23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I recent filed a complaint against XXXX XXXX XXXX and several other companies that has been harassing me. XXXX XXXX XXXX has been selling my information to different companies for different amounts of owed debt. I am not liable for the debt owed as explained and solved in my previous disputes. XXXX XXXX XXXX have tried to collect debt from me through 3 different companies and has been unsuccessful due to recent investigations. I disputed Sequium XXXX solution a company that was reporting for XXXX XXXX XXXX and trying to collect a debt in the amount of XXXX After a thorough investigation The account was deleted. There was also a company XXXX XXXX XXXX, inc contacting me about the same debt with a different amount for XXXX, threatening to attach an inaccurate account to my credit report. In the recent complaint I ask them to do not contact me, since then I have been harassed with letters. I received a copy of a bill which violates section XXXX. I canceled my account with XXXX XXXX XXXX XX/XX/2019 and returned the equipment due to the service not working properly in my area. XXXX XXXX XXXX attempted to go into my checking account in XX/XX/2019 and take an unauthorized payment after my service was canceled. I am not liable for the debt owed to XXXX XXXX XXXX. I was also told by a represented at XXXX XXXX XXXX that I would not be charge due to a technician having to come out twice in same month. After canceling my service I received a bill. Im now facing harassment for a new company XXXX for the same account but a different amount owed. I would like this company to stop harassing me about charges I do not owe and delete this inaccurate and negative account from my credit profile.
Product: Debt collection

The debt was paid in full and canceled after initial term. This is from XXXX  over XXXX years. I notified the collections company that the debt was paid in full after term was satisfied. It is an alarm monitoring company. They have contacted me via my personal cell without permission. I have disputed it on my credit report and have notified them to remove this within 10 days. 

The contact is XXXX XXXX  XXXX
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX Capital One N.A. 
XXXX XXXX XXXX XXXX, UT XXXX RE : Adverse Action Dear Capital One N.A., I, the consumer and natural person, was denied credit by Capital One N.A . when I applied for a credit card. 
Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k.

You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that i was discriminated against by Capital One N.A. due to the response I received.

Capital One N.A. is in violation of 15 U.S. Code 1642, U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was not issued.

Furthermore, because my social security number ( credit card ) was used and i received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Capital One N.A.

If Capital One N.A. fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make Capital One N.A. criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 1681o.

I will also follow up with an invoice for said violations ( { {$10000.00} } per violation ). 
Thank you, XXXX XXXX XXXX. 
Without Prejudice, All Natural Inalienable Rights Reserved
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$9000.00} XXXX XXXX {$8400.00} XXXX XXXX {$53.00} XXXX XXXX {$80.00} XXXX   XXXX {$4500.00} XXXX XXXX {$6700.00}
Product: Checking or savings account

I received an email on XX/XX/18 about an account that was opened at TD Bank a checking and a money market I have never open an account with them its not even a bank location close to me to even open an account
Product: Credit reporting or other personal consumer reports

I have continuously disputed the account XXXX in the amount of {$2800.00} from my credit report as the alleged debt does not belong to me. When I contacted the original creditor on XX/XX/XXXX, they were unable to locate any of my information including my name, date of birth and social security number in their database. When asked if I could get that information in writing, the representative stated there was nothing they could provide other than a verbal statement over the phone to whomever it concerned to know I did not have any previous account or current account with them. I have disputed this information off my credit report with Experian on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and previously on XX/XX/XXXX all of which disputes resulted in an " updated and verified '' status. When I followed up with another dispute, I asked Experian to furnish information with whom they verified this account with, and asked for a copy of the verification used to justify this account as mine. Experian, on all 5 attempts, failed to furnish the verification results to me, and continue to state this account has been verified and updated. Both XXXX and XXXX have completely removed this account from the reports on XX/XX/XXXX, however, Experian is the last one that still holds this account on my report and it is severely damaging my credit worthiness and they refuse to thoroughly investigate my disputes and I have submitted proof with the last three disputes that the other bureaus, XXXX and XXXX, have removed this account from my report. I have written letters to both the original creditor and Experian demanding this account be removed from my report as none of the information can be verified with any of my personal identifiers. My rights under the Fair Credit Reporting Act, specifically 15 USC 1681, have been continuously violated as Experian continues to report inaccurate information on my credit report and refuses to remove this account even with documentation from other bureau investigations that have proven this account doesn't belong to me.
Product: Debt collection

