23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear XXXX, I am writing to dispute the alleged debt reported by your company, as this account does not belong to me. I have never had any relationship or agreement with XXXX XXXX XXXX or XXXX XXXX Bank XXXX, and I believe this account has been fraudulently reported. 

The reporting of this account violates both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). To rectify this matter, I request the following documentation : Proof of your authorization under 15 USC 1692e and 1692f to collect this debt. 
The legal basis for attempting to collect this debt. 
Proof of your authorization to operate in my state. 
Evidence of the alleged debt, including any contracts or agreements bearing my signature. 
A full account history, including any charges and fees associated with this account. 
Your actions infringe upon FDCPA XXXX, XXXX, XXXX ( b ), and XXXX. I therefore demand the immediate removal of this fraudulent account and prompt resolution of this matter. Under the provisions of the FCRA and FDCPA, I request that this item be deleted from all three major credit bureaus ( XXXX, XXXX, and XXXX ) as soon as possible.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 16816 - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) 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 consume I am demanding the deletion of the accounts listed IMMEDIATELY. 

XXXXXXXX XXXX Inquiry Date Removal Date Type Phone Number XXXX XX/XX/XXXX Automotive ( XXXX ) XXXX XXXX XXXX Inquiry Date Removal Date Type Phone Number XXXX XX/XX/XXXX Banks and XXXX XXXX XXXXXXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXXXXXX Inquiry Date Removal Date Type Phone Number XXXX XX/XX/XXXX Inquiry Type : Auto Financing XXXX XXXX XXXX Inquiry Date Removal Date Type Phone Number XXXX XX/XX/XXXX Auto Financing ( XXXX ) XXXX Inquiry Type : Automobile Dealers, New XXXX XXXX XXXX Inquiry Date Remova Date Type Phone Number XXXX XX/XX/XXXX Automobile Dealers, New ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CRA is still reporting erroneous accounts on my credit report even after I submitted a police report and FTC identity theft report, showing I've been the victim of identity theft.
Product: Vehicle loan or lease

I have an existing loan with Global Lending Service with an APR of 21.45 % and I am trying to get this loan refinanced to lower the monthly payment but the lender Global Lending Service has been calculating the interest more than the 21.45 % that I have signed up for giving me excessing pay-off balance. I have an offer for refinancing of and APR of 5 % which is a very acceptable car loan interest that I would like to have to fit my monthly budget but Global Lending Service Manager by the name of XXXX XXXX refused to look at their database of not calculating the correct pay-off balance and the correct interest accrued according to the APR 21.245 %. Please help by calling Global Lending Service to review my manual calculation according to my car loan contract and not according to their database calculation. Their database is ripping off consumers like me. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a letter from Equifax and the bankruptcy is still on my credit report they are telling me to contact the court. It's been 2 years and I was informed by the lawyer who filled in my behalf that after 2 years this should no longer be on my credit report. I want it removed. the letter is stating they can keep the bankruptcy on my credit report for 10 years?
Product: Credit reporting, credit repair services, or other personal consumer reports

no response to my correspondence of XX/XX/2018 I have no knowledge of ever having a credit card with this bank XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, NJ XXXX.Th ebank has my account charged off for {$150.00} No account # is listed on teh credit report
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 USC 1681. 

XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX 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 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

Formally disputing the recent reinsertion of an account, specifically an XXXX XXXX account numbered XXXX, in my credit report with EQUIFAX XXXX This account was previously deleted following my dispute in XXXX, which I initiated due to inaccuracies and lack of verification. 

The Fair Credit Reporting Act ( FCRA ), under Section 611 ( a ) ( 5 ) ( B ), mandates that if any information that has been deleted from a consumer 's file is reinserted, the consumer reporting agency must notify the consumer within 5 business days and despite this requirement, I have not received any notification of this account 's reinsertion from EQUIFAX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect addresses are reporting on my credit report. Ive sent numerous letters to the bureaus demanding to delete the incorrect information on my report. 

XXXX XXXX CT XXXX, GA XXXX is not my address. 

