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

On XX/XX/XXXX or XXXX of this year 2020, I submitted a dispute letter to TransUnion, XXXX, and XXXX about inaccuracies being reported on my credit report. I included identification documents and a utility bill. I also included screenshots of the accounts and highlighted the inaccuracies being reported. I also requested copies of documents for each of the accounts including the Original Contract, Pay Off Disclosure, Interest Rate Disclosure, Balance History, Payment History, and Credit Insurance. On XX/XX/2020 i submitted a 30 Day Demand To Comply Letter. I am asking for the accounts to be deleted from my credit report completely immediately. I have not gotten a response from the company and it is past 30 days. Please help.
Product: Credit card or prepaid card

Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX CRA : XXXX XXXX XXXX XXXX XXXX, TX XXXX ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : ADVERSE ACTION DATED ( XXXX XXXX ) Recently, I, XXXX XXXX, XXXX XXXX an extension of credit by Childrens Place On ( XXXX XXXX, I applied for ( Childrens Place Credit Card ). 
As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). ( Childrens Place XXXX XXXX ) has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter you sent me dated XXXX XXXX ) is both a proof and evidence that I have been discriminated against, you are also criminally liable. ( Childrens Place ) should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 
Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. 
BEST, XXXX : XXXX Without prejudice, all natural inalienable rights reserved.
Product: Credit reporting or other personal consumer reports

MIDLAND CREDIT MANAGEMENT 's failure to provide evidence of the debts validity through XXXX, XXXX, and XXXX is consistent with their documented violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Consumer Financial Protection Act ( CFPA ). 

I am disputing a collections account reported by MIDLAND CREDIT MANAGEMENT on my credit report. I submitted multiple dispute letters to XXXX, requesting that they investigate the accuracy and validity of this account. 

However, XXXX, XXXX, and XXXX have failed to provide any documentation or evidence from MIDLAND CREDIT MANAGEMENT to substantiate the validity of this debt or demonstrate that it is accurate and enforceable. 

Despite my efforts to dispute this account, it remains on my credit report without any proof of its legitimacy. 

MIDLAND CREDIT MANAGEMENT has violated federal law by : Failing to properly investigate disputes or provide documentation to consumers. 

Furnishing inaccurate and unverified information to credit reporting agencies. 

Continuing collection efforts on unsubstantiated or time-barred debts. 

These practices align with the Consumer Financial Protection Bureaus ( CFPB ) findings regarding widespread violations by debt collection companies. I believe this account may be part of MIDLAND CREDIT MANAGEMENT 's ongoing pattern of unlawful behavior, as documented by the CFPB. 

I respectfully request the immediate deletion of this account from my credit reports with XXXX, XXXX, and XXXX due to its unverifiable nature and MIDLAND CREDIT MANAGEMENT '' s documented history of noncompliance with federal laws. 

Key Account Information : Debt Collector : MIDLAND CREDIT MANAGEMENT Account Number : XXXX Amount : {$3300.00} Debt Collector : MIDLAND CREDIT MANAGEM, which claims to have purchased an alleged debt originally from XXXX XXXXXXXX XXXX  Account XXXX Amount : {$650.00} Debt Collector : MIDLAND CREDIT MANAGEM, which claims to have purchased an alleged debt originally from XXXX XXXX XXXX Account Number : XXXX Amount : {$620.00} Certified Mail receipts with letters attached.
Product: Credit reporting or other personal consumer reports

There is a discover credit card listed on my credit report stating I owe a balance, I have no knowledge of this account
Product: Credit reporting or other personal consumer reports

The issue is my late payments are being reported XXXX XXXX XXXX by World Finance Corporation , but Congress advises that this information is private since its considered to be transactions and experiences between me and you as the financial institution that issued the credit, which is stated in the Exclusions of 15 U.S. Code 1681a - Definitions ; rules of construction.
Product: Mortgage

BACKGROUND : We are experiences problems with servicers : OCWEN Financial, PHH, XXXX, Attorney : XXXX XXXX and allegedly deed holder : XXXX attempting to foreclose on our home located at XXXX XXXX XXXX XXXX XXXX GA . I am XXXX XXXX Chairman of the Board of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( PRIVATE SPECIAL PRIORITY ) and the home owner along with my Wife XXXX XXXX. Our property is XXXX XXXX inside the of the aforementioned trust. In XXXX, we refinanced and then settle this mortgage with XXXX XXXX XXXX. The debt was settled with lawful money but a security deed was created by XXXX XXXX XXXX. XXXX  XXXX XXXX  went out of business in XXXXXX. Our research indicates that a security deed remained on our property even after XXXX XXXX XXXX  went of business. 

