23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have already filed a complaint with CFPB and have not received any results regarding experian. There is an account on my report that experian refuses to delete although the company is in violation of the FCRA. Experian is the only agency that continues to report this bogus debt while XXXX and XXXX deleted it from my profile. The complaint is against experian but the creditor is XXXX XXXX XXXX  XXXX. The amount of the debt they are attempting to collect is {$9200.00}. This debt is wrong and It is affecting my buying power for a new home. Experian will not allow me to dispute the debt again.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX . 
XXXX NC, XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the fair credit reporting act XXXX  account XXXX, has violated my rights 15 U.S.C 1681 section 602A, states I have right to privacy.

15 U.S.C repor1681 section 604A section2 : It also states a consumer reporting agency can not furnish an account without without my written instructions.
Product: Credit reporting 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
Product: Mortgage

Specialized loan servicing, LLC forwarded correspondence XX/XX/XXXX indicating that they were in perpetual denial of title 12 section 226.23 ( H ) of the consumer right of rescission at foreclosure. SLS own words read " Please note that any claim under TILA is a legal argument. This is not the proper forum to respond to legal arguments. Nevertheless, SLS states that any argument for recission is without merit. SLS follows all state and federal laws in the servicing of the above referenced account ''.

SLS even spelled the word rescission incorrectly showing their incompetency in serious matters. These arguments have gone clear up to the supreme court, contrary to SLS beliefs and statements regarding TILA merits and the final decision was for the consumers in upholding our right of rescission. This decision, XXXX v. XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ), will make it easier for residential borrowers to pursue rescission claims.
Product: Money transfer, virtual currency, or money service

Nationwide TITLE CLEARING stated as XXXX XXXX XXXX XXXX # XXXX XXXX CALIFORNIA XXXX ON CITY OF XXXX  XXXX VA DEEDS OFFICE DEPUTY XXXX. DOCUMENT STATES AS FOLLOWS AND IS ATTACHED AS TIF FILE.. 
PREPARED A TRUST AND A PRIVATE CLIENT XXXX  ACCOUNT in my name XXXX XXXX XXXX XXXX XXXX XXXX  XXXX VA XXXX XXXX STATED AND RECORDED AND ENTERRD ON XX/XX/XXXX BY CITY OF XXXX XXXX CALIFORNIA COURT AS..DOCUMENT # XXXX or XXXX as per attached XXXX file sent to me by deputy XXXX XXXX deputy clerk of the city of XXXX  XXXX va attached to ..GPIN # XXXX as recorded on document ON XX/XX/XXXX IN MY NAME XXXX XXXX TRUSTEES XXXX XXXX XXXX XXXX XXXX FOR XXXX XXXX XXXX NOTARIZED BY XXXX XXXX XXXX of XXXX California Entered XX/XX/XXXX Thru a private XXXX  client SERVICES account at XXXX private client services   bank ( I NEED THIS ACCOUNT NUMBER IMMEDIATELY ) XXXX XXXX XXXX XXXX XXXX california SIGNED BY THE VICE PRESIDENT WEALTH MANAGEMENT CLIENTS ... XXXX XXXX 
Loan # XXXX as stated on document recorded as DOCUMENT # XXXX or XXXX PREPARER by XXXX  XXXX  AT NATIONWIDE TITLE Clearing XXXX ISSUED FROM MY SOLELY owned property XXXX XXXX XXXX XXXX  XXXX va XXXX ATTACHED IS MY DEED OF XX/XX/XXXX ME AS Single individual us citizen of the USA IN MY NAME XXXX XXXX. 
THIS OFFICIALLY RECORDED AND ENTERED IN BOTH CITIES OF XXXX   XXXX VA COURT AND XXXX XXXX  CA. DOCUMENT is recorded at the city of XXXX XXXX va Deputy XXXX XXXX I am requesting all authorized documents and all linked ACCOUNTS and ALL XXXX PRIVATE CLIENT SERVICES HELD IN MY NAMES SINCE XXXX AND ALL wealth management accounts and services and insurance policies and all beneficiaries and payouts and images of front and back of all checks that were used during this prepared document by nationwide title clearing ... ON ALL THE XXXX PRIVATE CLIENT SERVICES BANK XXXX XXXX XXXX XXXX California ACCOUNTS during this transactions XX/XX/XXXX for fraud review and to recover my identity and recover my life savings stocks and other funds solely owned by me of way over a million dollars.PKYS INTEREST NOW.. I want to see who represented themselves as me XXXX XXXX XXXX XXXX XXXX AKA XXXX XXXX and the monies transferred in and out of these accounts I reserve all my legal rights in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$130.00} ; XXXX  XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent this company correspondence several times via certified mail stating that I did not owe this debt and to cease and desist all communication and collection activities. They illegally reported to the XXXX credit bureaus and I have disputed with them and they have failed to comply as well. Not only did they ignore my demands, but they also continued to send collection letters from different agencies, XXXX XXXX XXXX, and XXXX XXXX XXXX claiming to represent XXXX in the matter. They have and continue to violate many of my rights under the FDCPA. I have also filed a complaint with the NY Attorney General.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXXan, and I am sending this request myself to address the inaccuracies on my Credit Reports.

