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

This letter is about the following accounts : XXXX XXXX : # XXXX, which you claim, I owe [ {$1700.00} or my account was charged off {$1700.00} ], XXXX XXXX  XXXX : # XXXX, which you claim, I owe [ {$0.00} or my account was charged off {$0.00} ]. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection practices Act and the Fair Credit Reporting Act, along with corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, TransUnion and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of FCRA & FDCPA ; therefore if you can not validate the debt, you must request that credit reporting agencies delete the entry. 

Pending to the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond withing 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum {$1000.00} in damages per violation for :. Defamation. Negligent Enablement of Identity Fraud. Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ). Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 











Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Product: Debt collection

I had filed ID theft with all companies in 2015 with a police report. It took till someone was brazen enough to get my bank accounts turned over to them to have proof of theft. 
XXXX XXXX XXXX then knowingly sold the fraudulent debt to CFSI and gave me 30 days to dispute it. 
I went to the website as instructed on the letter and there they where more than happy to talk to me till I provided legal proof of what I was referring to and then they just disappeared and stopped talking. I was using their live chat. if I leave the chat it will show I ended the chat and there would be no proof I was on hold for over an hour. As I am writing this, I am still on hold and no answer from them. Chat timestamp, chat started at XXXX XXXX, XXXX XXXX to XXXX XXXX, no answer. Then the outcome is that they are sending the information to the client for approval. But they are the ones collecting the bill yet they have no control over the bill and act as if they do n't even own the bill. So now I am not even sure if this is a real company, I may have just given all my information over to someone very bad. 
When the chat ended I clicked the save transcript button and it took me to a page that said it was timed out. There was no time out, my internet was working just fine and I do not have a proxy. 
They did not want me to have proof of that conversation.
Product: Mortgage

In XXXX, we ( spouse and I ) took out a Home Equity Line of Credit with XXXX XXXX. PNC Bank took over our loan several years ago after the mortgage crisis. 
Our interest rates were XXXX 4.00 % XXXX years ago when interest rates were raised a quarter pt. by the FED to 4.25 %. 
We contacted PNC Bank and were told the fee to lock into a fixed rate was {$150.00}. We agreed to pay the fee. 
PNC Bank denied our request to lock into a fixed rate because we declared bankruptcy in XXXX. 
We were never late on any payment to XXXX XXXX, PNC Bank or XXXX. 
I lost my job as a government XXXX XXXX due to sickness and surgeries. I am receiving Social Security XXXX. 
Our credit rating is now good in XXXX. 
We contacted PNC bank and requested a fixed rate on our Home Equity Line of Credit every time the XXXX raised interest rates. Our interest expense on the loan is now 5.25 % with the current XXXX  increase. 
PNC denied us a fixed rate every time because we filed bankruptcy in XXXX. 
Earlier in XXXX we contacted the XXXX Department XXXX XXXX XXXX regarding our problem with PNC Bank. They notified us to contact CFPB because they have no jurisdiction over ( PNC Bank XXXX banks that are not licensed/chartered in NYS. Our loan has been and is for our primary residence in New York. 
The XXXX XXXX and House tax plan eliminates the deduction for Home Equity Line of Credit interest expense.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES ON MY REPORT, I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT AS WELL AS THIS PERSONAL STATEMENT. I AM A VICTIM OF IDENTITY THEFT AND ACCORDING TO THE FAIR CREDIT REPORTING ACT LEGALLY THESE UNVERIFIED & UNAUTHORIZED ITEMS MUST BE REMOVED! 

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

THIS ACCOUNT WAS OPENED UNDER MY INFORMATION AND THIS IS NOT MY ACCOUNT AND THIS IS SHOWING CLOSED AND LATE ON MY REPOER. THIS IS A FRAUD ACCOUNT AND NEED IT TO REMOVE FROM MY CRDIT REPORT. 
OPEN : XXXX XXXX AMOUNT : {$940.00} ACCOUNT : XXXX XXXX XXXX THIS ACCOUNT WAS OPENED UNDER MY INFORMATION AND THIS IS NOT MY ACCOUNT AND THIS IS SHOWING CLOSED AND LATE ON MY REPOER. THIS IS A FRAUD ACCOUNT AND NEED IT TO REMOVE FROM MY CRDIT REPORT. 
OPEN : XXXX XXXX AMOUNT : {$10000.00} ACCOUNT : XXXX XXXX XXXX XXXX AMOUNT : {$10000.00}
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 Account # XXXX, XXXX XXXX XXXX Account # XXXX , XXXX XXXX  XXXX XXXX Account # XXXX has violated my rights. 

