23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This consumer doesnt know you. Who are you and by which authority did you contact me? I require you to swear under penalty of perjury under the laws of the United States of America this debt is true within 5 days of this notice. 

Take note, pursuant to Regulation Z 12 C.F.R. 15 U.S.C. 1635 Right of Rescission, I rescind my entire consumer transaction. In addition, criminal fraud, identity theft, and conversion of property have no statute of limitations and I will defend against and seek remedy for deprivation of any rights, privileges, or immunities secured by the FDCPA against any and all guilty parties. 

I choose not to do business with you and your partner ( s ) any longer and CALL ALL AMOUNTS DUE IMMEDIATELY! 

I also revoke, cancel, and make void ab initio all powers of attorneys, in fact, in presumption, or otherwise, signed either by me or anyone else, claiming to act on my behalf, with or without my consent, as such power of attorney pertains to me or any property owned by me, by, but not limited to, any and all quasi/colorable, public, governmental entities or corporations on the grounds of constructive fraud, concealment, and nondisclosure of pertinent facts. Please send me the 1099-INT form from the IRS. 


According to the Federal Trade Commission : You must provide authority to collect on your behalf. 

812. Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 
( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 15 USC 1692k of this title for failure to comply with a provision of this subchapter.

( Pub. L. 90321, title VIII, 812, as added Pub. L. 95109, Sept. 20, 1977, 91 Stat. 880. ) I hearby affix my non-negotiable autograph with explicit reservation of all my unalienable rights and my specific common law right not to be bound by any contract or obligation which I have not entered into knowingly, willingly, voluntarily, and without misrepresentation, duress, or coercion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Affidavits Attached XXXX XXXX-XXXX v. XXXX XXXX XXXX, the judge through that case ruled that the court can not just rely on computer generated documentation, instead the court has to do an investigation. Upon contacting XXXX XXXX, XXXX, and Transunion, and XXXX  in reference to an unverified bankruptcy reporting on my credit reports that they maintain under my social security, noting that XXXX XXXX had an inaccurate social security number reporting. 

Looking into my Transunion report, on it's website ( https : //www.transunion.com/XXXX ) it listed XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX ( `` XXXX '' ) as a provider of the bankruptcy information to TransUnion. FCRA Section 611 ( a ) ( 2 ) requires Transunion and XXXX XXXX to ONLY report information from the original furnisher of the information and to provide me with the name, address, and telephone number of each federal bankruptcy court clerk contacted regarding this unverified bankruptcy showing on my XXXX XXXX and Transunion report. 

Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. Therefore, any 3rd party validation or subscription to PACER is not validation and is a  violation of FCRA 611 ( a ) ( 2 ) which requires you to notify the party who furnished the disputed information which is an additional violation of section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) which prohibits unfair or deceptive acts or practices by purposely reporting information that they have assumed is verifiable based off circumstances.
Product: Credit reporting or other personal consumer reports

There is an inquiry listed on my credit report that i have not authorized neither did i have knowledge of it. Some one tried to get credit in my name with out me knowing.
Product: Credit reporting, credit repair services, or other personal consumer reports

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


XXXX is govern by 15 USC 1681, and they violated my rights numerous of times. I demand the accounts the accounts listed below be removed because. 

According to 15 USC 1681 : I have the right to privacy, and I did not give XXXX written permission to furnish these accounts. 

Accounts XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$0.00} XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Institution Information XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

-- -- -Original Message -- -- - From : Myself Sent : Wednesday, XX/XX/XXXX XXXX PM To : XXXX Cc : My Attorney Subject : Emailing : XXXX Dispute - XXXX XXXX XXXX XXXX To whom it may concern : I just spoke to XXXX XXXX XXXX XXXXXXXX XXXX XXXX today regarding the claim by XXXX that I owe them {$190.00}. I attempted to talk to them without any resolution so I sent the attached bill to XXXX XXXX and they agreed that I should not have been charged and issued a credit. The account was closed on XX/XX/XXXX and XXXX illegally kept my credit card number and made this charge after the account was closed. As you can see the bill was for service from XX/XX/XXXX through XX/XX/XXXX. I should probably just go ahead and get a lawyer and sue them but I don't want to waste time dealing with anything this minor. However, please let XXXX know that if I hear anything else regarding this issue the next response will be from my attorney. You can check my credit report and you will not find where I have ever failed to pay anything. 

Thanks,
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX 15 U.S.C 1681 section 602 A states I have to right to privacy. 
15 U.S.C 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 or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 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: Debt collection

Consumer comment XXXX SUBMITTED ON XX/XX/year> PRODUCT Company ignored the out of code and illegal improper install documents and could not provide proper permits showing the AC system permits. Company ignored the illegal and dangerous gas line. AKA illegal. Out of code. Not allowed by permits. Company also ignored my submissions showing illegally installed and out of codes violations. But at the same time they alleged to have approved reimbursement for the illegally installed put of code no permitted gas line. And totally ignored anything else submitted. That has cost me thousands or still needs properly installed. AKA legally. And properly. 

Company has since ignored all emails and all messages. And lied when they said they called me in response since my initial submission annotated at the top. Also ignoring their own employees emails to call me back. That I have records of as well. 

I have never been reimbursement whatsoever.
Product: Mortgage

I have first and second mortgages. My ex abandoned me and went a head and bought another home on her name only. She is the bread winner of the Home. My name and her are in the mortgage. As a result of her actions against me I was hit with a terrible hardship at the same time loss of income. My mother was terribly sick and passed away with covid XXXX sickness in the year XXXX. I was really devastated I couldnt be able to keep up with the payment of both mortgages since XXXX she abandoned me. So am kind of appealing to my mortgage company to give time to at least some months like 4 months to seek for help to keep my Home but they dont want to work with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I reviewed my credit with XXXX and they have my XXXX score is very damaging at XXXX in which it should be higher than that. XXXX statements of 60 days late payment and collection and 10 hard unauthorize inquiries has n't been deleted from my credit file after my file Bankruptcy Chapter XXXX on XXXX XXXX and it was Discharged by XXXX XXXX Federal Judge on XXXX XXXX No negative statements, collections and unauthorize hard inquiries should n't be on my Credit report with XXXX, XXXX and Transunion. I did n't authorize no creditors to pull my credit without my personal signature, and if my signatures was provide it, than creditors should supply to Federal Government. The ten hard inquiries 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX.XXXX.XXXX pulled on XX/XX/XXXX XXXX XXXX XXXX . 2.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX pulled on XX/XX/XXXX and XX/XX/XXXX 3.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX.pulled twice in XX/XX/XXXX, even though I have car loan with XXXX why they pulled my credit without my consent. 4.XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX pulled on XX/XX/XXXX5.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX.pulled on XX/XX/XXXX 6.XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX.pulled on XX/XX/XXXX 7.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX . XXXX.pulled on XX/XX/XXXX 8.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.XXXX XXXXpulled on XXXX/XXXX/XXXX 9.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX . XXXX.pulled on XX/XX/XXXX 10.XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX.pulled on XX/XX/XXXX and XX/XX/XXXX These are hard inquiries that are damaging my credit scores and plus collections and negative statements by XXXX, Transunion and XXXX. <P/>Also I never resided or lived at XXXX XXXX XXXX XXXX, XXXXXXXX.This address is on XXXX, Transunion and XXXX.This is Fraud.address
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX incorrectly applied two mortgage payments inXX/XX/2018. This created a delinquency for XX/XX/XXXX payment and beyond. Ive been in contact with XXXX since XX/XX/XXXX and the problem is only partially resolved. XX/XX/XXXX-XX/XX/XXXX shoe correct payments on time. XXXX- present show as delinquent and this is incorrect. Ive submitted copies of cashed checks and the problem has not resolved.
Product: Checking or savings account

