23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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 U.S.C 1681 XXXX XXXXXXXX Original creditor : XXXX XXXX XXXX amount for {$520.00} XXXX XXXXXXXX Original creditor : XXXX XXXX XXXXamount for {$75.00} XXXX XXXX XXXX- the amount of {$50.00} XXXX XXXX XXXX.- the amount of {$1800.00} 15 U.S.C 1681 section 602 A. states have the right to privacy 15 U.S.C 1681c. ( a ) ( 5 ) Section no consumer reporting agency make any consumer report containing any of the following items of information any other adverse item 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: Bank account or service

I am a victim of a vicious scam. I was contacted through a freelancer website, XXXX, by a woman who offered me a job ( XXXX ). She assured me that it was a legitimate job and I only had to complete simple tasks for {$400.00} a week. A poor college student struggling to make ends meet with rent and utilities, I foolishly accepted the job. She then sent me XXXX checks, {$2800.00} each, and instructed me to deposit them and then send the money in separate transactions of {$1400.00} each via XXXX XXXX. I was totally unaware that the checks were counterfeit until my bank started closure procedures on my account without notice. When I called them, the customer representatives and Risk Department refused to revoke the decision because I am fully responsible for all transactions and since the money was already taken out, I may be held to repay the overdrawn amount of XXXX-something dollars. They told me that I made transactions on money that was n't there to begin with, but that means that I never had the money in the first place, thus I should not be held liable for it. The bank also holds responsibility for not contacting me when the checks were verified as counterfeit, but when I called and went into my local branch and told them my situation, they were unrelenting. They hide themselves behind monotonous masks of " there 's nothing we can do '' and furtively put the blame on the consumer. I am just a poor college student who fell victim to a vicious scam but now, I am the one in danger of being swamped in more debt on top of student loans and being blacklisted. At this point, I do n't even care for reimbursement. I just do n't want, and I do not need, to pay back money that was never mine to begin with.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern,Please consider this letter as a formal, written grievance against the mishandling of the federal loan account ending in  XXXX and, the subsequent disputes regarding an erroneous delinquency reported to the credit bureaus, to include Equifax, XXXX   and XXXX. I implore you to review the inconsistencies within your internal emailing system and the misstatements given by your managing account specialists. Moreover, I would like to bring your attention to two phone conversations held with federal loan specialists, in which the first agent provided contradictory information to that of the 2nd representative.Initial call took place onXX/XX/XXXX at proximately XXXX XXXX. Please track sequence and review this call. Within this call, the representative scoffed at me to imply that I was lying about ever submitting a deferment.  The federal loan account specialist confirmed with upmost certainty that there was absolutely no record of Any deferment documents in her system. Her condescending tone was quite discouraging therefore, I allowed her to terminate the callWithout resolve. She advised, as you will hear from the recording, that without a confirmation email, no receipt could be verified. Later that evening, I called and advised that I would record the call for quality assurance. The call had to be transferred . XXXX (XXXX  sequence number) was gracious enough to review file. After searching multiple times, she was able to confirm my deferment documents. This leads me to believe that when the deferment was confirmed over the phone previously , that the file was mishandled, file was not denoted and I, misinformed. This has caused a great deal of emotional distress upon me. I have pleaded for assistance but, instead I’ve been ignored and bullied by the federal loan team. I have attached phone records for your reference so that you may locate calls and I have printed both confirmation emails.This is my last attempt to resolve amicably.If not able to resolve, I will retain counsel to litigate these matters. Please be advised that a copy of this letter and supporting documents will be provided to credit bureaus. Regards.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE OF COMPLAINT To : Experian XXXX XXXX XXXX XXXX, TX XXXX Take due notice that this letter is a formal written complaint is a demand for the following items on my credit report to be Removed immediately as they are in violation of 15 U.S.C 1681 ( b ), whereas the following unauthorized inquires are indeed inaccurate and did not obtain my oral or written permission to report such unauthorized inquires and has done so by way of FRAUD! Each unauthorize inquiry calculates up to {$1000.00}. 

15 U.S.C 1681 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT ( 2 ) ( A ) ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. 
( B ) ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. 