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
2. On XX/XX/2020, SANTANDER CONSUMER USA add a hard inquiry on my credit report per XXXX. 
3. On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX.
Product: Mortgage

I have tried to work with the CFPB for more than 3 years now with no results. However I have not given up. For more than 10 years I tried to get Bank of America to refinance or do a loan modification on my home. Their loan counselors at Bank of America have lied for more than 10 years and I have sent the information to the CFPB at the XXXX, IA XXXX address form more than a year proving that they Bank of America has lied to me constantly. You can also see much of my correspondence with the CFPB if you look at XXXX # : XXXX XXXX. I submitted proof that BofA was committing crimes with their practices. They would assign a counselor to work with me for three to four months and when the counselor was to make a decision they would send me a letter or notice from another person in another city or state and say that I am to work with this new counselor. BofA would then have me start the entire process again and they did this by assigning me more than XXXX different counselors before they could give me an answer. Each time they assigned me a new person to work with they would start the entire process over and over again asking for exactly the same information that I had already provided more than 6 different times. I did finally speak to one semi honest person that was assigned to me and she informed me that Bank of America would not give me a loan modification because I was current with my payments and I had to make up for all of the dead beats who either walked away from their mortgages or they were behind in their payments. I provided all of these facts to you office without any results what so ever. Since the CFPB has abandoned me BofA has increased my monthly payments twice and now they have just increased it again. I am a XXXX veteran with an Honorable Discharge on a fixed income and you think that I could get some government agency to help me fight these lying crooks at BofA however it seems to me that there is no such agency. How can a financial institution deny someone with good credit the ability to refinance or get a loan modification on their home for 10+ years and the homeowner can get no help from any government agency? If you look at complaints against BofA there are thousands just like mine that are present. This is not an exception this is the norm for BofA. I have letters from individuals saying they are responding on behalf of the President of BofA and they give me the same old XXXX over and over again. The reason why I looked into a loan modification is because the first person I spoke to at BofA told me to look into a loan modification because of the housing crash. All of this information has been filed with the CFPB and they have done nothing that I can see to help. More than likely the CFPA will send this information to BofA and their personnel will start their lies all over again however I have submitted proof of their un American lies to the CFPB.
Product: Debt collection

On XX/XX/2021 Jefferson capital systems emailed my father my entire debt account information. He is not the account holder nor has his information been provided to them. They found his email and emailed him.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX  XXXX Account number XXXX XXXX and XXXX XXXX XXXX XXXX Account number XXXX XXXXXXXX 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 also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

I purchased a dress from Ashro in XX/XX/2022. The Item was not as described, the color was not as described, the sizing was off, the material didnt match the picture. I returned the item. Ashro took the return, and turned around and charged me for the shipping. This company sent me merchandise that was not as advertised. Now they have put this charge as a negative on my credit. I want this removed from my credit due to product not being as pictured or described.
Product: Credit reporting or other personal consumer reports

XXXX XXXX on numerous occasions submitted updates to my credit report on date XXXX XXXX report # XXXX XXXX XXXX report # XXXX and on XXXX XXXX report # XXXX after an dispute has been filed for incorrect Information on credit report.Under 15 u.s.c 1681 B of the Fair Credit Reporting Act this is for Permissible Purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian will not remove a closed account. I recieved a 1099-C in tax year 2019 for XXXX from XXXX XXXX XXXX for a repossessed vehicle. This amount was reported on my 2019 tax return. Uploaded 1099 C to XXXX XXXX, they removed creditor from my credit report but XXXX and Experian won't remove.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 
In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You
are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly.

They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
Please DELETE the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX account on my file ( XXXX ). I attempted to pay this debt and XXXX refused the money saying they are no longer collecting this debt. I have attached a letter to that effect. It is a violation of federal law to leave a collection balance on my file that I am unable to cure.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( XXXX ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within XXXX business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


XXXX Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA XXXX XXXX ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating XXXX XXXX. XXXX ( XXXX ) ( A ) ( B ) ( i ) ( XXXX ). They must be deleted from my report.
Product: Debt collection

Ability Recovery Services I have never done business with advising I owe {$5600.00}. I have been a victim of identity fraud for many years. I reached out to for them to provide information and the credit bureau have and nothing was ever sent.
Product: Checking or savings account

On XX/XX/2019 my Social Security XXXX check was deposited into my PNC checking account. By XXXX there was only {$1.00} in my account so I called PNC customer service any they explained that XXXX XXXX out of Louisiana had withdrew {$850.00}, from my account. 

I ask customer service how and why and with a few more questions from customer service it was soon realized that I had been part of a scam with someone claiming to be XXXX XXXX XXXX. 

I was applying for a loan with XXXX  XXXX XXXX or should I say people I thought were Cash Net XXXX. 

Customer Service put a hold on my account and on my debit card and advised me to get to the bank ASAP to close the account and the debit card. 

I was at PNC Bank, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX IN XXXX, XXXX, within 2 hours. I met with XXXX, who closed my account and opened a new account, cancled my debit card and issued me a new debit card. Ordered new checks, and filed a report. I explained I would be filing a police report and would return with that report when it was ready. On Tuesday, XX/XX/2019 I returned to PNC bank with the police report and turned it into XXXX assuming she would file it. 

On Tuesday, XX/XX/2019 I contacted PNC Bank and spook with XXXX XXXX questioning as to why my checks had not arrived and what was the statis of my complaint. According to XXXX there was no follow through on XXXX 's part, no checks were ordered, no complaint was filed, no one had any idea what had happened to my police report. Again I returned to PNC Bank and re reordered my checks and finally filed a report with XXXX. XXXX saw no need to have a Police Report, I brought a police report by on Wednesday evening anyway. 

By XX/XX/2019 PNC Bank had resolved that I am not intited to any type of refund. I am disputing this. I have never had any contact with XXXX XXXX. The check is a fraud because it is not my signature and looks nothing like my signature. I never saw this check until XXXX showed it to me as part of the investigation into the scam/fraud case. 

XX/XX/2019 started like any other day with my Social Security check being deposited, it is the money I have to live on all month long and by XXXX that money was gone. It was gone because XXXX XXXX of Louisiana, a company I had never done business with had decided to electronically take it from my bank account. Please help me restore that money to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

GOOD AFTERNOON ; I was looking through my report and noticed a negative account from a vehicle that was returned to the dealership continues to report incomplete, unverifiable in my credit report. I had the opportunity to talk to several lawmakers and friends that's more versatile on this subject and learned some basic laws in regard to voluntary or involuntary repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. Also that an original creditor was required to send me specific paperwork within a certain period of time regarding where it was sold and the balance on the account. I didnt receive this paperwork and you need to remove this account immediately.
Product: Checking or savings account

I signed up for the checking account through NYCB ( known as flagstart ) 3 to 5 months ago. They had a XXXX XXXX  bonus & i was told i was not qualified when i contacted them. I went through their link that the banking bonus was offered on. I held the amount disclosed in the agreement for 3 months & still i have not received the bonus.
Product: Credit card or prepaid card

Bank of America is transferring calls to a Claims Department that doesn't answer the phone or says it is closed during their open hours, preventing me from addressing an ongoing credit card dispute. This morning I have been transferred by a live agent and also by their menu options to only be left on hold for over 30 mins and then disconnected or not connected at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

The named company has violated my rights by improperly furnishing collection without my written consent. The law states that I have the right to privacy and no credit or collections company can not my personal information without my written consent, this account MUST BE REMOVED IMMEDIATELY. this account was also FRAUDULANTLY OPENED AND WAS PREVIOUSLY REMOVED, IT CAN NOT BE RELISTED AND I DIDNT APPROVE OF THIS. 

XXXX # XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Letter submitted to XXXX XXXX XXXX Experian in XX/XX/year>. Again thru their portals. Each bureau is reporting charge offs, past dues & balances owed on discharged accounts. Nor do they have comments and remarks in comment section " dischaged ''. These errors are keeping me from getting a fresh start and being denied credit. It's against bankruptcy laws.
Product: Student loan

My son took out a Sallie Mae student loan. He listed me as the " closest relative ''. Apparently he is behind on the payment - he says he has talked to them, I do n't know if it 's true but I am not responsible for his debt and do not want to receive calls regarding his debt. They continually call me almost every day, even though I am not a co-signer and have asked no less than 15 times not to be called anymore. XXXX ID # XXXX at XXXX ext XXXX has called me 3 times in the last week alone, despite being told every time not to call me any more. What can be done about this?
Product: Credit reporting or other personal consumer reports

After reviewing my credit reports I noticed that your company are alleging that the following accounts ; XXXX, XXXX, XXXX are accurate without furnishing any proof of verification of this debt or that your company followed all laws and regulations to report therefore your company must remove all negative and adverse remarks. These companies are reporting a certificate of indebtness which the IRS considers income and income can not be on a consumer report. Additionally, as your company know it is against the law to report any information not proven accurate, I demand that you provide me with concrete evidence of my obligation to said account. Please be aware all negative remarks found on my credit report is a violation of the FCRA and FDCPA when your company can not furnish the validity of the remark. I am not in dispute of the ownership of the accounts ; XXXX, XXXX, XXXX but if your company are unable to provide the full reports of how you validated, verified, and how your company in compliance then you must remove the accounts ; XXXX, XXXX, XXXX from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Experian are incorrectly reporting the account listed as XXXX Account XXXX XXXX incorrectly reports a charge off/ collection which this can not be tried since credit card issuers are insured and do actually incur any loss because of the FDIC. The consumer agencies are responsible for making the report match across the board. What evidence does XXXX and Experian have that XXXX doesnt.