME DETERMINED 47 DAYS AFTER RECEIPT FROM ME. 
THIS CAR LOAN WAS PART OF A GROUP OF LOANS UNDER AND STILL IS UNDER SCRUTINY OF THE CFPB AND THAT WF PAID XXXX XXXX AND THE PRINCIPAL OF FOREBEARANCE WAS USED TO REDUCE THAT XXXX XXXX DOLLAR FINE TO XXXX XXXX FROM XXXX XXXX DOLLARS ... 
THE LARGEST CFPB FINE IN HISTORY AGAINST A BANK FOR UNSAVORY BEHAVIOR BY THE CEO CFO AND IT HEADS .... WELLS FARGO.

HERE IS THE ISSUE ... DURING THIS YEARS LONG TIME WHERE WF WAS MISSING {$250.00} FROM ME THEY WERE ACTUALLY IN POSSESSION OF IT BECAUSE THE CFPB DETERMINED THAT WELLS STOLE THAT MUCH FROM ME IN MY AUTO LOAN GIVING INSURANCE REQUIREMENTS THAT WERE ILLEGAL. 
SINCE THE CFPB DETERMINATION, LONG AFTER THE 5 YEARS OF DESTRUCTIVE CREDIT REPORTING BEGAN UN-CEASELESSLY I RECEIVED A CHECK FOR AN AMOUNT SIMILAR TO THE XXXX DOLLARS BECAUSE WELLS WAS FORCED BY THE CFPB TO RETURN AT LEAST A PORTION OF THE MONEY WELLS STOLE FROM ME BACK TO ME ....

SO WHILE WELLS WAS CLAIMED XXXX DOLLARS OWED TO THEM, THEY ACTUALLY POSSESSED STOLEN FUNDS THAT THEY CRAFTILY STOLE FROM ME IN MONTHLY PAYMENTS THAT EXCEEDED THE XXXX DOLLARS THEY WANTED BACK BECAUSE MY CHECK TOOK 47 DAYS TO BOUNCE. 

WHAT DO YOU SAY ... SHOULD WELLS AND XXXX GO TO SMALL CLAIMS AND SUPERIOR COURT WITH ME OR MAKE A BUSINESS DECISION AND DELETE THIS ACCOUNT?
Product: Credit reporting, credit repair services, or other personal consumer reports

This Bankruptcy account is NOT IN COMPLIANT with the consumer laws, and its reporting incomplete, misleading, inconsistent and erroneous information and therefore it CAN NOT be verified. 

Here is some of the reasons that it shouldnt be reported and de DELETED from my credit report effective ASAP : Addtl see the screenshot errors below! 

Bankruptcy filing date is wrong. DELETE!!!! 
There are 3 different filing dates. DELETE!!!! 
Court name is not accurate each bureau must report the actual name of the court, followed by ( city, state ). DELETE!!!! Remove immediately. 
I asked the court if they verify records with the credit bureaus and they stated they do NOT, so how did you legally verify this. DELETE!!!! 
Youre required to obtain verification from the DATA FURNISHER and the court told me that they dont verify with you, so HOW is anything else considered legal verification? DELETE!!!! 
I need for you to send me the petition to verify this account. If you can not do that, then this needs to be removed. DELETE!!!! 
You have the wrong docket number.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a request to have my consumer reports from XXXX and LexisNexis sent to me via registered mail with tracking included with this request was a copy of my drivers license and social security card. I have yet to receive this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX Balance : {$7100.00} XXXX XXXX Balance : {$64.00}
Product: Debt collection

I just noticed a XXXX dollar debt collection on my credit report because I received a notification from my credit monitoring service. They are claiming it is for internet equipment, but there's no such thing. Supposedly this was over 3 years ago and the property was sold then. I don't even live there anymore. The HOA is supposed to be in charge of the internet service from our HOA payment. I didn't receive not one letter from them until today XX/XX/2023.
Product: Mortgage

OCWEN unjustly denied a loan modification and continued to draw out the process for a year and a half. Documents are available by consumer