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

The Credit Bureaus stated that my XXXX account was properly investigated, but how is that possible if the High Balance is inaccurate, the Last verified date is inaccurate, Date Reported is inaccurate, the Date Opened is inaccurate, the Closed Date is inaccurate, the Creditor Type is inaccurate, the Creditor Remarks are inaccurate, the Last Payment Date is inaccurate, the Credit Limit is inaccurate, and the Date of Last activity is not accurate, each of these are a SEPARATE VIOLATION. They also unlawfully reported my payment history in these months and years XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX each of these dates are a SEPARATE VIOLATION. Because of the multiple inaccuracies on my credit profile which have negatively impacted my credit I have been unable to find housing and transportation for myself and my child! This is grounds for removal. They also violated my rights under 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXXThis serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I'm in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. the inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with the fair credit reporting act, public law 91-506, title VI, section 611, please provide the names and business addresses of each individual with whom you verified the account, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Checking or savings account

My name is XXXX XXXX and I am XXXX XXXX XXXX and I am dictating this letter to my daughter, XXXX XXXX. I have an account with XXXX XXXX for about 30 years, and I have an account with Bank XXXX XXXX. A couple of weeks ago, I received a phone call from XXXX XXXX indicating that I had a margin call and that I needed to deposit XXXX dollars or they would liquidate my stocks. The dividends from these few stocks help me to live. I was not sure why I owed that money and what exactly a margin call was. I called my daughter and she called XXXX with me on the phone. That is when I found out that someone fraudulently wired and transferred about XXXX dollars out of my account without my knowledge or permission. It was then wired out to my XXXX account, without my knowledge or permission. From there, it was wired out to an unknown account at XXXX XXXX. I reported this to all 3 institutions. I was never notified of any suspicious activity on my account at XXXX. In all my years, I have never taken out money on margin. Nor have I ever requested a wire transfer. XXXX has informed me that there is nothing they can do and that they will not refund me the money that was taken fraudulently from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to make a false report about Experian credit report agency. They have reported on my credit report that my XXXX XXXX XXXXXXXX XXXX XXXX XXXX was closed and wrote off. This is incorrect and I will attach documents from XXXX that I have never been late. My account is still active and up to date. This dropped my credit score around XXXX points for nothing
Product: Money transfer, virtual currency, or money service

I made an advertisement on this website : XXXX XXXX XXXX/ for a developer to about something on a video game. After claiming he was a developer, a person contacted me ( XXXX XXXX XXXX to take the job offer. After a good faith agreement, I hired him on. After paying him XXXX times because he lied about not receiving the money the first time, and it wasn't correct, I did not wait. He did not deliver what he promised. The transaction was done through TransferWise. I ordered a chargeback from my bank after finding out I was scammed. Transferwise does not do refunds. I have to contact TransferWise again to see if I can make a deal with them, but if I can not, I will have to pay the original amount I got scammed, which is roughly {$690.00}. I will ask if TransferWise lost money. If they did, I understand I will have to pay back what I owe and see about claiming my money back from XXXX XXXX XXXX who claims to live in XXXX, XXXX ).
Product: Mortgage

Fay servicingin the selling our house in a foreclosure we do not know if they have the authority because we have not received a notice of servicing transfer and we have no paperwork stating do they own the loan and we want them to prove a chain of title transfer
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly disputed a collection account appearing on my credit report. On XX/XX/2017. I wrote a check to the USPS. I wrote the check on an account that I had  closed. I just happens to have the old check book still in my car and used the wrong check book. Once I was notified by my local Post office, I immediately went back to the post office and redeemed the check with a money order. However they still gave it to a collection agency and it has been passed around for several years. I have made several trips to the post office to no avail. I have called the toll free number and gotten no results. I have called the collection agency listed and they will not remove the incorrect information. I have disputed with all three credit reporting agencies with no positive results. My credit score suffers and I am repeatedly denied credit because of this. Please assist me in resolving this matter that has persisted for several years now.
Product: Credit reporting or other personal consumer reports

I want to filling a complaint against XXXX, XXXX XXXX TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX, XXXX & TransUnion consistently responds within 24 hours the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which is mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX & TransUnions actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX, XXXX XXXX TransUnion complies with the federal law and provides consumers with necessary proof of investigation.
Product: Debt collection

I have several collections accounts on my credit report through LVNV and Resurgent. They keep calling and threatening me and calling too late at night!! It's ridiculous!
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "
Product: Credit card

I responded to Discover credit card 's promotion offer XX/XX/XXXX. In particular, Discover offered 10 % rebate for purchase at XXXX XX/XX/XXXX. I made purchase at XXXX following the instruction at discover.com. However, Discover credit card did n't honor its program to give me the rebate it had promised. I have been chasing the money since. I contacted Discover credit card several times, initially, it told me that Discover offered 5 % rebate, not 10 %. I asked Discover to provide its document to show the 5 %, not 10 %. It has never provided any document. Then, it changed its position, told me that Discover credit card did not offer any promotion at XXXX. 
I field complaint against Discover credit card XX/XX/XXXX. Discover credit card responded with the complaint was not authorized user. It is total lie. The attached documents show that I do go by different names and Discover credit card is fully aware of my names. 

In summary, Discover credit card has unfair dealing and cheating me on the promotion.
Product: Credit reporting or other personal consumer reports

I reviewed a copy of my credit report and I noticed a account that is the result of fraud I contacted the creditor and asked to verify this account and it wasnt done I also requested a block of this information from my credit report from TransUnion XXXX and XXXX per fcra subsection b and 15 usc 1681 c2 and I never received a response back for this request Please block this account immediately XXXX XXXX XXXXXXXX Amount {$2000.00}
Product: Mortgage

XXXX allegedly executed an assignment of mortgage on XXXX/XXXX/XXXX and alleges that XXXX was the assignor and XXXX was the assignee. This document was not recorded in the XXXX XXXX records until XXXX/XXXX/XXXX and the document was NOT recorded by XXXX The document was recorded by XXXX XXXX XXXX and prepared by a known robo-signer and false document mill by the name of XXXX XXXX. The document states that it should be returned to XXXX XXXX XXXX after being recorded. There are XXXX loan numbers on the assignment. XXXX belongs to XXXX XXXX ( XXXX ) and the other belongs to XXXX ( XXXX ). There is also a min number ( XXXX ) on the document and the first XXXX digits of the min number are the company number for XXXX XXXX XXXX. At the time this document was prepared and signed, XXXX, had in fact been defunct for 2 years. XXXX merged and became XXXX for name purposes only in XXXX. When the assignment was executed, the loan was with XXXX XXXX and there was never an assignment of mortgage made from XXXX to XXXX XXXX. When this document was recorded, XXXX fully purchased the loan from XXXX XXXX. This assignment of mortgage is a fraudulent document. XXXX , Inc nor XXXX has ever had a license in the state of Fl. to service, lend or perform any functions regarding to mortgages. XXXX or XXXX, did not have the authority to assign my mortgage to XXXX. This document was signed 2 years after the co. was defunct and this company was never a member of XXXX.The company that prepared the assignment is XXXX XXXX and this is a known robo signer and fraudulent document mill. There are XXXX different companies involved on the assignment of mortgage.I have a statement from an employee at the company WMC Mortgage which is now the company for XXXX in regard to a QWR I sent stating " XXXX nor WMC would have the duty to respond as neither was your loan servicer ''. How did XXXX have the authority to assign my mortgage to XXXX when XXXX was not the servicer or the owner? It is my understanding that an assignment of mortgage has to be made by the owner or original lender, otherwise my next door neighbor could walk into the court house and assign the mortgage to himself.Why would a company that did not own my mortgage execute an assignment to XXXX in XXXX, which they were not a member of and then wait until XXXX to record the document in the county records? The mortgage was not even placed into the XXXX system until XXXX/XXXX/XXXX and this was done by XXXX XXXX XXXX. XXXX has refused to provide me with an acceptable response in this matter and I find it odd that no one seems to be able to answer a simple question ... Who is the lender?
Product: Debt collection

To Whom It May Concern, I am writing to dispute the validity of a debt currently being reported by Midland Credit Management on my credit report. l am not liable for this debt with XXXX XXXX XXXX XXXX  XXXX XXXX. There is no contractual agreement between me and the collection agency, and I have not received any verification of the debt 's validity. 

On XX/XX/2023, I received a communication from Midland Credit Management Inc stating that I owe a debt in the amount of {$1300.00}. However, I have not entered into any contractual agreement with Midland Credit Management, nor have I received any communication from them regarding the alleged debt before that date or the original contract as requested. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to receive validation of the debt upon my request. I kindly request that you thoroughly investigate this matter and require Midland Credit Management to provide the following information : 1. Documentation of Original Agreement : I request the collection agency to provide a copy of the original contract or agreement, demonstrating that I am legally obligated to pay the alleged debt. 

2. Documentation of Contract/Agreement with Midland Credit Management that I owe the collection Agency this debt. I did not sign any paperwork or contract with Midland Credit Management Inc. 



As of now, I have not been presented with any evidence validating the legitimacy of the debt. Therefore, I urge the CFPB to thoroughly investigate this matter and ensure that Midland Credit Management is in compliance with all applicable laws and regulations. 

I request that any negative reporting of this debt be suspended on my credit report until the investigation is complete, as the accuracy of this information is disputed. 

Please acknowledge receipt of this dispute letter and inform me of the progress of the investigation. I expect your timely response within 15 days from the receipt of this letter, as stipulated by the FDCPA. 

Thank you for your prompt attention to this matter. I trust that the CFPB will diligently address this dispute and ensure that my consumer rights are protected.
Product: Credit reporting or other personal consumer reports

sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX XXXX XXXX XXXX to seek their assistance in resolving this issue. 

Please find below my reasons for dispute : XXXX and the following inquirires as well XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX : {$220.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$570.00} XXXX  XXXX Balance Owed : {$2500.00} XXXX  XXXX Balance Owed : {$2600.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$1800.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1400.00} XXXX XXXX Balance Owed : {$87.00} XXXX XXXX XXXX XXXX Balance Owed : {$700.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of specific accounts and inquiries from my credit report. As a victim of a data breach, I am exercising my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have this compromised information removed from my credit file to prevent further misuse. 
The following account should be blocked and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XXXX Balance : {$1500.00} Additionally, I request the following inquiries be blocked and removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

There was a XXXX form files that you have not addressed. Attached below Also Under the XXXX XXXX of 1999 nonpublic information such as late payments or charge off shouldn't be disclosed to any non affiliated third party such as credit reporting agency without my lawful consent 15 u.s.c 6802. And you have reported such information which means fraud has been taken place Instructions for Borrower ( the company ) Certain lenders who acquire an interest in property that was security for a loan or who have reason to know that such property has been abandoned must provide you with this statement. You may have reportable income or loss because of such acquisition or abandonment. Gain or loss from an acquisition is generally measured by the difference between your adjusted basis in the property and the amount of your debt canceled in exchange for the property, or, if greater, the sale proceeds. If you abandoned the property, you may have income from the discharge of indebtedness in the amount of the unpaid balance of your canceled debt. The tax consequences of abandoning property depend on whether or not you were personally liable for the debt. Losses on acquisitions or abandonments of property held for personal use are not deductible. See Pub. 4681 for information about your tax consequences. Property means any real property ( such as a personal residence ) ; any intangible property ; and tangible personal property that is held for investment or used in a trade or business. If you borrowed money on this property with someone else, each of you should receive this statement. Borrower 's identification number. For your protection, this form may show only the last four digits of your social security number ( SSN ), individual taxpayer identification number ( ITIN ), adoption taxpayer identification number ( ATIN ), or employer identification number ( EIN ). However, the issuer has reported your complete identification number to the IRS. Account number. May show an account or other unique number the lender assigned to distinguish your account.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Wakefield & Associates XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Sir/Madam, I am writing to dispute any and all debts that you claim I owe to your agency. I am formally requesting that you provide validation of the debt in question, as well as the purchase agreement between your agency and the original creditor. 

Furthermore, I am revoking all rights for you to communicate with me via email, text, or phone calls. Please respect my request and refrain from contacting me through these means. 

Additionally, I am requesting that you furnish proof of being licensed and bonded to operate as a collection agency. It is important for me to verify your legitimacy before proceeding with any further communication. 

I would like to bring to your attention that you have failed to provide validation information as required under 12 CFR 1006.34 ( b ) ( 5 ), yet you have placed a collection on my consumer report. This is a violation of consumer laws and I demand that you rectify this immediately.

Furthermore, I have not been given the opportunity to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ) ( D ), which is another violation of my consumer rights. Your agency 's use of false misleading, misrepresentation, and deceptive means is unacceptable and must cease.

It is important to note that you have no authority to furnish any account to consumer reporting agencies without providing the necessary disclosures as required by law. This is a clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ).

I expect prompt action on your part to address these issues and provide the requested information. Failure to do so will result in further legal action to protect my consumer rights. 

Sincerely, XXXX XXXX