23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am a victim of identity theft, and it is both disheartening and infuriating that my credit report, a document integral to my financial well-being, has been tainted with fraudulent account. This is a blatant violation of my privacy and an egregious error that demands immediate and aggressive attention. 

XXXX XXXX XXXX  XXXX PLEASE DELETE!!! XXXX  and XXXX have already removed this account from their records. 
Remove this unauthorized account from my credit report with the utmost urgency. Provide me with written confirmation of the removal and any supporting documentation related to the investigation. 
Failure to address this issue immediately will leave me with no option but to escalate this matter to the highest authorities, including reporting your lack of swift action to regulatory bodies and seeking legal counsel.
Product: Vehicle loan or lease

I had the IRS assess my account by sending SAFCO a1099a and 1099c. I completed a 1099a and 1099c IRS forms to cancel the debt. After SAFCO received them I contacted them and asked if they received them. I was told they were not in my file. I sent them a copy that I had when I submitted them to the IRS who mailed them the copies. I sent them a letter with the forms and negotiable instrument stating that according to UCC law dealing with legal tender that the debt had been settled. They responded back saying that that the negotiable instrument I sent was not an accepted form of payment. I sent another letter stating that it was according to UCC 3-603. They need to settle and satisfy the debt or there will be a Notice of Claim and Intent to Sue. 

They end up sending me papers that I signed, and their CFO knows that pertaining to the UCC law that I am right after I did my research. I addressed all my letters to XXXX XXXX XXXX, XXXX SAFCO Corporate Headquarters, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. As an American, all debts are obligations of the United States U.S. Constitution Article VI because according to HJR 192 the United States ( which is a corporation ) is insolvent. The credit of the American people is used as collateral for U.S. debt. They were told to send me the papers saying the lien is released, contract paid-in-full, and title to the car. They decided that they are going to ignore the law.

I send a letter about GAAP ( General Accepting Accounting Principles ) questions that they are supposed to respond to along with an affidavit to XXXX XXXX XXXX, CFO which was completely ignored. I also sent the 1099oid and 8281 to IRS for the account. I have a copy of a letter from President Trump on Pre-Paid Non-Obligatory Commercial Debt Obligation Arrangement with the United States in relation to 12 U.S. Code Sec. 95a. All of this and they still want to continue to extort money from me knowing that what I have submitted to them is lawful. What good are laws if you are not going to obey and follow them? 

However, I am completing an administrative process in this commercial transaction to have this account settled and satisfied. After I complete the administrative process if they do not comply, they will be in default and then that is when I will take legal action. According to U.S. Constitution Article 1, Section 2, Clause 3 American Indians are tax-exempt.

I do hope that your investigation will bring about some type of result to address my issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I purchased a new vehicle from XXXX XXXX  of XXXX, the dealership was supposed to pay off the account in totality for my XXXX XXXX XXXX and they did in the amount of {$13000.00}. The account Flagship Credit Acceptance is still reporting to my credit and I do not understand why it does not say paid off as of 2 years ago.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX - Account Number : XXXX Unauthorized inquiries : XXXX  XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax, and XXXX  are incorrectly reporting a bankruptcy discharge on my credit report ( XXXX ). It shows status discharge as of XX/XX/2021. However, that is not correct and I have requested this item be deleted until it could be corrected. 

The item in question was discharged XXXX of 2021. This error will further delay my ability to cycle a clean slate. Neither credit reporting agency has updated or deleted the file.
Product: Mortgage

Stonegate Mortgage Loan XXXX. Owners XXXX filed BK. Bk discharged. Applied for mortgage modification with Stonegate Morttgage and was denied effective XXXX XXXX. Letter sent to homeowner that there were alternatives to foreclosure, but no short sale package was sent. Homewowner requested shortsale package XXXX. Shortsale package requested a second time approx XXXX XXXX, 2017. Short sale package sent out XXXX XXXX per may phone call today with Stonegate. In the mean time while homeowner is pursuing alternative to foreclosure, Stonegate is stalling and Dual Tracking by initiating foreclosure at the same time. In addition they say they have to have complete package and sales contract 37 days before foreclosure date. In Missouri that is impossible since it is 21 days to foreclose in a non-judicial state. Not to mention you can not list property for sale while pursuing a Mortgage Modification. CFPB needs to order Stonegate to cease dual tracking.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter to Navient requesting that they remove two inaccurately reported 90-day late payments from XX/XX/XXXX from my credit report. All 8 of my federal student loans which  were serviced by XXXX XXXX/Navient were in forbearance at the time of the alleged late payment, yet for some reason two of them are showing as 90 days late on my credit report. I included a letter I received from XXXX XXXXNavient in XX/XX/XXXX showing the dates of my forbearance which included XX/XX/XXXX. If loan accounts are in forbearance it means no payment is due so how can a payment be late if no payment is due. Supposedly Navient " investigated '' this matter and continues to report that this information is accurate. I have disputed it with all 3 credit bureaus and they continue to confirm this information is accurate with Navient. I do not feel anyone actually investigated this matter, no actually read my letter as they are unable to actually tell me WHY this information would be accurate given my student loan forbearance status, they just sent me a form letter indicating their information reporting to the bureau is accurate.
Product: Vehicle loan or lease

