23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This complaint stems from a decade-old foreclosure case, and specifically involves the attempted collection of a 'dormant ' mortgage debt. Ohio law is crystal clear that when a debt is not 'executed upon ' or 'renewed ' within a five-year period, the debt is considered dormant, and the lien is extinguished. Ohio law further defines the 'execution ' of debt to as " a process of court, issued by its clerk, and directed to the sheriff of the county. '' ( XXXX XXXX ). In my case, there was no 'execution ' as defined above, nor a 'certificate of judgment ' renewed during the period of time from XX/XX/XXXX through XX/XX/XXXX. As such, the Summary Judgment issues by the Court of Common Please became dormant on XX/XX/XXXX. Nonetheless, on three occasions since that time - specifically XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX - the alleged Plaintiff in my case file a Praecipe Order of Sale with the Court in what amounts to an attempt to collect a debt that I currently do not owe as a result of the statutorily-imposed dormancy. The specific statute is Ohio Revised Code 2329.07, which codifies when a Judgment may become dormant : ( A ) (( 1 ) If neither execution on a judgment rendered in a court of record or certified to the clerk of the court of common pleas in the county in which the judgment was rendered is issued, nor a certificate of judgment for obtaining a lien upon lands and tenements is issued and filed, as provided in sections 2329.02 and 2329.04 of the Revised Code, within five years from the date of the judgment or within five years from the date of the issuance of the last execution thereon or the issuance and filing of the last such certificate, whichever is later, then, unless the judgment is in favor of the state, the judgment shall be dormant and shall not operate as a lien upon the estate of the judgment debtor. One bankruptcy judge has explained the operation of these statutes as follows from In XXXX, XXXX XXXX XXXX XXXX ( XXXX XXXX. Ohio XX/XX/XXXX ) : Execution and dormancy statutes are to be strictly construed. XXXX XXXX XXXX XXXX Ohio St. XXXX XXXX XXXX XXXX XXXX XXXX ( Ohio XX/XX/XXXX ) ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 13 Kan. App. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ; XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( Okla. XXXX ).
Section XXXX  sets forth the only means in Ohio for preventing a judgment from becoming dormant. The clear language of the statute requires the issuance of execution or a certificate of judgment before expiration of the original five-year period to prevent dormancy.
Section XXXX  provides that in order to extend the effectiveness of a judgment beyond the initial five  year period there must be either execution or the issuance of a new certificate of judgment before expiration of the original execution or certificate of judgment. As a result of the above, the law is clear that the judgment is dormant, and any action to collect on the debt is a violation of state and federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortionXXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$730.00} ; XXXXXXXX XXXX XXXX Balance : {$3500.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX
Product: Credit card

US bank claimed that I benefited and/or authorized charges in XXXX and XXXX of 2016. US Bank, on a recorded line, claimed that the signatures matched on the receipts and that my voice matched the voice on XXXX recordings. I asked for evidence that supported the claim and US bank provided XXXX receipts and XXXX copies of known signatures. A professional handwriting analyst who wrote there was " no indication '' that the signatures were mine. I provided US bank with that analysis by certified mail and US Bank ignored that document and did not provisionally credit my account while they reviewed my documentation nor did they provide an alternative analysis. I also requested from US bank for proof that I authorized this account, again by certified mail, and US bank did not respond. 
US Bank violated TILA by not provisionally crediting my account when new and substantial evidence was presented and US bank again violated TILA by not providing proof of indebtedness upon request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submit a dispute to Experian, and advise them that a negative account is being reported twice. I have tried on 2 occasion to try and resolve this issue with Experian customer service which has meet with negative results. 

As a result I have been unable to find housing due to having this issue on my report.
Product: Credit card or prepaid card

I previously reported that BofA had made a double withdrawal from my bank account to pay my monthly balance ( complaint # XXXX ) and then took weeks to return it the second one. In the response to that complaint, they did not address the issue of what caused it. I have called the individual at BofA who signed the response letter, XXXX XXXX, at the number and extension she provided during the hours she stated she was available 4 times in the last 2 weeks and left voicemails, but have not yet received a call back. The same double withdrawal has continued to happen for the last 3 months. The bank refuses to address the issue ( XXXX ), and is holding money that was not authorized to be taken out.
Product: Checking or savings account

Wells Fargo Bank, has decided on their own to pay debiting items through debit card coverage and then charging me outrageous overdraft fees. I am unemployed and I do not have any type of income coming in through unemployment insurance or any other monies. 

