23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have never had a business relationship with the creditor. Collector filed a law suit, for which I did not receive written notifications to appear in court to defend myself. The collector sent notifications to a previous address I no longer have access to and compromised my privacy. The collector obtained a court order to freeze my bank accounts by misrepresenting the facts. The lack of access to my bank accounts has created a hardship causing me to default on my daily commitments ; both personal and in my business due to lack of access to my bank accounts. This type of harrasment has created excessive stress and has disrupted my job, which is the only way I have to support my family.
Product: Mortgage

I have had a home mortgage with  Wells Fargo  for many years. I deiced to re finance my home with them. After I gave my appraisal money of almost {$700.00} to the people at the   XXXX   XXXX   XXXX   I never heard from them again. I called and called and nobody would return my phone calls. I finally went into the branch and demanded to talk the manger. After many more phone calls I found out they denied the loan due to a small problem that was fixed. However they did not contact me and tell my that my loan was denied for over   XXXX    days. Then they did not return my appraisal money. I had to make many more phone calls to get this done, and after that it took  XXXX  more days to get my money. Further more after I gave the   XXXX   XXXX   XXXX   all of my personal information I started getting many telemarketing call at my home, I NEVER got these before.I think that  Wells Fargo sold my personal information. DO NOT DO ANY BUSINE SS WITH  WE  LLS FARGO. I t hink there are being fraudulent with the public 's money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my consumer report on XX/XX/XXXX of 2022 and saw there were some inaccuracies on my XXXX report. I sent in letters to this reporting agency a few times, only to not get a response nor remedy, my most recent letter sent 30 days ago which is the cut-off date and time that they have to respond or fix the inaccurate report. 

As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. I did not authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given XXXX permission to furnish this information. This is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated. Promptly delete all inaccurate information as listed in this letter. 

You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with 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 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately.

Proof or evidence needs to be produced that supports your claim or shows that you were right in your decision to furnish this information, I am demanding the removal of the above-mentioned inaccuracies within 30 days of this letter. It is your duty to accurately report information and as of now, you are violating my rights as a consumer. I look forward to XXXX resolving this matter with this initial communication. Should you choose to be willful and neglectful as it pertains to my file I will file a dispute against you in small claims court seeking remedy for said violations.
Product: Credit reporting or other personal consumer reports

I have been disputing unlawful TEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

A fraud dept called me, stated someone is purchasing {$750.00} of liquor and other products from different stores! 
All 5 companies I then spoke with and stores! 
Each company stated ok! 
Each bank supposed to cancel all credit cards! 
Then send me new credit cards! 
Not one of the banks canceled or sent new cards! 
I have called XXXX, XXXX, Transunion and dispute all!!! 
Over and over with Police Reports to REMOVE ALL 5 ACCOUNTS FOR ERRORS AND INACCURACIES! 
PLEASE REMOVE ALL INACCURACIES!
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It XXXX Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

Recently, I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that credit bureaus will investigate this account for me to ensure accuracy. 
Here is the account I am asking you to verify as accurate : XXXX XXXX XXXXXXXX account number : XXXX
Product: Mortgage

My mortgage was recently transferred to Freedom Mortgage Company from XXXX, the PMI had been removed last year when my loan dropped below the 78 percent mark. Freedom Mortgage added the PMI back to my loan even through it was at the 75 percent loan to value ratio and refuses to return the money that they erroneously charged me for the past three months. This should not have happened since PMI automatically cancels at 78 percent under the Homeowner 's Protection Act of 1998. I have contacted them multiple times to try and resolve the issue to no avail.
Product: Credit reporting or other personal consumer reports

In accordance with the XXXX XXXX XXXX Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigated but how is that possible if the opened date is inaccurate, the day last active is inaccurate, and the date last reported is also not accurate. This is ground 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, Transunion, & XXXX is reporting inaccurate information on my consumer report WITHOUT permissible purpose and is causing damages to my report and my character. Fifteen United States Code 1681 A Rules of construction paragraph 2 titled exclusions states that transactions do not report to the consumer report and late payments are forms of transactions so this means that if a late payment is reported to my consumer report its a direct violation of the Fair Credit Reporting Act resulting up to XXXX $ per violation. 