Also inquiries are reporting on my credit report that I dont recognize XXXX XXXXXXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Product: Mortgage

With my life-savings, I purchased an HOA-Lien investment property from an public auction without any transparency on existing mortgage on the property. Once I received notification there is an existing mortgage, I personally & through my attorney attempted to contact the mortgage company ( XXXX XXXX XXXX ) on several occasions to pay-off or refinance which mortgage company refused to provide me any information on the mortgage regardless of being the legal owner of the property being financed. The mortgage interest has been accumulating and no payment has been made as I have no account number to send the funds. I believe the lender is thinking that it is easier to foreclose the property as the foreclosed property value vs mortgage balance would easily be retained plus all interest & their attorney fees but I would lose my life-savings. 

My attornery XXXX XXXX XXXX sent out the payoff letter dated on XX/XX/2021, there has no any response or reply, as the owner, I have attempted to contact the lender mult-times during one year of time, due to the confidential policy, they insisted to not provide any payment information unitl I have complainted to the XXXX XXXX XXXXXXXX , they informed me that the mortgage has been transferred to Shellpoint Mortgage Servicing, I have to contact them instead.
Product: Bank account or service

I went to Wells Fargo here in XXXX, Idaho and discovered that {$300.00} was missing. I did n't get a good reason.
Product: Credit reporting or other personal consumer reports

Despite my repeated efforts to address the fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The continued presence of these items has significantly affected my life, causing considerable stress and XXXX I must emphasize once again that I did not authorize or consent to the inclusion of this information, as I have been a victim of identity theft.
Product: Credit card or prepaid card

THIS COMPANY HAS LIED TO ME. THEY HAVE INCREASED MY RATE 5 % AND THEN CHARGED THAT RATE ON BACK PURCHASES. I MADE A COMPLAINT TO THIS OFFICE. American Express WAS ABLE TO IGNORE MY COMPLAINT. THEN THERE WAS A PROBLEM WITH A PAYMENT DUE BY XX/XX/XXXX. APPARENTLY IT WAS PAID ON XX/XX/XXXX. THE PAYMENT WAS PAID IN FULL AS TO THE OBLIGATION AND PAID IN FULL AS TO THE NEXT MONTH 'S OBLIGATION. THEN THEY DOUBLED THE INTEREST RATE. I COMPLAINED AND THEY PROMISED TO PUT THE INTEREST RATE BACK TO THE 15.99 % THE RATE THAT WAS INCREASED BY 5 %. I CALLED THE CUSTOMER SERVICE ON XXXX 19 AND THE SUPERVISOR TOLD ME THAT MY INTEREST RATES ARE NOW 20 % AND 25 %. THEY LIED AND CHEATED AND I AM HORRIFIED BY THIS COMPANY. I HAVE HAD AMEX CARDS FOR 25 YEARS AND THEY HAVE TREATED ME LIKE GARBAGE IN THE PAST 3 YEARS. RAISING RATES IN THIS FASHION IS AN ABOMINATION.
Product: Credit reporting or other personal consumer reports

The following inquiries appeared on my credit report without my knowledge or permission. 

EquifaxXXXX XXXXXXXX XXXX XX/XX/year> Equifax XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Product: Checking or savings account

Got approved, but then immediately couldn't open my online access because I had to have my checking account number which was shown on a previous page.
Product: Money transfer, virtual currency, or money service

PAYPAL - Have used PayPay for 8 years without a problem. We charge customer 's credit card to pay for orders and some of them are large amounts. One of our customer 's filed a complaint with her personal credit card company that someone had misused her card ( not us ) and it was a card we had charged on PayPal to pay for goods. Her credit card company stopped ALL payments to investigate and the money we charged on PayPal was debited to our account leaving our PayPal account $ XXXX. I told PayPal they could debit MY company 's bank account for the {$15000.00} but XXXX said no they couldn't do it because they had put a hold on our funds in XXXX  and our account was only- {$6000.00}. AGAIN I offered to pay XXXX the full {$15000.00} but no they wanted to debit our bank account for {$6000.00} and they did so but still put a hold on all money we have charged. I ALSO paid {$9000.00} ( total of {$15000.00} ) so that we would have full use of our XXXX account. They STILL are holding our money ( about {$30000.00} ) and say that now we are over our " limit of charges '' this month. Now mind you we are paying fees with EVERY charge AND they are getting interest on OUR money AND we have paid the {$15000.00} but still don't have use of our money. All charges are put on HOLD. Called again and was told that XXXX could up our " monthly limit '' charge because we had reached our {$59000.00} limit this month. These are the charges we have had XX/XX/2022 {$81000.00}, XX/XX/2022 {$90000.00} XX/XX/2022 {$85000.00}. Clearly there is not a limit on our account. We still don't have use of our money. Is XXXX going bankrupt so will be keeping our funds?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. While living overseas my passport was stolen and several accounts were opened in my name. I disputed this information directly with the bank and credit reporting agency and my name is still associated with these fraudulent accounts. I was told by the bank to call the bank and report the account as fraudulent and that I would receive an identity theft packet in the mail/email. This was about six months ago and I never heard anything after I called. XXXX is still reporting an account from XXXX XXXX XXXX which was not opened or used by me.
Product: Credit reporting or other personal consumer reports

I sent multiple dispute letters to Experian regarding multiple inaccuracies on my consumer report. Despite providing evidence, Experian has failed to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ). As a consumer, I have rights under the Fair Credit Reporting Act ( FCRA ) to ensure that my credit report is fair, accurate, and fully substantiated. The inaccurate information is negatively affecting my credit score, and I request immediate action to correct the errors. 

Specifically, I would like to bring to your attention the following items on my credit report, which are inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Under 15 U.S.C. 1681e ( b ), the credit reporting agency is required to follow reasonable procedures to ensure the maximum possible accuracy of the information reported. Based on my review of the report, it is clear that this standard has not been met.

Additionally, under 15 U.S.C. 1681i, I am requesting a reinvestigation of these inaccuracies. You are required to review and delete any information that is found to be inaccurate, incomplete, or unverifiable within 30 days. Please provide written confirmation of your findings once the investigation is complete.

Failure to comply with the FCRA in this matter could result in serious consequences. Non-compliance, including failure to correct or remove inaccurate information, can result in legal liability under 15 U.S.C. 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S.C. 1681o ( Ci
vil Liability for Negligent Noncompliance ), which could subject your agency to lawsuits, financial penalties, and responsibility for damages incurred by the consumer, including punitive damages, court costs, and attorney fees. 

Recently, I became aware of the lawsuit filed by the CFPB against Experian titled " CFPB Sues Experian for Sham Investigations of Credit Report Errors. '' According to the CFPB, Experian has failed to conduct proper investigations and has even reinserted errors on credit reports, which aligns with the issues I've been facing. Experian 's failure to comply with these laws has caused harm to my creditworthiness, limiting my access to credit, employment and housing opportunities. 

Please act promptly and ensure that these inaccuracies are resolved in compliance with the FCRA & the lawsuit that was filed against Experian. I expect to receive a response and resolution of these issues within the legally mandated time frame of 30 days. 

Sincerely, XXXX XXXX
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 USC 1681. 

Account XXXX XXXX : # XXXX, Account 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 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: Mortgage

I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( see attached ) stating that she was conducting thorough research to provide me with a response by XX/XX/XXXX, XXXX! With that, XXXX XXXX responded to CFPB, " XX/XX/XXXX - We've been unable to establish contact with our customer, XXXX XXXX. We'll need additional time to ensure we fully address all the concerns brought to our attention and provide a thorough response. We appreciate your patience as we finalize our research. 
My Comments : She reported to CFPB Case was closed and CFPB misreported my cell phone, ( now corrected ) but my email address was correct [ XXXX ]. She made no effort to contact me, even after I brought this to her attention. Since XXXX, the lies and delays in my request to refinance my loan, since my former wife personally declared bankruptcy started foreclosure by Wells Fargo, as explained in my original claim ( XXXX ). Lying is a systemic culture promoted, at Wells Fargo, NA. 
XX/XX/XXXX - Thank you for the opportunity to address your concerns about foreclosure and attempts to reach you. We were able to confirm XXXX XXXX  was the servicer at the time of foreclosure action on your property. For assistance with your concerns, please contact XXXX XXXX. Please be advised, we attempted to reach you by telephone as our goal is to connect with our customers if we are able, to ensure we best understand a customers concerns. Here are important details wed like you to know. We are not the servicer of your account. 
My Comments : I restate the above She reported to CFPB Case was closed and CFPB misreported my cell phone, ( now corrected ) but my email address was correct [ XXXX ]. She made no effort to contact me, even after I brought this to her attention. Since XXXX, the lies and delays in my request to refinance my loan, since my former wife personally declared bankruptcy started foreclosure by Wells Fargo, as explained in my original claim ( XXXX ). Lying is a systemic culture promoted, at Wells Fargo, NA. 
Further Comments : I provided, ( XXXX ) unequivocal proof from the Georgia Superior XXXX XXXX XXXX attached ) that Wells Fargo was the servicer and held the Mortgage Deed on my property located in XXXX, Georgia. I restate, Lying is a systemic culture promoted, at Wells Fargo, NA. Unilateral misleading, corrupt, and fraudulent actions by Wells Fargo, NA., have deprived me of equity in my property of {$370000.00} as listed today. ( See attached ) Lying is a systemic culture promoted, at Wells Fargo, NA. It has been proven by the latest court actions against, in the amount of XXXX XXXX to pay to its customers Wells Fargo, NA cheated them out of. 
Once again, I asked for a full of the Mortgage document disclosure. 
Wells Fargo attorneys name, so my attorney can provide a Notice of Pending and his/her Representation. 
To answer my question, is XXXX XXXX XXXX an attorney? 
To be compensated, XXXX XXXX XXXX XXXX the full amount as ordered by the court for mortgage fraudulent actions, that I have been deprived of by fraudulent foreclosure, and lastly my right to equity in my property at todays listing of {$650000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been non-compliant with removing the unverified account XXXX/XXXX   XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX/XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit card

On or about XXXX XX/XX/2024, I made a purchse from XXXX on XXXX with my American Express card using a combination of points and credit. I canceled the purchase with XXXX prior to it being shipped by the merchant, on or about XXXX XX/XX/2024. The product was shipped anyway, on or about XXXX XX/XX/2024. The purchased reached and was held at the XXXX distribution center on or about XXXX XX/XX/2024. 

On or about XXXX XX/XX/2024, I filed a dispute with American Express, who immediately placed my points and a credit back on my account. When XXXX disputed my charge back, American Express reversed the credit. I still have not received the unwanted item, nor a refund of my points and charged amount. 

XXXX said they could not refund with an active dispute, but American Express said that their refund would have closed an active charge back. American Express said XXXX was paid and the dispute closed. 

XXXX said it would reach out to the seller and resolve the issue by Friday XXXX, XX/XX/2024. On XXXX XX/XX/2024, the merchant refunded about {$240.00} of a {$720.00} charge. XXXX said they had no role except to reach out to merchant, but XXXX reached out to American Express. 

American Express is saying they have no role, but it was American Express who reversed the charge back at the request of XXXX without an investigation, which would have demonstrated the item was canceled and never received. If I never received the item, I should not owe the money. My points and charges should be reversed. 

XXXX, can not provide a partial refund, because they shipped an item after cancelation, also when there were no terms and conditions for such withholding of funds with a return written on the site.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to my credit union to apply for an auto loan and was approved with a high interest rate. I ask them why was my interest rate so high and they said because of my credit. Now I dont check my credit everyday but I know that my scores were above 700 and has been that way for the past 20 years. I went home and took a look at my credit on the XXXX XXXX thingy and I see several accounts on here that are not mine XXXX, XXXX XXXX XXXX, XXXX. I also see several student loans on there that are not mine. Now that really was the red flag because I didnt even graduate from high school so how is that possible. The last thing I see are lots of Inquires that are not mine XXXX-XXXX, XXXX XXXX  , XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX, XXXX/XXXX  XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX , XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX/XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX , XXXX XXXX XXXX. I also filed a complaint with the FTC and my police station here. I am doing this on my own and need someone help with this.