23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I, XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt pursuant to 15 USC XXXX. I REQUEST THAT YOU PROVIDE TO ME VERIFICATION. 
OF THIS ALLEGED DEBT. VERIFICATION CONSISTS OF A FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED. 
Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt which includes reporting to my consumer report with XXXX, XXXX, AND XXXX. 
I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies.
Product: Credit reporting or other personal consumer reports

I have reach out via mail, and phone to all three of the credit reporting companies Transunion, XXXX, XXXX, the creditors, and collection agencies companies many times to advise that my identity has been stolen and the accounts reporting on my credit report does not belong to me I didn't benefit nor authorized anyone to use my personal information to obtain any account in my name nor under my social security number. I request that the information on my credit profile be removed and updated correctly. I also requested my wet signature on all documentation that was collected with my authorization to obtain access to my credit profile and add inaccurate information. They have all failed to remove and update my credit report correctly even after being informed of the fair credit act. Please see attached documents.
Product: Credit card or prepaid card

This is my 2nd string of phishing email from bogus Chase account & forwarded to XXXX. Will block sender, change email address & reset password. 


Begin forwarded message : From : Abuse XXXX Date : XX/XX/XXXX at XXXX XXXX  EST To : XXXX XXXX XXXX Subject : We received your message Thank you for forwarding the suspicious communication you received. If you need assistance or replied to a suspicious message, please visit chase.comXXXX 

You should continue to look out for email, calls, or texts that : - Ask you to provide your credit or debit card number, any personal information, such as your Social Security number or taxpayer identification number, or your chase.com sign in information, - Threaten to close your account if you don't send personal information immediately, or - Tell you that unauthorized charges are on your account and ask you to enter or confirm your account information. 

These communications are designed to look like we sent them, so be careful and report any that you receive. Chase will not ask you for personal information by communication. 

For more information and advice, visit chase.com/security. 

If you have an account-specific question or are notifying us of a complaint, please visit the Secure Message Center or call us so we may address your concern.

This is an automatic mailbox and replies to this email will not receive a response.

Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- I just called & confirmed my social security # was not being used. I started getting bogus messages below : XX/XX/XXXX, XX/XX/XXXX acct disabled, XX/XX/XXXX chase banking suspended, XXXX {$850.00} purchase @ XXXX. XXXX Begin forwarded message : From : " Chase '' XXXX Date : XX/XX/XXXX at XXXX XXXX EST Subject : We noticed unusual activity on your account If you are having trouble viewing this message, please click here. 
E-mail Security Information. 
CHASE We noticed unusual activity on your account, please review and verify transaction Please review the transactions below and confirm that these purchases were made by you or an authorized user. 


XX/XX/XXXX XXXX XXXX XXXX {$850.00} Note : Transaction descriptions and amounts displayed may differ once posted. 

Are all of the above transactions valid? Please login to update account or cancel transaction. 

Do you recognize the charge ( s ) above?

Yes I recognize all of the above.

No I do not recognize one or more of the above.

For your security, you may not be able to use your Chase Online or access your account until you have confirmed that the activity above is valid.

For your safety proceed to chase.com/verify to restore full access on your Chase account.

Thank you for choosing Chase.

Sincerely, Chase Fraud Prevention Department envelope-icon Keep your account information up-to-date. In the event of fraudulent or unusual activity, we'll need to know the best way to reach you. Log in to your account or click to Update now E-mail Security Information If you have concerns about the authenticity of this message, please visit chase.com/CustomerService for options on how to contact us.
Product: Checking or savings account

Wells Fargo Bank , National Association garnishment company trust account without reason or cause. The bank never provided the nature and cause for the transaction despite several calls and letters. The bank was informed of this mistake 2 days after the garnishment. The trust account banking information was shared with a third party despite not having the authority, a power of attorney over the account, custodianship was removed, and the trust was never a party to any kind of litigation. The bank also violated the Electronic Funds Transfer Act and closed the account without cause causing financial harm, stress, and hardship to me and my family. 