Today I received a credit monitoring alert stating that I have a delinquent account with XXXX XXXX ( c/o Resurgent Capital ). I have never had an account with XXXX XXXX nor do I have any account number associated with the reported account number on any of my credit reports. I also never received a debt validation request letter from XXXX XXXX ( c/o Resurgent Capital ) and am disputing the validity of this debt. 
In addition, on XX/XX/2017, I disputed the validity of another purported delinquent account with XXXX XXXX ( c/o Resurgent Capital ) with the Consumer Finance Protection Bureau so XXXX XXXX ( c/o Resurgent Capital ) is well aware of my address however, they intentionally and fraudulently failed to mail me any communication regarding this purported debt prior to reporting it to the credit bureaus.
Product: Money transfer, virtual currency, or money service

On or about Friday XX/XX/2023 I went into the PNC Branch XXXX XXXX XXXX. XXXX Pa XXXX. And once again the Bank Teller XXXX vindictively XXXX  up my deposit which was supposed to go into my Money Market / Savings Account as makes on the deposit slip. However instead she sends it to another account. And shes the most unprofessional bank teller Ive ever known because Im not there for a show n tell
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. Identity Theft XXXX XXXX  XXXX Account Number : XXXX As a consumer by law this account must be deleted. 2. Identity Theft XXXX Account Number : XXXX As a consumer by law this account must be deleted. 3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 9. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 10. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 11. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 12. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 13. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 15. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
16. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 17. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 18. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 19. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

n the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Product: Credit reporting or other personal consumer reports

I am writing to express my outrage over the inaccurate and completely unjustified late payment remarks that have been posted to my account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I demand the immediate correction and removal of these false claims, as they are damaging my financial reputation and are entirely without merit. 

To be clear, I have never missed a payment or been late on any of my obligations with your company. The remark made on my credit report/account that I was late on a payment for [ mention specific month/period ] is a blatant error and is an unacceptable misrepresentation of my payment history. I have always been diligent in making my payments on time, and any claim to the contrary is both false and damaging. 

This unjust remark is not only inaccurate but also harmful, as it impacts my credit score, lending potential, and overall financial standing. The fact that such an error could even occur on your part is inexcusable, and I will not tolerate this kind of negligence.

I hereby demand the following actions be taken immediately : Immediate removal of the late payment remarks from my account.

Correction of my credit report to reflect accurate payment history, ensuring no damage is done to my credit score.

Confirmation in writing that this error has been fully corrected and that no further harm will be caused by this mistake. 
A thorough review of your internal processes to ensure that such a grave error does not happen to other customers.
Product: Debt collection

I have gotten repeated calls and my daughter and my step dad have gotten calls from this company that calls themself a litigation company. XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX and they are using phone numbers XXXX, XXXX and XXXX. A man who calls himself XXXX XXXX told me that I owed a debt from XXXX XXXX Citi-Financial for over {$5000.00} and if I didn't pay {$2500.00}, they would take me to court and I would have to pay over {$10000.00}. They stated they mailed me something in XXXX but I never received anything, I asked them to email a validation of debt and they emailed me a document which looks like they created it, with the XXXX XXXX XXXX XXXX on top and the amount of {$2500.00} and they wanted me to sign this validation of debt which I did not. Then they kept calling me and telling me that I'm refusing documents so now they are going to take me to court and I will be served. I told them to serve me then because by law they need to show me validation of debt which needs to include a final statement from the debt, my last payment, and any charges associated with this debt and they kept saying they sent me this in XXXX. I called them back XXXX last time today to get all the mailing information so I could file a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Despite multiple written requests, the unverified account listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the TransUnion credit bureau XX/XX/XXXX, but no answer was received. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