I went to the XXXX, XXXX branch offices on XXXX XXXX XXXX XXXX XXXX XXXX Branch location. The banker stated that there was nothing they could do to help reverse the fees and offered no other assistance. All of the problems stem from XXXX XXXX XXXX and XXXX XXXX XXXX processing debits a week or rwo before the scheduled due date. Both companies blame Wells Fargo because they processed the ACH file sooner then what was requested. Both XXXX XXXX and XXXX XXXX XXXX will not refund me any of the fees I was charged by Wells Fargo. Because they state it wasnt their error it was Wells Fargo Bank error and both companies have no control over that. 

I am broke and feel that I am being taken advantage of because I dont have any monies to survive this problems I am faced with now. 

I am asking for your assistance to assist me in obtaining amicable resolution to this burden that has me all stressed out and in financial ruin. 

Thanks,
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX of the year XXXX I sent money through the Remitly application to Mr. XXXX XXXX for an amount of {$700.00}, which he received without problems, Then I sent money to Mrs. XXXX XXXX for the amount of {$800.00} which I had to CANCEL, Later a message appeared that in ten ( 10 ) business days they would return my money to the bank account. Then I made a call within 12 business days to know the status of the refund of the money, They told me that on XX/XX/XXXX they had returned the money to my Bank account and they provided me with a number or password to claim the money at bank XXXX XXXX XXXX, I proceeded to call the number of claims of my XXXX bank to manage the return of the money. Today I received a letter from the bank informing me that they have temporarily credited the money to my account, but that the investigation is continuing on the claim, this indicates that Remitly never returned the money to my bank account. Today XX/XX/XXXX / XXXX I received a call from Remitly staff ( at XXXX XXXX  ) to consult me about some things about my account .. But because I was busy at my work I asked them to communicate later at XXXX XXXX  ... Later I I had to contact them and ask them what was the reason for the call they had made earlier. Which Mr. XXXX, who very kindly attended me and after a long wait, indicated that it was indeed to review the case of the refund of the money, that in my account there are three ( 03 ) transactions of which I only recognize two ( 02 ), which I indicate here at the beginning of this declaration. I immediately let the Remitly agent know that someone could be doing some kind of fraud to my Remitly account. I asked them to take note of this and do all the relevant processes to avoid some type of fraud both for myself and for others. Then I asked him to send me an email with some kind of case number or something that referenced the agreement. He only sent me an email that I attached to the evidence, with the reference number XXXX. 
I am making this claim for the purpose of preventing future fraud on my account. I annex evidence of the aforementioned.
Product: Credit reporting or other personal consumer reports

I am writing to you to request your help in removing a mark from my credit report. The brand in question is defined as charge off and was generated due to the account XXXX XXXX XXXX XXXX, with which I maintain a balance payable relationship, before the tragedy occurred with the passage of the hurricane I was making the necessary arrangements to fulfill my commitments, which I still assume and am willing to settle once it is out of this situation that hit my family. 

Currently, I am in a difficult situation due to Hurricane Milton, which affected my home in XXXX, Florida, and forced me to evacuate. The hurricane caused significant damage in the area, including street lighting, bushes, blocked streets, in my house the roof and the entrance to my house were damaged. This has generated additional expenses for me and I need financial support through personal loans, but this mark on my report does not allow the bank to support me with loans, for now I can not find any other way to get ahead in this difficult situation.
Product: Debt collection

I have tried to avoid picking up the phone becouse they call me several times a day one very early between XXXX and XXXX everyday even though I have been patient but its way too much. 
They also call me several times at work and early hours or late evening please stop. 

I would also like to please have them stop calling my parents and harassing them this makes me look bad and should be unacceptable
Product: Checking or savings account

Charged multiple overdraft fees for transactions that was due to a lack of {$5.00} in the account but charged {$29.00} overdraft fee. Recently, XX/XX/year>, XXXX sent a transaction for {$860.00}. Navy Federal even after I advised that this was not my premium. My son that lives in XXXX XXXX was placed on my policy without my knowledge. XXXX stated invoice was sent to my old address but never sent to me. Even after filling out exclusion form and providing documents to Navy Federal no funds were returned. I was charged {$250.00} for overdraft and XXXX  and a charge that was not approved has been allowed to stay on my account and Navy Federal did not investigate. A decision was made after reviewing my account for 3 days, and transaction was reversed. I did not approve for my son to be added and he was previously excluded in XX/XX/year>.
Product: Credit reporting or other personal consumer reports

