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

My name is XXXX XXXX, and I am writing to dispute numerous fraudulent entries on my credit report that I believe are the result of identity theft. I have attached my Identity Theft Report filed with the FTC for your reference. I have disputed before and received a generic response that it was validated and when I requested proof of the validation they never sent anything I said proof or delete and they did neither I was affected by the Equifax data Breach and my information in XXXX and I also submitted proof of that. I am a victim and need you to help me please. 

The following accounts and inquiries do not belong to me and should be removed from my credit file : 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 XXXXAddress Associated with Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX I have never worked for or applied to the following businesses, and they have confirmed that they have no record of me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 - Opened : XX/XX/XXXX, Balance : {$160.00} XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX - Opened : XX/XX/XXXX, Balance : {$260.00} XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX, Balance : {$530.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXXXXXX XXXX XXXX  Opened : XX/XX/XXXX, Balance : {$510.00} XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX  - XXXX XXXX XXXX - Opened : XX/XX/XXXX, Balance : {$170.00} XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX - XXXX XXXX - Opened : XX/XX/XXXX, Balance : {$510.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19 I sent out a validation dispute to EXPERIAN, XXXX  XXXX XXXX for a collection account from XXXX DEPARTMENT XXXX XXXX XXXX. XXXX XXXX XXXX  EACH HAVE INVESTIGATED THIS ACCOUNT & REMOVED IT. EXPERIAN sent me a letter refusing to investigate this account AGAIN, unless i sent them further information to warrant the re-investigation for VALIDATION of this account. The only problem is I NEVER SENT OUT A PREVIOUS VALIDATION REQUEST!!! There was only XXXX validation request & that was on XX/XX/19. Therefore I am not understanding why they would not INVESTIGATE ( XXXX XXXX FED XXXX XXXX XXXX account. 

Thank You
Product: Debt collection

The debt collection agency listed below continues to contact consumer after being told to 'cease ' contact : D & A Services , LLC . 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IL XXXXToll Free : XXXXXXXXFax : XXXXXXXXE-mail : XXXXXXXXCollections : XXXXXXXXSales Contact : XXXXXXXXSales Email : XXXXXXXXComplaint Resolution : XXXXXXXXXXXX XXXX, TXToll Free : XXXXXXXXEmail : XXXXXXXXThe debt collection agency continues to contact consumer ( acct # : XXXX - XXXX XXXX XXXX ) who disputes owing the collection agency a debt. The consumer continues to receive letters from the aforementioned debt collection agency after notifying the agency ( in writing ) to cease and desist contact. Consumer wishes D & A Services to 'cease ' all contact with consumer by mail and/or telephone after receipt of this dispute notification. Consumer does not owe a dept to D & A Services. Consumer has no fiduciary, contractual obligation to pay D & A Services anything. There is no payment history, nor products, or services that has been rendered to D & A Services because these elements do not exist ; there is a failure of consideration and no valid agreement, contract or fiduciary obligation under federal law that requires payment to XXXX-party debt collectors. Furthermore, consumer 's sole income is Social Security XXXX income which is federally protected income under Section 207 [ 42 U.S.C. 407 ] ( a ) of the Social Security Act, ( SSA ). Consumer is head-of-household and possesses no property of value. Consumer refuses to be a victim of 'unjust enrichment, fraud or extortion '. Consumer wishes to thank the Consumer Financial Protection Bureau ( cfpb ) for providing a venue of mediation, documentation and governorship over debt collection agencies that are under the jurisdiction of the Federal Trades Commission ( FTC ) and the Fair Debt Collection Practices Act ( " FDCPA '' ). Again, thank you.
Product: Mortgage

My home financing at XXXX XXXX XXXX XXXX, XXXX, NY XXXX is owned by XXXX XXXX  and Serviced by Ocwen Servicing. It then bought PHH Mortgage. The loan was serviced by Ocwen and agreed to modify the loan in XXXX. I paid the initial payments for one year until Ocwen, using clerks not in this country who did not know anything about the loan began misapplying payments, losing them, and sending me default notices until I finally gave up -- hoping that Ocwen would finally take notice and work out the problems. Instead they just started a foreclosure. 
So, in XXXX I again modified the loan. However, I agreed to make the trial payments with the understanding that they would adjust the loan amount and huge balloon ( {$800000.00} AFTER paying for 20 years ) once I obtain a NY Licensed appraisal. They simply charged me {>= $1,000,000} for a house worth {$800000.00} with an additional {$800000.00} balloon. They refused to correct what was owed as promised. So, they then sued me because I refused to pay 50 percent more than the house was worth. 
They have two sets of lawyers and a corrupt judge ( one who was appointed by a now XXXX  XXXX. and have a Judgment of Forcclosure. 
Ocwen has been sued by you for {$200.00} million for consumer fraud and they are back at it again using PHH Mortgage which they bought to sheild themselves for doing exactly what they were doing before. Screwing homeowners. 
THIS is another XXXX XXXX. XXXX XXXX, written about in XXXX XXXX ( XXXX XXXX ) is at it again as it was with MortgageIt when it settle with the Justice Department. 
Please bring them to the table and sanction them as Rohit Chopra has for $ XXXX to stop them. 
While I transferred by title to my wife, and have agreed to simply transfer it back, they are trying to take out house and destroy our family. 
I contracted Multiple Myeloma from the XXXX XXXX attack as well as atrial fibrillation and was unable to work or find a job. This had no affact upon Ocwen, PHH or XXXX XXXX and the attorneys whom I asked, as pro se since I can not afford an attorney, to modify my loan.
Product: Prepaid card

I purchased an IPod from XXXX online. While the transaction went through, I tracked my order on line after I got a message that read order cancelled. I contacted Ace/elite Net spend and a Customer representative informed me that the " money was still there '' but had been frozen after a few days of the transaction and referred me back to XXXX. When I contacted XXXX they reported they could not 'pull their money. Again XXXX asked me to go back to Ace/Elite Netspend and a Clerk advised me to get back to XXXX and requests XXXX makes a Request in Writing!!! XXXX this time, I felt Netspend is playing games with my money and I request my money, but I am being shuffled around. 
I am demanding my funds effectively immediately.
Product: Debt collection

To whom this may concern : I reached out to the credit reporting agencies XXXX and XXXX, to update my personal information as well as validate information that is being reflected on my credit report as a collection. the specific account ( s ) are as follows XXXX : 1 ) rent recovery, for the amount of {$2000.00}. 

XXXX 1 ) prince and parker, for the amount of {$150.00}. 
2 ) rent recovery, for the amount of {$2000.00}. 

I sent a letter showing proof to update my personal information with both bureaus. I also asked that they validate the accounts on my reports. I sent in that request via letter on XXXX XXXX XXXX I still have not received any mail nor email from either bureaus. According to the the FCRA, the bureaus should respond back to me within a 30 day time frame. I am asking kindly that you all help me with coming to a solution.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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, states a consumer reporting agency can not furnish an account without my written furnish an 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 and crimes which antedates the report by 7 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

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
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, credit repair services, or other personal consumer reports

Back in XXXX, I applied for a deferral on our 2nd mortgage ( HELOC ) due to being out of work and having no money coming in. Prior to XXXX, our account was current and had no late payments that would affect our credit. I was unable to make payments for XXXX, XXXX, and XXXX. I brought our account current and paid the 3 months of deferral in full. When looking into refinancing our home in early XXXX, we noticed our credit has dropped when looking at our credit on XXXX and XXXX XXXX XXXX showed that we had missed payments during our requested deferral period. I called XXXX XXXX XXXX in mid XXXX to find out why. They told me that my account was current and didn't see any deferral or late charges. After explaining what we were seeing on the XXXX XXXX app, and that we were confused why missed payments would be reported to the credit bureau while in a deferral when we were told a deferral would not affect our credit is when we were concerned and why I was calling. I was transferred to different departments, and at times disconnected. Eventually, I was told we had a case manager by the name of XXXX XXXX. When trying to contact him to hopefully get answers, no one had heard of him or knew who he was so I was never put in contact with him. I finally talked to someone who was unable to find anything to show that I put in a deferment request and she told me I was not the only person this happened to. She suggested I request a letter to state that we are in good standing. I did so and we were denied and said that we could appeal it with a written letter. I wrote a letter to appeal it and have not heard anything back and it has been almost 3 weeks since sending that letter.
Product: Credit card

I 've had an AmEX CC for seven years, paid my balance in full every month without exception ( and have a perfect credit score ). Between XX/XX/XXXX and XX/XX/XXXX. and after receiving a new, I was told, " higher security '' card, I was forced to call AmEx in sum seven times because my " new '' card was repeatedly " declined. '' On XX/XX/XXXX I cut the new card into XXXX pieces and mailed to AmEx CEO XXXX XXXX ( my 2nd letter to him, my first sent XX/XX/XXXX ). I have to believe this meets the definition of deception, i.e., they made it impossible for me to use my card to conduct a legitimate business/make a legitimate business purchase. My wife 's theory is since I pay no annual fee & again pay my balance in full monthly they were not making any money from me.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, 15 USC 1681 e ( b ) 15 usc 1681 i ( 5 ) 15 usc 1692 c ( c ). Account name : XXXX XXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXXXXXX 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 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.

15 USC 1681 e ( b ) 15 usc 1681 i ( 5 ) 15 usc 1692 c ( c ) Account Name : XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX # XXXX
Product: Checking or savings account

I closed an account with BMO over a year and a half ago. The bank kept the account open and is charging me overdraft fees every month.
Product: Vehicle loan or lease

I've been trying to make payments on my car, the car dealership who financed me isn't allowing me to do so causing interest to accumulate. I have also been getting charged {$90.00} added to my account for not having full coverage insurance when I do have full coverage insurance.So During this process my car was stolen and now the dealership won't even return my calls after I reported it stolen they made it clear they were going after the insurance check. The company auto now financial is responsible.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries.