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

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I sent the company a debt validation letter in order to prove that the debt belongs to me. The collection company sent me a fake contract that had been doctored to seem as if I contracted an agreement which I know nothing of. It even has a falsified signature that even has my supposedly last name misspelled.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it May Concern I have right to privacy under FRCA LAW I am writing this letter of my own free will and accord. It has come to my attention that there are inaccuracies on my credit reports and FCRA law commands that they either be verified XXXX. Provide validation of the debt, that is, the actual accounting. 
XXXX. Verification of their claim against you, that is, a signed Invoice. 
XXXX. A copy of the Contract binding both parties ( you and them ), and send that letter by recorded delivery so that there is an independent witness to it having been delivered. '' I recently tried to verify these accounts with the credit reporting bureaus. You have yet to provide proof other than word of mouth. Where are the documents and authorizations for these accounts? 

I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct a full investigation and provide me with the documents showing where these accounts originate. Please provide documented proof that I am the owner. 

Lastly please remove the following collection accounts from credit reporting : These accounts are not mine. My credit report was accessed under false pretenses which is identity theft. I will be filing consumer complaints so that these companies are fined for the vicious and malicious practices. I will sue if necessary 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

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

date was XX/XX/XXXX, the amount was {$990.00} via XXXX by XXXX returns. 
The call was on my mobile phone { 2, a man a woman } told me to access my bank of america to see my credit coming through. I immediatly saw a debit in the amount of $ XXXX coming out of the account. I hung up because I sense this was not XXXX. Called bank and reported what had happened and the people were calling me to answer. and text were coming through. 
The phone they were using to call is XXXX { 8 phone calls } the text messages were from XXXX and 2 emails from XXXX asking to confirmed and order that I did not have. 
My claim number from the bank is XXXX. I called XXXX department yesterday 2 hours and no one answered I called this mmorning 2 hours, and no one answered, I also, reported. this the sheriff department in my city and this is the case number, deputy XXXX # XXXX, case # pe XXXX. The name of the person that took the money is XXXX XXXX XXXX, using a XXXX account.
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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I've explained that I was a part of a XXXX XXXX XXXX, my personal information was stolen and used against my knowledge. Each bureau removed the charge from my credit report and the charge was just put back on my credit report and not XXXX person has contacted me from XXXX informing me that this charge would be put back on my account. Please remove this from my credit report as soon as possible. This is fraud on my account...
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Pa XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Removal of Accounts from Credit Report Accounts : XXXX XXXX XXXX XXXX XXXX, XXXX Dear XXXX, I am writing to formally request the removal of the following accounts from my credit report : XXXX. XXXX XXXX  XXXX  account # : XXXX XXXX. XXXX XXXX account # : XXXX XXXX. OneMain account # XXXX These accounts were recently removed from my XXXXXXXX XXXX XXXX  and in accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to ensure that all reporting agencies maintain accurate and consistent information. Since the aforementioned accounts have been removed from my XXXX XXXX  XXXX, they should no longer appear on your records either. 
Legal Basis for Request : Under Section 1681i of the FCRA, I am entitled to dispute and request the removal of inaccurate or obsolete information from my credit report. The removal of these accounts from XXXX XXXX  XXXX  indicates that they are no longer considered valid or accurate, and it is therefore a violation of the FCRA for these accounts to still be reported on your credit bureau. 
Additionally, under Section 1681e ( b ) of the FCRA, credit reporting agencies are required to ensure the accuracy and completeness of the information they report. As these accounts have been removed from one credit report ( XXXX ), I expect the same action to be taken with respect to your credit agency 's records. 
Request : I demand that you promptly delete these accounts from my credit report. If the accounts are not removed within 30 days of receiving this letter, I will consider pursuing all available legal remedies under the FCRA, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Please provide written confirmation that these accounts have been removed from my credit report, or explain the reason for any failure to do so. 
Thank you for your prompt attention to this matter. I look forward to your timely response. 
Sincerely, XXXX XXXX last XXXX of XXXX : XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

These transactions were not made by me. I did not give written consent for those companies to furnish this information on my consumer report
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements + under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and 18.3/ financial loss, and I seek appropriate redress for these violations
Product: Debt collection

THE BUREAUS, INC IS NOT IN COMPLIANCE WITH THEIR CODE OF FEDERAL REGULATIONS 12 CFR 222.42, 12 CFR 1006.30 ( b ) PUT IN PLACE BY THEIR REGULATORS, THE CONSUMER FINANCIAL PROTECTION BUREAU. THEY ARE NOT ACTING IN ACCURACY AND INTEGRITY BY CONTINUING TO FURISH AND COLLECT ON A FRAUDULENT ACCOUNT. 

The Bureaus Inc states that they are a licensed collection agency in the state of Illinois by attaching a license with the name XXXX XXXX XXXX XXXX XXXX THE BUREAUS INC. When searching XXXX XXXX XXXX XXXX in the Illinois Department of Financial and Professional Regulation database The Bureaus Inc is not listed as a XXXX XXXX XXXX XXXX XXXX XXXX ( find evidence below ), surely the Illinois Department of Financial and Professional Regulation are capable of including that XXXX in their online database. 

12 CFR 222.41 ( a ) ( 3 ) states information that a furnisher provides to a consumer reporting agency must identify the appropriate consumer. I have informed The Bureaus Inc that this alleged account is a result of identity theft in accordance with 15 USC 1681c-2. The Bureaus Inc previously stated in a CFPB response If this account was opened fraudulently, the account would have charged off 180 days after the account was opened and likely the bills would not get sent to XXXX XXXX correct address. THESE BILLS WERE NOT SENT TO MY CORRECT ADDRESS. The address on all of the statements and documents in the binder The Bureaus Inc continues to attach is NOT my address, I dont know whos address that belongs too. Please find the address highlighted on XXXX of the statements The Bureaus Inc attached and my correct address is connected to my Consumer Finance account and I have also sent correspondence to The Bureaus Inc from my correct address..

12 CFR 1006.30 ( b ) ( 1 ) Official interpretation 2. Debt that resulted from identity theft quotes 15 USC 1681m ( f ) ( 1 ) and states that no person shall sell, transfer for consideration, or place for collection a debt if such person has been notified under section 605B of the FCRA that the debt has resulted from identity theft. And pursuant to 15 USC 1681m ( f ) ( 2 ) it states The prohibitions of this subsection shall apply to all persons collecting a debt. The Bureaus Inc continues to place the alleged debt in collection and it has been notified that this alleged debt is a result of identity theft. Please find my Federal Trade Commission Official Identity Theft Report attached. This account is a result of identity theft, act in integrity and accuracy and terminate all further collection efforts and stop violating federal law and the code of federal regulations your regulators put in place.
Product: Student loan

Mohela is my loan servicer, and I applied to switch from the PAYE plan to the SAVE plan using the federal student aid website. I was notified that application was approved and that my plan would be switched over starting XX/XX/XXXX  but it never was. According to the website the request was cancelled. I called MOHELA and they put in another request for a change and stated it was approved, and said it would be switched by early XX/XX/, but it never was switched over. I then called MOHELA again probably for the 4th time and they stated I would be switched to the SAVE plan by late XX/XX/. Again, I never was switched over. I now have submitted my 4th application to switch from the PAYE to the SAVE plan, and am frustrated at how this situation is being handled. While this has all been delayed, I have racked up thousands of dollars of interest on my student loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I do not remember ever having a legal obligation with this company nor do I believe one exists. Please examine the way USAA SVG BK ( account number:XXXX ) is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I would highly appreciate it if you block these accounts from reporting immediately. Failure to comply with the request should result in the immediate deletion of the items in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

this is my SECOND WRITTEN REQUEST. The unverified items remain on my credit report in violation of Federal Law. Experian is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.
Product: Debt collection

I was not served and there was alien put on my property. From my calculations, I have paid off the debt which I was only the cosigner on. Company has failed to collect from the main borrower. They garnished my wages for years and I owe them nothing.
Product: Credit card

This concerns my PayPal Credit account, which I've maintained for a while and have occasionally used to benefit from their deferred interest offers on selected products. In XX/XX/2023, I had three such promotional offers active on my account. I made a payment of {$600.00}, intending to settle all these deferred interest balances. In XX/XX/2023, I informed PayPal Credit that this payment was meant to cover all three promotions. However, last month I was unexpectedly charged for all the interest. Today, I spoke with a representative who informed me that customers are required to call each month they intend to pay off a deferred account, a policy supposedly outlined in their terms and conditions on each statement. I have thoroughly reviewed every statement and found no mention of this requirement. Nor have I hard that this was the policy.