23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I've sent disputes regarding unknown and inaccurate accounts I found on my credit report, I feel like I'm being taken advantage of and being ignored of my disputes. Since I didn't received any response and its almost 90 days now. I Demand to REMOVE ASAP those inaccurate and unknown accounts or I will file a litigation.
Product: Debt collection

I am writing to formally dispute the actions of [ Midland Credit Management ], which I believe constitute unfair or abusive practices. Specifically, I am concerned about the use of threatening language in their communications with me, which I believe violates the Fair Debt Collection Practices Act ( FDCPA ). 

I have received multiple communications from [ Midland Credit Management ], including a recent letter dated [ XX/XX/year> ], in which they threatened to " pursue a lawsuit '' against me. The language used in this communication was not only alarming but also felt like an attempt to intimidate or coerce me into paying a debt under duress. I do not believe they have any intention of taking legal action, and I find their tactics to be both misleading and inappropriate. 

In addition, I want to note that I have previously filed a complaint against [ Midland Credit Management ] on [ XX/XX/year> ] regarding similar issues. Despite my previous complaint, the collectors behavior has continued and escalated. As a result, I am once again reaching out to the Consumer Financial Protection Bureau for assistance in resolving this matter. 

The actions taken by [ Midland Credit Management ] have caused me undue stress and anxiety, and I am concerned about their ongoing violation of consumer protection laws. I respectfully request that the CFPB investigate this matter and take appropriate steps to address this violation. 

I would appreciate your prompt attention to this matter and look forward to your response. Thank you for your time and assistance.
Product: Debt collection

told XXXX times to mail not call. XXXX time would not give me address to send cease of communications notice. would not provide address unless i " talked about the debt '' like did i think i did not owe the debt etc etc.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Wednesday XX/XX/XXXX I contact Trans union in regards to the excess of credit inquires on my credit report. I spoke to a rep By the name of XXXX XXXX. I explain to him clearly that the information on credit report was due to the recent security breach that Trans union tries to fix but failed miserably. Trans union has put this unverifiable inaccurate frivolous information on my credit report and refuse to remove. The unauthorized information has brought my score down 9 points. Here is a list of inaccurate inquires that are reporting. 

XXXX XXXX on XX/XX/XXXX XXXX XXXX REPEATED XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I was scammed on the app. When I submitted the request, I missed a few screenshots as proof. However, I contact cashapp afterwards and asked to add it. They said I could not and declined my claim. My account is also old and has completely inaccurate information. My last name is not even correct.
Product: Debt collection

NATIONSTAR ( AS AN ALLEGED MASTER SERVICER OF A REMIC TRUST AND ALLEGED ATTORNEY IN FACT OF THE SAME REMIC TRUST ) CONTINUALLY ATTEMPTS TO COLLECT AN ALLEGED DEFAULTED DEBT ON BEHALF OF ( AS AGENT ) XXXX XXXX XXXX XXXX XXXX XXXX, AS TRUSTEE OF AN UNKNOWN REMIC TRUST. 

XXXX XXXX XXXX XXXX XXXX XXXX IS NAMED ON ALL COUNTY RECORDED DOCUMENTS, AS THE TRUSTEE OF AN UNKNOWN REMIC TRUST. 

XXXX XXXX XXXX XXXX XXXX XXXX DOESN'T APPEAR ON THE XXXX XXXX HIERARCHY ( FDIC AND NIC ) AS A LAWFUL ENTITY OR AN ASSOCIATE OF THE XXXX XXXX FAMILY. 

XXXX XXXX XXXX XXXX XXXX XXXX DOESN'T APPEAR ON THE CALIFORNIA SECRETARY OF STATE REGISTRY AS A BONA FIDE LAWFUL ENTITY. 

XXXX XXXX XXXX XXXX XXXX XXXX DOESN'T APPEAR ON THE " SEC REGISTRY '' AS A BONA FIDE TRUSTEE OF ANY REGISTERED REMIC TRUST. 

NATIONSTAR FOR THE LAST 2 YEARS HAS REPRESENTED ITSELF AS AN AGENT FOR THIS " LEGAL FICTION '' AND PREVENTED US ( BY DISPARAGEMENT AND/OR SLANDER OF TITLE ) FROM SELLING THE PROPERTY IN QUESTION AND PAYING THE LAWFUL CREDITOR ( UNKNOWN AT THIS TIME ) TO DISCHARGE THE ALLEGED OBLIGATION BALANCE AND MOVE FORWARD WITH OUR LIVES. 