XXXX5 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is ridiculous, and I am outraged as a Consumer, and a natural person who is aware of all rights that I have, which are protected by Congress and under the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, and FDCPA,15 U.S. Code 169215 U.S. Code 1692 - Congressional findings and declaration of purpose abusive practices - 15 USC 1692a ( 5 ), 15 U.S. Code 1692f - Unfair practices. XXXX. XXXX XXXX XXXX Account : XXXX XXXX. XXXX XXXX XXXX Original creditor : XXXX XXXX  Account number XXXX. 

It has been more than 60 days. According to 15USC 1618i ( a ) ( 1 ) ( A ) Experian, XXXX, and XXXX have 30 days to respond to my dispute. This is a violation of my rights in accordance with 15usc 1692b ( 5 ), 15 USC1692 b ( 2 ). It's a violation pursuant to section 623 of the FCRA.
Product: Student loan

Navient sold my loans to XXXX, and when I worked with them, and set up a payment plan in XXXX, I was told it was all of my private loans. It turns out that Navient held onto some of my private loans and is placing me in default for not making payments on them. This is on top of them refusing to communicate with me via email. On the phone they pressure me into payment plans, I refuse to negotiate on the phone because of the undue pressure and lack of opportunity to weigh my options.
Product: Credit reporting or other personal consumer reports

Unauthorized Inquires Delete 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : Since XX/XX/2016 I have sent numerous letters, proof of claims, and multiple request ( s ) for investigation or if unfounded, item deletion on the credit agency reports. Yet, these same items have not only been ignored, but remain on the report almost three years later!

No verification of item ( s ) reported have been forwarded, nor have these agencies complied with the FTC timelines thus, item ( s ) should in effect be removed.

So now my only recourse is my filing of complaint against the following credit reporting agencies ( all three ) : XXXX   : For nearly three years I have requested the following information, reported " negative '' be deleted if it could not be verified by the source. Not only has the information not been verified, it continues to show up on my report after years of letters, proof and documentation.

XXXX reports two bankruptcies that are inaccurate or erroneously documented XXXX  XXXX XXXX reported as Negative - not mine XXXX  XXXX reported as Negative - not mine XXXX  XXXX reported as Negative ( twice, same account ) XXXX XXXX reported as Negative - not mine XXXX   reported as Negative - not mine XXXXXXXX XXXX  XXXX reported as Negative - not mine XXXX XXXX reported as Negative - not mine XXXX : For nearly three years I have requested the following information, reported " negative '' be deleted if it could not be verified by the source. Not only has the information not been verified, it continues to show up on my report after years of letters, proof and documentation.

XXXX is reports two bankruptcies that are inaccurate, names and alias that are not correct, incorrect addresses, and five unverified negative accounts that have not been proven as mine, yet XXXX   refuses to investigate or delete! 

The only correct names that should appear are : XXXX XXXX XXXX XXXX XXXX XXXX The following accounts reported negative by Experian are not mine, nor is there any proof from XXXX  provided that my complaints have been investigated! 

XXXX XXXXXXXX XXXX reported as Negative - not mine XXXX  XXXX reported as Negative - not mine XXXX XXXXXXXX reported as Negative ( twice, same account ) XXXX XXXX reported as Negative - not mine XXXX reported as Negative - not mine XXXX XXXX XXXX reported as Negative - not mine Equifax : For nearly three years I have requested the following information, reported " negative '' be deleted if it could not be verified by the source. Not only has the information not been verified, it continues to show up on my report after years of letters, proof and documentation.

