23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Questions to the pretender lenders, their agents, co parties principle ( s ) that have never been answered : 1. Under what authority these strangers to me and to the alleged financial transaction that never took place filed for a notice of default when there is no loan to me, see attached declaration of custodian of records at XXXX XXXX XXXX XXXX XXXX that there was no loan transaction in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and in XX/XX/XXXX from any of the parties who have falsified papers to make a fraudulent claim to my private property? 2. Under what authority these strangers to me and to the alleged financial transaction that never took place have been attempting to extort monies and property from me when i : have my non judicial judgment at TILA 1635 et. seq. indorsed by enacted federal and state law and by all three branches of the government, to wit : the president, the congress and the SCOTUS unanimous decision in XXXX v. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( 8th Cir. XXXX ), cert. granted, XXXX XXXX XXXX ( U.S. XX/XX/XXXX ) ( Docket No. XXXX, SCOTUS Unanimous decision XX/XX/XXXX, Author : XXXX XXXX ), at 12 CFR 226.15 ( d ), ( 1 ), ( 2 )  and ( 3 ), Reg. Z by Federal Reserve. 3. How did these entities that claim [ falsely ] that the alleged non existing loan is in default, obtained the right to collect on a non existing debt, and when there is no default and all payments on a non existing alleged loan has been received? [ see declaration of ex police officer and currently private investigator that XXXX XXXX XXXX, XXXX surrendered to California secretary of state in XX/XX/XXXX, therefore it did not exist to give me a loan in XX/XX/XXXX and did not give me a loan in XX/XX/XXXX. 4. what evidence do these people have who are making a grand theft of my home that A ) there was a loan made to me from any of the pretender lenders ( when there was none, see attachment ), B ) that there is a default ( when there is none, see attached that all payments on a non existing loan has been received on continuous basis ) ; and C ) how did these entities obtain the right to foreclose on my sovereign property, where are the unaltered original note? the chain of assignments? proof of payment such as Check XXXX, ACH confirmation or cancelled check? when there is none, see declaration of custodian of records at XXXX XXXX XXXX XXXX XXXX. 5. Under what authority the pretender lenders are trying to foreclose on my property when the non existing alleged loan has been liquidated on XX/XX/XXXX to unknown parties? see attached obtained from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my personal identification it states that I went by a former name. This is incorrect and I would like it removed because I never went by this name. My name is very common and I don't want to be confused with anyone else! I know this may seem frivolous to anyone else but with identity theft being so rampant these days, I would like that information taken off of my report as it is incorrect. I just don't want it to cause me any problems in the future, I have enough problems to deal with in the present! 
Thank you for your time and I truly hope that this is not considered a frivolous complaint! Even though it may not seem life-threatening or earth-shattering it does mean a lot to me to have the incorrect information removed. 
Respectfully yours
Product: Payday loan, title loan, or personal loan

the payment books ( 2 ) the payments was {$290.00}. I paid {$300.00}. every month the last page was blank that was # XXXX. went to insurance office for help finally walled the bank they said mail copy of payments the last payment was {$420.00} it looks like a ripoff to me. the bank state farm also gave me the third degree when I called never any problems with other banks
Product: Credit reporting or other personal consumer reports

Sent a letter detailing the disputes. The agency sent an email stating I didn't sent it.
Product: Debt collection

On XX/XX/2018, this company called my mother 's house after repeatedly calling her cell phone. The call is a robo message stating " several complaints '' have been filed against me and my " cooperation is required. '' The " complaints '' are apparently but a single debt alleged that I owe. The pluralization of this single incident is intentionally false. Further, the characterization of a debt collection as a complaint and my cooperation being required together would lead any reasonable person to think the caller has some official capacity, i.e., governmental authority. This robo message fails to identify the person or the name of the company that is calling. This same message has been left for many others according to a cursory web search. This call also comes from a spoofed Caller ID number identifying the caller as " XXXX XXXX XXXX XXXX. '' Upon selecting 1, the call is transferred to a woman who gave only the company name. She refused to identify herself, state the nature of the business in which the company is engaged, or the company 's address. I was told to " go to XXXX '' and " do my homework. '' This failure to identify is improper.

This company has never given me written notice about any alleged debt. I do not owe anyone a consumer debt for which payment are delinquent. I believe this company has violated many provisions of Federal law. Additionally, they are not registered to collect debts in my state as Florida requires.
Product: Debt collection

In XXXX / XXXX of XXXX, my identity was stolen and a bunch of credit cards were issued in my name by various lenders. I was out of the country when this probably happened and saw mails coming in from these lenders to pay the bills that weren't mine in XXXX. I reached out to the creditors, reported what had happened and asked them to close all accounts. 
Some of them were helpful enough to do that and informed me about the other steps I should take as a victim of identity fraud including XXXX XXXX, XXXX XXXX 
Capital One however, refused to close my account when I informed them about what had happened, and asked me to go to a branch and talk to someone without giving me any details around what department to go to, or providing someone specific that might be able to help me. I did not feel comfortable going into a branch in the middle of the pandemic and kept asking for help through their customer care services. My credit score kept plummeting and the credit line on the cards I owned decreased because of that. I was in a bad mental space and did not pursue legal action. I reached out to someone in XXXX and explained them my plight. They asked me to get in writing from Capital One that my account was created without my permission and only acknowledge the fraudulent activity for my credit score to be fixed. I reached out to them and again, without any support I was shunned down and told there was nothing they could do. 
Months later, in XXXX of XXXX - I received a letter from XXXX XXXX XXXX XXXX informing me that Capital One has placed my account with them for debt collection, and offered me to settle for almost half the amount that was originally owed ( {$200.00} for {$460.00} ). 
I am amazed at the insensitivity of Capital One as one of the biggest banks and also surprised at the callousness with which they handle severe crimes like Identity Theft and the lack of support provided to such victims. My credit score was in the mid 700s and since then, it has plummeted to early 600s and is causing me all sorts of problems. Please help me get my credit score where it was before this catastrophe started.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX breach has cause my experian and XXXX to be inaccurate information sent police report and idtheft gov trying to get my life back in order one day at a time spent countless hours working on my credit cra violation of inaccurate information on my credit report
Product: Money transfer, virtual currency, or money service

I sold Bitcoin to username ( XXXX ) on XXXX. The buyer then did a reversal of funds by claiming the payment was unauthorized. The transaction date was XX/XX/XXXX and I was notified of the reversal of funds on XX/XX/XXXX. The transaction amount was for {$7300.00} ... The transaction was through PayPal and I have been in constant contact with PayPal regarding the situation. PayPal has ruled in favor of the buyer because they say they don't cover digital transactions. I sold a product valued at {$7300.00} and received the money for this product. Now PayPal wants me to refund them the money for this product but I have no way to recover the product ( Bitcoin ) which I sold. I have screenshots of everything concerning the transaction including payment verification and my communication with both the buyer and XXXX. I'm a person with fine credit and am being victimized by this whole fiasco. I'll include everything I have showing my transaction. Thanks!
Product: Checking or savings account

XX/XX/XXXX, I deposited XXXX dollars cash into the ATM Machine at Citibank. The money did not register and they said they had 10 days to investigate. This is wrong that is my money and I think if this happens they are supposed to pay me back double the money for this aggravation. Seeing that it is XXXX time and this has thrown my life off balance something has to be done on this.
Product: Mortgage

On XX/XX/XXXX, I was transferred to Mr. Cooper from XXXX. On XX/XX/XXXX, XXXX transferred the remaining escrow balance in my account to Mr. Cooper in the amount of {$5000.00}. On that same day, the {$5000.00} is shown leaving my Mr. Cooper account then subsequently being reapplied to my account. On XX/XX/XXXX, the amount was again deducted, reapplied, and deducted once more. For two weeks, I let the account sit to see if the money would come back. I called and was told they would check on that for me and call me back. I received no callback. I called in again and was escalated and told the issue would be resolved. No resolution. I called a third time. A week after my third call, an amount totaling {$4700.00} was applied to my escrow, short {$260.00} of the total missing amount. I've since called a fourth time and been told the issue was still active with account services and to expect a response by Friday ( yesterday ).
Product: Credit reporting, credit repair services, or other personal consumer reports