To settle the matter, Wells Fargo Bank , National Association was sent a registered security on commercial paper to satisfy any alleged debt to the indenture trustee. Wells Fargo, has violated the Federal Reserve Act section 16 and therefore per section 29 compensation must be given for the listed violations, return of all securities, and re-establish the trust bank account with good standing. I revoke XXXX XXXX XXXX all years and all periods of power of attorney.
Product: Credit card or prepaid card

Applied for credit card online from Citi and received denial letter. Letter stated " your existing or previous account with us has a history of late payments '' based off of XXXX report. Requested XXXX credit report, to review and found 0 late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported an alleged XXXX XXXX credit card account to credit reporting bureau for investigation. After the merchant, XXXX XXXX XXXX, erroneously reported 34 charge-offs On one credit card, Merchant refused to provide any 1099C as required by law and refused Validate said debt pursuant to the FDCPA. 
The merchant, XXXX XXXX XXXX  has already received a tax credit for the full Charge off amount which then is supposed to be filed on my taxes as consumer income after being charged off. Said merchant refused to provide 1099C and the credit reporting bureau did not properly investigate this issue. The credit reporting bureau continues to illegally report late payments and credit utilization on my consumer report. The XXXX XXXX account the credit bureau is reporting is in violation of 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) which states that my " consumer report should not include Transactions or Experiences between the consumer and Person making report. Transactions  subject to the foregoing include the line of credit extended to consumer by corporations and how it is used. This is being reported on my report by said credit bureau as " Payment history '' Experiences subject to the foregoing include the amount of credit being used by consumer. This is being reported on my credit report as " Credit utilization ''. Further, the credit reporting bureau continues to report late payments allegedly pursuant to my student loans on closed accounts. 
All of the foregoing violations are subject to 15 USC 1692 ( k ) and said violations are preventing me from getting credit and approved for financing. The Credit Reporting Bureau is damaging my credit worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The following items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items that are causing my score to droXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

My mother died on XX/XX/XXXX, and had what appears to be a predatory loan ( designed to fail ) with Wells Fargo Bank, which I thought was for a motor home purchased in XX/XX/XXXX, and would soon be paid in full. Even after providing Wells Fargo with my mothers Death Certificate, the Probate papers appointing me as the person of interest ( executor ) of her estate, and Durable Power of Attorney, Wells Fargo has been defiant at providing me copies of the complete loan papers, including moms signature and the Notary stamp/signature and dates. I have been requesting these papers since XX/XX/XXXX ; and Wells Fargo has promised them 1st on XX/XX/XXXX, then XX/XX/XXXX, then XX/XX/XXXX, then XX/XX/XXXX, and lastly on XX/XX/XXXX -- - all of which have passed with no loan papers being provided. 
This loan was supposedly originated on XX/XX/XXXX in the amount of $ XXXX@ 8.75 % ( variable XXXX + the XXXX XXXX   Offered Rate thru-a maximum of 14.750 % ) interest and on a 30 year Home Equity Contract ( home assessed value in XX/XX/XXXX of : {$71000.00}, or 104 % of the home 's assessed value ). At the time, my mother was XXXX years old, and receiving Social Security and a small pension, totaling about $ 1500/mo. The loan payments ( {$680.00} per month ) equaled about 47 % of her monthly income, would have matured when she was XXXX yrs old. 
Through the Probate attorney, I acquired a copy of the Deed of Trust, and through that, it appears the loan : ( 1 ) originated on XX/XX/XXXX, and ( 2 ) Was signed, but not dated by my mom on page 18, and witness signature spaces are blank ; ( 3 ) Was Notarized on page 19 XX/XX/XXXX ; ( 4 ) The Variable Interest rider is on pages 20-22 ; ( 5 ) Mom signed again on page 23, but again not dated, and no witnesses.

( 6 ) A Rider titled : 1-4 Family Rider is on pages 25-26 of the Deed of Trust, with no signature or Notary following.

