23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act, XXXX XXXX XXXX XXXX account numbers xxxxxx XXXX has violated my rights. 

In accordance with the Fair Credit Report Act, Attorney General account numbers XXXX has violated my rights. 

In accordance with the Fair Credit Report Act, XXXX account number xxx # # has violated my rights. 

In accordance with the Fair Credit Report Act, XXXX XXXX account number XXXX has violated my rights. 

In accordance with the Fair Credit Report Act XXXX XXXX account number xxxxxx XXXX, XXXX has violated my rights. 

In accordance with the Fair Credit Report Act XXXX XXXX XXXX account number XXXX has violated my rights In accordance with the Fair Credit Report Act, XXXX XXXX XXXX XXXX account number # XXXX has violated my rights. 

In accordance with the Fair Credit Report Act, XXXX XXXX XXXX account number xxxxxxx XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Report Act, XXXX XXXX account XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 Section A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a Consumer Reporting Agency CAN NOT furnish a account without my written instructions.
Product: Payday loan, title loan, or personal loan

Around XX/XX/XXXX or XXXX, 2019 ( First Tech Federal Credit Union has the specific date when I paid off the loan for the camper ), XXXX dollars and am waiting for the XXXX title to mail me since the date I paid off. The location is here in XXXX XXXX, XXXX, Oregon. Twice, my loan officer for the camper called the headquarter about the whereabout the title is. They said they released the title XX/XX/XXXX and would be mailed around 5 days. Last Monday, I went to the First Tech bank officer again and he called them. They mailed XX/XX/XXXX. Now it is not here yet as XX/XX/XXXX. I will go to the bank officer again about this. I am afraid about my consumer who wants to buy my truck camper and needs this title so he can get a loan. He pateince with the progress. I never experience with this First Tech compared with other banks. 
Let me know what I need to cover more that I need to do addtional information. 

XXXX XXXX XXXX email XXXX XXXX XXXX Text only
Product: Credit reporting or other personal consumer reports

Subject : Escalation of Dispute Regarding Account Number : XXXX Dear Sir/Madam, I am writing in response to your reply via the Consumer Financial Protection Bureau ( CFPB ) portal regarding the alleged debt associated with my former lease at XXXX XXXX XXXX XXXX Your response fails to address or resolve my concerns and further misrepresents the facts of the situation. 

To reiterate : XXXX. I vacated the property on XX/XX/year>, under an agreement with XXXX XXXX XXXX to move out early due to an armed break-in at my unit in late XX/XX/year>. This release was granted based on police advisement for my safety. XXXX XXXX XXXX explicitly agreed there would be no penalties or fees associated with my early move-out and agreed it was in everyones best interest. Police records can be provided. 
XXXX. I have had no financial or contractual obligations to XXXX XXXX XXXX since my move-out date. I have been residing in a new apartment complex since XX/XX/year>, and fulfilled all terms of my tenancy prior to this release. My final month as a tenant at this address was XXXXXXXX XXXX XXXX due to my safety. 
XXXX. The alleged debt is therefore entirely invalid, as I was released from any further obligations under my lease, and no charges were ever communicated to me at the time of my departure. 

Failure to Provide Validation of Debt Your claim that a Lease Agreement and Resident Ledger were provided as validation is misleading and insufficient. These documents fail to explain : How the alleged debt was calculated. 
What charges or fees are included in the balance and why they are owed. 
Why I was never informed of these charges before they were sent to collections. 

This lack of transparency is a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g ( validation of debts ) and 15 U.S.C. 1692e ( false or misleading representations ).

Final Opportunity to Resolve I request the following information within 14 days of receipt of this letter : 1. A complete, itemized breakdown of the alleged charges, including dates, descriptions, and amounts.

2. Proof that these charges are consistent with the terms of the lease agreement and the early move-out agreement. 
XXXX. Evidence of any communication from XXXX XXXX XXXX informing me of these charges prior to sending the account to collections. 

If this information can not be provided or if the alleged debt is not withdrawn, I will escalate the matter further. My next steps will include : Filing a formal complaint with the state Attorney XXXX office and any applicable housing authorities. 
XXXX with a consumer protection attorney to pursue legal action for damages under the FDCPA and state-specific tenant protections. 
Ensuring that this matter is contested with all major credit reporting agencies to prevent or remove any negative impact on my credit report. 

This is your final opportunity to resolve this matter amicably by providing the requested information and withdrawing the alleged debt. 

