23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Thank you for providing a copy of the NOTE. This copy is surely diffrenet from previous versions that I have ever received On the last page it has a blank endorsement from countrywide official. Unfortunately this is a rubber-stamped signatures of XXXX XXXX XXXX which were surrogate signed onto UNDATED endorsements, meaning signed outside the presence and control of the authorized signor XXXX XXXX XXXX XXXXXXXX XXXX 

I am uploading a case against defendants XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX. and XXXX XXXX XXXX. ( Collectively referred to herein as the dkDefendants '' ) for their violations of the False Claims Act ( : kFCA '' ), 31 U.S.C. jj 3729 - 3733. this case was settled in favor of plaintiff as serious charges named STAMPS and wrong doings were accepted by defendents. The foreclosure case against plaintiff was brought by XXXX but XXXX accepted the flase claims of " robosigning '' of endorsing promiossory notes by XXXX XXXX XXXX. surrogates. Such is happening on my NOTE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've had issues with identity theft. I had noticed inquiries on my credit report that I did not authorize. I contacted Equifax, informed them of the unauthorized inquiries, and asked them to be removed, but it appears they are still on my credit report. The following inquiries were unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am disputing the presence of fraudulent accounts on my credit report. These accounts were opened without my knowledge or consent, indicating identity theft. I have reported the issue to the respective banks and filed a report with the FTC. 
Please remove the following fraudulent accounts from my credit report : XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

On XX/XX/2017, I did my banking at the XXXX Huntington Bank of the University of XXXX, at XXXX, my transaction was exactly at XXXX, it consisted of me giving out my name, address, city, state and ID number from one of my debit cards. At XXXX, another debit card of my from a different banking institution was closed out. The bank employees females were XXXX and XXXX. I found out later in the evening from my other banking institution that someone from a bank called and had my account closed. Since XXXX has been working at Huntington Bank she has harassed me and a month ago I had to report her. I know she had something to do with my account being closing she also on several occasions would ask if wanted to deposit my money into my debit account so that she would have access to it. Both of these employees have committed fraud, violated confidentiality laws and violated my FERPA as that this involved my school account at the University of XXXX Huntington Bank in XXXX, both of these employees have been watching me and my accounts for several months. They also did an unauthorized credit check to find out what accounts I had in my name.
Product: Checking or savings account

Hi, On XX/XX/XXXX at XXXX XXXX XXXX I tried to open a discover bank application online and was prompted to call XXXX to " Let 's finish together ''. 
I was on the phone with XXXX in Utah for 55 minutes. He said that I had an outdated bank profile from XXXX for Discover Bank and he had to correct all of the information in it. 
I submitted 3 applications online for a discover bank account and none of them were accepted. The latest application # is XXXX. 
Eventually, he transferred me to XXXX who was very rude and dismissive. I would like for XXXX to review my call with her. She told me that she could not accept the verification code from me that she sent and dismissed me to get my application notarized. When I insisted on using a second phone number she agreed. She should have offered me that option before trying to dismiss me. 
She continued to be rude, inept, and condescending throughout the call and I had to request her supervisor XXXX. XXXX promised to forward my complaint and have someone call me today. No one called. I don't know if XXXX refused to assist me because of my ethnic accent or if that is just how she treats customers, but this is unacceptable. 
I have been unable to open a bank account with your company because of this and she wasted a lot of my time. The call time was 1.5 hours when it ended. 
I want to make a formal complaint and I still need help with setting up a bank account. 


Thank you
Product: Checking or savings account

1. on XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> {$1000.00} each was fraudulently withdrawn from ATMS in New Jersey from my checking account using a digital version of my wife 's debit card ( last 4 digits XXXX ) ( total withdrawn {$4000.00} ) 2. on XX/XX/year> a fraudulent purchase was made from XXXX XXXX XXXX XXXX NJ of {$250.00} using the same digital card, last 4 digits XXXX We subsequently cancelled that debit card and got my wife a new one 3. on XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year> {$1000.00} each was fraudulently withdrawn from ATMS in New Jersey from my checking account using a digital version of my wife 's new debit card ( last 4 digits XXXX ) ( total stolen {$4000.00} ). 
On XXXX XXXX I submitted a complaint about the fact that Wells Fargo had not responded to a request to reimburse us for the fraudulent use of card ending with XXXX. I did not report the fraudulent ATM withdrawals of XXXX at that time because they were still 'under investigation '. Subsequently, Wells Fargo reimbursed us for fraudulent activity # 2 and # 3 but not # 1. I contacted them again and they refused to either reimburse us for # 1 or to explain why they were not doing so.
Product: Credit reporting or other personal consumer reports

Account In Dispute : XXXX XXXX XXXX Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Equifax, block information appearing on my consumer report that is result of identity theft and fraud within 4 business days of you receiving this complaint. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Notice to Cease & Desist To Whom It May Concern : Pursuant to the Federal Fair Debt Collection Practices Act ( 15 USC 1692c ), you are hereby notified to immediately cease communications concerning the collection of the debt associated with the above-referenced account. This notice shall include, but is not limited to written correspondence, digital, and telephonic communication. 

