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

My name is XXXX XXXX XXXX, I am the living man, executor, beneficiary of XXXX XXXX XXXX. It has come to my attention that although I have written several letters asking for validation of debt, audit trails si am not getting any response because of the automated system you have in place which in fact is a violation as well.. I am demanding these accounts to be removed immediately off my credit report as it is in violation to the following federal constitutional laws 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy.

I did not give consent to these accounts.

I have remained humbled despite the stress, abuse, and harm thee three credit reporting agencies have done to me. 


DELETE THESE ACCOUNTS :
Product: Money transfers

Hi, I remitted money through ach to my XXXX account. They give ref # XXXX and credit my account. So I transfer money from my account to other bank. After few days they called me your account balance in negative and send same amount again. I called them, they said your check has been bounce and they make reverse entry and more than XXXX as a penalties. I called so many times but they could not give solid answer.one said talk to your local bank.I went to my banker he said funds are sufficient and nobody demand for money.I again call today I said give me penalties amount back I will remitt money again.He said our supervisor will call you soon but nobody called me so far.I remitted money again.they gave me hard time.So I want penalties amount XXXX back that was not my fault.
Product: Credit card or prepaid card

Capital one is still committing scams against me, and is in effect intentionally ruining my credit score.

A few months ago, with zero warning, notice, zero phone calls, zero emails, zero communication, they cancelled all three of my credit cards with them which I had kept in good standing for years, and then claimed it was simply a business decision and nothing to do with my credit worthiness. 

Except they didnt close it to late fees and interest, theyve intentionally kept the cards ACTIVE on their end, just not usable on my end. Im still paying for these cards as though they are ACTIVE CARDS. Therefore, they report such things as over the credit limit knocking more points off my score- I HAVE NO CREDIT LIMIT. YOU TOOK IT AWAY. At this point It he abundantly clear you are just trying to get more and more money out of me someone who had been a good and loyal customer for YEARS, while destroying my credit- which was very very good until this happened! You are evil people and I am requesting you CLOSE MY CARDS AND STOP MAKING MY LIFE XXXX. I am also taking steps to move my checking account away from capital one and I will never ever do business with you awful people again. CLOSE THE ACCOUNTS.
Product: Credit reporting or other personal consumer reports

Description of the Issue : Incorrect account information/Not reporting correctly On XX/XX/year>, I noticed multiple accounts on my credit report that are reporting inaccurately. These accounts include [ list the accounts or the nature of the inaccuracies, such as incorrect balances, payment history errors, or accounts that do not belong to you ]. 
I have disputed these accounts with the credit reporting agencies on [ insert dates of your disputes ], but the inaccuracies have not been resolved, and the accounts remain on my report. 
Actions I Took : I filed disputes with Equifax, Experian, and TransUnion on XX/XX/year> The issues remain unresolved despite submitting all the necessary documentation to support my disputes. 
I have also contacted [ company names if specific creditors are involved ] to inform them of the discrepancies and request removal, but I have not received a satisfactory response or resolution. 
Legal Violations : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, credit reporting agencies are required to investigate disputes within 30 days and remove any information that can not be verified as accurate. The failure to remove or correct these inaccurate accounts violates my rights under this law. 
Resolution Sought :
Product: Mortgage

Dear CFPB, My complaint is with my mortgage company, SPS. 

Letter from SPS dated XX/XX/XXXX, states ... 
My payment currently is @ 3 % {$3000.00}. New payment is @ 4 % {$3300.00} effective XX/XX/XXXX and scheduled to go up XX/XX/XXXX, and again to increased to 4.125 % and is effective again on XX/XX/XXXX and scheduled increase again XX/XX/XXXX to {$3300.00}. 
I had applied for a loan mod back in XX/XX/XXXX, with no results. SPS wasn't clear with their requests each time they asked for additional info and I was returning info on XXXX paperwork, but later several months, found they wanted the info on their paperwork, even though info almost same, just not on their paperwork, so in the end my paperwork was thrown out. I had to start all over and this took me about a month to mentally wrap my head around the chore I had to do AGAIN, but after calming down and receiving their forms. I reapplied in XX/XX/XXXX, a few questions about my paperwork again, they seem to question my paycheck status, they question why was I missing paychecks, I explained I only worked two days in first quarter of this year and I highlighted the info describing that, like year to date # 's. Then they said I wasn't reporting workman 's comp checks. I explained, I am not reporting because I am not receiving, they found that odd for me not to be collecting. I explained I only work one day a week and I don't qualify, I only work one day a week because I am a full time mother to my XXXX year old with XXXX, trying to transition him into adulthood since the school district did not. Another reason I need help with my loan mod, because he has cost me $ XXXX recently for XXXX assessment and {$7500.00} for XXXX XXXX XXXX remapping to help him deal with real world. Finally it was in underwriting and they questioned that again. Finally, I find it is in its 30 day time frame starting XX/XX/XXXX, I received a resolution on XX/XX/XXXX explaining they were declining my loan mod. However, The amount they showed as income was {>= $1,000,000}, when in reality it is {$8500.00}, because I am not working nor am I collecting unemployment, this is a discrepancy, I called XXXX and they suggested I reach out to you.
Product: Debt collection

My XXXX XXXX credit card account, originally at XXXX XXXX XXXX, had missing statements ; address was being changed without notifying me, the cardholder. Amazing amounts of charges appeared & my requests for information as to what/when purchases were made, etc., were ignored. I ordered the account closed in XXXX & about $ XXXX in new charges suddenly appeared. Several monthly statements were still missing & I kept paying for the items I knew about, based on my records at that time. The bank & the account were bought by XXXX and the problem continued. There were several harassing phone calls each day, but I finally finished paying what I had owed, in XXXX. XXXX still refused to let me see what the fraudulent charges were for, and tried to sue me, until the alleged debt case was dismissed in XXXX Civil Court in XXXX. Several times since, different people have contacted me to claim I somehow owed them $ XXXX for this long-closed account. Now this XXXX Solutions company keeps having collectors try to intimidate me into paying what I can not owe. The XXXX demand form letter was delivered to an address I have never been associated with, and was recently forwarded to me by a concerned resident from the location it was delivered to. This looks like a criminal action on XXXX 's part.
Product: Debt collection

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXXADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX TODAYS DATE:XX/XX/ PORTFOLIO XXXX PORTFOLIO RECOV ASSOC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious PORTFOLIO XXXX PORTFOLIO RECOV ASSOC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. XX/XX/, in the U.S. District Court for the XXXX XXXX XXXX XXXX  Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/ ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX
Product: Money transfer, virtual currency, or money service

I was contacted on XXXX XXXX via my cell phone from a number identified as Chase Bank Private Client Services. The man identified himself as a Chase employee from the security department. He asked me if I had been using my card at a few merchants such as XXXX, XXXX etc. for large dollar amounts such as {$1000.00} - {$1500.00}. I was at home at the time and had not done the transactions. He asked me if I had the card in my possession and I did. He asked me to confirm the card number and I did. He then told me that there was a pending wire transfer for {$17000.00} and asked me if that was mine. I told him it was not. 

I do not know how this next part happened as I do not recall signing into my account via my phone. but there was a legit looking wire transfer screen that showed my account number, the dollar amount referenced above and an input field. He told me that I needed to input the wire amount into the box to put the money back into my account. I did this and I did see the money go back in and then the account zeroed out. I asked him why, and he said it takes a bit to redistribute the money as they had drained XXXX deposit accounts into this XXXX account. He kept me on the phone for about 15 minutes and then hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope this message finds you well. I am writing to address an ongoing issue that has persisted despite my repeated attempts to resolve it with your agency. Unfortunately, my previous filings of complaint have yielded no resolution, and the fraudulent items I reported remain unaddressed in my credit reports. I must emphasize that this is now the seventh time I am reaching out to you to request the removal of the disputed items, which were evidently the result of identity theft. As a victim of this unfortunate crime, I am determined to rectify my credit report and restore my financial integrity. I have taken all appropriate measures to address the identity theft situation, including filing an official report with the Federal Trade Commission as evidence of the unauthorized nature of these items. I firmly assert that I have not granted permission nor authorized any individual or entity to access my private and confidential records, especially the inaccurate information tarnishing my credit report. Accordingly, I demand the Experian, XXXX and XXXX Credit Bureaus to take immediate action in accordance with the FCRA Section 605b and promptly remove the following fraudulent items : EXPERIAN : XXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$72.00} XXXX XXXX XXXX Balance Owed : {$74.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/2017 Reference # : XXXX XXXX : XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$43000.00} XXXX XXXX Balance Owed : {$2200.00} XXXX : XXXX XXXXXXXX XXXX XXXX, MO XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MO XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$20000.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/2017 Reference # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

( 103 true Identity theft ) I am a victim of identity theft since XXXX i have try over and over to get these two information listed blow deleted due to fraud, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft also i am a victim of the XXXX Equifax data breach several accounts on my credit report are not mine listed :, also filed a FTC report and a Police report to support my claim heres my FTC Report NumberXXXX and Police Report number XXXX IVE CALLED Equifax AND XXXX over and over for the last past year going back in fourth i even called XXXX and XXXX which they both was unable to locate or verify any account using the same date of birth as me, my Equifax Confirmation # XXXX and My XXXX  Report Number XXXX ... ... .. 
Account name : XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX {$300.00} Account name : XXXX XXXX Account Number XXXX {$2700.00} XXXX XX/XX/XXXX ... .. 
these fraudulent debt is hindering my ability to apply for credit or even get a first time credit card for people trying to build credit, i don't know where to start or the next step to take to remedy this situation which has caused financial and emotional stress worst part i was denied a Job based on negative information on my report, i have been subjected to adverse action pertaining to the CRA 's reporting inaccurate information as a result of fraud am a victim of identify theft and will be placing a FRAUD ALERT on my credit reports IVE ALSO UPLOADED A COPY OF MY POLICE REPORT FILED WITH THE XXXX COUNTY SHERIFF 'S OFFICE AND MY FTC REPORT THANK YOU SO MUCH FOR THE HELP!!!
Product: Mortgage

