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

On XX/XX/2022 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, OH XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice that there is several unauthorized credit inquiries made by the companies listed above. To my knowledge, I Have not signed any documents authorizing the company in question to view any such part of my credit report. The listed inquiry was without my authorization, and for no legitimate business purpose.
Product: Debt collection

APELLES collection sent me a bill asking me to pay the balance of {$2400.00}. I was told that my health insurance never pay the bill. They said that the bill is for the month of XXXX, XXXX 

I called the XXXX XXXX where I did the Heart monitor ( TLC diagnostic brand/company ). Biller from XXXX XXXX says that I don't have any money owed. I was told that my METROPLUS GOLD insurance already paid the whole bill. 

The BILLER sent a document thru email and my balance is totally {$0.00}. 

Below are the phone number to reach out if ever you need to verify anything. 



XXXX XXXX XXXX
Product: Debt collection

On XXXX/XXXX/2016, I received a debt collection letter from Ability Recovery Services , LLC, in XXXX. The letter was addressed to a similar name to mine. However, there is no one residing with me ( and never has been anyone residing with me ) by the name on the letter. Through my work, I know that Identity Thieves do not always get the names correct and felt that I was a victim of Identity Theft. Therefore, I checked my credit report through XXXX and found that this debt collection had been reported to the Credit Bureaus. After contacting Ability Recovery Services ' client, XXXX XXXX, it was found that a person with a similar name to mine had enrolled, but the address was in XXXX, XXXX ( a PO box ). Also, there were no Social Security numbers associated with the XXXX XXXX account. 
My complaint is : 1 ) Ability Recovery Services reported this debt collection to my Credit without a Social Security number that would link this debt to me ; 2 ) this debt is not my debt ; 3 ) Ability Recovery Services degraded my Credit score, dropping my score from " XXXX '' to " XXXX '' ( XXXX points ) ; 4 ) as of this complaint, 5 ) Ability Recovery Services has not removed this from my Credit, which they advised me would occur by this date.
Product: Credit card or prepaid card

This company has put " fraud alerts on my account failed to share why requested the authorize users info not mines for verification, which was submitted they then called after confirming they received everything claiming they needed the authorized users that aren't on my account anymore but wont give information on what is going on with my account nor asking for my info to verify me. The representatives were very rude and unprofessional and highly unorganized to be giving piece by piece of information and calling asking for items that aren't needed this information should have been asked for at once. I have had and maintained this account for a while and this by far is the worst experience I have had and I am highly disappointed and will be filing complaints with cfpb, XXXX and my attorney general ask know feel that my rights have been violated, compromised and discriminated. 

I asked the alleged supervisor XXXX in the Fraud dept for information and she failed to give to me never once was my identity verified when giving information and I know all calls are recorded and on my end, I will be reaching out to my legal team if I don't get solidified information regarding my account and its security this has placed me and children and family at risk cause depend on the card for our necessities. this experience is by far unprofessional
Product: Debt collection

The original creditor is XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX The current owner now is Midland Credit Management Inc XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX. 

This company accused me of purchasing A velocity Rim/ wheel back in XX/XX/XXXX. The account was charged off to midland credit management in XX/XX/XXXX according to the letter sent to me. The total amount claimed is {$3200.00}. 

The address the individual used was XXXX XXXX XXXX XXXX TX XXXX. I have never been to XXXX and I do not know where XXXX is. everything this company sent to me does not have nothing to do with me. The address is not mine, the bank account is not mine, the phone number they have on file is not mine. 

Each time they called me, we keep dragging all these over the phone as I have always tried to make them understand that I do not know what they were talking about until I received a letter requesting I appear in court in XX/XX/XXXX. After showing the judge all the addresses I've lived which I obtained from XXXX and XXXX plus my credit report which does not have such the report on it, The judge told me that this sounds like a identity theft issue. He instructed me to go get a police report and he will see me within XXXX to XXXX days after their investigation.
Product: Debt collection

I defaulted on a judgment order with Midland for {$4400.00}. Midland sent me an official notice on XX/XX/XXXX that a lien had been placed on my property, by the county, until the debt is paid. Midland is not allowed to garnish my wages in PA. On XX/XX/XXXX, over {$7500.00} was removed from my bank account. I never received notice from Midland or the bank that this was going to happen. I have also been told that I will not have access to my account until I pay the balance due. I contacted Midland to ask them to have the bank release the money directly to them. They said no, I need to come up with the money from somewhere else. The banker and I tried to contact the Midland lawyer, but all of their phone numbers are directed to someone to take a payment. I was told that you can not talk to the lawyers. I can try to email them. The writ of execution that they signed has frozen my bank account. I have no access to any of my money ( the money in there was actually my daughters federal loan for college that was just deposited ), and Midland will not offer any help and kept asking me for my debit or credit card to pay the balance. Extortion?
Product: Debt collection

I have been working with XXXX XXXX, the branch manager, at my local Truist bank branch that I have been charged an additional interest payment that I did not owe. It is an equity line. It originated in XXXX. I have been to the branch multiple times to have this corrected. They keep redirecting payments. Which is their solution to the problem not my request and payments go to principal instead of interest etc... I get notices in the mail that I have not paid. I get phone calls that I have not paid. I have made an interest payment every month and paid {$1000.00} to principal. I just got off the phone again after explaining again only to reach another dead end. This was 38 minute long phone call. I ask for phone numbers of people in charge of XXXX, who has been unable to correct this from XXXX to the current date and I am told they can not give me this information. I have been told this at the branch, online and from the bill collectors. I have the payment coupons for each month and checks from my bank and my bank statements to show that I have been making payments. I have made all of the payments at the branch office and they have applied them to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

the XXXX account in question XXXX ACC # XXXX, Is reporting a late negative, which i never committed, please have all three bureaus to remove this inaccuracy. 
i have already submitted the creditors letter for which they have approved of removing them, as banking error.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair debt collection practices Act 15 U.S.C 1692 Converge to account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1681 Section 602 A section 2 : also states A consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE LAST XX/XX/2021 WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 56 DAYS. I FILLED A 30-DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Product: Debt collection

NOTICE OF FILING CERTIFIED FRAUD EXAMINER AFFIDAVIT NOTICES IS GIVEN That XXXX XXXX XXXX, debtor hereby files a certified Fraud examiner Affidavit, with the propose to clarify Objection to Confirmation of Plan and Standing of creditors One West Bank Mortgage Servicing, a division of CIT Bank XXXX. 
FOR HIS CONCLUSION : One West Bank FSB does not have standing to foreclose on the subject property as it is not the holder in due course of the subject loan. According to PSA which created the trust which currently owns the loan, the only possible holder in due course is XXXX XXXX XXXX XXXX XXXX as trustee for the IndyMac XXXX XXXX. However, XXXX and IndyMac Bank, FSB violated their own securitization trust documents. Therefore, XXXX lost its interest in the subject property and its right to foreclose by violating its own PSA, giving both the homeowner and the REMIC investors a cause of action for fraud. 
I 'm victim of Robo Signer and all the proof are on this Certified Fraud Examiner Affidavit attach. 
THEREFORE, I respectfully request that this Honorable Court take this Notice in Consideration. 
I HEREBY CERTIFY That a true and correct copy of the foregoing has been furnished by U.S MAIL to XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX FL XXXX and to XXXX XXXX Trustee XXXX XXXX XXXX at XXXX BOX XXXX, XXXX XXXX, Florida XXXX this XX/XX/2015
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently did an investigation on my credit report which caused severe depression upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under XXXX5 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( XXXX ) these accounts are in violation of not reporting 100 % accurate. 

XXXX XXXX XXXX OF XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX BANK XXXX Account Number XXXX XXXX XXXX COLL Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX**************** XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX Also, In accordance with the Fair Credit Reporting Act, the list of accounts above have violated my federally protected consumer rights privacy and confidentiality under 15 U.S.C. 1681.