XX/XX/2018 I talked to a customer service representative at XXXX XXXX we discussed applying credit of XXXX  toward account I mailed in XXXX to make a complete payment of XXXX, credit was never applied to reflect payment, auto loan was originally contacted with Gofinancial. I was told that there is a credit, but it's not a credit?
Product: Money transfer, virtual currency, or money service

Dear PayPal Support, I hope this message finds you well. I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account. I strongly believe that this limitation was imposed by mistake and I would like to submit a formal complaint to appeal this decision. 

Firstly, I want to emphasize that I have not violated any of PayPal 's policies. I have always been a conscientious user and have consistently adhered to your terms and conditions. Therefore, I am perplexed as to why my account was subjected to such a severe measure. 

I kindly request that PayPal re-investigate my case thoroughly and consider lifting the permanent limitation on my account. I am confident that upon reviewing the details of my account activity, you will find no evidence of any policy violations. 

For your reference, the email address associated with my PayPal account is XXXX. I would appreciate it if you could communicate any updates or further instructions regarding this matter to that email address. 

In conclusion, I kindly implore PayPal to re-evaluate my case and restore my account if possible. I have always valued the services provided by PayPal and I sincerely hope that this issue can be resolved amicably. 

Thank you for your attention to this matter. I eagerly await your prompt response. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

My XXXX year old daughter received a prepaid VISA card from NetSpend with {$10.00} on it for her birthday. When we called to try to activate it, we were informed that the card is expired. The expiration date printed on the card is XX/XX/2025, currently three and a half years in the future. NetSpend claims no money was ever put on the card. They offered to send a replacement card, but stated that there would not be any money on it if they did. I asked what good it would be to send me a card with no money on it, but they couldn't answer. I asked what would happen to the money on this card. Would they just keep it themselves? They said there was no money on it again at first, but then said that yes they would keep it for themselves. This company is seizing a child 's birthday gift.
Product: Credit reporting or other personal consumer reports

To whom it may concern, it has come to my attention that there has been a data breach XX/XX/2024 where my personal information has been compromised. This stems from the XXXX XXXX case XXXX XXXX v. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. Not only is this a direct violation of the XXXX  ( XXXX XXXX XXXX XXXX ). According to the FCRA XXXX XXXX. XXXX XXXX findings and statement of purpose all consumer reporting agencies are required to provide confidentiality, accuracy, relevancy, and proper utilization in a fair and equitable manner. My Consumer report has multiple inaccuracies including contact number, confidentiality, accuracy, etc.
Product: Credit card or prepaid card

On XX/XX/2021, my Mastercard account was charged for a XXXX delivery in XXXX NY that I did not accept and did not authorize. I disputed the charge through the normal process. I explained that I was not in XXXX on the referenced date and did not authorize the charge. 

Mastercard sent me a form to fill out and a copy of the receipt for the transaction in the US Mail. It was to be returned NLT XX/XX/2021. I completed the form and mailed it back on XX/XX/2021. 

On XX/XX/2021, Mastercard informed me that based on its investigation of the facts of the case, it had determined that I was responsible for the charge.

There is no way that Mastercard could have received the form I returned to them by US Mail on Monday, XX/XX/XXXX, a postal holiday, by today, Wednesday, XX/XX/XXXX. They never investigated my whereabouts on the date of the delivery ; who accepted it ; whether said person who accepted it has any connection to me. Mastercard 's " investigation '' consisted of nothing more than obtaining a receipt from XXXX for the food that was ordered from XXXX 's. 

Obviously, someone obtained my Mastercard information nefariously and used it to place an order through XXXX fraudulently. I am confident that I am not the only one victimized by this scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). 

If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ).

When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ).

The list of accounts below are a result of identity theft and have been reported and previously disputed with all three major credit bureaus. In hopes of correcting these inaccuracies I was then notified without proper investigation or proof that the validity of these accounts were accurate thus prompting me to look further more into the issue. 

Not only have they violated my rights to privacy according to 15 U.S.C 1681 section 602A, but also failed to provide me with a detailed explanation of how these inaccuracies were made nor have they been corrected which has led to a violation of my federally protected privacy and confidentiality by releasing and publishing inaccurate fraudulent information under 15 USC 1681. 

