23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Received collection invoice from Rocky Mountain Professional Solutions XX/XX/XXXX I sent a registered letter requesting verification of the debt ( see letter ) dated XX/XX/XXXX On XX/XX/XXXX I received a response to my letter with billing copies but no proof of the debt as requested. I sent another registered letter XX/XX/XXXX ( see letter ) requesting again the actual proof of this debt being mine. They sent me another letter dated XX/XX/XXXX ( see letter ) with the same billing pages, but no verification of the debt being mine, as requested. 

On XX/XX/XXXX I sent another registered letter to them about their requirement within the law to provide proof of a debt being mine ( see letter ). on XX/XX/XXXX I received a registered letter and had to sign for that letter with the XXXX, in that letter they stated they did provide me validation of the debts. They just keep sending me the same pages of billing statements with no actual verification of the debt. This collection agency is clearly not complying with their responsibility under the law after repeated attempts and should cease & desist trying to purse this collection.
Product: Credit reporting or other personal consumer reports

I declare under penalty of perjury ( " under the laws of the United States. '' if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. 
Further, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willing for Miss statement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001.

Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items I'm requesting you to do so for. I want to make it clear that I'm not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldn't file the report because I didn't have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained. I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE
Product: Checking or savings account

Bank of America - Opened 3 Accounts - Closed 3 Accounts - I would like for them to tell me how this happened as it 99 % was an inside job as it happened the 3 hours after I met with their Business Banker and XXXX XXXX. 

On XX/XX/2023 I met with a XXXX XXXX  by the name of XXXX at Bank of America at XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX offered to open several savings accounts for my business with her, but I declined because the accounts where not what I was looking for. 

XXXX then walked me over to XXXX XXXX at Merrill Lynch : XXXX did have what I was looking for so I verbally agreed to open an account with XXXX. XXXX sent me an application, which I took a week to fill out. 

One week later, I received mail from Bank of America : the mail was a signature card for me to open three new accounts. I did not open these accounts. I went to the Bank of America branch to meet with XXXX and found out that those accounts were opened a XXXXXXXX XXXX the same day I met with XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bank branch. 

These accounts were opened under my Business Name and all mail was sent to an address in XXXX I am not familiar with, that address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone Number XXXX I closed the accounts- but I would like to know what happened and that it is being investigated given the fact we have an address and a phone number to call. 

How can I help you pursue this?
Product: Credit reporting or other personal consumer reports

I opted out of recording credit and loan offers with TransUnion back in XXXX of 2023. TransUnion has sent me many many many offers telling me that I should apply to these offers. Ive been denied credit time after time. Just recently in XXXX of XXXX I was denied {$5000.00} loan with XXXX XXXX. The company sent me a denial letter, stating they pulled my report from TransUnion. 

Ive attached screenshots of some of the emails TransUnion has sent me. There are many many more. 

Ive attached the first page of my credit report mailed to me from TransUnion XXXX stating that I am opted out of offers. 

And lastly Ive attached my denial letter from my bank.
Product: Mortgage

I have a home mortgage with ocwen loan services llc. I make my payments with no problems they are always on time and even early. they keep sending my payments back and not any reason with it. now i have received notice telling me i am 351 days past due and threatening to take my home away. i have all my checks that have been sent out. my husband is a XXXX XXXX veteran who has passed away. i maintain all payments for the estate of my husband. i have had help from other friends and been told this company is XXXX that is into stealing seniors homes by not taking their payments to force a foreclosure on the home. as a XXXX veterans wife i feel that i should be able to get help quickly before they force me out on to the street. i am XXXX yrs old and have several XXXX issues and can not keep going through this stress i am also contacting the governor of Florida for his support in this matter. please can you help me to save my home.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report XXXX  XXXX Bankruptcy Case Number : XXXX Delete this account. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Please remove it from my credit report.

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting.

XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX 6. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like these items immediately re-investigated. The inaccuracies are highly injurious to my credit score. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, In accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, subsection A-D. Please provide the names and business addresses of each individual with who you verified the above follow up. Please send me an updated copy of my credit report after you reinvestigation.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 I sent XXXX.XXXX, XXXX XXXX, $XXXX, via Pay Pal for a puppy for my daughter XXXX. So far I have not seen a dog. I have Emailed them and I have XXXX XXXX Instant messaged them. So far there is no response. Is there anything you can do to help me? I can’t afford to loose $XXXX On XX/XX/2019 I filed a dispute with Pay Pal, It was closed on XX/XX/2019 with no resolution to the problem!Transaction Date: XX/XX/2019Payment Amount: $XXXX USDRecipient: XXXX.XXXXTransaction ID: XXXXCase Number: XXXX
Product: Debt collection

I was recently released from Florida Department of Corrections after being XXXX  for XXXX years and XXXX months. I had a friend help me with my credit profile so I can begin to build my credit so I can obtain housing after being locked up for so long. She went to pull my credit reports and noticed there was a collections account from XXXX XXXX which had been sold to Portfolio Recovery due to non payment. According to my credit profile, the card was opened in XXXX and placed in collections in XXXX. I was arrested back in XX/XX/XXXX and was not released until XX/XX/XXXX so there is no way I was able to open a credit card in my name especially because in XXXX we did not have access to the internet. I have proof that I was XXXX  the entire time. I called Portofolio Recovery on XX/XX/XXXX and the young lady on the phone provided me details about the charges and the account which I have no knowledge of. The address that the statements were being sent to was not my last known address before I was arrested. She stated they will start a dispute being that I was XXXX  but not sure if they will actually remove the collections account. I did not open a credit card account with XXXX XXXX being that I was in prison for XXXX  years and XXXX months.
Product: Debt collection

My account was paid and charged off in XXXX of 2018. For some reason XXXX continues to report CO 's on my credit reports. Pursuant to 15 USC 1681E, compliance procedures state that ( b ) accuracy of the information concerning the individual about whom the report relates, shall follow reasonable procedures to assure accuracy at the very minimum. Acima violated this law 18 additional times EVEN AFTER THE ACCOUNT WAS PAID. Since the balance was over {$600.00} and has been charged off as income, and the violations are still posted on my credit reports, I have asked them to remove from my credit reports and I want the remedy due me per the law. Because of Acima 's noncompliance, I have suffered and continue to suffer damages due to their negligence. I am constantly being denied housing and in turn my family and I are now homeless. Pursuant to 15 USC 1681N states that because of Acima 's negligence I am due punitive damages. I've requested a check in previous writings to them but Acima is acting above the laws. How will the CFPB punish Acima. Please advise ASAP.

Thanks.
Product: Payday loan, title loan, or personal loan

THIS COMPANY DONT HELP XXXX PEOPLE AND TRY TO HOLD THEM BACK BY LYING TO THEM ABOUT THE LINE OF CREDIT AS I KNOW THAT IM THE SERCURE CREDITOR AND THEY CANT DENIEL ME A EXTENTION OF MY OWN CREDIT THEN WHEN TOLD THAT THEY WAS VIOLATING 15 U.S.C. 1611 THEY STILL DID NOT CARE AND STILL STAY WITH THEIR LIE ... ... ..I WILL BE FILING A FEDERAL LAWSUIT BECAUSE IM BEEN TRYING FOR 13 YEARS AND BEEN TOLD THE SAME THING FOR 13 YEARS THIS GOT TA BE THE BIGGEST XXXX  PROBLEM I BET IF I WAS XXXX  IVE BEEN HAVE MY CREDIT THE RIGHT WAY WHEN I NEVER MISS A PAYMENT OR BEEN LATE THIS IS BECAUSE XXXX XXXX AND IN THE WRONG AREA FOR CAPITAL ONE SO THEY MAKE ME LIVE THE WAT THEY THINK
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is has been showing on my consumer credit reports as a charge-off for 7 years plus. Ive been trying to dispute this issue for 2 years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. They can't charge it off then report it to IRS. Furthermore, ( BK OF AMER ) is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices.
Product: Checking or savings account

I have tried for a long time to close my savings account with Navy Federal CU. They have stated that they can't close it because it is tied to a bankruptcy that I did over 12 years ago.
Product: Credit reporting

I have an account from XXXX on my credit report that I disputed because it is 8 years old now. XXXX found in my favor and removed the negative account from my credit report. XXXX dispute somehow says that the debt is still valid. Somehow after 8 years, XXXX is still renewing the date on this debt and it 's still reporting the last being in XX/XX/XXXX. How can XXXX keep reissuing the date of this debt as of it is new when the original date was in XX/XX/XXXX?
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is in violation of so many FCRA codes its insane. 

They are receiving the letters requesting incomplete and inaccurate information on the XXXX XXXX XXXXXXXX credit report to be removed. I puzzled how an account can be reported as past due and yet be " charged off ''. A person shall not furnish any information relating to a consumer or consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Experian is reporting this false information without my consent and it is affecting my livelihood. They go on these public websites and extract information and sell it for profit as if I do not have a right to privacy. Moreover, credit may not treat a payment on a credit account under an open ended consumer credit plan as late for any purpose yet they continue to put these negative marks on the credit report. I have no choice but to file suit.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} Charged off- XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00} XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

Dear, my daughter is under XXXX years old so I opened an account with Wells Fargo to deposit scholarships and financial aid funds to her account, her ATM Debt cards was compromised so many times and she didnt know how to protect her account she were disputing the chargers instead of filling fraudulent charges and the Wells Fargo instead helping her to file fraudulent charges instead they were disputing them that majorities of them were rejected and she had to to pay for charges that she didnt do, not knowing Wells Fargo a decade ago committed unethical and fraudulent by opening accounts for their clients without they not knowing in fraudulent and unethical manners and now instead of protecting their customers. The bank manager filed internal complaints for why she suspended her ATM debt card and It didnt resolve and I wasnt notified so I had to give her my ATM to utilized for her XXXX Universcity. I think Wells Fargo is doing it again in different matters its a pattern please investigate their actions. 
Thank you and stay safe.
Product: Checking or savings account

My account was closed on XX/XX/2020 but I was supposed to receive my funds on XX/XX/2020 I still havent received my funds
Product: Credit reporting or other personal consumer reports

i did not authorize these inquires on my credit. 

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 or other personal consumer reports

This debt was paid in 2019. I have been disputing it ever since it appeared on my report and XXXX and XXXX refuse to investigate. They just place a statement that it meets the FCRA without sending me proof that this debt is valid. I am a current XXXX XXXX customer and would not be allowed to continue services if the debt has not been paid. Neither of the companies that this debt keeps shifting to are providing evidence I a requesting, yet it is affecting my credit score.
Product: Debt collection

There are breaking Federal law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
So I then asked them to provide me a description of the investigation according to 15 USC 1681 ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either. 

They are also breaking these laws as well below : According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate.

This is unfair and if they are doing this to me imagine who else they are doing this too. Can you fix
Product: Checking or savings account

I have a checking account with Charles Schwab. On XX/XX/XXXX, I noticed that almost {$15000.00} in unauthorized transfers had occurred in my account. I have no idea who made these or how it happened, and I called Schwab Customer Service. I was told they would initiate and investigation and I had my account completely locked down so no one could access it. I spoke to an account representative in the Investigations Department on XX/XX/XXXX and he said he would contact me again on XX/XX/XXXX. Today is XX/XX/XXXX and I have still not heard from him. I have called Schwab several times between XX/XX/XXXX and XX/XX/XXXX, and my calls are never returned and no one is explaining anything to me regarding their fraud investigation ( if one is even occurring ). I have been advised by an attorney to notify the CFPB and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was impacted negatively by the XXXX XXXX XXXX. It has caused much agony and pain. It has destroyed my credit, I need items removed immediately from my consumer report or i will move forward with litigation and reporting to XXXX States Attorney General, and file a federal lawsuit for the improper use of my credit report agony with the anxiety, stress and depression this has caused me.
Product: Credit reporting or other personal consumer reports

I sent a letter to you on XX/XX/2023. Its been more than30 days since I contacted you, and still have not heard back from you.

So, in accordance with the fair credit reporting act XXXX accounts that is listed in the letter, 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 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

XXXX XXXX XXXX told me to contact the bank and see if they had a collection on the matter BofA Bank and told me they did not ever see any time I had a account with them The credit card was opened in XXXX and BofA wnt back to the XXXX 's
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Inquiry from XX/XX/2017 The Inquiry above is fraudulent. Please investigate and remove.