23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Please see the attachment and cover letter for the CFPB. As a description this case involves a debt collector and account debtor consistently refusing to comply with consumer Creditor laws. Enclosed are several communications from and to the debt collectors. The debt collectors which include a attorney firm moonlighting as counsel for the account debtors are threatening illegal seizure to the Consumers Private Personal Property obtained for personal, family, or household purposes, which can not be seized at any point, especially a debt collector.
Product: Credit reporting or other personal consumer reports

Its been over 30 days and the creditor XXXX XXXX XXXX Account number XXXX has not updated the information nor has provided proof or documentation in regards to a late payment they have not supplied this information and they must delete the alleged late payment on my credit report under federal law they had 30 days to complete the investigation and by failing to do so the item must be deleted from the report as soon as possible
Product: Student loan

All of my student loans have been discharged so all " open '' or " closed '' balances should be XXXX
Product: Money transfer, virtual currency, or money service

It has been more than two months since I first requested to resolve the issue preventing me from withdrawing my cryptocurrency to my personal wallet with XXXX  due to unexplained security hold .My funds were initially deposited directly from my verified bank account, and I have not altered any security settings or email that would warrant a security hold on my account.I have opened 2 tickets with XXXX  customer support and submitted my Drivers License with personal selfi attached as requested by XXXX  XXXX then emailed them several times but no resolution. I seek resolution on the unexplained hold affecting my account. This was my initial transaction on XXXX, and the experience has unfortunately been negative. I kindly request your intervention and a resolution to this matter. 
Account opened XX/XX/XXXX XXXX XXXX wire transfer directly from my bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a mountain full of unauthorized inquiries reporting on my credit file. Months ago I lost my Id therefore I'm assuming this is the results, please remove, delete, and / or block the following inquiries from my report. 

1 ) XXXX  ( XX/XX/XXXX ) 2 ) XXXX XXXX ( XX/XX/XXXX ) 3 ) XXXX XXXX ( XX/XX/XXXX ) 4 )  XXXX XXXX ( XX/XX/XXXX ) 5 ) XXXX XXXX ( XX/XX/XXXX ) 6 ) XXXX XXXX ( XX/XX/XXXX ) 7 ) XXXX ( XX/XX/XXXX ) 8 ) XXXX XXXX ( XX/XX/XXXX ) 9 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 10 ) XXXX ( XX/XX/XXXX ) 11 ) XXXX XXXX XXXX  (XX/XX/XXXX ) 12 ) XXXX XXXX (XX/XX/XXXX ) 13 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 14 ) XXXX XXXX ( XX/XX/XXXX ) 15 ) XXXX XXXX ( XX/XX/XXXX )
Product: Payday loan, title loan, personal loan, or advance loan

I got covld last year and was out work fa 8 weeks also fighting not trying too be homeless and still trying too build credit I ask them too remove da late payments reporting they said no iam still doin business with them now
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDIT SUPPRESSION REQUESTED BY ALL CREDIT BUREAUS.  XXXX , EQUIFAX,  XXXX  AND  XXXX .     PER THE  F.C.R.A  LAWS.
Product: Checking or savings account

I have an identity theft monitoring app due to am XXXX breach. My identity was stolen in 2012 and I spent multiple years working to repair my credit as a result. I received an alert in the app that a bank account t was opened with my ssn at Wells Fargo where I have never banked. I called right away. I told them I have a fraud alert on my credit report, how was this opened? One agent told me to take that up with the credit reporting agency. What?! They gave me an investigation number of XXXX and assured me I would hear back with resolution. That was almost 30 days ago. Im not calling over and over through their hard to navigate system because they overlooked a clear fraud alert. I want that account closed, a written response from Wells Fargo regarding what occurred and to ensure they follow the rules when there is a fraud alert on credit reports. It was too easy for someone to open an account in my name and Im sure this has happened to many other people.
Product: Vehicle loan or lease

I was told at XXXX that I had to pay off the entire vehicle to get it back. I spoke with XXXX ID # XXXX. 
I asked how much was due? No answer, stated I had to wait til monday for pay out amount. 
I asked what was the past due amount? {$1200.00} I asked when was the last payment received? XX/XX/XXXX I asked when was the next payment expected. No answer, stated there wasnt one expected I asked when was I notified that the car was being repossessed? No answer. Stated I was sent a letter of my account in default XX/XX/XXXX and I had to pay by XX/XX/XXXX before it goes to repo status. 
BY LAW 1-2 BILLING CYCLES ARE REQUIRED BEFORE REPOSSESSION. ( SECTION XXXX ) XXXX. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 

I asked who was the entity holding creditor rights at the TIME of repossession? 
XXXX stated that I am listed as holder of retail installment contract. 

XXXX ( XXXX ) stated CHASE is listed as entity of holder of vehicle. 

At this time CHASE is responsible for CONVERSION Conversion is an intentional tort which occurs when a party takes the chattel property of another with the intent to deprive them of it UNDER 18 USC 242 that is a crime. 

PLEASE SEND PROOF OF DOCUMENTS THAT ( CHASE ) HAS CREDITOR RIGHTS TO XXXX  XXXX XXXX ON RETAIL INSTALLMENT CONTRACT.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XX/XX/2017    experian charged me {$21.00} for a credit monitoring service and the following business day I contacted my financial institution. I came in and they stated it needed to be disputed with experian and called them. Experian stated it could not be refunded because it was in the fine print of the {$1.00} fico score I payed for. They also stated they did n't have a customer relations department I could speak to. This all resulted in other auto drafts in my checking to go into overdraft and I the customer am left eating the entire cost. Completely unacceptable.
Product: Checking or savings account

XXXX XXXX XXXX XXXX account ending in XXXX and XXXX XXXX XXXX XXXX XXXX all are reporting me to early warning systems and XXXX  I never opened any of these accounts and I am not able to open up a bank account due to these fraudulent accounts reporting
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of fraud. I had items on my credit file that are not mine. I sent copies of FRAUD AFFIDAVITS AND REPORTS AND DISPUTES to all three Credit Bureaus along with my Driver 's license and Social Security card. XXXX and XXXX XXXX removed the fraudulent erroneous items from my credit. Experian just ignores me and stalls me. This has been going on for seven months. Now I was denied two apartments because Experian refuse to do event the investigation of my dispute. I have not heard from Experian, yet they are still reporting inaccurate, fraudulent erroneous negative items on my credit. They are defaming my character and causing me harm
Product: Credit reporting or other personal consumer reports

I am extremely overwhelmed by the information that is being reported on my credit report. As I reviewed my report, I see that there are a lot of inquiries reporting on my profile. I am unaware of these creditor inquiries. I have reached out to the creditors that are reporting but have not gotten any responses back.
Product: Checking or savings account

So XX/XX/XXXX and XX/XX/XXXX i have a transaction to buy a shoes and this guys is legit on XXXX  big sneaker group so we talk and agreed on a transaction. So i send him the payment for the first shoe and added a another one. But then the next day he started ignoring me and eventually blocked me on XXXX. So i went to to cash app and file for dispute, and to my bank " bank of america '' but they ended up decided siding with the scammer and dont want to give me a refund. They keep on insiting to contact the merchant for a refund, the guy blocked me and I keep on telling them that. I reported it as fast as I can do it. Hopefully you guys can help me with my problem. Scammed amount was XXXX $ and XXXX $ that the bank refused to reimburse me. I have proof and conversation if needed.
Product: Mortgage

XXXX XXXX  transferred our account to another mortgage company. We were in a program with FHA and during this time we were on time with all of our payments. Sense the transfer they have reported that we are 90 days late on our payment which is incorrect. Our last payment was in XXXX right before they have transferred our account. We have proof that are payments were on time and want this correction reflected on my credit score.
Product: Mortgage