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 card

It all started with somebody calling me from Citi Bank Fraud Dept. asking if I requested a {$5000.00} + transfer on my Citi Credit Card XXXX I said No. I checked my online credit card account & found a fraud charge on my Citi Card XXXX. They proceeded in cancelling XXXX XXXX & issuing a replacement Card of which I still have not received. Then they started in all my other accounts including non Citi Bank Accounts. They Changed passwords to my Chase Freedom card, XXXX XXXX XXXX, & my Citi Bank XXXX account. 

Have fixed the XXXX XXXX XXXX XXXX XXXX accounts. In the attempt to correct Citi XXXX I was locked out of my Citi online that I was able to review Citi accts XXXX & XXXX. I got Citi Bank tech support to get me into my Online account to find out that XXXX had been eliminated & {$900.00} + in fraudulent charges on my XXXX account. As of now I call Citi Bank no on the back of card XXXX the say they can not do anything unless I give them a reference No & forward me to the fraud dept & then the fraud charges build up on card XXXX & the fraud dept no keeps calling. The No they use is XXXX XXXX XXXX which does not belong to anybody. they would call 10 to 15 times one after another or change the NO. they call my on today is XX/XX/XXXX & this started XX/XX/XXXX
Product: Credit card

I am being denied access to my own securities by American Express. my application has not been retracted and will be securitized if it already hasnt been by American Express for profitable gain constituting identity theft and securities fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX complaint is not made in error neither is it being made by a third party.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 file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 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. All is being investigated by the FTC.
Product: Credit reporting or other personal consumer reports

WESTLAKE FINANCIAL SERVICES XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Account - WESTLAKE FINANCIAL SERVICES Dear Sir or Madam, I am writing to dispute the following account reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request verification of any inaccurate information on my credit report. 

Creditor Name : WESTLAKE FINANCIAL SERVICES Account Number : XXXX Reported Status : Charge-Off Reported Balance : {$8900.00} I do not recognize the accuracy of this information and demand a full verification. If you can not provide sufficient documentation validating this account, you are required to remove it from my credit report immediately. 

Attached are copies of my credit report highlighting the disputed account and a copy of my identification. I expect a response within 30 days per federal law.
Product: Money transfer, virtual currency, or money service

PayPal shut down my account and told me I could have my money back in 180 days. On XX/XX/2020 PayPal took the money out of my account and sent it to themselves. When I called on XX/XX/2020 I was told that I could not have my money. They would not tell me why they kept it even though I asked numerous times. I am owed {$820.00} by PayPal as the 180 day period is over.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accordance with the Fair Credit Reporting Act.List of accounts below has viollated my federally protected consumer right to privacy and c

onfidentiality under 15 USC 1681. section 602A 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 instruction 1.XXXX XXXXXXXX  ACCOUNT # XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX .ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX ACCOUNT # XXXX XXXX OF XXXX # XXXX XXXX  # XXXX XXXX # XXXX
Product: Debt collection

I looked at my credit profile to realize that a fraudulent collection account had been added to my credit profile. One, the agency never notified me by mail for verification per FCRA laws. Second, they didn't verify the debt. I do not owe the debt to XXXX Hospital nor to this creditor. 

The FDCPA gives consumers the right to have the following information in writing within five days of the initial communication from a debt collector : The amount of the debt.The name of the creditor to whom the debt is owed.A statement that, unless the consumer disputes the validity of the debt, or any portion thereof, within 30 days after receiving the notice, the debt will be assumed to be valid by the debt collector.A statement that, if the consumer notifies the debt collector in writing within the 30-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer. The debt collector must mail a copy of this verification or judgment to the consumer.A statement that, upon the consumers written request within the 30-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 

I didn't not recieve this. That is a direct violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX have 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of fraud back in XX/XX/XXXX. I had just XXXX XXXX XXXX and had multiple accounts for utilities and cell phones that did not belong to me. The person was using my social but not my correct date of birth. I went to the police dept. and was advised to contact the credit companies. Without a name or any information on the person doing it there was nothing they could do. In XX/XX/XXXX I ran into the same problem when I got a call from a bank after someone opened an account online with my information. I have been going back and forth with the credit berues since XX/XX/XXXX. THERE SHOULD ONLY BE XXXX ADDRESS ON MY CREDIT REPORT. HOME ADDRESS WHICH I ATTATCHED A COPY OF MY DRIVERS LICENCE AND MY HUSBANDS ADDRESS WHICH IS THE XXXX XXXX ADDRESS XXXX MO XXXX. ALL OTHER ADDRESS DO NOT AND HAVE NEVER BELONGED TO ME