My information was impacted by the Equifax data breach and many different fraudulent items that i don't recognize have shown up on my credit report. Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. I did not initiate any of these accounts furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 15 USC 1681 section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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. Also, they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, Company name XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Account Number XXXX XXXX XXXX XXXX XXXX, Account Number XXXX XXXX XXXX XXXX XXXX, Account Number XXXX XXXX XXXX XXXX, Account Number XXXX XXXX XXXX XXXX, Account Number XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX  XXXX, Account Number XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX O Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired XX/XX/XXXX XXXX  XXXX Inquired XX/XX/XXXX XXXX Inquired XX/XX/XXXX XXXX XXXX Inquired XX/XX/XXXX XXXXXXXX XXXX Inquired XX/XX/XXXX XXXX Inquired XX/XX/XXXX XXXX Inquired XX/XX/XXXX XXXX XXXX Inquired XX/XX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I tried to purchase WiFi internet from XXXX XXXX XXXX they said they could not check my credit due to a hard stop. They told me contact equifax I called and the automated system said there is no freeze on my account. Then I received a notice from XXXX XXXX on XX/XX/2018 saying XXXX XXXX XXXX checked my credit? I can not get answers from either company.
Product: Credit reporting or other personal consumer reports

XX/XX/year> To Whom It May Concern : I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. I demand the below accounts be deleted from my consumer report. 
Account : XXXX Account # : XXXX Account : XXXX XXXX  Account # : XXXX The reporting of these account ( XXXX ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer report. 

Best regards, XXXX XXXX **Attached a copy of drivers license/ID and a utility bill/SS Card
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the multiple unsuccessful attempts to remove fraudulent items from my credit file with Credit Bureaus. Despite my persistent efforts to rectify these unauthorized entries, the issue persists, causing severe financial and emotional distress. I became aware of fraudulent items on my credit report, indicating potential identity theft. Since then, I have diligently contacted your dispute resolution department on numerous occasions, submitted written requests, and provided all necessary documentation to support the removal of the fraudulent entries. Regrettably, despite my ongoing efforts, the unauthorized items remain on my credit file, negatively impacting my creditworthiness. I request that you thoroughly review this information and take immediate action to rectify the situation. The continued presence of these fraudulent items on my credit report is not only affecting my ability to secure credit but also causing considerable stress and anxiety. If my concerns are not addressed within the specified timeframe from the date of this letter, I will have no choice but to escalate this matter to regulatory authorities and seek legal remedies to protect my rights as a consumer. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have a loan with SYNCB/PAYPAL CREDIT. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and SYNCB/PAYPAL CREDIT with no successful resolution. XXXX, XXXX and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to property investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account are accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts Ive marked as inaccurate : XXXX Account # : XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX Account # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report 3 separate fraudulent accounts appears on my consumer XXXX  credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a personal credit card account ///opened at XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, GRANT & WEBER ARIZONA XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I have not applied for credit, I am a victim of identity theft. Theres a fraud alert on my XXXX. Please help rectify this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing Transunion for not reporting accurately on my credit report and not responding to my dispute in 30 days. I disputed inaccurate inquiries and erroneous accounts more than 30 days ago via mail and have not received a response back. I also provided the mailing slip receipt of the day this company received my disputes. Today is XX/XX/2022 and I still have no response. I want all the items that Ive disputed deleted ASAP, because they violated the fair credit reporting act and continue to report erroneous and in accurate information.
Product: Credit reporting 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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 a genc y if the person knows or has reasonable cause to believe that the information is innacurate
Product: Checking or savings account

I recieve pay that is direct deposited to my account every 2 weeks. I have not received my pay, which should have been in my account 2 days ago. The communication sent by Capital One had no accountability, remorse, or timeliness. Updates are also vague a repetitive, and they look as though they are generated by AI.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's been over 120 days! Experian is reporting a XXXX XXXX XXXX as charge off and derogatory. Furthermore, the payment history listed is entirely incorrect. Inaccurate accounts must be removed and this account is in serious violation per Federal Law. Ive submitted supporting documentation and they continue to list this to further damage my score. See enclosed documentation. 

Also, Experian has reinserted account, XXXX  XXXX on my credit report, without my knowledge, which it its my understand this is serious violation of Federal Law. 

Lastly, Experian is the only credit bureau listing XXXX collection that I have no obligation to. XXXX has been contacted. I have no obligation to XXXX nor the original creditor. XXXX has not submitted any information and denies request to provide further information. I have no obligation to this account.