Equifax reports two bankruptcies that are inaccurate or erroneously documented CapitalOne account with incomplete information " paid as agreed '', followed by " negative ''. The account has not been verified as my account!
Product: Student loan

I was told that the loan was a grant, when I told them that I did not have a job, and I could not afford a loan.After 7 years passed they garnished my wages without any notification.
Product: Mortgage

On XX/XX/2020 I called my previous mortgage company, NewRez/Shellpoint Mortgage to advise them I was refinancing my loan and to not make the XX/XX/2020 county tax payment. The title company for the refinancing paid the county tax payment on XX/XX/XXXX and their system would have blocked any attempt by NewRez to send a duplicate tax payment. 

On XX/XX/XXXX I received my escrow refund from NewRez/ShellPoint for just {$3600.00} which is minus the {$8600.00} tax refund. I tried resolving this issue with NewRez by calling them to ask that they research the issue on their end and to send me the missing escrow funds immediately. I was simply told their records showed the payment was made and that there was nothing I could do but file a dispute. I said, " That's why I'm calling! '' They provided me with a fax number ( who faxes anymore? ) and an email address. I have emailed them my dispute which seems unfair since I already verbally advised them of my dispute by phone.
Product: Debt collection

Someone from the company visited my home and taped a " CONFIDENTIAL AND PERSONAL '' collection letter to my front door.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to the respective agencies regarding these items that aren't mine. I haven't receive any response from them since XX/XX/2022. I felt that I am being ignored and been taken advantage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I put a fraud alert on my credit records with XXXX, since they told me on the website that my data was compromised. I arranged to put a fraud alert on my records, which XXXX said would be shared with XXXX and TransUnion. I received a letter dated XXXX XXXX, XXXX telling me that the alert had been effected and that I should receive notification from the other 2 agencies. I had received an email confirmation from XXXX that the fraud alert was in effect. The letter from XXXX said that I should receive written confirmation from both of the other 2 reporting agencies and to contact them at the telephone numbers provided in the letter if I had not received such confirmation. I telephone TransUnion on XXXX XXXX, XXXX and, after wading my way through menus, finally got a human who confirmed that the alert was in place. I asked for written confirmation, either by letter or email to confirm that. I was told that they, TransUnion, was not providing any such confirmation and the only thing she could do was to give me my file number so that I could check in the future to see if the alert was in effect. XXXX told me that TransUnion is required to notify me in writing of this alert being in effect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a set of 4 loans that were delinquent at one point but since have been resolved. the agencies are reporting the very old accounts, the middle accounts, and the new ones. the same set of accounts appears 12 times. the initial accounts are far too old to be on my report. they were last active in XXXX of 2012. I have disputed the age of these and they say they are valid. there cant be 4 accounts listed 3 times each. with one set of three being over 7 years old.
Product: Bank account or service

The following is a letter sent to Wells Fargo Bank NA. It involve an erroneous report to the IRS by the bank. 

XX/XX/XXXX WELLS FARGO BANK N.A . 
XXXX XXXX XXXX XXXX, XXXX XXXX To Whom It May Concern : I am in receipt of a Notice of Deficiency Increase in Tax ... from the Internal Revenue Service. The increase in tax is based on a XXXX filing by Wells Fargo on XX/XX/XXXX claiming I received the benefit of a debt cancellation in the amount of {$8100.00}. 

I have NEVER had a debt owed to Wells Fargo Bank. I have not, to my memory, ever had an account with Wells Fargo Bank. 

The account information you provided to IRS is : XXXX SSN XXXX I am requesting that you rescind the aforementioned XXXX to IRS immediately to avoid any further harassment for a debt I never made. 


Sincerely, XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Tel : XXXX XXXX XXXX XXXXXXXXXXXX Cc Internal Revenue Service Citizen 's Financial Protection Bureau
Product: Mortgage

I 've been paying my mortgage since the first time i received my first payment letter, but now statehome mortgage has sold my loan and the new mortgage company is saying im 120 days behind. How is this when i have all bank statements confirmation emails etc, showing when ive paid my mortgage in full
Product: Credit reporting or other personal consumer reports

I was the victim of identity theft. Per FCRA section 605b you are required to remove any items listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of ITEMS which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX GA XXXXXXXX XXXX XXXX XXXX Balance Owed : {$2500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2500.00} XXXXXXXX XXXX
Product: Credit card or prepaid card

Discover Card advertised a promotional to open a new account. The ad ran as " dollar for dollar cashback match '' for the first year. I opened the account in XXXX. My first bill was for $ XXXX. I received {$.00} cashback match. Didn't make any sense so I waited for the second bill where I had charged $ XXXX and paid the bill two days ago, so reviewing the bill was fresh in my mind. I have an excellent credit rating. I was listening to XXXX apx. XXXX XXXX. this morning, CDT, Saturday, XX/XX/XXXX. The commercial again repeated, " dollar for dollar cashback match ''. I called Discover and was told it is not " dollar for dollar cashback match '' it is 1 % cashback match. 1 % of XXXX pennies is XXXX cent, not XXXX pennies. So my most recent bill was $ XXXX, my credit match is {$3.00}. This is NOT dollar for dollar. I explained this to two Discover agents, who reiterated the cashback match is 1 %, NOT " dollar for dollar cashback match '' for the first year, as repeatedly advertised. This is completely false advertising, a gimmick to hook in new customers and is completely false. Having repeated the same information 3 times to two different agents, I simply said, this is deliberate false advertising, am filing a complaint. No where on their commercials is 1 % cashback match EVER mentioned.
Product: Money transfer, virtual currency, or money service

I met someone on a dating app called XXXX and quickly started to get to know the person. We started to talk about our future and she mentioned that she would help me earn money through investing my current saved funds. She convinced me to wire money from my bank to my coinbase wallet and eventually to a trading account through this site : https : //www.coinbasetvte.net/ # /. I invested over XXXX $ into this and she helped me to make a " profit '' of XXXX for a total of XXXX. When I tried to access the money, the trading account " froze '' my funds and would not let release my money. They first convinced me to pay XXXX $ in " handling fees '', once this was paid, they claimed that I need to pay taxes on my profits with an additional XXXX XXXX Once I paid these taxes, they then went on to say that I need to pay a XXXX $ late fee for not paying the taxes on time. Even after all of this, they required me to pay a XXXX $ deposit if I wanted to access my funds. Once I paid the deposit, both the person I met as well as the trading site provided above stopped replying to my inquiries. I now have XXXX $ that I am unable to access. All of my wire transfers were set to buy XXXX and pay this trading account to the following address : XXXX. I am now at a significant financial loss with now way to recover any of the money that I have invested.
Product: Credit reporting or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.
Product: Credit reporting 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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX Balance : {$37000.00} XXXX XXXXXXXX Balance : {$50.00}
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights . 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

On XX/XX/18 I opened an account with a promotional code. 

As of XX/XX/18 I have satisfied the requirements for this promotion which were to fund the account with {$2000.00}, have 5 transactions, and maintain a {$2000.00} balance on the 60th day of account ownership ( XX/XX/18 ). 

On XX/XX/2018, I contacted customer support regarding this issue and they stated that there is no promotion attached to my account.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$4100.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  - {$17000.00}
Product: Vehicle loan or lease

XXXX XXXX Toyota of XXXX XXXX WI XXXX XXXX would not provide the necessary documentation to my bank to cut a check for a loan I was approved for. They said they would not accept outside financing for a vehicle purchase and attempted to force me to sign for a predatory loan double the APR of the one my bank would provide. 

I submitted a build order in XXXX and they would also not move the sale forward until I signed a form which included " optional accessories '' I did not want including a protective coat called XXXX. I asked if I could have this removed at time of sale and they said yes I could. 

When I said I had financing they were noncommittal on accepting it and said I should just take theirs and refinance later. 

When the vehicle was ready these both turned out to be lies. They said I had to pay {$4000.00} for XXXX or I could not have the car. They have also turned down several people using outside financing. 

I felt this was a scam and did not go through with the deal and lost the car.