On XX/XX/XXXX I woke up at XXXX XXXX and was alerted on my phone that I withdrew {$260.00} from ATM located at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I immediately called the bank and filed a claim for fraud. According to the online bank details the money was withdrawn at XXXX XXXX XX/XX/XXXX. I could not have withdrawn that amount as I was sleeping. I did not lose my card and I did not give anyone my pin. I had the card on me. The money was withdrawn from the banks branch outside on an ATM. They should have video footage. The next day XX/XX/XXXX I got an alert saying the claim was completed, so I called to check on the status. They said that the case was closed and that they would NOT be reimbursing me for the amount of {$260.00} and that they determined it was not fraud. That they could not provide me with video footage or anything else. That they could not re-open the case. I do not understand how it could not be fraudulent and how they could not investigate any further if they have all the evidence they need. I ordered a new card that same day XX/XX/XXXX after submitting the fraud claim to evade more fraud occurring. 

I was affected Financially. The {$260.00} that were stolen from my account were going towards my car lease. Now I'm going to pay it late and will get late fees charged. I don't even know how I'm going to come up with the money. I might even get my car taken away from me. I can not afford to lose this money. Specially due to the Worldwide impact of COVID-19.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my identity stolen, they took EVERYTHING from me they even took over.credit record..I can't even get my own records, It feels like I'm being XXXX over a over again XXXX can't afford a lawyer g
Product: Debt collection

Saturday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX SSN : XXXX | XXXX : XX/XX/XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify- Pease send validation of alleged debt to include documentary material, the original or any copy of any book, document, record, report, memorandum, paper, communication, tabulation, charts, logs, electronic files, or other data compilations stored in any medium. 

If you can not provide the viable proof that this alleged debt is mine and has been reported to my credit then it must be removed from ALL reports immediately. 


I demand the following accounts be verified or removed immediately : Account Name : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Account Number : XXXX Reason : Unverified account
Product: Credit reporting or other personal consumer reports

I noticed the items on my credit report doesnt belong to be since than I filled a report to the FTC that I will attach to this filing. For the three credit bureaus this problem has been going on for years now and I have been trying everything possible to clear up the situation. 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. 
Account : XXXX XXXX amount {$3700.00} Account : XXXX XXXX XXXX XXXX {$760.00} Account : XXXX XXXX {$500.00} Account : XXXX XXXX XXXX XXXX {$1100.00}. 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, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that appear on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). These items have had a significant negative impact on my credit score and I believe they are inaccurate. I request that you investigate these items and remove them immediately from my credit file. 

XXXX  XXXX - Account Number : XXXX I am surprised to see that you have reported a late payment on my account. I have never been late with any of my payments, and this inaccurate information is damaging to my credit. As per my rights under the FCRA, I request that you remove this inaccurate information from my credit file. 

XXXX XXXX  XXXX - Account Number : XXXX I am surprised to see that you have reported a late payment on my account. I have never been late with any of my payments, and this inaccurate information is damaging to my credit. As per my rights under the FCRA, I request that you remove this inaccurate information from my credit file. 

XXXX - Account Number : XXXX I am surprised to see that you have reported a late payment on my account. I have never been late with any of my payments, and this inaccurate information is damaging to my credit. As per my rights under the FCRA, I request that you remove this inaccurate information from my credit file. 

XXXX XXXX - Account Number : XXXX I am surprised to see that you have reported a late payment on my account. I have never been late with any of my payments, and this inaccurate information is damaging to my credit. As per my rights under the FCRA, I request that you remove this inaccurate information from my credit file. 

XXXX XXXX XXXX - Account Number : XXXX I do not recognize this account, and this inaccurate information is damaging to my credit. As per my rights under the FCRA, I request that you remove this inaccurate information from my credit file. 

XXXX XXXX  XXXX XXXX  - Account Number : XXXX I am surprised to see that you have verified this account when other bureaus could not. This inaccurate information is damaging to my credit. As per my rights under the FCRA, I request that you remove this inaccurate information from my credit file. 

XXXX XXXX XXXX - Account Number : XXXX I am surprised to see that you have verified this account when other bureaus could not. This inaccurate information is damaging to my credit. As per my rights under the FCRA, I request that you remove this inaccurate information from my credit file. 