Quicken Loans / Rocket Mortgage made a promise to me that they only sell the servicing of jumbo mortgages, and they will service my loan for the life of the loan. ( Call their sales department and ask if they will sell the servicing of the loan, they still make that promise ). They lied and sold it anyways to " XXXX XXXX XXXX '' who refuses to take payment or even put someone on the phone without paying XXXX. The terms of my loan are not supposed to change. 

Adding a XXXX fee is changing my terms. Lying about never transferring the servicing of the loan is also unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

Google play has a lot of fraudulent games online. I did my tasks to get {$200.00} into my XXXX account & the game wanted me to watch 40 videos. While there is a countdown to get my money. Watching 40 videos was not mentioned in the beginning. I have screenshots as proof each tasks. I have 20 screenshots more if needed I completed the 3 tasks
Product: Credit reporting or other personal consumer reports

We sold our home a couple years ago and there is a XXXX balance. However XXXX credit beureus are still reporting it even though we have a payoff letter from the mortgage company showing the XXXX balance
Product: Credit card or prepaid card

ON XX/XX/2019 MY DIRECT EXPRESS DEBIT MASTERCARD WAS STOLEN AND 5 FRAUDULANT CHARGES WERE MADE TO MY CARD
Product: Debt collection

I paid a settlement to XXXX XXXX XXXX XXXX XXXX in the amount of {$1800.00} in XXXX of 2021. They took this payment and i can prove the transaction. Yet the passed on my debt to another firm and i have a negative mark on my credit. This should have been cleared but they took my money and didn't clear the debt.
Product: Money transfer, virtual currency, or money service

Zelle not working to send or receive money when its needed - has happened a bunch of times.
Product: Checking or savings account

I made deposit at an ATM of a Chase branch at XXXX XXXX XXXX, XXXX, CA. After I put the money in, the machine was out of order and gave me a receipt saying to be sure your deposit went through, call at XXXX. I called right after and was told they needed a few days to investigate the amount of money in question. After several phone calls, they gave me a provisional credit of {$6200.00} and was told the investigation was over. I mode deposits in increments of XXXX dollar bills and put in {$7100.00} in total in my deposit. I followed up with another call a week later and JP Morgan Chase refused to do any further investigation.
Product: Credit reporting or other personal consumer reports

ok so the account in question here is " XXXX '', better known as XXXX XXXX. these people when I requested the debt to be validated they sent me every statement since the account was open. I asked for the public and private GAAP accounting records of the debt, the name of the original creditor and the name of the flesh and blood human being that validated the debt. furthermore, since this creditor has been reporting in accurate credit information from XX/XX/XXXX- XX/XX/XXXX, pursuant XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  . the reason why I am bringing this dispute forward to this corporation is for defamation and for financial injury. the fine is the extend of the damages incurred by the wronged party as deemed by the courts, pursuant to 15 USC 1692k ( 1 ) civil liabilities, ( 1 ) any actual damage sustained by such person as a result of such failure ; ANY being defined as unrestricted pursuant to XXXX XXXX XXXX XXXX. This would entitle me to a violation sum of {$34000.00} if this dispute is taken to district court and this corporation made to be held liable for this gross negligence of federal law. Further more, being that this corporation failed to provide enough proof to validate the debt and the credit bureaus continued to reported false and inaccurate information for an extended period of time that would make the credit bureau and this company both liable to violating FCRA 623, and pursuant to XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX filed ( XXXX XXXX. XXXX ), the reason for adding the violation to this dispute is due to defamation and willful injury. the fines that can be assessed for the violations are to the extent of damages incurred by the wronged party deemed by the courts. pursuant to 15 USC 1692k ( 1 ) civil liabilities, ( 1 ) any actual damage sustained by such person as a result of such failure ; ANY being defined as unrestricted pursuant to XXXX XXXX XXXX XXXX. this would be another violation sum of {$34000.00}.
Product: Debt collection

Amazon constantly calling saying I owe outstanding balance when I made payment. Amazon calls starting XXXX from different phone numbers even on Sunday. I make my monthly payments and for some reason there is always an outstanding balance
Product: Credit reporting, credit repair services, or other personal consumer reports

Consider this as my follow-up 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 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts XXXX. XXXX  # XXXX XX/XX/XXXX XXXX. XXXXXXXX # XXXX XX/XX/XXXX XXXX. XXXX XXXX  XXXX # XXXX XX/XX/XXXX XXXX. 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 Inquiries XXXX. XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report XXXX, hoping that you make a better decision in my situation, thank you