I was given Ocwen as a mortgage company and have had nothing but grief every since. For years I never missed a payment then I modified my due to losing a part-time of 15 years. I was told I was being charged for flood insurance, when in fact it was not needed. Later we were rezoned, I then purchased insurance through XXXX XXXX and sent Ocwen the declaration page for 3 months, and they said they did not get it. Finally XXXX took on the battle and I received some credit. However, in XXXX they hit me with a {$800.00} + mortgage payment due to escrow. The mortgage went from XXXX to XXXX + and my repeated request went unanswered. I was able to get this caught up in XXXX XXXX. I have spoken to XXXX managers on recorded calls who say the past due balance has been waived and I currently only owe XXXX a month. However, when I listen to the recorded billing information it gives one amount, my monthly statement says another, and I am continuing to receive, as recent as this morning harassing phone calls for a yet different amount. 
This company has XXXX complaints against, and it should be illegal to harass someone for XXXX different amounts on one mortgage. My credit is being ruined and nobody talks to anyone there. I have operator numbers and names of these supposed recorded calls. I only the monthly payment and can not get a response from the corporate office as to why I am being treated this way. I have never been late according to their representatives recorded line until XXXX when the escrow and flood insurance got confused. I just want them to stop harassing me and tell me the truth.
Product: Student loan

I filed an application for income driven repayment to access the public service forgiveness program in XX/XX/year>. I have 36 months of repayment banked toward the forgiveness. Based on information from StudentAid.gov my monthly repayment should have been calculated at the lesser of two ; 20 % of discretionary income or standard repayment for 12 years. My payment was calculated at {$660.00} a month, which would have my loan repaid in 7 years, before I could ever access the public service loan forgiveness program. I have called multiple times a month to both my loan servicer and Studentaid.gov to have the issue resolved. I have file two cases, resubmitted my repayment application 2 times, and contacted the omnibus. Everyone recognizes that payment amount is inaccurate, but neither agency takes responsibility for fixing it. I have been sent back and forth being told the issue had to be fixed by the other agency. I have asked to speak with supervisor or managers but have been told that those positions do not exist. I have instead had my loan on an administrative hold for 12 months trying to fix the problem, while my loan continues to accrue daily compound interests and I am unable to bank months of repayment toward loan forgiveness. I have not been given another option besides paying the higher amount or give up attempting to access the public service loan forgiveness program. I have no recourse for a mistake that wasnt mine but continues to cost me money monthly.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is in violation of multiple laws set forth by Congress in regards to the following account # XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( XXXX XXXX XXXX ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX XXXX XXXXXXXX ) shall not furnish any information relating to a consumer ( XXXX ) to any consumer reporting agency ( XXXX, Transunion and XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX XXXX  can not collect on a XXXX debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website. By XXXX, the IRS Clearly says a Cancelled debt or XXXX off is XXXX. The reporting of this account as a debt is inaccurate. I never received a XXXX from XXXX XXXX XXXX  for the cancelled debt in order to file as ordinary income. Where is my XXXX XXXX XXXX XXXX is clearly writing off debt with the IRS without XXXX out XXXX as required by the IRS. This is unsatisfactory! XXXX XXXX XXXX has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In XXXX XXXX XXXX terms and conditions they agreed not to share my information with non-affiliates. XXXX, Transunion and XXXX are not an affiliate of XXXX XXXX XXXX  nor are they bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non-written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non-written, verbal, and nonverbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( 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
Product: Credit reporting or other personal consumer reports

I do not condone the use of other peoples addresses, names and phone numbers for personal monetary gain. XXXX, XXXX, and Equifax are committing serious privacy violations against the people who have these addresses, names, and phone numbers. XXXX, XXXX, and Equifax must be fair and impartial and make sure my non-public personal information is accurate and other peoples nonpublic personal information is removed by correcting consumer reports and consumer files. 

REMOVE ALL NONMAILABLE ADDRESSES ( 39 USC 3001 ).

I ONLY HAVE ONE ADDRESS. REMOVE INACCURATE ADDRESSES THAT BELONG TO OTHER PEOPLE.