XXXX XXXX  : XXXX {$500.00} XX/XX/2023 XXXX XXXXXXXX XXXX XXXX XXXX {$610.00} XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$790.00} XX/XX/2023 15 U.S.C 1681 Section 604 ( a ) ( 2 ) States that a consumer Reporting Agency can not furnish an account without my knowledge or written instructions.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

XXXX is blocking me from utilizing external applications to manage my account. I have the right to do so.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE LATE PAYMENTS ON ACCOUNT XXXX XXXX XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is 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, CA XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX Balance : {$380.00} XXXXXXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I have called multiple times and have tried to explain to them that I have been a victime of identity fraud and I keep getting emails about a Citibank statement and have given them my social security number and they tell me that i failed the two step authentication I need them to close this account which I dont know nothing about
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX XXXX account and around XXXX I applied for an auto refinance loan. Then also in XXXX my phone started messing up and I had to get a new one. Then I was locked out of my email account and I haven't been able to get back into that email since. I have been locked out of most of my accounts since I just now got a new phone and new number and even a new bank account. I reported it to the FTC because I just received all these letters this past week. The address they were being sent to isn't my mailing address. My credit went from almost XXXX to XXXX. My XXXX and I are going through a XXXX but she does know my personal information by heart including my social security number which she gave to a police officer in XXXX XXXX when she was in a wreck in XXXX of last year. She told the officer she was me. I reported it to both XXXX XXXX and my insurance company that I was not driving the car when that happened. 

The companys and information.. XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX. XXXX XXXX XXXX XXXX  on XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX XXXX. on XXXX. XXXX XXXX on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

It has been a battle going through this and I am submitting this complaint to delete this fraudulent item in my file that are reporting on 3 Credit Bureaus. I am a victim of identity theft and did not make the charge or the account. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXX XXXXhowing on my credit report. I therefore request that you immediately remove this item from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.
Product: Debt collection

I am writing to formally dispute the inaccurate reporting of late accounts on my credit report, which violates compliance with the law. Despite numerous attempts to rectify the situation, the late accounts remain inaccurately reported. This not only undermines my creditworthiness but also violates consumer protection laws. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get these negative items investigated and removed off my credit report because I have no knowledge of these accounts. The credit bureaus XXXX, XXXX, Experian have deleted the accounts which confirms that the information is incorrect. However they placed the items back on my credit report.
Product: Debt collection

Optimum Outcome XXXX robot calls cell phone frequently. The message does not state the business they are collecting debt for or how to submit a payment. 

FDCPA AND TCPA ACTS guidelines state debt collectors to must identify business debt is owed to, amount of debt, how to pay debt. 

A business was owed debt and my account was credited in XXXX. The business stopped the harassing letters in the mail but Optimum Outcome keeps calling cell phone frequently. 

The business who has credited my account has been contacted VIA many EMAILS to stop Optimum Outcome robot phone calls to my cell phone number. 

Record all calls from XXXX on cell phone for records so legal action against Optimum Outcome is an option. 

Optimum Outcome does not provide an address of their place of business. I am sending a cease and desist all calls to my cell phone letter to this address which was online. 

Optimum Outcomes , Inc . 
XXXX XXXX XXXX XXXX, NC XXXX
Product: Credit reporting or other personal consumer reports

I am writing in response to your letter dated XX/XX/year>. While I appreciate the documentation you have provided, I am still requesting specific proof of compliance with the requirements set forth under 15 USC 1666b and 1637 ( b ), which govern the timely mailing or delivery of notices regarding payment due dates.
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW. 

Please block and remove all erroneous information from my credit report and send me an updated copy. 

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n - Civil Liability for XXXX XXXX, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within XXXX business days of completion. Failure to do so constitutes a violation of my rights. 

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ). 

Accounts listed below in green XXXX highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed. 

( XXXX ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor. 

( XXXX ) A computation error or similar error in the creditors accounting on a statement. 

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA XXXX ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow XXXX highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!. 

Collection Accounts listed below in XXXX XXXX highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately! 

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( XXXX ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. XXXX  XXXX {$0.00} XXXX {$800.00} XXXX  XXXX {$71.00} XXXX XXXX  XXXX {$1900.00} XXXX XXXX {$1100.00} XXXX XXXX {$220.00} XXXX  XXXX {$0.00} XXXX XXXX {$2000.00} XXXX XXXX {$92.00} XXXX  XXXX {$1400.00} XXXX XXXX {$160.00} XXXX XXXX  XXXX {$95.00} XXXX XXXX  XXXX {$1900.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$26000.00} XXXX  XXXX {$720.00} XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX  XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISCHARGED
Product: Money transfer, virtual currency, or money service

I found a BofA refund check in the amount of XXXX dated XX/XX/2013 for XXXX XXXX XXXX I did not receive. I also found a second notice from BofA to call to reissue this check. I went to several BoA locations in Michigan and Maryland to get a reissue of this check. Still, they kept telling me that they were not responsible for reissuing the check, even after XXXX XXXX told them that it was their responsibility. Bof A told me to check unclaimed properties and I found nothing on any of the states where I lived or where the B of A headquarters are located. I finally received the number of a BofA corporate banker, XXXX XXXX ( XXXX ) XXXX, and called, but they did not respond. 

At this point, I know that because it was not reported as unclaimed as required by law ( as the funds were a return of my own money ) that the funds were stolen.