STATED BELOW IS OUR MAIN ISSUE : On or around XX/XX/XXXX, on behalf of XXXX XXXX, XXXX unlawfully executed an assignment from XXXX  XXXX XXXX to XXXX XXXX  XXXX XXXX XXXX AS TRUSTEE FOR XXXX XXXX XXXX , XXXX., MORTGAGE LOAN TRUST, SERIES XXXX. In our research, as detailed in the Pooling and Serving agreement ( On The SEC website and attached to this complaint ), the cut-off date for this Remic was XX/XX/XXXX with a closing date of XX/XX/XXXX. Adding this alleged loan roughly 9 years latter ( XXXX ) would have made the entire Remic defective ( ultimately collapsing this REMIC  ). As the XXXX identifies that moving this loan into this REMIC 9 years latter is impossible and totally unlawful.. 
During unlawful foreclosure attempts, XXXX XXXX is specifying that they are acting on behalf of XXXX XXXX  as attorneys In Fact for said Foreclosure. 

Prior to all unlawful attempted foreclosure actions, the XXXX XXXX & XXXX XXXX XXXX XXXX XXXX ( PRIVATE SPECIAL PRIORITY ) executed Revocation of power of attorneys for XXXX XXXX, XXXX, OCWEN, PHH, XXXX and all associated parties. They all received notification of these filings. XXXX XXXX has continued to proceed unlawfully. 

In contacting XXXX  XXXX, ( employee identifier XXXX ) informed us that the investor ( Secured holder of mortgage ) was XXXX XXXX and NOT XXXX. 

While the documentation sent to us by XXXX ( identifying themselves as the servicer ) specifies that XXXX XXXX  is the investor/Secured creditor. The information that we've received is all over the place. In Contacting XXXX customer service ( XXXX XXXX ), specifies no loans associated with our names, address or SS #, In Contacting XXXX XXXX  ( XXXX at XXXX ) and XXXX XXXX, specifies no loans associated with our names, address or SS #. 

In Contacting XXXX XXXX ( Customer service XXXX ) specifies no loans associated with our names, address or SS #. 

CONCLUSION : Our original loan # XXXX XXXX/PHH/ OCWEN are attempting to assign us a new account number of XXXX XXXX XXXX , OCWEN FINANCIAL , XXXX , PHH , MERS are all colluding to defraud XXXX XXXX and XXXX XXXX XXXX. 

BTW : PHH, XXXX are owned by OCWEN Financial
Product: Credit card or prepaid card

Re : Unauthorized Debit Dear Sir/Madam : Please be advised the purpose of filing this complaint with your agency is to seek your assistance regarding an unauthorized debit by ( Chevron ) a merchant. It was on XX/XX/2019, when the merchant ; Chevron fraudulently processed an unauthorized payment for the amount of {$470.00} which was immediately debited from my checking account. 

Most importantly, the correct payment I authorized was for exactly {$27.00}. Due to their computer system malfunction ; it processed the incorrect amount. As a result of the wrong payment being processed and submitted to my bank ; I was hit with an NSF OD Fee of {$36.00}. To make matters worst, Chevron refused to void the drafted payment and credit my checking account. 

Furthermore, I would greatly appreciate your assistance in investigating this matter. I am requesting to have this item reversed and have said funds credited back to my account. This ordeal has caused me unwarranted inconvenience and stress ; due to the fact that I live on a fixed monthly budget. 

Thank you in advance for your prompt response and I look forward to hearing from you very soon. 

Respectfully, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

During the month of XXXX I paid {$19.00} for a sent a certified letter to the credit bureau XXXX and Experian on XX/XX/19. I received confirmation for XXXX with the tracking number XXXX and for the letter with Experian XXXX were delivered on XX/XX/19. I paid my credit monitoring account {$29.00} today to review my credit report with XXXX and noticed that the invalid/fraudulent accounts has not been deleted nor have I received any correspondence from them to my address. According to the Fair Credit Reporting Act, Section 611,  XXXX and Experian has 30 days to investigate and delete the disputed items. It is not XX/XX/19 and it has been over 60 days and the items are still being reported on my credit reports and causing unnecessary health strains on me as a consumer. I am filing a complaint with the Consumer Finance Protection Bureau to get the help I need since my rights have been violated.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX, XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Experian credit reporting agency, block information appearing on my consumer credit report that is the result of the data breach & identity theft within 4 business days of you receiving this complaint. These addresses XXXX XXXX XXXX XXXX Mi XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX, These accounts are inaccurate, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX These accounts have resulted in several breaches, & fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, data breaches, identity theft, and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and are the result of a data breach and identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm sure you 've received this well over 10,000 times but Equifax decided to either not invest in the proper security measures for 143 million Americans private information ( I am one of those ) or they were grossly negligent in protecting that information. 

After Equifax was hacked I found out my information could be in jeopardy from a thrid party news outlet and was NEVER notified by Equifax that my private information was potentially breached. I had to hunt down a link to their website and check manually with Equifax and their poorly engineered website for this crisis. 

After reading into this problem I 've learned the information was stolen well over 30 days ago and now thanks to my own due diligence I am now aware that my information has been potentially stolen. 

Equifax has failed to protect my personal information. Equifax has failed to give me proper notification of potential stolen information within a reasonable time frame. Equifax has failed to give a clear remedy for this entire situation. 

Are the credit bureaus too big too fail?
Product: Debt collection

Dispute initiated XX/XX/24 As of XX/XX/24 verification of debt and removal of inaccurate collection account has not been resolved or removed by XXXX.
Product: Credit reporting or other personal consumer reports

This morning, I found unauthorized inquiries on my credit report and have no clue where they came from. My credit report usually checks out, but now these discrepancies appeared without explanation. Refreshing my browser didnt fix anything, and the unauthorized inquiries stayed. I urgently need you to check the documents Ive submitted so I dont have to deal with this stress anymore.
Product: Mortgage

I have a 2nd mortgage with Nationstar Mortgage. My first was refinanced in 2014. I have been trying to refinance or modify this one for 2 years. Nationstar keeps telling me that the investor does n't participate in modifications and is n't willing to refinance. They refuse to help me or tell me who the investor is. Meanwhile, I have n't made a payment in 2 years and my credit is taking a hit every month. I 've been denied loans, credit, housing and jobs because of how this is showing up on my credit report. I 'd think the investor would like to get something rather than nothing. But, not one of the 4 people who have serviced my loan during this time has helped.
Product: Checking or savings account

I am a victim of crime, and I am currently seeking support from XXXX XXXX which is an organization that helps victims of XXXX XXXX XXXX XXXX XXXX. Because of my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am currently filing a report against my job for retaliation And have been unable to successfully pay my bills. I have accumulated over {$300.00} in NSF fees, which is a substantial amount of money. Some of these fees were for very small amount ACH transfers. For example, there was a {$29.00} charge for a XXXX dollar ACH deposit into my XXXX XXXX asked multiple times to reverse the fees and explained the situation to multiple employees of Suncoast credit union. They mentioned that they could only waive XXXX NSF fees. After numerous times, the maximum amount that I was able to wave was XXXX, and after that they kept mentioning that there was nothing that they could do and that I should prioritize managing my budget. I would like to reverse these fees as they are very overwhelming and I am currently unemployed. I feel lost and helpless and need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the Fair Credit Reporting Act as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, non-written, verbal, and non-verbal per 15 USC 6802.

Per the Privacy Act of 1974 as a federally protected consumer, it is my right to privacy.

Per the Security Exchange Act of 1934, the certificate of indebtedness once deposit any credit balance on the account over {$1.00} should be credited to I the consumer. As the consumer in this credit transaction, I can not be late on a balance due to me the federally protected consumer. I have not received my check.

Stating the consumer owes a debt that the financial institution agreed to discharge is a violation of oath by the trustee and their fiduciary duties.
Product: Credit reporting, credit repair services, or other personal consumer reports

I live in XXXX  and who ever stole my identity has used these card in a different state the lady at customer service said they were never used in XXXX. I now my wallet was stole out my car at the park some time ago. The police came out and took a report and the ins company fixed my window.
Product: Debt collection

TaxServ XXXX XXXX, LLC sent a letter dated XX/XX/XXXX to collect a debt of tax owed on a vehicle totaling {$430.00} from the years XXXX and XXXX from XXXX XXXX CT. I sent a letter requesting validation of the debt via certified mail post-dated on XX/XX/XXXX. I did not receive a response until XX/XX/XXXX in which the company sent another bill demanding payment, without validation of debt, and stated that they had not received a response from me to their original letter. This is false as I have proof of delivery of my written statement to the company, confirmed delivered to their offices on XX/XX/XXXX in XXXX XXXX, CT. The company failed to provide validation of the debt within an appropriate timeline ( 30 days from written request ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX The basis for my dispute is ALLEGED balance of $ XXXX was required to notify me prior to XX/XX/XXXX, or no later than 30 days after XXXX XXXX XXXXfailed to notify me about reporting derogatory info. to XXXX, Experian In section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative derogatory 30, 60,90,120, 150, CO information to a consumer reporting agency described in section 603 ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( I ). Plus broke commercial law under UCC 9.501 that all notices were timely and properly given by dated certified mail receipt. They were not met. I asked for documentation & received no response. 


Also, XXXX XXXX XXXX '' failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of LA allows treble damages. 

Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) XXXX XXXX XXXX failed to send me my initial communication before placing this alleged derogatory 30, 60,90,120, 150, CO status on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 

I attached a copy of the law and the actual document from the federal reserve, also XXXX XXXX 's deletion letter for all credit bureaus XXXX XXXX XXXX is held liable as well for defamation and in the state of LA a creditor is who collects their on debt is considered a debt collector under FDCPA. XXXX v. XXXX XXXX XXXX ( Tex.App-XXXX XXXX XXXX reh.den. ) citing XXXX v. XXXX XXXX XXXX XXXX ( Tex.App-XXXX XXXX writ dism 'd w.o.j. )
Product: Credit reporting, credit repair services, or other personal consumer reports

On Thursday XX/XX/2018 I reached out to this bureau to request that fraudulent student accounts that are reporting on my credit file be blocked pursuant to section 605B of the Fair Credit Reporting Act. They did remove some but not all of the fraudulent items. 

They did not remove : XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, or XXXX  XXXX XXXX I would like to request that these items be block in accordance with section 605B of the Fair Credit Reporting Act. 

I would also like to request a copy of the investigation including the company ( s )  they are receiving this fraudulent information from.
Product: Credit reporting or other personal consumer reports

On my credit reports its states that my first date of delinquent is XX/XX/XXXX, which is not true. 

I have made two payments since XX/XX/XXXX which were on XXXX {$310.00} and XX/XX/XXXX {$310.00}. Car sold account balance paid in full XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Reinvestigate unverified accounts 

XXXX  XXXX  : unverified XXXX XXXX: unverified XXXX XXXX XXXX XXXX: unverified XXXX XXXX : unverified XXXX XXXX unverified 
XXXX: unverified
Product: Mortgage

On XX/XX/XXXX XXXX I was given a loan payoff quote for {$260000.00} good till XX/XX/XXXX. 
I sent 3 payments starting on XX/XX/XXXX of {$67000.00}, XX/XX/XXXX {$100000.00} and the last payment on XX/XX/XXXX for {$100000.00}. I sent the payments through online bill pay because the max amount allowed to sent was {$100000.00} thats why I sent 3 payments and also the payoff quote did not specify the money had to be in one lump sum just be there by the XX/XX/XXXX. When the first payment went through they took out {$980.00} in interest. This should of not been done because I already made XXXX payment on XX/XX/XXXX. So they took XXXX interest when they should not of plus theres only 14 days between XX/XX/XXXX and XX/XX/XXXX and the calculation of interest taken is incorrect. I called them on the XX/XX/XXXX and asked why my loan is not paid off and they said they had to forward this matter to another department and can take of to ten days. I called today XX/XX/XXXX and they said I will get a call back from a supervisor and never did.
Product: Credit reporting, credit repair services, or other personal consumer reports

Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. 

TRANSUNION, CREDIT REPORTING AGENCY, ARE BREAKING THE LAW AND ARE COMMITTING FRAUD AS YOU NEVER validated or verified these public record entries on my credit report which is a violation of violation of 15 USC 168la ( e ). An investigative consumer report is when any portion of which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

TRANSUNION is also violating 15 USC 1681b ( a ) ( 2 ) considering you do NOT have my consent to furnish any information. Per 15 USC 168c ( a ) Bankruptcy information is Excluded from the consumer 's report. 

TRANSUNION, CREDIT REPORTING AGENCY and your fraudulent activity and continuous violations are causing me great injury as you are preventing me from receiving credit to support and sustain my family. I need the bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately
Product: Credit reporting or other personal consumer reports

Per the Federal Credit Reporting Act as a federally protected consumer, per 15 USC 6802 I'am now OPTING OUT of ANY AND ALL Authorization I, the consumer may have given to XXXX written, unwritten, verbal or non verbal to report my nonpublic personal information. XXXX is in violation of the Privacy Act of 1974 as well as 12 CFR 1022.24 Reasonable opportunity to opt out because I was never notified by XXXX  that my nonpublic personal information was going to be shared to non affiliated third parties such as the XXXX credit reporting agencies, and I was NEVER GIVEN THE CHANCE TO OPT OUT. Also, 15 USC 6508 states that I have the option to opt out of any account reported to my credit report and I am supposed to receive an opt out notice every XXXX ( XXXX ) days which XXXX never sent to me. I am hereby exercising my rights under 16 CFR 313.7 Form of opt out notice to consumers. Also, XXXX violated the terms and conditions within their contract, because XXXX states that they do not provide consumer information to third-parties which they violated by reporting my nonpublic personal information to the credit reporting agencies listed above. According to 15 USC 6802 B ) I am supposed to receive XXXX different disclosures before my nonpublic personal information is shared but I never received notice. I want this account removed per the laws I stated above within XXXX hours and the account # XXXX. I will acquire a certified audit report on this loan and file a SEC complaint and upload the report as well if this account is not removed.