I ONLY HAVE ONE NAME. REMOVE INACCURATE NAMES : I ONLY HAVE ONE PHONE NUMBER. REMOVE INACCURATE PHONE NUMBERS I ONLY HAVE ONE EMAIL ADDRESS. REMOVE INACCURATE EMAIL ADDRESSES :
Product: Debt collection

To Whom It May Concern : I am writing regarding an entry listed on my credit report under your agencys name. I request that you provide validation of the alleged debt as I have the right to dispute its validity under the Fair Debt Collection Practices Act ( FDCPA ). Per 15 U.S.C. 1692g, please provide me with the following information : 1. The original agreement or signed contract related to this debt, showing that I agreed to pay the alleged amount. 2. The name of the original creditor and an itemized statement showing the amount owed, any interest, fees, or other charges. 3. Any documentation showing your legal right to collect on this debt. In addition, I have reason to believe that communication practices associated with this collection have violated my rights under 15 U.S.C. 1692c. If you can not validate this debt in full compliance with federal regulations, please cease all further communication regarding this debt, and have this entry removed from my credit report immediately. Please consider this a formal dispute. Any further reporting of inaccurate information to credit bureaus may constitute a violation of the FDCPA. Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. To following information on my credit report is the result of identity theft and should be blocked : This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed a FTC complaint which is attached. There is a FRAUDULENT accounts on my report which do not belong to me.

All required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency. In addition, I demand the following fraudulent ACCOUNTS be deleted from my credit report immediately. 
Please remove the following fraudulent accounts from my credit report : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. To following information on my credit report is the result of identity theft and should be blocked : This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed a FTC complaint which is attached. There is a FRAUDULENT accounts on my report which do not belong to me. 
All required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency. In addition, I demand the following fraudulent ACCOUNTS be deleted from my credit report immediately. 
Please remove the following fraudulent accounts from my credit report : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Checking or savings account

Citibank is refusing to pay out advertised promotion ( XXXX ) of {$400.00} for opening a new account, despite offer terms being met. 

Citibank states that the minimum balance requirement was not met for the stated terms. It only dipped under for a couple of days due to an erroneous account maintenance fee charged by Citibank, which I had to inquire about and have subsequently reversed by Citibank. 

I have called customer service numerous times and have not gotten anywhere, including a call with a 'manager ' on XX/XX/2018 in which he stated my dispute was re-submitted for review. Upon calling on XX/XX/2018 for a status update ( the date the manager had asked me to check in ), I was  informed that there was no record of the case being resubmitted. 

Would be happy to provide full account statements as proof of the terms of this offer being met.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am making this complaint of my own accord and do not consent to verification in response to XXXX : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX ; reporting inaccurate information on my credit report. Due to the many errors and derogatory information on this account it was to be removed by law ; as a certified letter was sent requesting such. They did not prove a method of validation with my signature nor any other means of validation. However, it came back " validated '' with the following fields being modified XXXX type of account XXXX actual pymt XXXX activity designator. And they added another line item account from the collection agency as a separate account now listed twice with the same account number. This does not constitute as validation for either. Now instead there are XXXX accounts with infractions. 

Both agencies are in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
XXXX XXXX XXXX XXXXi : XXXX XXXX XXXX open XX/XX/XXXX XXXX. XXXX XXXX XXXX : XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX Failure to respond satisfactorily with deletion of the above referenced accounts and a free copy of my report after the changes have been made will result in the above actions being taken against your company ( XXXX ). 

Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). Please note that I am keeping records and communication for the purpose of filling a future complaint and seeking litigation and {$1000.00} per violation. I will be seeking { {$1000.00} } per violation for 1. ) Defamation, 2. ) Negligent Enablement of Identity Fraud, and 3. ) Violations of15U.S.C1692g 4 ). Violations of 15 USC 1681b As I requested prior in writing via certified mail, as well as now here, I will continue to take this item further if needed. Once again, I demand that these accounts be deleted immediately or I will file litigation. As they sold the account numerous times, without my consent or acknowledgement the right to privacy according to 15 USC 1681a ( 4 ) I have never given this company the right to share my information XXXX ) According to 15 USC 1681b ( a ) ( 2 ) nothing can be reported on a consumer report without my written consent.