As dated, XX/XX/2022, I, XXXX XXXX, Consumer, am aware of TransUnion LLC unlawful business practices act and deceptive business practices act.
Product: Debt collection

Prior attempts have made most recently On XX/XX/year>, I requested proof of the Debt by mail with a certified return receipt. My request to United Collection Bureau , Inc . was for proof of the debt, account statements, verification of Assignment, and a Detailed Breakdown of Charges and their License information. I have attached letter of request.
Product: Credit card

I have submitted multiple complaints to Macy 's regarding issues with my credit card, but unfortunately, I have not received any response. Communication with the company has been particularly challenging on these matters. On several occasions, I have noticed an inexplicable two-dollar charge on my account after paying off my card, and despite my efforts to get an explanation, Macy 's has not provided any. Furthermore, this situation has negatively affected my credit score for this and other reasons. When I try to communicate with them, they simply tell me that I must make the payment, showing no interest in listening to or addressing my concerns. Each time I call, the service I receive is unsatisfactory and it seems they do not take my concerns seriously, which is extremely frustrating. They just tell me that this call is to collect a payment. 

What an unpleasant company.
Product: Credit reporting or other personal consumer reports

XXXX XXXX : The content mentioned above has never been certified to conform to any reporting standards. The data provided has never been verified or complete, and it's also out of date. In order to comply with reporting obligations and consumer legislation, documentation confirming compliance is required. The information given so far is insufficient, and I demand that any wrong, incomplete, or unsupported material be deleted. 
Also, see the image above for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Ive highlighted and circled additional areas of concern. 
I was looking at Loan Type expressing XXXX We all know the importance of compliance with regulatory mandates for accurate credit reporting, but how did you prove it for this account? That's what I'm trying to find out here.I need some convincing documentation that can show me the process for ensuring 100 % accuracy and compliance with credit reporting guidelines and regulations. I want physical tangible proof! 
Lets examine Account Rating ( XXXX ) showing CollectionOrChargeOff Compliance with Metro 2 standards is paramount to ensure accurate data reporting. There can be NO deviation from these mandatorily required fields, or it would compromise the integrity of all reported information. When reviewing this account, apparent inaccuracies call into question the entire account! 
When I scrutinized Payment Status ( XXXX ) presenting CollectionOrChargeOff I noticed some issues! You know that I'm a hard-working individual, but there are some things on my how thoroughly you follow the standards set by Metro 2 . If I can't trust what's in my credit report, then there is no point to having one at all!. This account doesn't follow the required standards, and I challenge you to prove that everything is perfect in my report! 
When I scrutinized Dispute Status ( XXXX ) presenting XXXX I challenge the accuracy of this account on my credit report. You know that I am a hard-working individual, but there are some things on it which do not reflect what's true for me and this is why your company has received so many complaints from customers who had issues with their reports being accurate or complete enough as they claim to be able provide such services if needed! How can I trust what's in my credit report? credit report
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I submitted a dispute and requested a reinvestigation of " every piece of information '' listed on the accounts below. 

I spoke with an agent named XXXX from TransUnion on XXXX who stated that the information came back verified based on verification of the social and DOB, this is not the correct procedure to verify a debt according to FCRA which is a clear violation of my rights. Also my credit file is still showing inaccuracies ( File attached ) regarding addresses, phone numbers, and name variations which is a violation of my rights as TransUnion is obligated by FCRA to report accurate accounting. 

I am requesting that the accounts listed below are also verified by showing written proof that XXXX XXXX XXXX and XXXX XXXX XXXX XXXX are " in house '' collectors for the original creditors and a contract showing my " wet signature '' with XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I am also requesting the exact method and procedure used during the reinvestigation and the specific information obtained in the reinvestigation to include business names and addresses, person 's spoken to, furnisher 's of all information that influenced the decision not to delete the inaccurate information. 

15 USC 1681b iii a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Investigate definition ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
Product: Credit reporting or other personal consumer reports

I asked that this information be removed off my credit report immediately
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the XXXX XXXX XXXX is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : - [ List disputed accounts, including the account numbers, company name, and reason for dispute. ] As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate.

