23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Dear Equifax, TransUnion, and Experian, I am writing to formally dispute and request the removal of fraudulent information from my credit reports. As a victim of identity theft pursuant to Section 605B of the Fair Credit Reporting Act ( FCRA ), all fraudulent accounts and inquiries must be removed promptly. 
The following fraudulent accounts and inquiries were opened or initiated in my name without my consent. I have attached supporting documentation, including a copy of my identity theft report for your reference. 
Fraudulent Accounts Found on My Credit Reports The following accounts were fraudulently opened in my name and must be removed immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Fraudulent Inquiries Found on My Credit Reports The following credit inquiries were made without my knowledge or approval and must also be removed : Creditor Name Date of Inquiry Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX  Equifax Request for Immediate Action Under Section 605B of the FCRA, you are required to block and remove all fraudulent information related to identity theft once proper notification and documentation are provided. Please : Remove all listed fraudulent accounts and inquiries from my credit reports. 
Send me a confirmation once the removal process is complete. 
Inform me of any additional steps or documentation required to expedite this process. 
Supporting Documentation I have enclosed the following documents for your review : A copy of my government-issued ID ( e.g., drivers license or passport ). 
A copy of my identity theft report filed with law enforcement. 
A copy of my proof of address ( e.g., utility bill or bank statement ). 
A copy of my credit reports highlighting the fraudulent accounts and inquiries. 
Contact Information Please do not hesitate to contact me directly if further information or clarification is needed. I can be reached at ( XXXX ) XXXX ] or [ XXXX ]. I look forward to a prompt resolution to this matter. 
Thank you for your immediate attention to this issue. 

IVE ALSO ATTACHED MY XXXX REPORT SHOW THE FRAUDULENT INFORMATION REMOVED FROM THE INVESTIGATION DONE BY THIS CREDIT BUREAUS.
Product: Debt collection

I obtained what was supposed to be an installmant loan through speedy cash on XX/XX/2017 for a total of XXXX dollars due to hardship. From my understanding they added about XXXX dollars worth of interest onto the loan and i would have over a certain amount to pay the loan back as you i have with previosly obtained and paid loans. I began paying the loan back in payments of XXXX every other week from XX/XX/2017 untill XX/XX/2017 so a total of 11 payments of the XXXX, so over XXXX XXXX dollars worth of payments overtime. About half way through i had logged intospeedy cash to see what my exact balance was and to my suprise it was exactly the same amount as the loan i had recieved despite all of the payments i had made towards the account. I called speedy cash to ask them what was the deal with the account balance and how it hadnt decreased even with all of the money i had already paid. They then told me that the only way i was going to be able to pay the loan off entirely was to pay the interest, as well as the entire amount that i had borrowed initially. I made sure to tell her i didnt sign up for a payday loan and that i signed for an installmeent loan, something that i could pay back over time because of the tremendous hardship i had been facing. They then told me that i had no other option but to just pay it off. I kept making payments every other week untill XXXX and my account indeed still remained the same amount, if not more by the next time i made a payment. So finally i sent them an email statiting that i was not going to pay them anymore due to the fact that i had already paid the loan in full three times over, and that i did not ever sign for a payday loan. I knew it could not be interest compiling that fast within teo weeks due to Texas legal laws in place. As of last month speedy cash has had a collection agency ( XXXX XXXX XXXX XXXX ) flag my credit, bringing my score down tremendously. They show that i obtained the loan in XXXX of this year ( which is false information ) and that i have only made one payment ever with the account ( which is also false ) i have sent in bank statements, i have sent payment confirmation reciepts via fax from my email, but the company persists on leaving the falsified information on my credit account as if it were truely an installment loan i just defaulted on, and did not pay them for when its not true. They refuse to remove it unless i pay them an additional XXXX dollars.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX Jefferson Capital System LLC XXXX XXXX XXXX XXXX IL XXXX Subject : Cease and Desist from Unwanted Call Dear Jefferson Capital System LLC I am writing to formally request that you cease and desist from calling me regarding my alleged debt. Despite my previous requests to stop these communications, you continue to contact me at XXXX These calls are unwanted and disruptive. If you do not cease all communication within 10 days ( XX/XX/year> ) l will report your actions to the appropriate credit bureaus and may pursue legal action for harassment.

I expect your immediate compliance with this request.

