23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have filed 3 previous complaints with the CFPB regarding Cavalry Portfolio and it 's affiliates. See CFPB complaint numbers # XXXX, # XXXX, and # XXXX, for more details. Cavalry Portfolio and it 's affiliates continue to commit the crime of " extortion '' by reporting false information on my credit report as well as no telling how many other victims. Cavalry Portfolio and it affiliates continue to respond with the same false excuse. In complaint # XXXX, I specifically requested certified account level documentation and Cavalry failed to provide it because they can not, which is illegal and the crime of " extortion ''. Proof of the " extortion '' is still being reported on my credit reports very easy to prove. " Extortion '' is a felony crime that ALL participating involved employees with Cavalry Portfolio and it 's affiliates need to be held accountable for. Civil Court Juries have awarded large amounts of money in lawsuits based on these type of practices by junk debt buyers. I know very well that the CFPB has held Cavalry Portfolio and it 's affiliates accountable in the past and imposed heavy fines on them as the agency should. I have heard that President Trump is going to use his authority as President of the United States to stop the " extortion '' by junk debt buyers. Such as to what Cavalry Portfolio and it 's affiliates are illegally doing to the American people. I am also going to contact Missouri State Attorney General, XXXX, Missouri US Senator, XXXX and Missouri US House Representative XXXX regarding the continued illegal practices of Cavalry Portfolio and it affiliates to aid in new tougher regulations being imposed on the junk debt buyer industry to protect the citizens of the USA.
Product: Debt collection

Called my son-in-law earlier today, and also my daughter later this afternoon and stated that if I did not call by XXXX a warrant would be issued XXXX. He knew the last XXXX digits of my social, and my birthdate, which he shared with those that he called. Stated he was a private investigator. Reverse phone look-up indicates Empire XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$55000.00}, {$28000.00}, {$5900.00}, {$24000.00}, {$9900.00}, {$0.00}, {$0.00}, {$0.00}, {$15000.00}, {$1600.00}. 
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the enclosed information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit report you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Enclosed is a list of negative items that need to be re-investigated. 

Under federal law, you have 30 days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your re-investigation. Please remove the fraudulent information immediately from my file. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS XXXX. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with balance of {$55000.00} -This is not my account. 











XXXX. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with balance of {$28000.00} -This is not my account. 

XXXX. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with balance of {$5900.00} -This is not my account. 



-- PERSONAL LOANS XXXX. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with balance of {$24000.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with balance of {$9900.00} -This is not my account. 

XXXX. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with balance of {$0.00} -This is not my account. 

XXXX. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with balance of {$0.00} -This is not my account. 

XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with balance of {$0.00} -This is not my account. 

XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with balance of {$15000.00} -This is not my account. 















-- COLLECTION ACCOUNT XXXX. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with balance of {$1600.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

My identity was stolen and my social security number and name were used to open a credit card with Jp Morgan Chase bank. The address used on the account is an address I have never lived at. I contacted the bank to try and resolve this and they were unhelpful and claim that I did open the account. I have done everything I know to do to try to get this resolved. I did not open a credit card with this company. This has ruined my credit and they have done nothing to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am making my payments on my valid accounts on time some how all my good standing accounts are showing payments not made but my creditors did not report missing payments. So everything that Im doing good the credit bureaus are reporting bad. On at least approx 7 good accounts. And their in dispute without me disputing and not showing what the dispute is. So my scores in one day went from XXXX to XXXX. This isnt right Im trying to build my credit from identity thief. Im trying hard from being stolen from and now the credit bureaus are cheating me. I am at the last part of getting a refi and this happen I just want to have good roof and my home to have some updates.
Product: Credit reporting or other personal consumer reports

Reviewed most recent credit report from ( insert credit name ) and I noticed inquiries that did not belong to me. After reaching out to the creditors, I was advised they did not have a record on file of me ever applying for credit with their company. The creditor advised me to contact the CRA to have the inquiry disputed and investigated as they do not have the ability to do so. 

After contacting the CRA I was meant with push-back even though I expressed the inquires in questions did not belong to me and the creditors agreed the inquiries are not attached to any file or application they have with my personal accurate information.

Per 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Product: Mortgage

LOAN DISCLOSURE FRAUD ~ ILLEGAL PURCHASE AND SALE OF A FRAUDULENT LOAN. 

ATTACHED IS THE HUD STATEMENT FOR XXXX, XXXX FL. IT WAS DISCLOSED WITH ESCROW ITEMS LEFT OFF, MAKING THESE ELDERLY CONSUMERS THINK THEY WERE SAVING MONEY WHEN THEY WERE ACTUALLY BEING RIPPED OFF. 

NATIONSTAR AND XXXX HAVE BOTH WENT ON THE RECORD AND STATED THAT LOAN FRAUD IS PART OF THEIR DAILY BUSINESS PLAN. THEY HIDE LOSSES USING FRAUD AND THEY ALSO COLLECT ILLEGAL FEES USING FRAUD ON PAGE 3 OF THIS STATEMENT, ESCROW DISCLOSURE, {$200.00} A MONTH WAS LEFT OFF IN THIS SECTION AND THEY NEVER CORRECTED THE FILE AS REQUIRED BY LAW. 

NATIONSTAR HAS SHOWN ZERO HONESTY AND AFTER DOZENS OF CFPB COMPLAINTS THEY REVERTED BACK TO THEIR STANDARD LIE " WE CA N'T ATTEST TO THE ACTIONS OF THE PREVIOUS SERVICER ''. 

IS IS 100 % FALSE AND 100 % MISLEADING. ALL PAPERWORK IS TRANSFERRED AND ALL SIGNATURES AND FORMS ARE IN THEIR POSSESSION. 

NATIONSTAR CONFIRMED LOAN FRAUD BUT THEY SELL HOMES THEY DO N'T OWN. WE WITNESSED FIRSTHAND AS XXXX, XXXX FLORIDA, WAS SEIZED, MARKETED AND AUCTIONED BY NATIONSTAR EVEN THOUGH THEY NEVER LEGALLY OWNED THIS PROPERTY. THEY CONTINUE TO LEAVE THIS PART OUT OF THEIR CFPB RESPONSES TO US. 

THEY STEAL HOMES, THEY DO N'T OWN THEM, THEY DO N'T CARE. THE THEFT OF XXXX IN XXXX FL IS ALL IN WRITING WITH DATES AND NAMES AND A TITLE COMPANY CLEARLY SAYING " NATIONSTAR DOES NOT AND NEVER DID OWN THIS PROPERTY THEY JUST SOLD ''
Product: Money transfer, virtual currency, or money service

On Monday, XXXX XXXX. Someone logged into my Venmo Account. Added a Credit card and sent themselves 3 transfers of XXXX each and one for XXXX for a total of {$9900.00}. 

On the same day XXXX XXXX. I called Venmo and there is no live person available. I started a ticket online and chatted online several times. They said they would escalate the issue to the correct department. If they only would have been able to respond they could have reversed the charges since it went to a credit card. On the chat they told me they would get back to me in 5-7 days.
Product: Credit card

I purchased fuel at a local XXXX XXXX XXXX on XX/XX/2023. My charge for the fuel per XXXX and the receipt I received from XXXX was {$74.00}. Instead, of charging {$74.00}, Apple card showed a total of {$270.00} for fuel. I did not purchase any other fuel. I immediately, contacted Apple Card and told them about the overcharge. I have proof of text conversation, where I raised to the Apple Rep stating they overcharged me by {$190.00}. The rep agreed and opened a case for a dispute. Apple then sent me an email requesting proof of receipt. I submitted the proof of receipt and all evidence that clearly shows they overcharged me by {$190.00}. They then proceeded not to respond for almost 4 months only to close my case in favor of merchant. I went directly to the fuel station and spoke to the attendant, who reviewed and verified that XXXX only charged me {$74.00} and Apple is the one overcharging. I called Apple again and spoke to the rep informing the same, and they said they will reopen my case for another dispute and someone will contact me. No one contacted, and received same email again asking me to submit receipts. I did so, again and called only for Apple to tell me they are closing the case in favor of merchant. I asked again show me proof as to why it is in favor of merchant, when I have proof that merchant did not overcharge me APPLE did. They could not furnish any evidence to show favor of merchant and would not allow me to speak to the Dispute Manager. I have made multiple attempts to call APPLE and they keep reopening the Dispute and not responding. They are not providing any reason as to why it is was in Merchant 's favor. Even though I have proof of receipt that shows they are overcharging they are not reinstating me the amount that they asked me to OVERPAY!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX FTC VIOLATONS SENT OVER 45 DAYS AGO
Product: Credit reporting, credit repair services, or other personal consumer reports

I have checked my credit report and saw these inquiries that I did not authorize and wanted these items to be removed from my report. Below are the inquiries XXXX 1. XXXX, Inquiry Date : XXXX ( The inquiry was not authorized ) 2. XXXX XXXX XXXX , Inquiry Date : XXXX ( The inquiry was not authorized ) 3. XXXX XXXX Inquiry Date : XXXX ( The inquiry was not authorized ) XXXX XXXX, Inquiry Date : XXXX ( The inquiry was not authorized ) 5. XXXX XXXX Inquiry Date : XXXX ( The inquiry was not authorized ) 6. XXXX XXXX Inquiry Date : XXXX ( The inquiry was not authorized ) 7. XXXX Inquiry Date : XXXX ( The inquiry was not authorized ) 8. XXXX XXXX Inquiry Date : XXXX ( The inquiry was not authorized ) 9. XXXX XXXX Inquiry Date : XXXX ( The inquiry was not authorized ) 10. XXXX XXXX Inquiry Date : XXXX ( The inquiry was not authorized ) 11. XXXX XXXX XXXX Inquiry Date : XXXX ( The inquiry was not authorized ) 12. XXXX XXXX XXXX Inquiry Date : XXXX ( The inquiry was not authorized ) 13. XXXX XXXX XXXX Inquiry Date : XXXX ( The inquiry was not authorized ) 14. XXXX XXXX XXXX XXXX Inquiry Date : XXXX ( The inquiry was not authorized ) 15. XXXX XXXX XXXX XXXX Inquiry Date : XXXX ( The inquiry was not authorized ) 16. XXXX Inquiry Date XXXX XXXX ( The inquiry was not authorized ) XXXX 1XXXX XXXX Inquiry Date : XXXX ( The inquiry was not authorized ) 2. XXXX XXXX XXXX Inquiry Date : XXXX ( The inquiry was not authorized ) 3. XXXX XXXX XXXX Inquiry Date : XXXX ( The inquiry was not authorized ) 4. XXXX XXXX Inquiry Date : XXXX ( The inquiry was not authorized ) 5. XXXX XXXX Inquiry Date : XXXX ( The inquiry was not authorized ) 6. XXXX Inquiry Date : XXXX ( The inquiry was not authorized ) 7. XXXX XXXX Inquiry Date : XXXX ( The inquiry was not authorized ) XXXX 1. XXXX Inquiry Date : XXXX ( The inquiry was not authorized ) 2. XXXX Inquiry Date : XXXX ( The inquiry was not authorized ) 3. XXXX Inquiry Date : XXXX ( The inquiry was not authorized )
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I used the bank for a long time, they let me open a personal checking account that I hardly use. During that time, I did not receive any statements, nor could I read it from online banking since it's not linked for some reason and I could not access onlinebanking properly. 

I found out a froud transaction on the account later when I have to go to another branch and go over all my transactiuons. I filed a dispute in XXXX, never hear back. I called many times, each time they told okay, then closed it, then reopen it. I do not have poseesion of the debit card at the time when the transaction occured. Filed a police report for lost items including the debit card. 

I am super busy doing XXXX  during COVIND-19, traveled during XXXX of 2020. Most times use my XXXX XXXX. 

The bank is unreasonable since the merchant could not provoide any evidence, the last time I heard from a rude guy from research department soon after I spoke with a lady who said ok and reopened. He said their decision is based on opinion while I am suffering and desperite for such a long time. How could they ignore it with so much facts and not to block a card, how easy it is to send an email, letter or text to notify me until they are clear of the transaction for such a big bank? How could they allow someone who use my card to do such amount of transaction? 

It's a horrible bank practice who's abusive, irresposnbile to long time customers, and they are repeatdtly misuse the previldege for having the problem with the accounts in their control!
Product: Credit reporting or other personal consumer reports

Found unauthorized inquires on my credit reports. please delete ASAP. 

Unauthorized Inquires. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE DELETE FROM ALL 3 MAJOR CREDIT BUREAUS ASAP!!!!!!!!!!!!!!!
Product: Credit reporting or other personal consumer reports

" The delinquent payments and charge off showing on my credit report from XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX And from XXXX  XXXX XXXX Date opened XX/XX/XXXX was a result of my job loss due to XXXX. The CARES Act, which was signed into law on XX/XX/XXXX, and ended XX/XX/XXXX, XXXX act amended the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the XXXX crisis under these circumstances. Please update this information to PAID/AGREED for the following time period.
Product: Credit reporting or other personal consumer reports

I was checking my most up to date credit report, and noticed some fraudulent accounts are still present. I sent out a letter to all 3 major credit bureaus, Experian, XXXX, and XXXX, demanding that these accounts be removed. All 3 credit bureaus received said letter on XX/XX/2023. On my XXXX XXXX account, XXXX and XXXX removed the fraudulent accounts. However, I noticed that the XXXX and XXXX portion on my Experian account is still shown. As stated in the letter sent, section 609 ( a ) ( 1 ) ( A ) of the fair reporting Act clearly states, " that ALL credit bureaus are required by federal law to verify, through the physical verification of the original consumer contract, ALL accounts that you post on a credit report. '' It has been over 30 days since Experian received said letter, and those fraudulent accounts have NOT been removed. Nor have they attempted to reach out to me. Experian removed them, but again, NOT from the XXXX and XXXX side of my Experian account.
Product: Credit reporting or other personal consumer reports

after looking at my credit report i noticed some accounts that are not mine and they are hurting me from obtaining credit.can you please have the following deleted and removed from my profile.
Product: Credit reporting or other personal consumer reports