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : - [ List disputed inquiries, including company name and inquiry date. ] Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

There seems to be an error on my consumer report furnished by Synchrony bank/ Brandsmart XXXX On my consumer report, there is a late payment reported which is causing damages to me as a consumer and limiting my ability to extend credit. I allege that Synchrony Bank/ Brandsmart is willfully and knowingly furnishing inaccurate information and defaming my character as a form of extortion. According to 15 U.S. Code, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. According to 12 CFR Appendix B to Part 1022 I never received any of the model notices stating that any negative information would be furnished to my consumer report. Why is this inaccurate information being reported when I have never received notice of the information and Congress has stated there shouldn't be any late payments? Is synchrony bank attempting to cause some form of harassment to me and violate my right as a consumer purposely? I was never given a reasonable way to opt out or limit sharing of my credit worthiness according to their privacy policy. Payment defined under 15 U.S Code 78m Payment is defined as commercial development of oil, natural gas, or minerals therefore what form of payment has synchrony bank has been accepting from me for the past years if under United States Code it is defined as commercial development of oil, natural gas, or minerals? Is there a yield of the investment on the account that's due to me? Has the true nature and fitness of the agreement been provided to me? The inaccurate, false and fraudulent information being furnished on my person 's consumer reports needs to be corrected immediately as it is causing damage and defaming my character. I am demanding a response within an appropriate time of 5 business to answer each concern I have raised in this complaint or I allege that there is a due yield of investment that has been misapplied as a billing error and shall be returned back to me
Product: Vehicle loan or lease

Hello, I am reaching out in regards to a " negligent charge '' on my Toyota Financial Account. When I went in to lease a XXXX XXXX XXXX, they had me sign a legal document stating what my payments would be for the 3 year lease. I guess over the course of that time, they raised the tax amount by {$2.00} and did not inform either by email, phone or text of these changes. I was set up on auto pay for the whole duration of this increase, and they never even reached out to me. It was only after 12 months of negligent payments ( which my actual payments were always on time and NEVER late ) that I had an extra charge of ~ {$25.00} dollars and my score dropped by 100 points. Up until then, I was working on my credit score because of past financial issues. I have been paying on time for almost all my bills for about 3 years, so seeing my score drop once again due to XXXX dollars was quite the devastating blow for me. 
I tried to reach out the Toyota because this is directly their fault. They said they would be able to get it all cleared up for me since they realized it was, in fact, their fault. When I checked back with them, they deemed it a fair charge, even though it did not match the actual numbers given to me on a legal-binding contract. Now I am reaching out to you all, because I am honestly trying to buy a home. My credit score is so vital for that, and with my score dropping from XXXX to XXXX, I need to get this cleared up. 

Thank you so much for listening, I really hope we can get this figured out. As I said, I really am trying my hardest to have the best credit score possible. If you need any more information at all, please feel free to reach out to me whenever. 

Thank you again, XXXX
Product: Debt collection

I XXXX XXXX AND I HAVE BEEN COMPLAINNING ABOUT XXXX XXXX   BECAUSE ITS THE WRONG PRICE AND I NEED THEM TO REMOVE IMMEDIATELY AND THIS IS NOT THE RIGHT PRICE
Product: Credit card or prepaid card

Between XX/XX/XXXX and XX/XX/XXXX I purchased using my Bank of America Travel Rewards credit card tokens from a XXXX company XXXX XXXX. I was supposed to receive this token on XX/XX/2018. I first spoke with them on XX/XX/XXXX and read a white paper in which they described the entire project, timelines and payments ( dividends ) Three transactions were made to purchase what were supposed to be tokens ( similar to shares ). Ever since I bought the tokens comunication with the merchant was difficult and almost impossible. On XX/XX/2018 I filled the first dispute with Bank Of America explaining everything and giving them all the evidence that the company was ignoring my petitions and that I allready knew that the merchant was in some kind of legal trouble. 

XX/XX/2018 - {$2000.00} USD XX/XX/2018- {$3700.00} USD XX/XX/2018- {$5000.00} USD
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an authorized inquiries on my credit report XXXX - XX/XX/XXXX 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 XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX