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

Please Remove it from my Credit Report. If you don't remove them i would like {$1000.00} per violation in accordance with the FCRA. XXXX Account number XXXX XXXX  Account number XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX  XXXX XXXX Account number XXXX XXXXXXXX XXXX  XXXX Account number XXXX XXXXXXXX XXXX  XXXX Account number XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Product: Mortgage

XXXX ' trees down in yard. tore down electrical, cut up about 60 % of trees that were XXXX % left to be cutup. wind damage and blew down fence on North side of property. trees knocked and blew down XXXX ' XXXX and gate and destroyed. damaged XXXX tarps covering boats on property with electricity off water pipes froze and broke in apartment - ruined carpet. tried to heat inside of apartment with kerosene heater. painting in process. holding check for itemized items from insurance adjuster to fit their needs
Product: Debt collection

Ocwen has claimed that it is passion of a claimed interest in the XXXX 's ( Petitoner ) property. Ocwen has falsely misled and used fraudulent actions to claim that they have and are in possession of an original note and mortgage but Ocwen 's records on numerous accounts have shown differently. Ocwen has fraudulently initiated foreclosure and debt collection proceedings falsely representing that it has the Original note and mortgage when Ocwen knew, should have known buy the account of its own records that it was not in possession of an original note or mortgage. XXXX/XXXX/XXXX - Ocwen records state - " collateral file reviewed the mortgage document is marked - Unofficial copy '' XXXX/XXXX/XXXX - Ocwen records state - " collateral file reviewed - no original docs are present. "
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS 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 accounts 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. Bankruptcy XXXX XXXX-discharged Reference number : XXXX
Product: Debt collection

hi i dont know who is the creditor and i have this account on my profile show a balance of XXXX , ,i would like to request a validation from a third party collection agency .. i need proof of either own or were assigned the debt from the creditor. and i need a copy of original contract with my signature! please if would like to respond to : XXXX XXXX
Product: Credit reporting or other personal consumer reports

My credit report includes some billing mistakes with late payments that dont reflect my usual payment history. Please correct these errors and adjust my account accordingly.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$5400.00} XXXX XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} Chapter XXXX Bankruptcy XXXX XX/XX/XXXX Asset Amount : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$5400.00} XXXXXXXX XXXX XXXXXXXX Balance : {$5800.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

My name is XXXX XXXX XXXX I am submitting this complaint without any influence from any third party or agency. 

On XX/XX/XXXX, I asserted my claim to the instrument and proceeds exceeding any balance over {$1.00} to be credited back to me, as described in 12 CFR 226.11. When this letter was sent the balance that was on my credit card account with BOA was {$500.00}. I made a payment of {$50.00} and made a purchase which then left my balance at {$470.00}. 

I received a letter back from BOA, which I have attached to this complaint, which was dated XX/XX/XXXX, that says as of the date of this letter, the account doesn't currently have a credit balance. The same day that I received this letter, I received my new statement which was from XX/XX/XXXX thru XX/XX/XXXX. This statement is attached to this complaint as well. 

This statement shows that there is indeed a balance of {$470.00}. The letter that they sent to be proves that they violated 12 CFR 226.11. I requested for them to credit me back and the lied and stated there was no balance. I have since sent another letter, certified mail receipt attached, with the evidence that there is a balance on my account, a copy of the letter that they sent to me and a 2nd letter that specifically outlines the amount that I am requesting to have credited back to me within 7 business days from the receipt of this written request.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft I mailed a ftc report and the XXXX system didn't fix the error they just keep adding stuff I didn't recognize
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XX/XX/year> Credit Corp Solution XXXX XXXX XXXX XXXX UT XXXX Notification Dear Credit Corp Solution , This letter serves as formal notice pursuant to the Fair Debt Collection Practices Act ( FDCPA ), XXXX U.S.C. XXXX ( c ), that I am requesting XXXX XXXX XXXX cease all communication with me regarding the alleged debt associated with [ Account Number or Reference ]. I am explicitly instructing you to stop all forms of communication with me, including but not limited to : Written correspondence, Telephone calls or messages, Email communications, and Reporting or furnishing information regarding this alleged debt to any credit reporting agencies, as such reporting constitutes a form of communication under the FDCPA. Any further communication from your company in violation of this notice, including indirect communication through credit reporting, will be considered harassment and a violation of my rights under federal law. Please be advised that continued non-compliance may result in legal action against your organization, including seeking statutory damages, legal fees, and other remedies as provided by the FDCPA and other applicable laws. This notice is effective immediately upon receipt. I kindly ask for written confirmation of your receipt of this letter and your compliance with my request. Additionally, if you claim that this debt is valid, please include any substantiating documentation to support your claim in your final correspondence. I reserve all rights under the law, including my right to dispute the alleged debt and take legal action if necessary. Thank you for your immediate attention to this matter. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The car was returned on XX/XX/XXXX and the last payment on the lease through XXXX or XXXX XXXX was made on XX/XX/XXXX and the receipt along with the California DMV are attached to this showing the last payment made on XX/XX/XXXX and the car changed title on XX/XX/XXXX. the account number is XXXX with XXXX XXXX XXXX and my name is XXXX XXXX XXXX. 
So first the account needs to show closed on XX/XX/XXXX and secondly there ca n't be a past due at all for XX/XX/XXXX as all of the lease payments were made prior to lease end on XX/XX/XXXX. 
They are trying to show a late for {$36.00} for something that is not a payment but a milage assessment that was done after the car was submitted and we did n't even get the bill for the difference until well after so the late needs to be removed for XX/XX/XXXX. 
XXXX/XXXX when I spoke with them told me that they were sending a letter to the bureaus to remove the late which was incorrect in XX/XX/XXXX but that still has n't happened, and they would not provide me a letter. 

Trying to get a re-fi and this false late is causing problems, and XXXX/XXXX needs to get this removed now from all 3 bureaus for XX/XX/XXXX and I was never late on the account. 

Thank you.
Product: Money transfer, virtual currency, or money service

I have a Robinhood account since XXXX  I added funds to my account several times with different bank accounts to use for trading and never got an opportunity to withdrew my funds from Robinhood. For the past three months I have been trying to close my account and withdraw the balance of XXXX from my account. Robinhood placed a restriction on my account and will not allow me to closed or withdraw my funds. Robinhood asked for verification of myself which consist of my social security card, my id and bank statement along with a selfie of myself. I sent all these personal documents to Robinhood. But the company still refuses to closed my account and release my funds. The brokerage claimed that the name on my bank statement does not match my account, the account that the transfer was made from is the same account they need to resend the funds. I explained to their representative whose name is XXXX that the bank accounts that they are asking for are no longer active with the exception of my XXXXl XXXX XXXX account. She asked for a bank statement for the last 60 days. I gave them a pdf copy. Stil, Robinhood continue to hold my account hostage. I explained that I do not have any access tomy closed accounts that was removed from Robinhood. 
Even after all this, I am still not able to get the account closed or to cash out my remaining funds. Since I did stocks with Robinhood. I have yet to cash out any funds made from stocks. XXXX profited from my deposit more than I ever gain. 

Please help me to get this brokerage to close my account. I am frustrated and are very Ill. I explained to the representative that I am not well and are currently trying to a void the stress this company is causing me. It shouldnt matter what bank account I used to transfer the funds, as long as the cash are validated and approved from my bank account. 

Thank tou
Product: Debt collection

On or around XX/XX/XXXX the company had agreed to remove items from my credit report due to the client could not verify the account, and in fact agreed that it was not mine. 
On XX/XX/XXXX the company, ameriso financial solutions posted the same accounts and have continued to post accounts that exceed the statute of collection and in some case the seven year limit for credit reporting. after speaking with the company they advised they had no idea what i was talking about but could not remove anything from my credit.I also asked why they posted duplicate accounts that were in fact not mine and also removed. Associate ask me not to call back and terminated the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello there. I don't know how if I am doing this right. I want to complain against Experian. For almost half a year I have been attempting to dispute accounts that I know are not mine. I have sent lots and lots of letters and they have been ignored. There is a company called XXXX XXXX XXXX reporting three times on my Experian credit report for {$42000.00} each time! I don't even know who they are! There is no way I have three different accounts with someone named XXXX XXXX for {$42000.00} on each account. That's just crazy talk. it shows they are all closed but it doesn't matter. They have several late payments reporting on each account so in reality it is three negative accounts on my credit report that DO NOT BELONG TO ME! And Because Experian keeps ignoring all my dispute letters, I've been stuck with them on my report. 

If Experian doesn't fix them now I will have to sue. I can't wait any longer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being. I have the rights under 15 USC 1681.

Equifax is governed by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give equifax written permission to furnish these accounts. 


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

I call XXXX, Tranunions, XXXX and someone was cursing and swearing at me. Laughing in the background very rude .Here the Steps 1. Sent numerous Disputes letters stating that this information False and inaccurate to no available the credit bureau ( XXXX Tranunion, XXXX each time came back verified .Ask for Methods of Verification- burden of proof And the name of the Person that provided the verification and they ignored each request they Start sending stall tactics letters.XXXX, Tranunions, XXXX are trying to stall me hoping that I will stop. 2.Filed a complaint CFPB complaint -came back verified no action taken by you guys. 3 .Filed a complaint with my State attorney General office. 4.Contacted the original collection agent to verify what they had in theirs files and that investigation was NEVER done. 5.Email XXXX, XXXX, TransUnion CEOs as last resort before I Sue them all.
Product: Student loan

My student loan, currently serviced by XXXX XXXX, has been in an Income Driven Repairment plan up until XX/XX/2018. On XX/XX/2018, I received a letter indicating that I had to submit a recertification to stay in the Income Driven Repayment program. This letter stated that the deadline for submission of all materials was XX/XX/2018. I completed a paper application which was received by XXXX XXXX on XX/XX/2018, however, was notified that it was missing a specific piece of information ( the frequency of being paid ). I called on XX/XX/2018 and verbally advised that I was paid biweekly. I was told this would be added to my application and my application would be processed. On XX/XX/2018 I called to check on the status of application. At this time I was told that my prior phone call had been " noted '' on my account, however, the application was not forwarded for processing. I was then advised that the application would be now be entered into pending status as of XX/XX/2018 ( still well before the XX/XX/2018 deadline explained in the XXXX letter ). On XX/XX/2018 I called again and was assured that my application was complete and was being expedited for processing. Without explanation or indication my application had been reviewed, I called again on XX/XX/2018 and was told that it was too late, the bill from XXXX had been generated at the full 10 year repayment plan rate ( a monthly payment of greater than {$4000.00} compared to my income driven repayment amount of less than {$400.00} ). I was given no explanation as to why my application had been delayed despite being told previously that it was complete and on time.

I submitted all my materials on time and was told multiple times that my application was complete and ready for processing. However, due to internal miscommunications and incorrect information given to me by XXXX XXXX, my Income Driven Repayment Plan application is delayed forcing me to either pay 10x my monthly payment ( which I can not afford ) or defer the XXXX  monthly payment and thereby delaying my Public Service Loan Forgiveness repayments. I feel like I did everything right and due to their own mistakes I'm left owing thousands of extra dollars on my student loans. If any consumers are reading this - if there are any issues with any application of any type call two times per week and take notes on every phone call until your application is actually processed.
Product: Debt collection

In XX/XX/XXXX, XXXX XXXX XXXX notified me that I owed them {$54.00} for using their XXXX XXXX  toll payment option for a car I rented at XXXX XXXX. I don't remember agreeing to this and when I researched this matter, I determined I was not alone as a class action settlement * was approved in Florida in XXXX. 

I fought this charge through several channels and was finally credited the {$54.00} charge. 
======================================= XXXX XXXX  XXXX XXXX Posted On XX/XX/XXXX Type Credit {$54.00} ======================================= In XX/XX/XXXX, XXXX placed the billed amount plus an {$11.00} fee in collection with Transworld Systems , Inc. ( TSI ). When I asked XXXX why I was in collection after my account was credited, they told me my bank ( the one who has my XXXX credit card ) must have authorized this. I called the bank and here 's what I received- ( " The merchant has now agreed to credit your account for {$54.00} '' ). ** After multiple calls, XXXX agreed to collect just {$54.00}. I decided to pay them on XX/XX/XXXX because I feared that a collection account on my credit report would cause years of added expense from potential creditors, insurers, etc. I then followed up with TSI to be sure XXXX directed them to halt collection efforts. And while TSI told me my case was settled, they claimed they had no way to determine whether the collection account would appear on any credit reports. 

I thought it made sense to speak up. 

Thank You. 
========================================================== * Office of the Attorney General, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting

Just like the radio advised me I should do, I pulled a copy of my credit report and there areitems that just are n't accurate on it at all. I am greatly concerned because I am a good paying person and do n't want people to think otherwise because of the mistakes that are on your report about me. 

Please adjust the following items so if whoever looks at my credit report, they will see what a good payer and citizen I am. 


Incorrect Name : XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

Incorrect Social Security Number : XXXX This SSN is incorrect and is not an accurate SSN for me. Delete this XXXX and any accounts associated with it for violating the FCRA. 

XXXX This SSN is incorrect and is not an accurate SSN for me. Delete this XXXX and any accounts associated with it for violating the FCRA. 

Incorrect Address : XXXX XXXX, CA XXXX This address is incorrect and is not an accurate address for me. Delete this address for violating the FCRA. 

XXXX XXXX, CA XXXX This address is incorrect and is not an accurate address for me. Delete this address for violating the FCRA. 

XXXX XXXX, CA XXXX This address is incorrect and is not an accurate address for me. Delete this address for violating the FCRA. 

XXXX XXXX, CA XXXX This address is incorrect and is not an accurate address for me. Delete this address for violating the FCRA. 

XXXX XXXX, CA XXXX This address is incorrect and is not an accurate address for me. Delete this address for violating the FCRA.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX Balance : {$280.00} XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting

Equifax is reinserting deleted accounts on my credit report.  XXXX   XXXX   XXXX  has resurfaced on my credit report after it has been deleted without a 5 day notice which is a violation of the FCRA. The account number on this account is  XXXX . This account was deleted more than once from my credit report and now its reinserted without my knowledge again.
Product: Debt collection

They call 6 times a day and leave detailed messages about me being past due. They call when Ive already set up an arrangement as well call before my payment is due. They harass my references as well as myself. Telling them I owe a debt and they need to get in touch with me when they have my number. I have sent a cease and desist as well as verbally given one to a manager at the office. Even after I had spoken with her I received another call. Today XX/XX/XXXX I have 5 calls 2 voicemails XX/XX/XXXX 1 voicemail 2 calls XX/XX/XXXX 3 voicemails 4 calls XX/XX/XXXX 1 voicemail 3 calls XX/XX/XXXX 3 voicemails 4 calls XX/XX/XXXX 3 calls 2 voicemails I have recorded messages saying I owe money. They are violating Fdcpa I want to peruse legal action and have debt discharged. These are predatory loans and collection practices. The reps scream and berate in an unprofessional manner I want to cut ties with them and am referring to an attorney! They are to no longer call my cell phone and must communicate with me via us mail! Mei auto and anyone affiliated with them do not have permission to call me or my references again for the life of the loan!! The manager I spoke with last week said that the car was in jeopardy because I was 5 days late! I explained that I keep being called and she said I needed to make a payment and they would stop! I advised of cease and desist and was still called 2 more times after I had already spoken with the company! This is illegal activity!