UNAUTHORIZED INQUIRES CREDITOR DATE FEES XXXX XXXX XXXX XX/XX/XXXX {$1000.00XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$1000.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$16000.00} In result of these unauthorized inquires, complainant shall be entitled to the calculation of {$16000.00} in remedy for fraudulent reporting of each inquiry on said credit report as it has caused an effect to my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed several disputes with Experian regarding a Fraudulent mortgage account activity on my credit report. However, the account has continued to remain on my credit report. By someone calling in as the alleged mortgage company to Experian saying that the account is accurate almost a month later, when it is not. I have provided documents to Experian regarding this fraudulent account activity as well. I have even seen on my Online account with Experian where they had deleted my entire social Security number on my credit report. I'm not sure if the account I'm reviewing online or mail correspondence is even a true account of mines anymore. Because I have received mail correspondence from Experian with an account that contains a account verification number from Experian regarding a dispute. However, when I call and give the account number on the letter Experian does not have any record of the account number that was provided to me by Experian. Experian has my home listed as a resort and an Apartment building which is false, my address XXXX is a home that I own. I also have not been able to see my Credit Score on my online account as well in over a month, and I pay {$29.00} a month for Experian online service so I can review my credit report and score as often as I want. When I call Experian pertaining to inaccurate credit reporting information, I just seem to keep getting the runaround regarding these issues. I'm also a Victim of Identity theft. As well as Hackers, Spam callers, spoofing, Mail theft, and vanish email, and phone calls. Someone is trying to stealing my identity, because new accounts or incorrect information seen to keep popping up in my credit report every week.
Product: Credit reporting, credit repair services, or other personal consumer reports

CC : Attorney General CC : FTC Identity Theft FTC Report # XXXX All I have to say is fix this now before I file suit for Defamation of Character. As I stated before because of your assumption you have negatively affected my life and those around me causing me severe hardship, mental anguish, and XXXX because of you assuming this role. Pursuant 15 USC 1681 ( 4 ) I have the to privacy. Your company also needs WRITTEN consent to furnish anything on a report let alone create one in the first place Pursuant 15 USC 1681b. 
*** ALL ACCOUNTS BELOW NEED TO BE DELETED & BLOCKED WITHIN THE NEXT 4 DAYS *** XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My mother died XX/XX/XXXX. 
Her house still had a mortgage. 

My brother is executor and lives in the house. 
He has been trying to get a mortgage from PNC in his own name, but PNC is stringing him along with lies and false promises. 
He was paying the mortgage, but defaulted in XX/XX/XXXX. 

PNC bank has filed foreclosure suit against him, me, my son, and my nephew for the debt. 

My son, nephew and I have nothing to do with it. 
It is not our mortgage. 
It is not our house. 
It is not our debt. 
It is not our responsibility. 
It should n't be our problem. 

We have relinquished all claim to the house, in writing, XXXX TIMES. 
PNC Bank and XXXX XXXX XXXX, PC, repeatedly state that they are a collection agency and these are attempts to collect debts. 

Despite our request to do so, PNC and XXXX have failed to provide us with a single document indicating our responsibility for this debt. 

They refuse to remove our names from the foreclosure action, even though they have admitted on the telephone that they know we do n't owe the money, they continue to state in writing that they are trying to collect payment. 

The foreclosure suit has been stayed pending my brother 's completion of the court 's " Save Your Home Program ''. 

PNC 's and XXXX 's claims that I, my son, and my nephew have defaulted on this mortgage constitute LIBEL.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX XXXX XXXX XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 

To Whom It XXXX Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, XXXX XXXX. XXXX ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to XXXX XXXX XXXX XXXX ( XXXX ). According to, XXXX XXXX XXXX XXXX The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, XXXX XXXX XXXX XXXX - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency XXXX furnish a consumer report und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

After reviewing my credit profile on XX/XX/XXXX, I identified a discrepancy with account listed under ALLIED COLLECTION SERVIC and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the account continues to reflect on my credit report, and I have not received any correspondence from creditor to validate this account as correctly belonging to me. Therefore, a 2nd validation letter was sent out on this day. After reviewing my credit report again on XX/XX/XXXX, the account is still reflecting on the report nor has my credit report been updated to reflect that the account is disputed. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all XXXX credit bureaus until adequate validation has been received proving that the account belongs to me, and all information is correct.
Product: Mortgage

I would like to get my share of the recent CFPB settlement with WELLS FARGO BANK for wrongful foreclosure as described below on my prior complaint # XXXX. I understand this claim can be sent through CFPB to WELLS FARGO. 