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

15 U.S.C. 1681 Section 604 A, Section XXXX States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681sXXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information is inaccurate. 

15 U.S.C. 1681c ( a ) ( XXXX ) Section states no consumer reporting agency can make any consumer report containing any of the following items of information Any other adverse item of information, other that records of conviction of crimes which antedates the report by more than 7 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian they told me they are not able to assist me I would need to handle any dispute myself, I explained I tried with no success, here is the problem with my credit. 
I have two inquires on my credit that I did not authorize, I tried calling both companies to dispute without success, the 1st company is XXXX XXXX XXXX XXXX. XXXX unable to get anyone on the phone to assist. The 2nd company is XXXX XXXX XXXX XXXX they were unable to find anything under my name and number but did not give out my social security number.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the Account listed below Which steel appears on my credit report, even after your investigation. I would like this immediately reinvestigated inaccuracies are highly injurious My credit score. 
XXXX { NORDSTROMS } { ACCOUNT NUMBER AS IT APPEARS ON REPORT XXXX } XXXX XXXXXXXX XXXX XXXX XXXX  { ACCOUNT NUMBER AS IT APPEARS ON REPORT XXXX } XXXX { XXXX XXXX XXXX XXXX { ACCOUNT NUMBER AS IT APPEARS ON REPORT XXXX } XXXX XXXX XXXX XXXX XXXX XXXX { ACCOUNT NUMBER AS IT APPEARS ON XXXX } XXXX { XXXX XXXX XXXX XXXX { ACCOUNT NUMBER AS IT APPEARS ON XXXX } In accordance with the Fair Credit Reporting act Public law 91506, Title Vl, Section 611.

Please provide the name and business addresses of each individual which whom you verified above so that I may follow up please send me an updated copy of my credit report after your investigation.

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complain regarding my credit report. Suddenly, I found account and inquires in my profile that do not belong to me. I do not recognize them at all O tried to contact these companies however they never pick up the phone, I am sure that someone just used my personal information and as a result I am a victim of identity theft. This situation is damaging my score and credit and I my financially suffering now. Please remove them asap
Product: Debt collection

Back on XX/XX/2022, I received an email from National Credit Adjusters , LLC, with regard to an alleged debt I owed. On XX/XX/2022, I sent them a debt validation ( dispute ) letter with regard to the debt through XXXX XXXX XXXX I got a tracking number and saw that it was delivered to the XXXX XXXX they listed on XX/XX/2022, well within range of the XXXX XXXX  I get to dispute the debt. Now fast-forward to XX/XX/2022, and I have yet to receive anything validating this debt. I requested that verification of debt be sent to me within XXXX XXXX of my letter, to which they have failed to do. At this point they are well past the XXXX XXXX they have to verify this debt, as such this debt has been deemed invalid. 

I will attach the tracking number along with the tracking slip showing my letter was sent and received by them. I am also attaching the letter I had send to them on XX/XX/2022, requesting validation of this debt. I am also attaching the XXXX  letter requesting they forward correspondences to my mailing address.
Product: Mortgage