I kindly request that you investigate these items and remove them from my credit report as soon as possible, as per my rights under the FCRA. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I made an online bill pay in the amount of {$900.00} to XXXX XXXX using the Credit Karma app. The funds have been taken out of my account but XXXX XXXX informed me that they did not receive this particular payment. I contacted credit karma on XX/XX/XXXX and asked why XXXX XXXX did not receive my {$900.00} payment. I was informed by the credit karma representative that they sent the payment to XXXX XXXX. On XX/XX/XXXX I called credit karma again regarding this payment. I told them that XXXX XXXX wants me to get an electronic transmittal form from credit karma so that they can investigate why they have not receive my {$900.00} payment. I was informed by the representative I spoke to that credit karma does not issue or have such form ; they can only provide me a bank statement. I reminded the representative that XXXX XXXX will not accept a bank statement. Knowing I wont get the form I requested I asked to dispute the payment. On XX/XX/XXXX I called credit karma once again regarding the same issue. After getting tossed around four departments, I was told that I didnt file a dispute, then you did but its closed because you didnt send us the documents we requested. I informed the representative that she was wrong, provided her with my case/dispute number and pulled up the email I received from credit karma regarding my dispute and read it to her. I also informed her that I replied to the mail and attached a pic of my state issued id ( front and back ) and a picture of my debit card. She said she can see my reply but there is no document. So I asked her to provide me with the phone number of their corporate department and she said they dont have one. I asked for this number to speak to someone else who can maybe be help me with my case or escalate it.
Product: Bank account or service

I 've a Bank of America checking and saving accounts. There were XXXX unauthorized transactions, totaling {$2000.00} I called BofA customer service to report the charges. Instead of blocking my card to prevent further use, it was left open. I 'd to log in online and transfer my remaining balance into my other account. 

A claim was filled ( Claim number XXXX ), I was told I would receive provisional credit, but did n't. Bank of America stated amongst many reasons that 1 ) I logged into my account online, 2 ) I was sent a fraud text alert on my number on file, 3 ) that there was a posted/authorized transaction made after the charges in question. I called for the Claim to be re-reviewed, but Bank of America is n't interested in investigating the Unauthorized charges, because they do n't want to give provisional credit, pending the outcome of the investigation. XXXX XXXX called me from the Consumer Response Office, but to my surprise, the claim was already denied and closed, and an investigator claiming to be the one handling the case did n't even know that. That made me wonder if they were actually working on it or just counting days and have a ready made answer for every customer they want to deny. 

Let me state that I promptly called Bank of America the moment I found out my card was missing ; the banker claimed to have blocked the card, and the claims analysts I spoke to, said it was still open and active. I logged online and transferred my remaining balance to my savings account, and that was done after I found out my card was missing and that 's what BofA is regarding as a valid transaction. The number on file ending in XXXX is a home phone that is not text-enabled, so I do n't know who could have responded to a text that can not be received in the first place. Looking at the fraudulent charges online, I called the Merchants and XXXX which has XXXX of the XXXX charges said Bank of America never contacted them regarding the charges, that they are a convinient store and they do n't check ID when using credit cards for most transactions, thus fraud could have occurred. 

So the question is, if Bank of America never contacted the merchants, never did any investigation, how was my claim denied? On an information without hearing from the Merchants? 

It is evident that Bank of America rushed to conclude the investigation, so as to not be liable to issuing me provisional credit, as stipulated by the cardholder 's agreement, pending the outcome of the investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently been trying to resolve late payments that XXXX XXXX has reported to the 3 credit bureaus on my account. On XX/XX/2023 XXXX XXXX granted permission to Equifax to remove my inaccurate late payments from my credit report, which I was very grateful for as Im trying to buy a home for myself and my daughters. I called Equifax and confirmed with an agent that the late payment had been removed and I was told XXXX XXXX agreed to remove the late payment. I then called XXXX XXXX asking if they could report this to the other two bureaus and was met with attitude from a supervisor on this matter. Today, XX/XX/2023 the late payments showed back up on my Equifax credit report further damaging my score. This has severely effected my plans of buying a home and does not seem appropriate according to the fair credit reporting act. If you could please help me resolve this matter it would be greatly appreciated. Thank you!