YOUR COMPLAINT Wells Fargo as trustee for XXXX XXXX XXXX XXXX foreclosed and sold my house yet according to the SEC records XXXX trust never existed. I called the SEC also and they confirmed that the trust never existed/was never registered/no XXXX. This nonexistent entity foreclosed, sold and collected secondary insurance through the alleged servicer XXXX XXXX located in XXXX XXXX XXXX Florida. How could this happen? 

XXXX is lying as they have done the whole case/totally fraudulent. Here attached is proof that they made a claim to XXXX XXXX XXXX lnsurance Company XXXX XXXX XXXX XXXX XXXX, NC XXXX for my mortgage/they are lying that no claim was made. XXXX should be shut down and all the wrongs done against customers be reversed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : XXXX XXXX XXXX XXXX ' # XXXX XXXX Property Address : XXXX XXXX XXXX XXXX XXXX FL XXXX Original Creditor : XXXX, XXXX Loan Amount : Loan Number : Insured : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX T : XXXX XXXX XXXXXXXX XXXX {$220000.00} XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX XXXX : This letter concerns the deficiency remaining on the above-referenced loan. As the private mortgage insurer of the loan, XXXX XXXX XXXX XXXX XXXX ( " XXXX XXXX '' ) has paid a claim on behalf of its insured, XXXX XXXX XXXX and has been assigned and or is fully subrogated to the rights of its insured to assert claims against you as a result of your default in payment on the loan and the resulting deficiency after the foreclosure sale. XXXX XXXX is limited by the contract of insurance with its insured to recover only the amount of the Claim it Paid {$110000.00}, which in this case, is less than the Deficiency {$230000.00}. Demand is hereby made for payment of the sum of {$110000.00}. If this debt is not disputed, mail to this office a check made payable to XXXX XXXX for the full amount due and owing that must be postmarked no later than thirty ( 30 ) days after receiving this letter. If you are unable, ,to send the balance in full., please contact our, office to discuss repayment arrangements. Should you have any questions concerning this matter, you may call me at XXXX. You are encouraged to contact our office to discuss this matter, as we remain interested in resolving this matter amicably. Note that this letter is attempting to collect a debt and any information we obtain will be used for that purpose.l NOTE : IMPORTANT INF0RMATION MAY BE FOUND ON THE SECOND PAGE OF THIS NOTICE. 1. If you are in bankruptcy or received a Bankruptcy discharge of this debt, this letter is not an attempt to collect. 

YOUR CONTACT INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pl XXXX, Florida XXXX United States MORTGAGE ADDRESS SAME AS MAILING ADDRESS No MORTGAGE ADDRESS XXXX XXXX XXXX ct XXXX, Florida XXXX
Product: Debt collection

contact to the original credit and credit bureaus. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
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.

PORTFOLIO RECOVERY A : CAPIT-XXXXXXXXXXXXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

This is my 2nd attempt to address the ongoing issue. Despite multiple requests, I have been consistently denied access to my personal credit report by EQUIFAX. They have refused to release any information regarding my credit history. Attached here with are supporting documents, including a copy of the letter I sent to the credit bureau, along with copies of my personal identification.
Product: Credit reporting or other personal consumer reports

Midland Credit Management has initiated a civil suit regarding a charge-off account with XXXX XXXX, claiming to have acquired all rights to the debt in question. However, the plaintiff has not provided sufficient documentation to verify the validity of the debt, such as the original amount owed, proof of their legal right to collect, or a signed agreement from me acknowledging the debt. Additionally, they have failed to present a comprehensive account of all credit transactions, including charges, payments, disputes, credit rewards, and applicable interest rates, complete with my digital signature and PIN. During the court hearing on XX/XX/year>, no substantial evidence was presented, only a bill of sale for the debt. A subsequent court date has been scheduled for XX/XX/year>.
Product: Debt collection