( 7 ) The Deed of Trust is dated XX/XX/XXXX at XXXX XXXX, and cites 26 pages. The Deed of Trust, in fact, is actually 29 pages long. ( The three additional pages are court documents placing liens on her property. ) ( 8 ) XXXX XXXX XXXX XXXX is listed on the Deed of Trust ( Escrow? ). 
( 9 ) XXXX XXXX XXXX, XXXX is listed as Trustee of the Loan After 12 years of payments on this supposed loan, my mother still owed {$62000.00}, and had paid approximately {$100000.00} on it, and was then XXXX years old ( with 18 years left on the contract ), when she passed away. There is no indication that she purchased, or paid for, anything near this amount in this time frame -- - she basically lived a paupers life ( I sent her groceries and supplies ). 
Please help or advise, XXXX XXXX XXXX ( for XXXX XXXX, dcd )
Product: Debt collection

I am writing to delete the following information on my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make these charges. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal trade commission and I also have enclosed copies of the Federal Trade Commissions identity theft affidavit. Please delete the items as soon as possible.
Product: Credit reporting or other personal consumer reports

To whom it may concern : According to the Fair Credit Reporting Act, you have a responsibility to promptly delete any information which is inaccurate or incomplete from my credit report so it doesn't get reported. I understand that this is your responsibility under the FCRA, and even if an account has only been speculated upon or never confirmed in any way, the burden falls on you to provide evidence of its veracity before it can be placed on my credit report. The information in my credit report is wrong! It was never proven to be factual, so now I have decided that enough 's enough and will exercise my consumer rights. The following account allegations are either untrue, unverified and incorrect. Please remove them immediately or I will have no choice but to take legal action against you! 

XXXX XXXX XXXX Account # : XXXX Account Description : Individual The content mentioned above has never been certified to meet reporting standards. The data provided has never been proven to be accurate, complete, or up to date. In order to comply with any consumer legislation, documentation confirming compliance is required. 
The information supplied is insufficient and I demand that any wrong, incomplete, or unsupported material be deleted. 

Faithfully I have listed the concerns I have about your reporting in this document. It is not complete and does not meet my standards. According to the law, you and the data furnishers must certify all aspects of the required FCRA and Metro 2 compliance. This must be done in a truthful, correct, complete, and timely manner as to not violate my consumer and civil rights. 

XXXX XXXX XXXX Please send your written response to my address of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.
Product: Credit reporting

While window shopping for a car deal, during my discussions with the car salesman and even the financial manager, I was specifically told that my credit report would not be pulled so that no hard inquiry would result. However, the very next day I checked my credit score and it had decreased because of XXXX hard inquiries by the car dealership. I never authorized them to pull my credit report. I have written a letter to the car dealership and have even placed a call to speak with XXXX of the financial managers. The financial manager with whom I spoke told me that he was going to investigate. It has been over a week and nothing has been resolved. The XXXX hard inquiries still show up on my credit report.
Product: Credit reporting or other personal consumer reports

This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed this account yet delinquencies still reflecting on the account. This account is enrolled in autopay so there should be no reason for reported delinquencies. I attached the screenshot of my payment that is enrolled in autopay and confirmation email that the payment was received. The reported late payment should be removed from my report immediately. I am requesting that the error be investigated and corrected.
Product: Checking or savings account