Thank you for your immediate attention to this matter.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX  XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XXXX section XXXX A. XXXX 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Formal Dispute ofXX/XX/XXXX Failure to Properly Investigate Disputed Information To Whom It May Concern, Im writing to dispute multiple accounts on my credit report that XXXX has failed to properly investigate. Ive recently learned about the CFPB lawsuit against XXXX, and it seems the issues theyre being sued for are the same ones Ive experienced. Here are the accounts Im disputing : I provided clear evidence to support my disputes, but it seems like XXXX didnt actually investigate these accounts. From what I can tell, you just accepted whatever the companies who reported the accounts told you, even though their responses didnt make sense or address my concerns. To make things worse, the response I received from XXXX didnt explain anything. It didnt tell me how these accounts were verified or provide any proof. In some cases, it feels like you mightve put back old, inaccurate information onto my report without notifying me, which is against the law. Heres what I need you to do : Reinvestigate each account listed above and make sure you actually verify the information with proper evidence. Remove any incorrect or unverifiable accounts from my credit report. Send me detailed results showing how you investigated these accounts and include any proof you used to verify the information. Make sure these accounts arent added back to my report unless theyre proven accurate, and you notify me in writing. Please resolve this within 30 days as required by the Fair Credit Reporting Act. If this isnt fixed, Ill file a complaint with the CFPB and consider further legal action to protect my rights. Thank you for handling this quickly. I look forward to hearing from you soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despiteseveral written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you donot validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry XXXX XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Account Number : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account XXXX : XXXX ; XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX  Account Number : XXXX ; ; XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX.
Product: Debt collection

In XXXX, an appliance was lease from XXXX. When the appliance was shipped it was defected ( there was a large dent and groove on the freezer door/ it was caved in ) and a report was made. XXXX offered to have the appliance picked up and replaced. A pickup delivery date was set. XXXX never replaced the appliance and a call was made to the company several times. I learned that XXXX filed bankruptcy and went out of business. In the meantime, my debit card was still being charged and payments were still being made. XXXX went out of business and never replaced the defected item. A new and functioning appliance was made from another company.
Product: Credit card

I had a Shell credit card since 1998 I moved out of country and paid the card off they were in the process of issuing a new card which I also told them to cancel because they are no good here. They took the XXXX payment that I ask them to draft from my bank account, to pay the card in full, but credited it to the new card they had issued which was also cancelled and are still charging late fees and interest on the old card I have tried many times to get this resolved to no avail. I am out of country and can not sit on the phone for hours trying to explain to them what has happened I have spent several hundred dollars in phone charges to talk with them and still have bills coming to me about this I do n't know what to do any more my credit score has gone from high XXXX 's to the XXXX 's because of this they are ruining my credit and I do n't know what else to do. when I talk to them or try to get into the account they tell me it has been closed but they have XXXX maybe more of my money and are showing my bill as being unpaid this needs to be resolved.
Product: Debt collection

Collection agency Vance & Huffman purchased this debt from XXXX XXXX. The original date of this debt was XX/XX/XXXX. Vance & Huffman is deliberately re-aging this account to show it as XX/XX/XXXX in an attempt to affect my credit rating, cause denial of credit and to cause me higher interest rates & loan terms. I have asked them for all media pertaining to this debt as I have the original contract opened up in XXXX.
Product: Debt collection

I mailed a debt validation letter to jefferson requesting that they send me the original contract that i sign with the original, proof of the debt assignment, a payment history and dates from the original creditor, I also would like to see the forward flow agreement and chain of assignment this is all with in 15 usc 1692g,15 usc1681e and 15 usc 1681g. i didn't sign any contract with this debt collector and the are reporting inaccurate information on my report.
Product: Mortgage

We recently paid off our mortgage. We received a letter from our servicer, Seterus, saying our final payment exceeded what was due and that we were entitled to a refund of {$530.00}. We also had money held by Seterus in escrow for taxes, although we never received a breakdown on those figures. We later received a check unaccompanied by any explanation of whether the check consists of the escrow and the overpayment or just the escrow. We have called and have been told that the payment includes the escrow and the overpayment, but have not been given any breakdown that explains how much was in escrow and how much was returned as an overpayment. We have asked for such a breakdown and been told we will not get one unless we write Seterus. In short, we can not ask for the breakdown explaining how the refund was calculated without a written letter.,
Product: Checking or savings account

I opened a bank account XX/XX/XXXX and deposited a small amount. XX/XX/XXXX I deposited XXXX and on the XXXX my account was froze and on hold until the XXXX then when that day came it was on hold until XX/XX/XXXX and when that day came it was extended u til the XXXX of XXXX. Enough is enough now there is no reason why my account should still be on hold. I need my money I have things to do. I feel I am being discriminated becuase I was asked if the checks were real.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the credit bureaus but I never received a response from them. This account must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

XXXX XXXX  XXXX XX/XX/2022, XXXX XXXX ( 2 days ago ) to XXXX, XXXX, XXXX, bcc : me Why is this message in spam? It is similar to messages that were identified as spam in the past. 
Report not spam Dear CUSTOMER, This is an Aut0-Renewal email alert from the XXXX XXXX plan XXXX As per your auto-debit instructions your subscription for the XXXX XXXX plan has been successfully renewed & updated for 2 years and USD XXXX has been successfully deducted from your bank account. 

We have tried to contact you on your registered number but we could not get through your service is not cancelled yet. 

SUBSCRIPTION - SUMMARY Order Id : XXXX XXXX XXXX XXXX  Date : XX/XX/2022 Method : Online delivery Product : XXXX If you want to cancel this order then please contact with our XXXX billing team. 

Call us on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I submitted an application for a loan modification in XXXX XXXX. I sent all the documents required. Since that time I have been contacted numerous times asking me for the same documents I sent before. It is now XXXX XXXX, XXXX and I am still going back & forth with this mortgage company. Even the agents have admitted that they have the items that the underwriters misplace them. I am at my wit end fed up with this and want something done immediately. I 've faxed, email and mailed the required documents 4 times to no avail. The agents are not knowledgeable and no one seems to want to assist me. When I ask them to look for the documents they find them. However the following week I get a call asking me for the same thing over and over again.
Product: Credit reporting or other personal consumer reports

In accordence with the fair credit reporting act XXXX Account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act SPRING OAKS CAPITAL LLC Acct # 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.

18 USC 1028A- Aggravated Identity Theft ( A ) OFFENSES. 

( XXXX ) IN GENERAL. 
Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. 

( XXXX ) XXXX XXXX. 
Whoever, during and in relation to any felony violation enumerated in section 2332b ( g ) ( 5 ) ( B ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person or a false identification document shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 5 years.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  maintenance worker tried to burglarize my apartment. I have it all on camera. I feared for my life and called the XXXX POLICE DEPARTMENT to the apartments to file a police report on XX/XX/2020. XXXX XXXX XXXX  gave me permission to break the lease with no fees or penalties. 
XXXXXXXX XXXX XXXX has placed XXXX XXXX XXXX  XXXX in the untenable position to commit felony conversion aiding and abetting fraud by mail attempt to collect a debt that I have no contractual obligation. ( 2 ) predicators of the three ( 3 ) needed to begin a Racketeering. XXXX XXXX XXXX XXXX has violated my privacy and have failed to adequately comply with the affidavit request. Over the last 3 years I have been dealing with the harassment of XXXX XXXX XXXX. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household purposes. The inaccurate reporting has damaged my livelihood. At this point I have to tried to resolve the matter. What else is there to do, File a complaint with the Attorney General, File a complaint with the federal Trade Commission. File a police report against you for harassment an invasion of privacy. File a lawsuit against you in Florida for harassment, fraud, and invasion of privacy. For the purpose of Section 242, acts under " color of law '' include acts not only done by federal, state, or local officials within the their lawful authority, but also acts done beyond the bounds of that official 's lawful authority, if the acts are done while the official is purporting to, or pretending to, act in the performance of his/her official duties. Persons acting under color of law within the meaning of this statute include police officers, prisons guards and other law enforcement officials, as well as judges, lawyers, care providers in public health facilities, and others who are acting as public officials. It is not necessary that the crime be motivated by animus toward the race, color, religion, sex, handicap, familial status or national origin of the victim. The offense is punishable by a range of fines up to {$250000.00}, imprisonment up to a life term, or the death penalty, depending upon the circumstances of the crime, and the resulting injury, if any.
Product: Checking or savings account

I believe I've been a victim of identity fraud and have had $ $ sucked out of my account over the past year and due to COVID19 issues, have had toime to reconcile my accounts to discover this problem totalling {$4000.00} in charges.. 

Yes BOA disputed the charges, cancelled my card & got a new card coming to me via next day air ; but they've got my $ $ hostage and refuse to return the balance until 90 day investigation occurs?? 

You will see on the attached .pdf XXXX XXXX " XXXX '' shows my information is on the XXXX, and multiple entries of my email password compromise ... That email is primarily used on my windows computer, where it stores my CC info ... etc I believe the ID theft was a hack on that laptop.. 

I also see when there are delinquent accounts and also multiple conflicts I was having with my CC companies ... They refused to acknowledge i wasn't making these charges which was within the calendar where the first XXXX entry occurs..
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XXXX and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} Chapter XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am formally disputing inaccurate and fraudulent information on my credit report. As a survivor of human trafficking, certain accounts and debts were incurred without my knowledge or consent. These fraudulent accounts and derogatory items continue to harm my credit profile and do not reflect my true financial behavior. 

Key negative items include : XXXX. **Accounts in Dispute : ** - XXXX XXXX XXXX XXXX XXXX inquiry ( XX/XX/year>, XXXX ) - XXXX XXXX Open inquiry ( XX/XX/year>, XXXX ) - XXXX Open inquiry ( XX/XX/year>, XXXX ) XXXX XXXX XXXX XXXX XXXX Open inquiry ( XX/XX/year>, XXXX ) XXXX **Midland Credit Management** XXXX XXXX {$840.00}, XXXX ) - XXXX XXXX XXXX XXXX XXXX/Chargeoff ( {$1400.00}, XXXX ) - **XXXX XXXXXXXX XXXX ( Late XXXX Days, XXXX ) XXXX. **Personal Information Discrepancies : ** - Incorrect names and addresses across all credit bureaus, including : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL 3. **Fraud Alert : ** - A fraud victim alert is active on my *XXXX** file, confirming fraudulent applications may be submitted in my name without my consent. I have been a victim of identity theft as part of the human trafficking ordeal.

4. **Negative Credit History : ** - Several derogatory marks are listed under collection agencies, including Midland Credit Management and XXXX XXXX XXXX which were incurred under duress.