On   XXXX   XXXX   I noticed an increase on my mortgage payments and I did n't know why. I called and called many times to  Ocwen  to explain to me why was there an increase on my monthly mortgage payments. To no avail I stopped making my mortgage payments because they were n't affordable due to the increase. On   XXXX   XXXX   XXXX   there was an event conducted by Ocwen to help homeowners that are struggling with their mortgage payments so I attended to this event and spoke to Ocwen face to face and explained to them that I wanted an explanation to why my payment increased and also wanted a modification to lower my payments. The representative that I spoke to that day said that they were n't going to be able to do much for me because i 'm paying a lot of property taxes and that I had to work with my property tax assessors office to see why my property taxes are high. So I went with my to the assessors office and explained to them what my mortgage company had said about my property taxes and they could not figure out why Ocwen said what they said, that there was no increase on the property. At this point I felt confused, So I submitted all of my paper work for a modification and I was denied due to my account being delinquent more than 90 days and second they could not achieve a 20 % of the payment reduction. I was late due to my payment increased and could not get an answer to why my payments increased. And that these decisions were made my the investors g uidelines. So then I went to seek help from a Hud counselor to see what they can do for me. My Hud counselo  XXXX  started making phone calls to  Ocwen  until she figured out why there was an increase to my payments becuase something was n't adding up, until she was trans ferred to department to department she finally got someone that was able to help her. We were explained the reason why the increase and it was due to me having two parcels in one lot. We both looked at each other confused like what we never heard such thing. So we said okay and we ended up calling our tax assessors office to confirm abou t the  XXXX  parcels. One parcel was mine  XXXX  and the second  one   XXXX  belonged to my neighbor. So all along Ocwen was having me pay my neighbors property taxes and no one at Ocwen had the nerve to correct this error. This was the reason why my payments increased. So we called  Ocwen  again and explained to them about the situation that they made was a huge error on their part and that it needed to be fixed right away. My property will be in default soon due to this error and they have failed to provide me with an accurate and reasonable resolution.
Product: Credit reporting or other personal consumer reports

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any w
ritten consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the effort to CORRECT some of the data in my credit report, but one account still has to be repaired. The three credit bureaus are required to verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be removed right away. 
XXXXXXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

The XXXXXXXX XXXX XXXXXXXX CRIMINALS at PayPal have created an ILLEGAL, unsolicited account in my name. 
I will NEVER have nor will I ever apply for a stupid PayPal Account! 
I dont even support businesses that use PayPal as a payment method! 

I did NOT apply for this account. 
I did not request an account in writing. 

The criminals at PayPal now send an email every month to view my Statement Balance. 
The criminals at PayPal send this email as a no response communication. 

I need to log on to contact them in any way. ( and tell them what I really think! ) See above, THERE IS NO LEGAL PAYPAL ACCOUNT IN MY NAME! 
So, there is no password, no ability to communicate, delete account, etc. ( how convenient!! ) The criminals at PayPal need to be jailed! But first, they need to delete any account or information they have associated with my name. 

Now companies associated with and part of the this PayPal SCAM are sending receipts for purchases I HAVE NOT MADE that are allegedly billed to an ILLEGAL ACCOUNT at PayPal in my name. 

XXXX XXXX XXXX XXXX XXXX with email addresses like : XXXX I need to receive a LETTER from PayPal apologizing for this scam and the letter must say all information associated with me is DELETED at PayPal.
Product: Credit reporting or other personal consumer reports

I owed a balance for XXXX XXXX XXXX XXXX XXXX XXXXXXXX and paid {$120.00} in XXXX of XXXX. As of XX/XX/XXXX, the account still has a balance owed. I have tried to call and email XXXX. They will initially respond but once I tell them why I need help I get no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA XXXX # XXXX {$780.00}, XXXX XXXX # XXXX {$380.00}, XXXX # XXXX {$180.00}, XXXX XXXX XXXX  # XXXX {$560.00}, XXXX XXXX # XXXX {$510.00}, XXXX XXXX XXXX # XXXX {$150.00}, XXXX XXXX # XXXX {$150.00}, XXXX XXXX # XXXX {$670.00}, XXXX XXXX # XXXX {$280.00}, XXXX XXXX # XXXX {$210.00}, XXXX XXXX # XXXX {$280.00}
Product: Vehicle loan or lease

The company contacted my XXXX XXXX family from several years ago which they had no right doing. When they did this it forced me to up and move. Have voluntarily surrendered the vehicle due to having to use funds for the payment to move to protect my family. They keep harrassing me to make the payment have not picked up the vehicle and have listed it as a repossession instead of voluntary surrender. This is a breach of my privacy and my safety and something needs to be done