I get called literally 10 times a day by XXXX XXXX regarding my XXXX XXXX account. I told them on multiple occasions that I am currently unemployed and a can not afford to pay them right now and that they need to close my account and I will pay once employed. Yet they still keep calling me harrasing me stating that I will get taken to court and matters are going to escalate. They got the numbers of my friends and keep calling them. They literally called my friend today whom I havent spoken to in years and they told him that I owe {$1700.00} on my XXXX XXXX  account and he called me to tell me that. Thats illegal why are they sharing my account information with a random person whom I havent had contact with in months. Im so fed up and they keep harrasing me. I even changed my number and they got my new number.
Product: Credit card or prepaid card

On XX/XX/XXXX CITGO closed the account and cancelled the auto payment feature. I have not missed any payments except for the XXXX payment and that is because CITGO closed the account without my permission. I want any late fees waived and the account re-opened.
Product: Checking or savings account

X/X/2017 {$390.00} charged to my BofA account by unknown merchant with " signature not required ''. This fraudulent item cleared through XXXX XXXX XXXX X/X/2017 Item showed up in my account reconciliation. I advised BofA who credited my account on  XXXX with {$390.00}. XXXX dept. told me that this item appeared to be part of a well-known scheme. 

XX/XX/2017 BofA unexpectedly debited my acct for {$390.00}. I called BofA and found that the XXXX dept. said that I had not submitted returned an inquiry from them. I had never seen the inquiry. BofA emailed me a copy of the inquiry - which essentially asked me if I had further info about the fraud. I returned their form ; per tracking, BofA received the information I provided [ I did n't have any helpful information ]. Approx. XX/XX/2017, I called BofA to confirm receipt. I was told that nothing more would happen until the " bank of first deposit '' [ XXXX XXXX XXXX ] responded to BofA 's inquiry [ on behalf of myself and hundreds [ thousands? ] of other people who suffered the {$390.00} scam. XXXX XXXX XXXX had approx. 45 days to respond ; the cut-off date given to me was XX/XX/XXXX. 

XX/XX/2017 I called BofA because they did not credit my account on XX/XX/17. BofAs check XXXX group now says that the money may never be credited because XXXX XXXX XXXX did not respond to BofA 's inquiry in timely manner. If BofA gets a response and restitution in the future, BofA will credit my account. The XXXX group says that they have no more Info to provide me. I attempted to contact XXXX XXXX XXXX but could not reach a " human '' because I 'm not a depositor there. 

A copy of the fraudulent item is available on request.
Product: Checking or savings account

In XXXX of 2021 I noticed a series of micro transactions on my XXXX card ; which was provided to me by my employer ( XXXX  ) for my paycheck to be deposited each pay period. These transactions were in small amounts between {$1.00} and {$6.00} each. There were dozens taken from my card between XX/XX/XXXX and XX/XX/XXXX. the total was approximately {$600.00}. This was an entire paycheck that went missing. 

I notified XXXX  by calling the number on the back of my card and they provided me with a new card and told me they will put a request in to refund me the money. after several weeks of waiting, I was notified that the results of the investigation would not support a refund. When I asked why and what the investigation concluded, they told me that they could not provide that information. I asked why they could not provide this information and they said they don't have that information. When I asked to speak to someone that could provide the results of their investigation, they told me that their investigation team does not speak to anyone and can not provide it to me. After a series of phone calls attempting to reach someone that can help me with the investigation results and a series of being hung up on, one person told me that they could send me the investigation results by mail within 10 days. After 10 days, I received nothing in the mail and called them again. They told me that it was sent and to just wait for it to arrive. It never came and I still have no answers. They did not provide me with a reason for denying me a refund for fraudulent charges on my account, nor did they send me any information. 

I am writing to the CFPB now because I am out of options. I do not know what to do, nor do I have the time to go back and forth with XXXX.
Product: Debt collection

THEY ARE HARASSING MYSELF AND PEOPLE UNRELATED TO AND OLD WIPED OFF DEBT PROTECTED BY THE COURTS AND FCRA ACT. 

THEY USE ILLEGAL TACTICS .... XXXX THEM TO SEE THEIR REPUTATION. THIS BUSINESS NEEDS TO BE SHUT DOWN ASAP
.

THIS IS ONE OF SEVERAL CFPB COMPLAINTS AND NOW THIS WILL BE PUSHED FOR PROSECUTION. MARK MY WORDS