NATIONSTAR FOR THE LAST 2 YEARS HAS REPRESENTED ITSELF AS AN ATTORNEY IN FACT FOR THE " LEGAL FICTION '', AS TRUSTEE OF AN UNKNOWN REMIC TRUST. 

NATIONSTAR USED THE " FALSE '' PERSON RELATIONSHIP TO SUBSTITUTE IN A NEW DEED OF TRUST " TRUSTEE '' ( XXXX XXXX XXXX ) TO FACILITATE A FALSE FORECLOSURE ACTION AGAINST THE SUBJECT PROPERTY. 

THE REMIC TRUST FOR THE LAST 2 YEARS HAS BEEN IDENTIFIED ( COUNTRY RECORDER, MERS WEBPAGE, RECORDED DOC 'S ) AS THE " MORTGAGE ASSET BACKED PASS-THROUGH CERTIFICATES, SERIES XXXX XXXX '' THIS IS THE TITLE OF THE SECURITIES ( I.E. THE BRAND ), NOT THE NAME OF A BONA FIDE REMIC TRUST ENTITY ( PERSON ). 

THIS IS LIKE IDENTIFYING " XXXX XXXX '' AS AN OWNER/HOLDER OF DEBT AS OPPOSED TO " XXXX ''. THE ONLY DIFFERENCE IS THAT " XXXX XXXX '' IS A BONA FIDE BRAND OF " XXXX ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account number XXXX Has violated my rights. XXXX TransUnion Account # : XXXX Account Type : Installment Account Type - Detail : Auto Loan XXXX Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : 36 High Credit : {$10000.00} Credit Limit : {$0.00} Past Due : {$0.00} Payment Status : Repossession Last Reported : XX/XX/XXXX Comments : Voluntary repossession Returned voluntarily Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX
Product: Debt collection

On XX/XX/XXXX I filed a complaint against XXXX XXXX with the Better Business Bureau because I have no contractual agreement with them. XXXX XXXX did not provide me with the necessary documentation that I had a contractual agreement with them. XXXX XXXX only responds to this matter is that I need to fill out a consumer request form. I told XXXX XXXX I will not be tricked into signing anything with them because I do not have a contract with them. XXXX XXXX failed to validate a debt with this consumer and is causing defamation to this consumer credit report and name and would like the CFPB to have XXXX XXXX to remove alleged debt from this consumers report. The alleged debt that XXXX XXXX is saying that this consumer owe is {$6500.00} the dated open XX/XX/XXXX.
Product: Credit reporting

A new line of credit, XXXX XXXX credit card has been opened since XXXX. credit reporting agencies have not been documenting any of the information regarding this account.
Product: Credit reporting or other personal consumer reports

Due to a update of my credit report to all three credit bureaus. I founded numerous inaccurate/unauthorized fraudulent accounts. 
That are in violation of FCRA. 
15 USC 1681 Section 602 States I have a 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 of consent.

15 USC 1602 The terms : ( h ) " credit sale '', ( i ) " consumer '', ( j ) '' open end credit plan '' and " open end consumer credit plan '', ( p ) " unauthorized use ''  15 USC 1611- Criminal liability for willful and knowing violation ( 1 ) gives false or inaccurate information of fails to provide information which he is required to disclose under the provisions issued thereunder. 
Neither bureaus ( Transunion, XXXX and XXXX wasn't willing to accept my proof by phone or mail. That's why I'm submitting a letter as exhibit A. and exhibit B. is a complaint to FTC in Identity Theft .... 

Thanks In Advance!!!!
Product: Money transfer, virtual currency, or money service

On XXXX XX/XX/year>, I handed two cashiers checks totaling {$360000.00} to an agent of XXXXXXXX Bank of America, at a Bank of America branch in XXXX, CA near my home. I had previously opened a Traditional IRA account with XXXX and had deposited rollover funds using this same agent for the same type of transaction. The previous transaction had taken two or three days for the funds to appear in my account with no error, and the checks had come from the same credit union. However, the latest transaction is still in abeyance with no explanation. Of course, these institutions have a " stonewall '' type of interaction whereby customers can communicate only with underlings who apologize and say it will just take a little longer. But the reality is that, although XXXX confirms receipt of the checks, they are not depositing them in my account. My latest bit of information today was more of the same, just until Monday or Tuesday of next week. They have my funds and I have no recourse, and the clock is running on the 60 day time limit for deposit of rollover fund to avoid taxes. I do have photocopies of the checks in question.
Product: Credit reporting or other personal consumer reports

I filed a complaint to the credit bureaus regarding inaccurate data on my credit report. My complaint have been disregarded and Ive been receiving letters stating XXXX using a XXXX party. I have attached my ID and letters to this complaint for your review.
Product: Credit reporting or other personal consumer reports

To : XXXX FS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX Subject : Dispute of Late Payment Reporting Dear Sir/Madam, I am writing to formally dispute the late payment ( XXXX ) reported on my credit report associated with my account, in accordance with my rights under federal law. The reporting of these late payments may not comply with the following legal provisions : 1. 15 USC 1681, Section 602 : This section highlights Congress intent to ensure fair and accurate credit reporting and to protect consumers from inaccuracies that can adversely affect their creditworthiness. In accordance with the fair credit XXXX Account ( XXXX XXXX ), has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy.

2. 15 USC 1681, Section 604 ( a ) ( 2 ) : This section restricts the use of consumer reports to permissible purposes and emphasizes the importance of accuracy in credit reporting. 15 USC 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
XXXX. 15 USC 1666b : This section provides a grace period for payments to be considered timely, stipulating that creditors must account for delays in mail processing or other reasonable circumstances. 15 USC 1666B : A creditor may n treat a payment on a credit card420 account under an open end consumer credit plan as late It is my understanding that : The late payment ( s ) reported may not have been calculated in compliance with the statutory grace period outlined in 15 USC 1666b.

The reporting practices may not align with the standard of fairness and accuracy as required under 15 USC 1681, Section 602 and Section 604 ( a ) ( 2 ). 

I request that you conduct a thorough investigation of the reported late payment ( XXXX ). If the information is found to be inaccurate or unverifiable, I expect it to be corrected or removed from my credit file promptly, as required by law. 

Please provide documentation verifying the accuracy of the late payment ( XXXX ), including but not limited to : 1. Proof of the payment due date and the date payment was received.

2. An explanation of how the payment was deemed late, in light of the statutory requirements.

3. Confirmation of compliance with the legal grace period outlined in 15 USC 1666b.

Failure to address this matter accurately and promptly may constitute a violation of federal law, and I reserve the right to escalate this dispute by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory bodies.

Please respond to this letter within 30 days as required under the Fair Credit Reporting Act ( FCRA ). I appreciate your prompt attention to this matter and look forward to your resolution. 
Sincerely, XXXX XXXX
Product: Checking or savings account

Out of the blue my account was closed no funds returned, I called and tried to get assistance all they said was I'm sorry its closed smh
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion continues to violate my financial rights by tweaking an account past statue of limitation so many times that they are making me and this Federal Bureau Site believe that they are conducting an investigation and yet they are not. A mortgage account opened in XXXX was closed in XXXX and a new account was opened with a completely separate and new bank with totally different numbers and terms, yet the accounts are mixed and confusing in one. 

account in question appears with Transunion as : XXXX XXXX XXXX Mortgage # XXXX ... 

These two accounts, having never been properly separated and distinguished by Transunion as two different entities, remain displayed as one account. This is damaging to my credit repeort because of the fact that the OLD account contains negative information which is past the statues of ALL LEGAL limitations as well as FCRA law for appearing on my credit report. Yet, because the account was never properly separated by Transunion, XXXX XXXX or XXXX XXXX the account continues to show up as ONE ADVERSE ACCOUNT. IT IS NOT! 

I have raised this concern with the other bureaus and the issue was promptly repaired. Transunion understood the same situation had occurred with another XXXX XXXX mortgage account and that was promptly deleted, thankfully, and yet this one continues to disrupt my financial status and credit repeort. 

I have NEVER been late, not in the last 8 years, so the account which appears combined is contradicting that fact about me and is required to be deleted. 

I am about ready to sue this agency in small claims if they dont completely delete it because I have done everything in my personal power to be patient and give them ample time to investigate and delete and yet all they have thus done is delete a few months ' history here and there and that has been the extent of their miserable service to me as a financial consumer. 

I would like to also know If I may completely ban Transunion form possessing my information because it is apparent that they are completely irresponsible and careless of consumer protective guidelines, FCRA Law, FHA Law and also Federal Laws. I dont want a company like Transunion having the right to harbor my information if this is the type of company that they are. They are 1000 % disregarding my complaints and refusing to delete an account that is riddled with discrepancies, mixed information, old information and false information!
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted XXXX XXXX on XXXX XX/XX/2023 and was forwarded to Chairman 's Office. 
Received e-mail from XXXX XXXX in Chairman 's Office on XXXX XX/XX/2023. 
Responded to e-mail to XXXX on XXXX XX/XX/2023. Received voicemail from XXXX on XXXX XX/XX/2023 and responded. No response to e-mail as of XXXX XX/XX/2023. 
Received and responded to a separate voicemail on XXXX XX/XX/2023 without response.
Product: Debt collection

This letter is a formal compliant that you are reporting and incomplete credit information. 
According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following accounts be verified or removed immediately :
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23, I requested physical evidence to validate accounts : XXXX XXXX and XXXX XXXX XXXX from the credit reporting agencies. The documents were not produced. As per 15 US Code 1681 ( e ) ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
They have violated my consumer right by reporting false and inaccurate information on my credit report. 
Please see attached letter mailed and received by CRA.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach and request the removal of specific accounts and inquiries from my credit report, pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries were part of the data breach, and I believe they should be blocked and deleted from my credit file. 
The affected accounts are as follows : XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$530.00} XXXX. XXXX XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$3700.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$550.00} XXXX. XXXX XXXX  XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$760.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} Additionally, the following inquiries are associated with this breach and should be deleted : XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Checking or savings account

On XXXX XXXX an authorized charge was made from my chime account in the amount of {$40.00}. I was contacted by chime they adivised me to file a dispute, and they immediately sent me a new card. However I never delt with a dispute before I was scared and nervous I felt like maybe my money is not okay. They told me it would take a moment for the dispute because the transaction was not settled. Okay understandable the transaction settled chime never contacted me back. I HAD TO REACH OUT TO CHIME TO FURTHER THE DISPUTE. XXXX days later THEY DECLINED MY REQUEST AND TOLD ME THE HACKER WAS MIMICKING MY ACCOUNT ACTING AS IF THERE ME!!! Okay IF YOUR TELLING ME ITS A SCAMMER WHY HAVENT THEY CREDITED ME MY MONEY? This is UNACCEPTABLE I NEED MY MONEY. Not only THAT XXXX OF THE REPS XXXX  AND TOLD ME I NEED TO SECURE MY ACCOUNT MORE???? This XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my balance of {$460.00} to bring the account current to make my credit available balance to {$1000.00}. This payment was made before the statement date so that it would reflect account paid in full for the XXXX reporting to the credit bureau. I called XXXX  and asked why was my account reported 2 weeks earlier than its suppose to report I was told they dont know and that my score would report around the XXXX or XXXX of XXXX. Its now almost XXXX and my credit report still was not corrected to reflect that account was paid off before my statement date for XXXX. My account should show paid off in full for the XXXX reporting to the credit bureaus. So because they reported my account two weeks later it doesnt show my account with the payment I made.
Product: Student loan

I resubmitted paperwork for an Income Based Repayment Recertification ( IBR ) the first week of XX/XX/XXXX OnXX/XX/XXXX ; AES sent an email thanking me for submitting an Income Based Repayment Plan request and stated that once my request has been processed they will be sending me communication advising of the outcome.

On XX/XX/XXXX ; AES sent an email stating that my IBR request is on hold and they will process my IBR recertification request once the final bill of my current schedule is generated on XX/XX/XXXX and once they have processed my request they will send a follow up email.

When I log onto my AES Success account I noticed that a repay bill is due for XX/XX/XXXX and each time I have checked there is a different payment amount and date. It is clear that someone has been going into my account and tampering with it. Because of all the personal and sensitive information on this account ( social security number, birth date, etc. ) this is a breach of my privacy. I am also concern with the week gap between when AES is going to process my IBR plan and the scheduled due date of payment until they update my account. I do not want any negative reporting on my credit report because on their processing procedures.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX