23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

QWR, XXXX, request for disclosures under TILA and Complaint against US Bank and demand to return original Promissory Note, original Mortgage, original Allognes and original Assignment of Mortgage and wet-ink signed release of liens by an authorized employee of the Creditor On XX/XX/XXXX law Firm XXXX and Associates filed Lis Pendens and foreclosure action against my property located XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX IL XXXX On XX/XX/XXXX or four month later XXXX prepared and filed forged Assignment of Mortgage to US Bank as Trustee for Structured Asset Investment Loan 2006-BNC3. Here were never any allonges accompanied by wire transfer receipt, cancelled checks or ACH evidencing that XXXX  XXXX ever paid any money for the debt or about any transfers of the legal debt at all My property was foreclosed and sold to a bona fide purchaser XXXX XXXX XXXX  XXXX.on XX/XX/XXXX. Therefore, US Bank as Trustee received $ $ $ proceeds from this sale and must deposit them on the account receivable owned by the XXXX. The Special Warranty Deed was prepared by lawyers from XXXX under unknown to me authority. 

US Bank received money from the sale, but never returned me my original documents - Promissory Note, Mortgage, Alonges and Assignments and never provided me any lien releases after my property was sold to bona fine buyer. 

I demand US Bank to immediately return me my original documents - the original Promissory Note ; Mortgage ; Allonges and Assignments and provide me wet-ink signed release of lien from an authorized employee of the Creditor along with the copy of the ledger of the account receivable owned by the XXXX  evidencing that this account receivable was closed after US Bank sold my property to a bona fide buyer and received money from this sale
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX again and I demand that the Credit Reporting Agencies take immediate action on this CFPB Complaint. Credit Reporting Agencies better remove all fraudulent accounts and information from my Credit File in compliance with the Fair Credit Reporting Act section 605b. I just got my credit report, and to my disbelief, there are still multiple accounts on there that I did not open nor have any knowledge of. Let me make this crystal clear - these accounts are fraudulent, and they need to go. I need the following accounts removed as soon possible : 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 I want to emphasize that I did not authorize anyone to open these accounts on my behalf. It's pretty obvious that this is a case of identity theft, and I am currently taking measures to report this to the authorities. If the Credit Reporting Agencies have any evidence to suggest that the disputed accounts and information belong to me, I demand that the Credit Reporting Agencies present it to me immediately. I have already reported this fraudulent activity to the appropriate authorities and provided all necessary documentation to prove that these items are fraudulent. I have also requested that the creditors responsible for these fraudulent accounts investigate the matter and remove them from my credit file.
Product: Credit card

There is an account in my name with First National Bank of Omaha ( FNBO ) which is reporting on my credit reports negatively for none payments. However, FNBO refuses to provide me any type of access to this account. FNBO claims security issue with this account and or a fraudulent account. As a result of this I have informed them via phone and by mail ( certified letter ) if they report any information regarding this account to my credit report, particularly negative information, they would be willingly violating the FCRA. Again, FNBO refuses to provide me any access to this account online or via phone. Whenever I go online and enter my information FNBO 's websites states either I have no account or website error. My question is this : If FNBO themselves have concluded possible fraud or questioning the authenticity of this account and refusing to allow any payments so I can at least avoid any negative information on my credit reports until this is resolved. HOW CAN THEY REPORT ANYTHING to the credit bureaus? I have documents to attach I also have recordings of phone conversations ( do n't know how to attach those ). I have also sent letters to XXXX, XXXX and XXXX XXXX disputing the negative information. I have been denied business and personal loans as a result of FNBO 's reckless and willing violations. Finally, from previous records on my credit report it seems the original balance on this account was {$4000.00} however FNBO at sometime lowered it to {$1000.00} causing an effect that displays more negative information with this account being severely over the limit ( account balance around {$4000.00}
Product: Debt collection

VALIDATION AND CEASE AND DESIST To whom it may concern, I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor?

PURSUANT TO THE EDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
debt Please do olak at hy didi te XXXX rest atyhing ereceporti you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute XXXX XXXX ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022 I approached a XXXX dealership in XXXX California with a preapproval letter from XXXXXXXX XXXX XXXX XXXX  I put a XXXXXXXX XXXX from them through an auto financing, however, on my credit report showing in XXXX an inquiry from XXXX XXXX XXXX XXXX on XX/XX/2022. I never gave them permission to run my credit as I was already preapproved via XXXX XXXX XXXX XXXX. This inquiry from them is fraudulent and needs to be removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account Open 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 via XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 instructions I, XXXX XXXX XXXX DID NOT GIVE XXXX, XXXX, EQUIFAX ANY WRITTEN INSTRUCTION.
Product: Credit card or prepaid card

Payments were made from my checking account in XX/XX/2020 and XX/XX/2020. I contacted the company. I sent bank statements to show proof by mail. I spoke with supervisors on the phone. I filed a complaint with the XXXX XXXX XXXX. I disputed with XXXX, XXXX and XXXX providing bank statements.
Product: Credit card

PAYPAL IS WITHHOLDING REFUNDS. 

In XX/XX/XXXX I placed an order for clothing with Woman Within for approximately {$130.00} On XXXX XXXX I returned {$94.00} to Woman Within at a local UPS store using Happy Returns. 

On XX/XX/XXXX I received an email from Woman Within that advised they issued a refund for {$83.00}. 

On XX/XX/XXXX I spoke with XXXX at XXXX XXXX, XXXX who initially told me that the refund was made to PAYPAL and then advised they didn't make a refund. 

On XX/XX/XXXX I filed a complaint with PAYPAL XXXX ID : XXXX XXXX XXXX a disputed claim, because the money was not returned to my PAYPAL account. 

PAYPAL requested a copy of my email from Woman Within and then turned around and closed the complain/dispute. 
I reopened the complaint and have heard nothing further. 

A local new consumer group advised I file a complaint with your office against PAYPAL. I still have not received the {$83.00} as of XX/XX/XXXX. 

Additionally this evening, I received an email from PAYPAL for an account that is NOT MINE. 

XXXX XXXX XXXX ( XXXX hour ago ) to XXXX Hello, XXXX XXXX PayPal XXXX just sent a {$580.00} USD payment View your invoice Transaction ID XXXX Transaction date XX/XX/XXXX Invoice number XXXX Payment from XXXX XXXX XXXX Payment to XXXX XXXX XXXX Shipping address Omega Ashante XXXX XXXX XXXX XXXX XXXX  XXXX NY XXXX United States XXXX X {$580.00} USD {$580.00} USD Subtotal {$580.00} USD Discount {$0.00} USD Shipping {$0.00} USD Tip amount {$0.00} USD Invoice Total {$580.00} USD Amount paid- {$580.00} USD Amount due {$0.00} USD Payment summary Total amount of this transaction {$580.00} USD Payment method XXXX XXXX {$580.00} USD This transaction will appear on your statement as PAYPAL XXXX PayPal Help & Contact | Security | Apps XXXX XXXX XXXX XXXX PayPal is committed to preventing fraudulent emails. Emails from PayPal will always contain your full name. Learn to identify phishing Please don't reply to this email. To get in touch with us, click Help & Contact. 

PayPal Customer Service can be reached at XXXX. 

Not sure why you received this email? Learn more XXXX XXXX PayPal, Inc. All rights reserved. PayPal is located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 
PayPal XXXX : XXXX ( XXXX ) XXXX : XXXX SOMETHING NEEDS to be DONE. PAYPAL is RECKLESS and operates WITHOUT JURISDICTION. 

Thank you for your time, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XX/XX/year>XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX Subject : Cease and Desist Request for Deletion of Collection Account** Dear XXXX XXXX XXXX  I am writing to formally request that you immediately cease all reporting of the collection account associated with my name, which appears on my credit report. This request is made under the privacy protections afforded to me by 15 U.S. Code 6802.

I have reviewed my credit report and noticed that your company is reporting a collection account that I believe to be inaccurate or incomplete. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any information that I believe to be erroneous. If you do not cease reporting this account, I am formally requesting " Proper Validation and Proof of Claim '' as required under the Fair Debt Collection Practices Act ( FDCPA ). 

I seek comprehensive validation of the alleged debt, including evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. To assist you in meeting this request, please provide the following documentation : XXXX. A copy of the original contract or agreement under which the debt arose. 
XXXX. A detailed account statement showing the amount of the debt, including any fees or interest. 
XXXX. The Date of Last Activity on the account. 
XXXX. Full, accurate identification ( e.g., my Social Security XXXX ) that XXXX help to identify me as the correct person you are attempting to collect from. 
XXXX. Documentation confirming that you have the legal right to collect this debt. 
XXXX. Any correspondence related to this account that includes my signature or consent. 

I demand that you take the following actions : XXXX. Immediately cease reporting the collection account associated with my name. 
XXXX. Confirm in writing within 15 days that this account has been deleted from all credit reporting agencies, or provide the requested validation. 

Please understand that failure to comply with this request XXXX result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. 

Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX.
Product: Debt collection

I received a collection letter, dated XX/XX/XXXX, from Wakefield & Associates on XX/XX/XXXX for the amount of {$4300.00} on behalf of their client, XXXX XXXX XXXX. I immediately informed them in writing on XX/XX/XXXX and provided them with my supporting documents via XXXX  that I were disputing the validity of the entire debt claimed by their client and considered XXXX XXXX debt claim to be legally baseless and fraudulent On XX/XX/XXXX, I received an email alert from a credit monitoring company that Wakefield & Associates had placed a derogatory remark for collection on my credit report preemptively without any attempts to contact me beyond their first and only letter, dated XX/XX/XXXX. It seems to me that they had decided to ignore my reply and the supporting documents that I had provided to them and filed a derogatory remark for collection to be placed on my credit file with XXXX. 

Also, Wakefield & Associates did not provided me with any credible and/or legally binding documents in support of their claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX  XXXX Balance {$0.00} are reporting on my personal credit file with ( XXXX/Experian/XXXX XXXX credit reporting agency . These inaccurate addresses and accounts 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 in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof these were opened, authorized or created by me.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> a friends XXXX was hacked. I wrote to her as usual because I did not know it was hacked. The person pretended it was her talked to me for a bit and then asked me the favor to pay something for her as her app wasnt working. First she asked me to pay {$XXXX} to a XXXX account with the promise to return it later that day. Believing it was her and after she has done many favors to me in the past I didnt wsnt to question her request so did what she said. Later she asked me for {$XXXX} more, I felt uncomfortable because it was a lot or money buy I did it anyway as she promised to return everything later. 
That same night I saw her XXXX account XXXX saying her XXXX was hacked and she wasnt asking for any money. 
I contacted my bank Chase Bank and XXXX about it several times but they said that since I voluntarily sent that money they couldnt do anything. I explained to them I was lied to and my friends XXXX was hacked and I was a victim of a fraud, but they said there was nothing they could do. I reported it to them and to XXXX and also to the FTC but nobody contacted me nor refund me the {$XXXX}. The stress and anger this situation caused me is priceless.
Product: Credit reporting or other personal consumer reports

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
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 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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

============================================= XXXX ============================================= XXXX XXXX XXXX XXXX Account number XXXX, has violated my rights. 

XXXX XXXX XXXX  Account number XXXX, has violated my rights. 

XXXX XXXX Account number XXXX, has violated my rights. 

XXXX XXXX Account number XXXX, has violated my rights. 

============================================= XXXX XXXX XXXX XXXX Account XXXX xxxxxx XXXX, has violated my rights. 

XXXX XXXX Account XXXX xxxxxxxxxx XXXX, has violated my rights. 

XXXX XXXX XXXX 
Account XXXX xxxxxxx XXXX, has violated my rights. 

XXXX XXXX XXXX Account Number XXXX XXXX, has violated my rights. 


============================================= XXXX ============================================= XXXX XXXX XXXX Account number XXXX, has violated my rights. 

XXXX XXXX XXXX Account Number XXXX XXXX, has violated my rights. 

XXXX XXXX Account XXXXXXXX XXXX XXXXXXXX, has violated my rights. 

XXXX XXXX Account XXXXXXXX XXXX XXXXXXXX, 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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 reporting

all XXXX bureaus failed to correct XXXX Mortgage reporting inaccurate and incorrect information about current payment status
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information 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 not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 XXXXXX/XX/year>
Product: Checking or savings account

The complaint is two fold. First, the bank has been charging me a monthly fee since XXXX of this year for an account that was supposed to be free. Second, I withdrew any remaining funds in XXXX and asked them to close the account. After which, they did not close the account and instead charged another fee. Now they stating that I need to fund the account to cover the fee or they will send it to collections.
Product: Checking or savings account

I previously had a checking account I've been using for years. Then all of a sudden I realize that {$750.00} was unauthorized withdrawn with a withdrawal slip with a forged signature and my social security number in XXXX TX, Meanwhile I'm in New York. This happened XX/XX/20, I called and filed a fraud report then I was refunded the money back in 5 business days. I eventually closed the account, That was the first time. Now I opened an account last week and the same exact fraud happens for the same amount ( {$750.00} ) yesterday XX/XX/20. I have no protection from the bank. same forged signature and social security number written on the slip.
Product: Credit card or prepaid card

On XX/XX/2020 I received an email about unusual activity on my chime account, since then I have been emailing back and forth to Chime Support to regarding my balance that have been left in my account after the closure of my account. Chime requested several documents that I sent over for verification. Were now 2 years in and Chime has not sent me my money from my account.
Product: Student loan

I am part of an investigation currently going on about fraudulent lending from Devry University via XXXX University School of veterinary medicine. 
Defrauded amount roughly XXXX Dates of attendance XXXX
Product: Checking or savings account

on XX/XX/XXXX I paid {$490.00} to XXXX XXXX for a VIP package that included a landing page from XXXX, branded photoshoot, access to finding government contract as well as a ticket to her free call center tour. website shows this was a free event but VIP comes with extra. Because I was part of her membership I got the VIP at a discounted price : XXXX : XXXX. I was originally told to allow XXXX days for the landing page but then it got pushed to XXXX days which would have been XX/XX/XXXX. I reached out to her assistant who informed me I would have it no later than the following Monday which would have been XXXX. I again reached out to get an XXXX on XXXX and she has since stopped responding to me. I then filed a dispute with cashapp on XXXX as the reference number is : XXXX as that is the card I used to make the XXXX payment and included evidence that I did not get the product and they keep denying my claim. I did not get what I paid for and I want a refund.