In XXXX I decided to take advantage of Citi 's promotional offer of cash back by opening an account ( I actually opened 2 hoping to get 2 different offers one for checking and and one for savings. the savings cash bonus was through their website and the checking promo was mailed and has promo code on mailer. After opening and depositing the needed XXXX in both accounts, I noticed there was no confirmation about this promo. I inquired about this more than 10 times over the last 60 days to find out last night after hours of chatting with support and numerous phone calls that there is no promotion tied to either account and not only did I waste my time opening the account ( which was an unneeded struggle, but a whole other story ) but more importantly I was mislead to believe my money in these accounts would be beneficial to receive the cash bonus. Now I want to use the money in my investment portfolio and close accounts. My checking account is locked and wont let me transfer money out of, my saving will only let me wire transfer to external account by paying a fee. I just want my money in the safest way and accounts closed. I would love to get what was promised, aka the cash bonus. I feel I was scammed my Citi and I don't feel comfortable doing business with them. I am a heavy city card double cash card user and though it would be great to bank with them, I figured they wanted a customer that spent XXXX for personal use via credit card annually. I am disgusted with how they treated me and continuously hung up on my last night as I wanted answers to their XX/XX/XXXX up. I spent about 4 and half hours from about XXXX to XXXX XXXX  last night screaming until i was blue in the face. Something illegal was done on their end, in my opinion. they got me to open an account under false pretense and then hold my funds when I want them back. The only thing they could do is close my accounts and send me my XXXX grand via standard mail with no tracking info. which sounds like the most unsecure way to give a client their funds back. I don't understand why I can transfer into an account to open with out difficulty but changing the flow away from Citi became my worse nightmare last night. Not to mention it took time away from my busy schedule ( actually interrupted my expensive training session. I will gladly give more details if needed to conclude this case. I will probably stop using their credit card as well, spark has the same cash back reward so their is nothing special about CITI
Product: Debt collection

I have disputed this account with both synergetic communications and XXXX about them report inaccurately on my credit report and both have been giving me the run around and neither wants to update as settled. this is not I paid the settlement and neither has reported it to the credit reporting agencies. it reflect as not paid or settled on my credit report for all XXXX agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX I submitted the exact same dispute to both Experian and XXXX, regarding XXXX XXXX XXXX and XXXX XXXX. 

Both credit reporting agency websites rejected the documents I tried to upload so I mailed them via XXXX certified mail on XXXX XXXX, XXXX. I sent the same exact documents to both credit reporting agencies, and copies to XXXX at the same time. ( I had previously complained directly to XXXX XXXX. 

Transunion sent me a notice dated XXXX XXXX, XXXX that they had investigated my dispute and had DELETED both XXXX XXXX XXXX XXXX from my credit report. 

Experian however, notified me on XXXX XXXX, XXXX that they " reviewed the documentation I provided with my dispute, but have determined that we are not able to use it to make the changes or deletions you requested. We are contacting the furnisher of the information or the vendor who collected the information from a public record source. '' I received a notice dated XXXX XXXX, XXXX that Experian " updated '' the information in my report. The cover page of their notice states " OTHER ITEMS DISPUTED ARE NOT CURRENTLY DISPLAYING ON YOUR PERSONAL CREDIT REPORT ''. While I do not see XXXX XXXX displaying on the report, there is no indication in the report that they have actually deleted any information from my credit file. This seems to be a misleading statement intended to lead me to believe the information was deleted when it in fact is just not printed. 

Also, Experian explicitly stated that it " updated '' the XXXX account, but the information is not materially different to what they had before, which is still FALSE information. 

It is my understanding that if one credit reporting agency receives credible information that results in deleting accounts, then that credit reporting agency has procedures in place to notify other credit reporting agencies as well as the furnisher.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is an old account started in XX/XX/XXXXbut closed in XX/XX/XXXXbalance {$5300.00}. This account is more than 9 years old from XXXX XXXX. At this time the 3 credit bureaus are showing that this account is active as of XX/XX/XXXXwith Portfolio Recovery on my XXXX  credit report. In actuality, on the other credit reports there is proof that this the amount of this debt was lowered and closed as of XX/XX/XXXXby XXXX XXXX. XXXX XXXX stop credit reporting this account as of XX/XX/XXXX and passed it to Portfolio Recovery. I have not heard from Portfolio Recovery or XXXX XXXX please remove this debt from all bureaus and add the points FICO points back to my credit score accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXX has violated my right. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 602 A Section 2.

It also states a consumer reporting agency can not furnish a account without my written instructions.