In the event that you fail to honor my request, please be advised that a written log of all contacts made by your company will be recorded. Furthermore, failure to honor this request could subject your company to liability under Federal law. 

If you or any other agent of your company attempts to contact me regarding this debt, a formal complaint will be filed with the XXXX  State Attorney Generals Office and the Federal Trade Commission. 

Thank you for your attention regarding this matter. 

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

I started the process of wanting to buy a home, I noticed that one of the company 's I requested to validated the debt was back on XX/XX/XXXX and I never got any validation for it. I disputed it I believe in XX/XX/XXXX with XXXX, and when I looked at my report to see what was there, and there were notes from Kansas Counselors, the amount is {$270.00} ; that stated " Dispute resolved consumer disagrees ''. So I called XXXX to see what I can do, I had already challenged it by uploading my proof of the letter tht I sent to them had not been validated. I spoke with a guy named XXXX at XXXX on XX/XX/XXXX and he told me that and I quote, " companies don't have to provide XXXX proof that a debt belongs to a consumer, we just take their word for it and apply it to your credit report ''. So I said, " you mean to tell me that anybody can say I owe anything and have it slapped on my XXXX credit report? '' He just sat there in silence and said nothing. I asked him, " how would he fill if someone just slapped anything on your credit and you were told that the company did not have to provide proof of it? '' Once again he silent and said nothing. This can not be ok for us people. That XXXX does not require any validation and just lets companies place on anything on your report. The company never responded to my letter that I sent back in XX/XX/XXXX either. People credits are being hurt by this and it is not right.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXXXX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Failure to Conduct a Proper Reinvestigation in Violation of 15 U.S.C. 1681i ( a ) To Whom It May Concern, This is my second formal request regarding the inaccurate information appearing on my credit report. Despite my previous dispute, Equifax has failed to conduct a reasonable reinvestigation as required under 15 U.S.C. 1681i ( a ). The CFPBs recent enforcement action against Equifax highlights the companys ongoing disregard for consumer rights and legal obligations.

The following accounts remain inaccurate and unverifiable : [ List disputed accounts with specific errors ] XXXXXXXX XXXX XXXX XXXX Account ( # XXXX ) showing a balance due {$1400.00} & past due {$6100.00}, account charged off/ written off from repossession. Please Delete. 
XXXX XXXX XXXX XXXX Account ( # XXXX ) showing a balance due {$440.00}, account charged off/written off. Please Delete XXXX XXXX XXXX XXXX Account ( # XXXX ) showing a balance due {$36000.00} with charge of {$35000.00}, account should be {$0.00} and deleted. Charged off/Written off. 
XXXX XXXX XXXX- Account ( # XXXX ) showing a balance of {$11000.00} and Charge of {$16000.00}, account shoucd be {$0.00} and deleted. Charged off/ Written off Per 15 U.S.C. 1681i ( a ) ( 1 ), Equifax is legally required to conduct a thorough reinvestigation and provide me with the sources of information used to verify the disputed accounts. Additionally, per 15 U.S.C. 1681i ( a ) ( 6 ), I demand a detailed explanation of your findings and supporting documentation proving the accuracy of the reported information.

Failure to comply will result in my immediate escalation of this matter to the CFPB, the Federal Trade Commission ( FTC ), and my states Attorney General. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Report Act XXXX XXXX ; Account Resolutions ; XXXXXXXX XXXX XXXX ; US Dept of EducationXXXX has violated my rights Please remove ALL inquiries XXXX XXXXXXXX, XXXX ; XXXX XXXX  ; XXXX. 15 U.S.C 1681 Section 602A states I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instruction. I should have ONE name, ONE date of birth, and ONE address
Product: Debt collection

I called the company and the bureau to let them know this information was inaccurate and based on the FCRA 611 they did not follow the correct laws nor provide proof of verification with a wet signature. I am not liable for this credit collection serv account with the balance of XXXX, I was not provided with the original contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account : XXXX XXXX XXXX No. 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 or other personal consumer reports

I am formally disputing the following late payment entries on my credit report : XXXX - XXXX - {$590.00} XXXX XXXX XXXX - {$0.00} These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Enhanced Recovery is reporting an erroneous debt on my credit file. I recently checked my credit and noticed this debt reporting on it. I was very confused as it said they were trying to collect for XXXX XXXX. I have never had an account with XXXX XXXX XXXX or XXXX XXXX so I'm not sure why they are reporting on my credit. I never received any notices, calls, or notifications about this debt and that violates my 30 day right to dispute. Had I received proper notice they would have known that this account is not mine and it must be removed. I suggest they find who this belongs to.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Capital one Case no : XXXX Date XX/XX/year> Capital one list us as a primary on this account. 
We are associate, they are reporting to credit bureau which brings My score really low.
Product: Vehicle loan or lease

