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

This is the third time I've updated this questionable information by sending a letter to the XXXX credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX 
# XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  # XXXX, has violated my rights. 


In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

Dated XX/XX/2022 I received a letter from Maury Cobb Attorney at Law LLC about an inaccurate debt in my name. It appears to be identity theft from XXXX and XXXX XXXX XXXX ; I did not give consent for my information to be sold to multiple third party companies. Maury Cobb Attorney has called me multiple times falsely stating that I must pay this inaccurate debt. Pursuant to 15 US Code 1692c.
Product: Credit card or prepaid card

DECEPTIVE ( UN ) TRUTHFUL CREDIT LENDING STATEMENTS. MADE TO APPEAR LIKE ADJUSTMENT PURCHASES ( - ) with cute minus signs all listed above the total line are included in this figure. ( ** THEY ARE NOT INCLUDED IN THE TOTAL CREDITS APPLIED LINE UNDERNEATH ALL THE AMOUNTS LISTED ) ** They are LISTED ONLY See attatched USAA XX/XX/2019 Statement. Kindly Note the adjustment purchases temporary fraud credits NEVER ARE INCLUDED IN TOTAL CREDITS GIVEN they total {$1.00}, XXXX and ONLY {$910.00} Total Credits APPLIED ** USAA TAKES CREDITS NEVER PROVIDED. see. XXXX TRANSACTIONS card XXXX SECURITY ADJUSTMENT ( OF ) REVERSED CREDIT {$120.00} & $ {$210.00} = ( {$340.00} TAKEN BUT USAA NEVER GAVE ) then TRANSACTIONS card XXXX XXXX SECURITY ADJUSTMENT ( OF ) {$12.00}. & {$110.00} TAKEN NEVER GIVEN USAA REVERSES CREDITS NEVER PROVIDED. Kindly Note USAA CREDITS NEVER APPLIED DECEPTIVELY MADE TO APPEAR AS CREDITS PROVIDED = All USAA adjustment purchases ARE BOGUS Kindly Note ONLY {$910.00} TOTAL CREDITS APPLIED ( {$1.00}, XXXX CREDITS DECEPTIVELY HIDDEN INTERNALLY & MISSING {$1700.00} USAA CREDITS. )
Product: Checking or savings account

My checking and saving account was been closed on XX/XX/XXXX. The last status of the account is XXXX " Debit DDA - Check Charge '' with amount - {XXXX} and- {$850000.00}. Including another " CHECK OR SUPPLY ORDER PPD '' with amount - {XXXX}. 
I called Chase 's customer service and got the answer that due to the sender of XXXX of my cashiers check deposit won't be able to verified. The cashier check is {XXXX} and deposited on XX/XX/XXXX. Then they decide closed my account. I only got the {$65000.00} check but missing the XXXX} check.
Product: Credit reporting or other personal consumer reports

I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 


XXXXXXXX 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: Mortgage

I asked for a deferral and time to apply for the California Relief Program. It is so disappointing that SPS is not participating in this program. After waiting for months for this program to open it was disheartening to receive this email : Dear XXXX XXXX Thank you for your application to the California Mortgage Relief Program. We will save all of your information that you have submitted and begin reviewing your case when your mortgage servicer elects to join the program. 

Unfortunately, your mortgage servicer is not currently participating in this program. Because program guidelines dictate that funding for approved applications goes directly to the mortgage servicer, we can not process the application if the servicer is not participating. 

Although we have explored a variety of avenues to encourage all mortgage servicers to engage in the California Mortgage Relief Program, some have not yet taken action to join the program.

It might be helpful if homeowners also send a request to their mortgage servicer to participate.

Below is a sample email you can send to your mortgage servicer asking them to participate in the California Mortgage Relief Program.
Product: Debt collection

I signed up with XXXX for home wifi in XX/XX/XXXX. 
I paid the accounts until I got a better deal from XXXX at which time in XX/XX/XXXX I cancelled the account at XXXX. They gave me an RMA ( return merchandise authorization ) to return the equipment. 

I packed it up and dropped it off at XX/XX/XXXX XXXX and got a receipt. XX/XX/XXXX Since then they started billing me, but my account was settled by returning the equipment.
Product: Credit card

I've always made sure to pay this account on time, never letting payments become overdue. I'm uncertain why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the 2nd time in 2 days, I got denied a loan because they think my car was repossessed by Santander. Whatever lingo is in the community as far as reporting, they are using words that make it appear I defaulted on this loan. I did not default on this loan. I was severely hit by a drunk driver who totaled my car. My insurance paid the majority of it and the rest is really interesting to me. Santander at last minute during the approval process enforced that I include their GAP insurance protection, and it was sold to me, as a no worry, 2nd form of protection so if anything like what happened to me happened, I was covered. So somehow, between XXXX XXXX XXXX who I have already had to take to court and Santander, they seem to have left {$1000.00} on my account and they opened it after the load and then closed it and I see that that is why everyone thinks that I had a repo. Because they think it was to court or diminished value. This needs to be reported as an accident or if closed removed. I would like to see the details of this GAP insurance i paid for that was either around or more than the total of what they have left on this account. You can not report these things like this and aim to damage someone's reputation who was a victim of a drunk who chose to drive and hit someone. I have two people now who have denied me and I am enclosing the angry conversation I had with one Finance Dept Individual who was XXXX enough to say in text what she thought, but it will help me prove my point of damage.
Product: Credit reporting or other personal consumer reports

ABILITY RECOVERY SERVICES , LLC wrongfully put a debt on my credit report that is not mine and due to identity theft. I also submitted a request for a verification of debt/contract and have had no response. This account number is not mine. Ive filed ID theft report with FTC and will pursue legal action for slandering my Reports. I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. These accounts were opened fraudulently : Disputed Account : ABILITY RECOVERY SERVICES LLC Account Number : XXXX
Product: Credit card

Throughout the history of this account, I've consistently made sure that payments are made on time, avoiding any instances of overdue payments. However, I find myself uncertain about the origins of reports indicating late payment remarks on my accounts. Referring to 15 USC 1666b - Billing Error, corrections should be made.
Product: Payday loan, title loan, personal loan, or advance loan

I had previously asked for some help on getting the monthly payment lowered because I couldnt afford the payment because it went up and that wasnt discussed in loan agreement. I was greeted with disrespect and hung up on.
Product: Debt collection

This is not an account that is owned by me and I did not authorize anyone to open this account in my name. There where no other options that fit my dispute so I choice any option to progress.

I am a recovering victim of ID Theft which arose from a stolen wallet in XX/XX/XXXX and I have kept a vigilant eye on my credit so in XX/XX/XXXX I aquired my ( 3 ) credit reports from each of the bureaus and was horrified to find that there are ( 13 ) unknown accounts on my credit and numerous amounts of inquiries which I did not authorize therefore, I exercise my right to request validation for each of these accounts.

On XX/XX/XXXX using the address and account numbers reported on my credit report I wrote my first letter to XXXX XXXX XXXX XXXX account number XXXX for the amount of {$710.00} and XXXX XXXX XXXX account number XXXX for the amount of {$400.00} and did not receive a repsonse from this company.

On XX/XX/XXXX I wrote a second set letter this time mailing it by USPS certified mail and informed them again that the account was unknown to me and that I requested full validation including signed contracts and Identifiation used to qualify this customer. Please see the attached letters and proof of mail by certified delivery.

Again I received no resonse therefore for the THIRD time I wrote to XXXX XXXX  about these ( 2 ) unknown accounts reporting on my credit and again I received no response.

To determine if this is an issue of identity theft or somebody with the same name as I, I requested information verifying the transaction and details such as ; 1. was this account opened in person or on line 2. what identification was used to verify the customer opening the account my request was and still is for validation including competent evidence bearing my signature and a copy of the instrument used to secure a contractual agreement that now proves I am obligated to pay.

I made it clear in my letters that the negative marks found on my credit report held by the ( 3 ) reporting bureaus and reported by their company or any other company that they represent for this debt that I do not owe IS a violation of the FCRA and FDCPA and I requested that if this debt can not not be validated this company must take steps to have all reporting bureaus delete this entry immediately.

It is ridiculous that it is now over 12 months 1 year and 8 months to be exact for future reference since my initial request for validation in XX/XX/XXXXwhich is now well over the 30-45 day time frame as per law and this collection company is out of compliance.

Under advise, I wish to informed XXXX XXXX   that I am prepared to take steps to file a small claim case on both accounts in my county small claims court. I would like to make this one last good faith effort and ask for the assistance of the CFPB in obtaining one of two things 1. that this company provide me with full debt validation as per FCRA & FDCPA 2. deletion of this invalidated account from my credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is showing a high balance of {$8000.00} on my XXXX XXXX credit report. This is impossible, because the account was paid off through a forgiveness program years ago. The account is also past the 7 year statute of limitations, and should have been removed from my credit reports years ago.
Product: Debt collection

I have found a collection account on my credit report in XX/XX/XXXX. ( I pay everything on time. ) I have disputed the charges with all XXXX credit bureaus. XXXX and XXXX took it off after investigations but XXXX did not.

This moth ( XX/XX/XXXX ), I have received a letter from PMAB LLC collection agency the first time, likely due to my dispute at the XXXX, but the phone number or address of the medical service provider was missing. I did not recognize the name of the doctor 's office neither any services or charges.

I immediately called the collection agency and asked for the phone number or address of this medical office. The collection agency agreed to provide it the next day but they have never called. I looked online by the name of practice and the last name of the doctor on I could find as an identifier and found this group of doctors was located in a town I have never been ( three hours away in the neighboring state and multiple visits ), I have never seen this doctor, never received medicare nor have I ever received home service.

I have health insurance through work ( same for last 8 years ) I have the same phone number for 20 years and my address could have been easily found on the web yet I was never notified about these charges. My address shown by the doctors were also old from years before they claim the service was provided. Drs always verify insurance and address.

There must be a way for the collection agency to bear the responsibility to investigate upon request and the drs office to reach the accused before making false claims. XXXX   said the collection agency bought this debt so I should not go back to the doctors. I wonder if the drs office knows about this at all and the money channels somewhere else in cases like this.
Product: Debt collection

Clark County Collection never mail no notice to the situation nor did I pay them or anything.

Clark county Collections had no legal right with this account due to I was delayed with XXXX  XXXX with the final bill and dispute with the account after moving to another state. 

The bill was resolved with XXXX  XXXX not Clark County Collections. 

XXXX XXXX replied back with some run around answer with has nothing to do with Clark County Collections being put on my credit report to the debt. 

I did not settle no debt with Clark County Collections admitting the debt to Clark County Collections as they place with Credit Bureaus nor any notice to dispute the said debt. 

My concern is not that it was paid it was not legal done by Clark County Collections When talking to XXXX  XXXX with the situation was told after we came to agreement Clark County Collections was not anywhere in the agreement of the debt nor paid to Clark County Collections.

after talking to an attorney about the debt.

There was no payment to Clark County Collections with the debt nor payment to settle with Clark County Collections legal of the said debt. 

My step after talking to an attorney is to file a lawsuit on Clark County Collections/ XXXX XXXX being by her Reply. 

Ther was no legal notice provided by Clark County Collections/ XXXX XXXX XXXX she stated. 

Clark County Collections violated legal rights with notice to the debt and I have phone records as to how many calls to XXXX  XXXX regarding the matter that they had all mess up after Relocating.
Product: Mortgage

When I has Wells Fargo I paid over XXXX dollars in payments that was nerver applied to my mortgage and no one would help me then they sold my mortgage to XXXX XXXX and now I have a new mortgage again but my complaint is with Wells Fargo and no one would help me and they also wrongly foreclosed on me and had to give my house back and no one paid for for the loss of work or tell me where my XXXX XXXX dollars went
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Vehicle loan or lease

In XX/XX/XXXX we purchased a preowned XXXX XXXX XXXX XXXX from XXXX XXXX in XXXX California and presuming XXXX two months later we started having lots of issues with the vehicle lots of vehicle recalls vehicle starling in the middle of the freeway and road airbag lights going off and on ignition switch authorityVehicle key falling out of the ignition switch so we had to vehicle after numerous attempts of trying to get the vehicle repaired VA dealership in speaking to the finance company we finally had the vehicle volunteer to report in XX/XX/XXXX now its XX/XX/XXXX we have been served with a summons to appear in court in XXXX of this year and we have tried to negotiate with the finance company to go down on the bill because they auction off the vehicleAs we know they should have been a violation of the lemon law since then numerous threats about selling us to court numbers harassing phone calls people saying that they have a summons and they are in attorney first appear in court
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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

I am filing a cease and desist notice against CAPITAL ONE AUTO FINANCE. Cease and desist means to cease and desist all communication directly or indirectly through ANY medium. Communicating with me about an alleged debt through the consumer reporting agencies is a violation of my consumer privacy rights. I am aware that through the Gramm-Leach-Bliley-Act that financial institutions such as CAPITAL ONE AUTO FINANCE are required by the FCRA to tell their customers about their information-sharing practices and explain to customers their right to " opt out '' if they don't want their information shared with certain third parties. I was never given a right to opt out as explained above which is a direct violation of my consumer rights. I demand CAPITAL ONE AUTO FINANCE to cease and desist all communication with me directly or indirectly through any medium and to cease reporting my non-public private information to any third parties seeing IT WAS NEVER EXPLAINED TO ME THAT I HAVE A RIGHT TO OPT OUT OF MY INFORMATION SHARED WITH THIRD PARTIES. Failure to comply will result in your violations being brought to the XXXX XXXX XXXX, MASSACHUSETTS ATTORNEY GENERAL, FTC and I will seek legal counsel.
Product: Money transfer, virtual currency, or money service

On XX/XX/18, at XXXX, I saw a posting on XXXX ( XXXX XXXX XXXXXXXX ) for sporting event tickets. The events was a hockey game, XXXX v. XXXX, that same evening at XXXX. I contacted the seller and offered {$200.00} for the pair. The seller responded in the following way : " Yes for the pair. Payment are done with XXXX. Will need your first and last name and the email you use for XXXX ''. I agreed to the sale and sent the seller my name and email. I subsequently went to my Wells Fargo ( " WF '' ) banking app ( my WF account : XXXX ) and sent {$200.00} to the seller using XXXX. The seller 's name was XXXX XXXX and his email was XXXX. After sending the funds, I contacted the seller via email to inform him that the money transfer was complete. I waited and waited for the seller to send me the event tickets via XXXX, but I never received the goods. I sent follow-up emails to the seller, but I did not get a response. I next resorted to contacting my bank, Wells Fargo. I spoke with at least five different people at WF,  including XXXX ( an escalation specialist with WF customer service ), XXXX ( customer care team ), and XXXX ( online customer care ). In short, all WF employees informed me that their hands were tied since I was the party who knowingly initiated the transaction. I complained to them about not having fraud protection in these types of circumstances despite being a loyal customer for about 30 years and the fact that I used their mobile application to complete the transaction. They indicated that they could not investigate the fraud claim further. I informed them about the misrepresentations WF appears to make as it relates to XXXX. XXXX is heavily advertised on the WF website and app, which gives the impression that it's a reliable and protected method to send and receive currency. WF didn't appear to care about my complaints. The last WF employee I spoke with said that they would create a WF case ID number for my complaint ( # XXXX ) and that the case management executive office for online banking ( XXXX ) would contact me within 24 hours to further assist me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report I was caught surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$2600.00} XXXX  XXXX {$2600.00} XXXX XXXX XXXX {$2200.00} XXXX XXXX {$3000.00} XXXX XXXX XXXX {$3300.00} XXXX  XXXX {$1200.00} XXXX  XXXX {$1200.00} XXXX  XXXX {$2600.00} XXXX XXXX {$180.00} XXXX  XXXX {$2600.00} XXXX XXXX {$3000.00} XXXX XXXX {$1200.00} XXXX XXXX {$380.00} XXXX  XXXX {$450.00} XXXX   XXXX {$1100.00} XXXX XXXX {$3500.00} XXXX XXXX {$1900.00} XXXX  XXXX {$370.00} XXXX  XXXX {$1200.00} XXXX XXXX {$96000.00} XXXX  XXXX {$840.00} XXXX   XXXX {$1100.00} XXXX XXXX {$770.00}
Product: Checking or savings account

After filing my initial complaint, the bank retaliated by closing my account and restricting access without notification and justification.