bank : XXXX XXXX XXXX Bank Routing # : XXXX Account # : XXXX Bank Name : BANK OF AMERICAXX/XX/XXXX Bank Routing # : XXXX Account # : XXXX Bank Name : BANK OF AMERICAXX/XX/XXXX Bank Routing # : XXXX Account # : XXXX Bank Name : XXXX XXXX XXXX Bank Routing # : XXXX Account # : XXXX Bank Name : XXXX XXXX XXXX Bank Routing # : XXXX Account # : XXXX
Product: Credit reporting or other personal consumer reports

These latest years I have tried to get my FREE CREDIT REPORT from all XXXX companies and they PLUS also the " XXXX ( Government assisting website MAYBE? ) and also, after giving all info requested... I never received the credit report. 
The last time I requested from Experian and not receiving their credit report, I XXXX have called this time, or maybe online? and... I freezed EXPERIAN FROM GETTING INTO MY AFFAIRS just because they never complied with sending me my report to home in spite f having a long PAST record of myself and my home in FL XXXX, which I XXXX be selling very soon to become homeless and so I can use the money ( {$790.00} per month ) that goes to HOA/COA here in Florida to purchase, instead, a lot and place a shipping container to live in.

I will very much appreciate if you can do something to make/force these XXXX companies to send us our reports TO OUR HOMES AND NO MORE QUESTIONS ASKED ABOUT " WHAT WAS YOU LAST TRANSACTION, ETC, STUPID QUESTIONS '' WHEN THEY ALREADY CAN VERIFY THE PROPERTY OWNER AND ADDRESS AND WHATEVER OTHER MEANS ( SSA. IRS, WHATEVER ). 
SINCERELY,XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/17 I contacted Experian about unauthorized inquiries on my credit report. I spent almost a hour on the phone and waited for a supervisor so that I could dispute the unauthorized inquiries. The rep I talked to first told me I would be able to dispute or delete them with the supervisor and I was transferred and waited on hold for almost an hour. Once the supervisor got on the phone, he said he could not help me. Every inquiry on my report was not aunthorized by me except XXXX XXXX in XXXX 2017. Every other one is no authorized by me. I would like these deleted.
Product: Debt collection

i owed XXXX money regarding a medical leave payment discrepancy in 2014 - I was placed in collections and immediately paid the balance that was due. It is now 2 years later and I am trying to purchase a home and I am being denied by all creditors because it shows on my credit report that I owe collections money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Well to start this off this is my second complaint against Receivables Performance Management. In the first complaint I stated my issues with the company and they sent back a BOGUS response lacking in effort and hearsay.

The first time I spoke with RPM and ask for validation of this debt I was told that they had nothing just " NOTES '' again that is crazy that they are asking for money but cant prove this. Now when they are push to do their job I get a Bogus reply. Seriously they call and talk to someone at XXXX all of sudden and they tell RPM over the phone the charges but cant send any proof of this. This is all hearsay. For one what equipment? I want to know in writing what this is. Second there late fees on what some equipment I do not have .XXXX hasnt even sent me anything on this. 
When I call I get no where but RPM can call they have information? 
I sick of playin this game with BOTH of them. Now I want see a sign agreement, I want see something of the equipment I supposedly have, I want to know when the last payment was made. If these items can not be provided to me then I will take them to small claims court. This needs to be remove from my credit report ASAP.
Product: Credit card

I am going to keep this message brief and concise for this text field. For details regarding what happened, please refer to the attached document 'complaint-detail.pdf '. 