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos XXXX XXXX XXXXhelpmeoutby finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Product: Credit card

I was charged with fradulent charges by a company that has a history of fraudulent charges, known as XXXX XXXX XXXX XXXX. There are REPEATED cases of fraudulent charges made in their financial gain of the same financial amounts ( charges made in {$50.00} or {$75.00} increments ) - it is clear that there is company involvement in these fraud cases. 
See more : XXXX5
Product: Credit reporting, credit repair services, or other personal consumer reports

I received this letter today from Equifax asking for proof of identity. I am enclosing I'd, ss # and police report fromXX/XX/XXXX where I did a police report 2 months ago for idenity theft. I found numerous accounts on my credit report that's not mine nor did I authorize. All these accounts were open online. Without my knowledge. Please remove the following from my credit report. 
INQUIRIES : : : : : XXXX XXXX XXXX XXXX XXXX XXXX x3 XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Accounts : : : : : : : : : : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting and XXXX  account 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 consent.
Product: Debt collection

XXXX XX/XX/year> {$500.00} I recently reviewed my credit report and was shocked to find out I had been a victim of identity theft. I do not recognize this account. Please remove this account from my credit report as it is hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

Please block this information from my report as I have asked them to validate this information and they didn't respond after 3 months of disputes. I am filing this complaint regarding TransUnions continued reporting of inaccurate and unauthorized items on my credit report. Under Section 605B of the Fair Credit Reporting Act ( 15 USC 1681c-2 ), I am formally requesting that TransUnion block these items within four business days due to potential identity theft concerns, as I did not authorize or recognize many of these entries. I have attached my documents.
Product: Debt collection

The company in question ( ncb management incorporated ) has no right to furnish information and isnt legally allowed to do collections in the state of Pennsylvania ; which is a violation of law.
Product: Checking or savings account

On XX/XX/2022 a XXXX  transfer for {$84.00} was made to a closed account. I contacted Wells Fargo and the transfer was cancelled and I was to receive reimbursement of the {$84.00}. On XX/XX/2022 I contacted Wells Fargo once again to inquire into the cancelled XXXX  transaction and to report the {$84.00} had not been deposited to my account. Today, XX/XX/2022, I am on hold concerning the same cancelled XXXX  transaction. Not only have I been transferred XXXX  times to claims, claims has transferred me back to the online banking que every time where I then wait for a prolonged period in order to speak with someone. I have yet to receive any information regarding the cancellation or be reimbursed the {$84.00}.
Product: Payday loan, title loan, or personal loan

Loan company used other loan companies to collect debt in their name. Falsified birthday and current address. Loan rate is 780 %. Fraudulent activity for my account.
Product: Checking or savings account

Deposited funds of {$1000.00} to robinhood brokerage around XX/XX/23. Decided to not use robinhood and withdraw funds back to XXXX  account. Have contacted customer support several times with resulting in email contact only and continuing to ask for increasingly sensitive information in order to have funds returned.
Product: Debt collection

XXXX XXXX XXXXXXXX XXXX account number XXXX 15u.s.c 1681 section 602 a state I have right to privacy 15 u.s.c 1681 section 604 a section 2 it also stated a consumer report agency can not finished account with out my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report on XX/XX/XXXX and Notice there we're hard inquiries are Hurting me from getting approved for loans and cars. 
I've already reached out to the following credit bureaus and they keep violating my rights under 15 USC 1681B. I also attached the XXXX Inquiries that does not have any purpose on my credit.
Product: Mortgage

PHH Mortgage I sent in a request to remove my PMI from my mortgage at the end of XX/XX/XXXX. 
I sent in the requested form and a payment of {$120.00} which is required to get a evaluation of value done. I am paying for the service and the time frame per PHH Mortgage should have been no more than 20 days from receipt of form and payment for service. 

They cashed my payment of {$120.00} on XXXX i have called and followed up +30 days later in XXXX as I had not received any email or status on my request. Customer Service advise that it should have been completed within 20 days and entered notes in system to PMI dept. 

Called again begining of XXXX and I happened to get same customer service person on my second call. I advised I had not received any communcation yet again and they filed a report and escalation and that I should get commuication on status. 

XX/XX/XXXX plus days after iniital receipt of request I get an email advising that they are processing my request. Status is pending. 

Here are the facts, Original Loan {$270000.00} and current loan balance is {$210000.00} above 78 % LTV, never a late or missed payment, and property value estimator is above {$800000.00}! 
On tPHH Mortgage website the average property valueshows {$620000.00}!! 

All I need is a verified reasl estate value to get this removed and this is what I paid them to do and I cant get one independantly. 

Our property exceeds all the conditions for which to not require PMI. Yet we continue to have to pay this fee {$45.00} on our mortgage every month that passes with a resolution or removal we are deserved.