I sent in my Right to Recission letter and I hand delivered it to them and everything they never got back with me Because they signed me up for a vehicle that was XXXX but all together the car came up to XXXX with payments of XXXX per month
Product: Student loan

I have been trying to consolidate multiple of my student loans into XXXX loan. All were accepted aside from ACS Education Services. I was told that the release of the loan was not accepted due to the fact that ACS was " reviewing '' my loan for the most updated information and fees applied. I was also told that the loan would be released once the " process '' was completed - this was XXXX 2016. Months later, I submitted a XXXX request to push things forward. I am being told that things are on hold yet again for the same reasons - XXXX 2016. My request to speak with a manager was denied and I have no other way or options of pushing things forward before the deadline to add loans.
Product: Student loan

I was a student of XXXX college in XX/XX/XXXX-XX/XX/XXXX and I was told that I had to take out a private loan to pay a part of my educate expenses and as told to use Genesis I had been making payments Genesis then I was told that my loans balance was switched to another company. Can I still get a credit from XXXX or the new company XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am looking for a mortgage. I limited all of my mortgage applications to within 3 days of each other. However TransUnion treated each one like a new inquiry and my score dropped 35 points in a week. No activity on my credit other than the inquiries.
Product: Vehicle loan or lease

American Credit Acceptance : Failed to process payments and then charged interest on the principal. 
Charges processing fees for payments that were not disclosed at the onset of loan. 
Calls 4-5 days regarding payments while failing to address previous noted issues. 
Lost checks, and does not provide statements. 

At this point the company has " lost '' {$5200.00} in funds that were sent to them and has not reconciled any of these issues. 

Continues to call and has not addressed any charges or fees. 

This Loan was through XXXX which also failed to disclose the company 's practices.
Product: Student loan

I contacted Navient by with my attorney on XX/XX/XXXX. At that time, we were told that Navient would send me a XXXX form to film out. Almost a month later, I still had not received any form from them, so I called again on XX/XX/XXXX and requested that a XXXX form be both mailed and emailed to me. To date, I have still not received any XXXX form from Navient. I expect to be given an extension on my forbearance at no expense to me until they get me the XXXX forms.
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and XXXX am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Product: Checking or savings account

I have PNC Virtual Wallet account that include Three account together ( 1 ) Spending, ( 2 ) Reserve, ( 3 ) Growth whenever balance low on SPENDING account they withdraw from RESERVE first then GROWTH, On XX/XX/2018 XXXX XXXX I recieved text message says " On XX/XX/18, PNC transferred {$3.00} from your overdraft protecting account ending in XXXX to your checking account ending in XXXX. '' " On XX/XX/18 PNC transferred {$0.00} from your overdraft protecting account ending in XXXX to your checking account ending in XXXX. '' After i read this message I checked my account on my mobile and that time in SPENDING ( CHECKING ) Balance $ XXXX and RESERVE ( OVERDRAFT PROTECTION A/C ) Balance was {$190.00}. I immediate run to PNC ATM and Deposit CASH {$100.00} around XXXX XXXX  and it should cover my -XXXX-XXXX= $ -XXXX  and rest should cover from my RESERVE ( Balance {$190.00} ) at around XXXX XXXX  I checked balance again and that time PNC bank under " Temporarily Unavailable '' and today XXXX XXXX 'On XX/XX/18, your PNC checking account ending in XXXX was overdrawn. I was acted realtime and made CASH Deposit to ATM that cover my negative $ XXXX at around XXXX XXXX. so I actively acted immediately for my checking account balance bring positive balance. I made More deposit on XX/XX/18 around XXXX XXXX and all my account are positive.
Product: Credit reporting or other personal consumer reports

I am demanding these accounts be blocked and removed immediately because lt is the result of identity theft. Please block this information from my credit report, pursuant to section 6058 of the Fair Credit Reporting Act, 15 U.S. Code 1681i ( a ), 15 U.S. Code 1681i ( a ) 6 ( b ), and 15 U.S. Code 1681i ( a ) ( 5 ) ( b ). 
I repeat I am a victim of identity theft and I will like to take actions against the perpetrators that's fraudulently using my identification. Accounts are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$19000.00}, {$12000.00}, {$14000.00}, {$1800.00}, {$2000.00}, {$28000.00}, {$11000.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

3. XXXX XXXX XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 

6. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$28000.00} -This is not my account. 


-- AUTO ACCOUNTS 7. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

9. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- REAL ESTATE LOAN 10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.