Date of transaction : XX/XX/year> Amount : {$230.00} Actions taken by you or the company : I attempted to dispute this credit card fee, but it was nonsensically declined even though I provided what was requested by Goldman Sachs Bank. Further details are provided in the attached file 'complaint-detail.pdf '. 

I have attached 3 files : XXXX  - This document contains the details of the issue intended for reading and review by the Consumer Financial Protection Bureau ( CFPB ). 

Documents Requested-merge.pdf & XXXX - These documents were requested by Goldman Sachs. These are the copies of the response I sent back to them for your refrence. I will further explain it in the XXXX. ''
Product: Credit card or prepaid card

As part of my closing and a refinance, BJs Master Card ( Comenity Bank ) was paid by the closing law firm of XXXX XXXX XXXX. This law firm sent BJs a payment on XX/XX/2021 after the refi. closing on XX/XX/2021. The payment was deposited into Capital Comenity Bank on XX/XX/2021 which would have given me a XXXX  balance. I needed this done to close on a new property I am in the process to purchase. I sent Comenity Bank a copy ( emailed from the closing attorney ) a copy of the check with their stamp on it, " XX/XX/2021, Capital Comenity Bank ''. Comenity stated it would be up 90 days for them to investigate where the money went. I'm still being charged interest fees on an account that should be showing a XXXX  balance. I've never been late on a payment, always pay more than the due amount, always pay early. I've been a great customer. 

Absolutely unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got my credit pulled due to a bill I received in the mail. I have never heard from the place before. I suspected identity theft. When I looked at my report I was taken by surprise on a couple of derogatory items that I've never opened. These things listed on my applications a.re not mine. XXXX XXXXXXXX XXXX XXXX  DEPTEDXXXX. US DEPT ED, XXXX. I have contacted the FTC and my local police and I am doing this all alone. Please remove these unknown items from my report. US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice that Pursuant to 15 U.S. Code 1681 ( b ) The Congress requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, and other information in a manner which is fair and equitable to the consumer with regard to the confidentiality, accuracy, relevancy and proper utilization of such information. You, EXPERIAN, XXXX, AND XXXX are not meeting my needs as a consumer or being fair and equitable by reporting inaccuracies on my consumer file ;
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB complaint as a follow up to the CFPB Complaint I recently submitted. I sent a letter on XX/XX/XXXX to remove the fraudulent accounts and information, specifically : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, ME XXXX XXXX XXXX XXXX XXXX, ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. These accounts and information are unknown to me. I came across this law and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ), as the XXXXredit Reporting Agencies , you are required to remove any accounts or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaints & I am including it again. I have provided evidence to support my claim that these items are fraudulent and do not accurately reflect my credit history.
Product: Debt collection

I recently submitted a dispute with XXXX about some negative accounts that Smith/Rouchon had applied to my credit reports. XXXX submitted the dispute and the company did n't verify the debt.. The items were deleted and an updated copy of my report was submitted to me via mail I 'm XXXX 2016.. Smith/Rouchon re inserted the negatives which cause a tremendous drop in my credit score. They never sent notification that they were adding the negative items back to my account and by. State law they have to submit notice to the consumer.. I am asking that the inaccuracies be deleted and not be put back on my reports from all XXXX bureaus..This company buys accounts for XXXX and add unnecessary fees and court costs.. they never provide me any services nor should I have to pay for services that were n't rendered from this company.. I am going to file a suit against this company for violating all laws..
Product: Checking or savings account

Chase sent me an email inviting me to apply for a checking account ( invitation code XXXX XXXX XXXX XXXX ) and I would received a new account bonus. I followed the steps and opened the account then received a message saying the account was opened but the bonus is not applied. This is bait and switch. Why would I not get the bonus after they invited me to apply?
Product: Mortgage

Arvest Central Mortgage unilaterally decided to pay my XXXX property tax bill in XXXX without my knowledge or consent after several years of paying it by year 's end. This will have significant impact on my Income tax.