Code 15 U S C 1692 ( c ) Sincerely, XXXX XXXX
Product: Debt collection

I called on XX/XX/18 to get info on a debt from my credit report. I told them the amount was incorrect and asked how I could fix it. She said I could only settle the amount.That she has documentation to prove its correct. I said I have documentation showing its not correct and would like it fixed. She still said only option is to settle. I then asked if she could send me info on the interest the company is charging me and she said no. She said I can XXXX it and its my problem they dont have to send me any of the information Im requesting. Very rude lady and didnt not want to help me at all to get this debt resolved.
Product: Debt collection

These accounts are not mine. Please provide proof that these were opened by me
Product: Credit card or prepaid card

I lost my credit card, I called the credit card company to report that I lost it and close the account few days later I noticed that was a purchase was made on this card the company send me email to sign to my account to pay my bill, I called again and I report a fraud on this account they told me they going to open investigation and will take 60 days to review and make a decision, 10 days later I received a bill for the amount plus late fees plus interest, I called them again to find out why they charge me they said the investigation was closed after 48 hours from the date that I reported the furad and I have to pay other wise evry month is going to be more late fees and interest. Please I need help
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims properly. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Money transfer, virtual currency, or money service

I first signed up for Cash App in order obtain a convenient and free service in order to make personal transactions easier. After signing up, I had a cash card sent and later the same was stolen from my possession. To make matters worse, the phone number I had originally used was no longer in service. The requirement of a two-factor authorization left me without a leg to stand on when attempting to log in to my account. Over the next couple of years, I periodically received requests for transfers from an individual I did not know. I thought nothing of it until I realized that the same had renamed, reprofiled and repossessed my account. Possibly using my own name as their own, this individual was successful in completing taking hold of my account. I tried numerous times to retrieve the same, only to be halted by automated phone systems and less than satisfactory email messages. I could not for the life of me get a human on the phone.
Product: Credit card or prepaid card

I dispuited several charges on this card for merchandise that was purchased but returned to the merchant proper documentation was provided to Apple card showing the merchandise was returned to the merchant. I was told on Thursday XX/XX/XXXX that the dispuites were all ruled in my favor and I would be getting credit for them. I was to recive an e mail from Apple card spport. But never did. The charges are as follows. 

{$290.00} tracking was sent via e mail to them. I called in again on XX/XX/XXXX and reopened the dispuite. were delivered to the Customer on XX/XX/2023, and the Customer has not provided the Merchant with the returned tracking information. As a result, the Bank reversed the temporary credits. The Bank sent the Customer emails detailing the dispute outcome. The transaction with the Merchant Home Depot in the amount of {$110.00} again tracking provided to Apple card support and as of XX/XX/XXXX was told that this was ruled in my favor. {$340.00}, {$78.00}, {$35.00}, and XXXX I will not pay for merchandise that I returned to the merchant if appleccard refuses to get this matter resolved I will be forced to get a lawyer. This is nonsense they don't know what they are doing. All information was provided to apple card
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed few fraudulent accounts with the credit bureaus and provided documents and they havent blocked/removed any items off my credit reports and denied all my disputes and I called credit bureaus and they wouldnt assist me of removing these fraudulent accounts Such as XXXX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  And the inquiries to I would need some assistance of removing these fraudulent accounts
Product: Credit reporting or other personal consumer reports

Im absolutely frustrated to find that a tradeline on my credit report is not reported with the maximum possible accuracy. This is a serious issue, and its completely unacceptable that my credit is being impacted by incorrect or incomplete information.
Product: Debt collection

On XX/XX/XXXX i proceeded to finally book a vacation package for my family. I can not afford it up front so i saw i could do " Monthly payments '' upon checking out on XXXX app. I was searching for days and my travellers ' names were all correct on XXXX and XXXX. 
However this site took me to Affirm ( the company to loan me the trip ) site to complete booking. I was never diverted to a page from Affirm to check my package before they said it's booked. I am careful so i immediately called XXXX to correct the last name of my stepdad. XXXX XXXX should be XXXX XXXX. I booked at XXXX. and by XXXX up to XXXXXXXX XXXX i was on the phone with agents. 
XXXX told me to call the airlines. I called XXXX ( who would take us to XXXX, and XXXX XXXX for our return ). Both airlines said XXXX needed to change it. One agent at XXXX XXXX said " i know exactly what is happening, don't let them get away with it ''! No joke. 
Not to mention my whole package processed by XXXX has the wrong name. I called them back to tell them the airlines can not. They insisted they would not change it and my only option is to cancel the flights. At the same moment i'm telling them i can not afford to pay for flights and can not find matching around the hotel and activities. 
They cancelled everything and said they would contact the hotel at XXXX to send them a message to make an " exception '' for me. 
I called the hotel at XXXX my time in XXXX. They said XXXX needed to send an email. So i called XXXX to send the email and gave them the hotel 's email address. 
By this time i'm also alerting Affirm. But their site wouldn't allow a dispute until the loan is approved. It took 3 days as the site showed " XXXX loan is processing ''. I don't know and have no way to know what XXXX sent Affirm. 
XXXX sent an email saying they will refund Affirm only a portion. 
Affirm is now telling me i owe them FOR NOTHING!!! 
THIS IS BLATANT FRAUD. STEALING. 
I finally fixed my credit enough to buy a house XXXX  for me and my little girl and now i will be ruined. I have no vacation. It was only going to be 4 days but i thought it would have been worth it since my parents never had a vacation like that ever! 
Please help... i was tricked and i never got a chance to fix their mistake and i was even told the transaction is VOID but they are still saying i owe. 
XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Affirm- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On/or about XX/XX/XXXX I sent a certified dispute, to Equifax concerning the furnisher ( Court ) of information as to a Public Record relating to Bankruptcy-Chapter XXXX in their files maintained under my social security number. ( See Dispute letter attached dated XX/XX/XXXX ) Equifax responded to dispute with letter dated XX/XX/XXXX, stating The information you disputed has been verified. However, the information I disputed was name of court that furnished information, as per their entry in credit report file maintained under my social security number. ( see  attached results of Equifax reinvestigation and excerpt from XXXX XXXX Equifax credit report dated XX/XX/XXXX ) Prior to receiving Equifax result, claimant requested information from Court ( U.S. Bankruptcy Court XXXX XXXX of Illinois ). They unequivocally via letter dated XX/XX/XXXX state The bankruptcy court does not perform any activity with the credit bureaus. ( see letter attached Page-2 ) Last, but not least they have reported in their letter result of reinvestigation dated XX/XX/XXXX that they obtained the information concerning court bankruptcy from XXXX XXXX XXXX, another consumer reporting agency. ( see attached Equifax Report dated XX/XX/XXXX, page-3 ) Further, I place a security freeze on accounts with XXXX XX/XX/2018, They are not listed as the Furnisher of this court bankruptcy, under my social security number with Equifax, in the credit reports I receive from them. That is to say Equifax has erroneously listed U.S. Bankruptcy Court for The XXXX XXXX of Illinois as the Furnisher of this information. ( see attached security freeze letter from XXXX dated XX/XX/XXXX ) Wherefore, I am requesting deletion of these listings because the court did not report this information to them as mentioned above and any other listings under my social security number in credit report of which this entry is referred to as per the applicable Fair Credit Reporting Act, due process and equal protection of the law.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$4500.00} These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Mortgage

This is my 2nd attempt to have the company remove the PMI from my loan payment. On their website, it reflects that my loan-to-value is at XXXX  %, way below the guidelines, but they are saying that they are determining that the current loan-to-value is at XXXX  %. I don't understand where they are getting their information from. I have asked to speak to the PMI department, and they claim they don't have such department. So who is making those decisions? Help, please. I am just a number for them. 
They find different reasons not to remove it.
Product: Credit card or prepaid card

on XX/XX/2021 I received an email " stating Important Message from XXXX  DEBIT CARD : Dear User, this is to inform thatn your XXXX Debit card has been restricted. To get the restriction lifted, kindly verify at XXXX XXXX  XXXX. So I clicked on the email address, it looked like a Bank of America web site. But it asked me for my account number and password. I thought something was wrong because I don't have a B of A account. So I immediately closed the web sit page. I did reply to this email and stated I don't have an account with B of A. they never responded to my email. Then on XX/XX/2021 I went to purchase some gas. I used my XXXX  DEBIT CARD. it was declined. I knew something was wrong so I called customer service at XXXX and spoke with someone regarding my card being declined. I was told my account had a XXXX  balance. I explained to the rep. that something was wrong because I should have had {$520.00} in my account. I'm on XXXX XXXX. So I told the rep. that I would call back once I reached home, so I could tell them exactly when and how funds were deposited into my XXXX account. When I called back XXXX I explained to the rep. about the email I had received on XX/XX/2021 she stated that the email was a fraudulent email and that they had been receiving numerous calls about the same thing. I explained to her that I didn't give any of my personal information out. So she closed my card associated with the fraud. And reissued me another card. So the rep. explained that there were numerous charges on my card to XXXX. the crooks used all my funds and left me with {$15.00}. So the rep. advised me to wait and call back to Customer Service XXXX on XXXX and file a complaint and dispute all the charges made to XXXX. So I filed a fraud dispute claim on XXXX. I'm supposed to hear from B of A within 10 days. As of XXXX I haven't heard from B of A.. I'm on XXXX XXXX and I have to pay my bills. I feel like Bank of America should have given me my funds back through what they have called " Provisional Credit ' they can continue to dispute the fraudulent charges claim. I'm so disappointed with Bank of America for handling my situation this way. I'm going to contact XXXX as well. Can someone please help me get my money back.
Product: Debt collection

Bank of America seeks to enforce a debt which is non-existent, not based on a final judgment, and beyond the California Statute of Limitations of four years for a contract debt. 

The debt collection is barred by the statute of limitations and enforcement is illegal. 

Researching the matter required the use of a California Licensed Investigator which resulted in a cost to me of {$1000.00}.
Product: Mortgage

I have purchased my home back in XXXX XXXX with IndyMac mortgage. I received an unfair high interest rate that was adjustable .Due to the XXXX recession, I requested a loan modification which was declined.
Product: Mortgage

There is a foreclosure case pending against me and a trial set for XX/XX/year>. I initially submitted an application for loan modification at the end of XX/XX/year>. I have shown sufficient income that I can afford the mortgage payment. The loan servicer is Mr Cooper. I have received repeated requests for the same information about profit and loss statements from the servicer, have timely responded to the servicer 's requests and there still has been no decision on the loan modification application. I fear that the servicer is stalling and simply waiting to deny my application until right before the trial? Further, I have requested that the trial be continued based on the pending loss mitigation as provided by the CFPB Regulations XXXX 12 CFR 1024.41 ( g ) and Plaintiff is refusing to continue the trial.
Product: Debt collection

THE COMPANY, PORTFOLIO RECOVERY ASSOCIATES, PURCHASED A BAD DEBT FROM ANOTHER COMPANY THAT REPORTED THE DEBT AS A " CHARGE-OFF '' ORIGINALLY ON MY CREDIT REPORT. THIS MEANS THE ORIGINAL COMPANY THAT PORTFOLIO RECOVERY ASSOCIATES PURCHASED THIS ALLEGED BAD DEBT FROM, WROTE IT OFF AS A LOSS ON THEIR TAXES FOR THE YEAR XXXX. WHEN PORTFOLIO RECOVERY ASSOCIATES PURCHASED THE ALLEGED BAD DEBT, THEY MADE AN INVESTMENT ROOTED IN FRAUD BECAUSE I WAS NOT MADE AWARE THAT MY PERSONAL INFORMATION WAS BEING SOLD OR SHARED. I HAD NO INVOLVEMENT WHAT SO EVER IN SAID TRANSACTION. THIS IS AGGREVATED IDENTITY THEFT ACCORDING TO 18 USC 1028A.

According to 15 USC 3002, I am a natural person which means my name in all caps is not me. My name is XXXX XXXX. Pursuant to 15 USC 1692 ( a ) 1 the term " Bureau '' is defined as the Consumer Financial Protection Bureau ; therefore XXXX, XXXX, and XXXX are assuming this role and are only credit reporting agencies. They are only credit reporting agencies that assumed the role of collecting, selling, and sharing information without my written consent. 

On XX/XX/XXXX, Congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. Which mentions the following " ... ..every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts, is unconstitutional. '' PORTFOLIO RECOVERY ASSOCIATES is in direct violation of 15 USC 1692e which states A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Debt is defined as any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment according to 15 USC 1692a ( 5 ).

According to 15 USC 1692k will be held civilly liable for violation of my consumer rights, I am seeking compensation for damages or litigation will be pursued. I have proof of claim from a prior complaint response from PRA admitting to their crimes of buying my debt and admitting to sharing my information.