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

I have been a victim of several identity Thefts : IRS, XXXX XXXX XXXX, Capital One, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX for XXXX, XXXX, I was incarcerated and placed on XXXX XXXX from XX/XX/XXXX XXXX XX/XX/2019. I did not have possession of any XXXX at that time. 
According to the Fair Debt Collection ActXXXX XXXX, Fair Credit a reporting Act. The following statutes are to be followed. These Statutes are subject but not limited to 605b. Which state that the Credit Reporting Agency MUST DELETE ANY INFORMATION WHEN IDENTITY THEFT HAS BEEN BROUGHT FORTH. After several documents going back and forth from me and Capital One they sent me a letter Dated XX/XX/XXXX stating the following the application was taken over the phone or on the internet and therefore do not have any documentation to give you.
Product: Debt collection

In XX/XX/XXXX, I left for a trip to XXXX. Prior to leaving, I called XXXX and asked that my service be temporarily suspended until I returned. This was agreed to, that my service would be suspended and that I would not be charged. I returned in XX/XX/XXXX and called XXXX to restart service. I also received bills from them in the meantime. Both on the phone and through the bills, I verified that I had a {$0.00} balance. I requested to restart my service and it was. 

The next bill I received was very high. I was charged for the time I was gone, for breaking my contract, and a service fee to restart service. I called to dispute this and through a series of phone calls, it was agreed by more than one representative that I was in the right. But the charges were never taken off the account. I called repeatedly and each time I was told that this would be fixed and each time it was not. As a last resort, I wrote on the XXXX community forums what had happened. I was contacted by a XXXX representative and told this this would be fixed but it never was. So I stopped using XXXX and moved on to a different service provider.
Product: Debt collection

Back in XXXX, I had a judgement filed against me on XX/XX/XXXX. I did not receive notice of this court date or where to appear. In regards of me not appearing to a court date that I had no knowledge of, a judgement was entered in the amount of {$1700.00} ( Cause No. XXXX XXXX by XXXX XXXX XXXX XXXX  on the behalf of Midland Funding XXXX LLC. This judgement was placed on my Business Credit of XXXX XXXX  as a Lien and on my Personal Credit Report as a judgment, Herein, this has been updated as of XX/XX/XXXX. 

I have tried to dispute this several times off of my Business Credit report. It was disputed off of my personal credit. 

However, I have recently researched that Midland Funding, LLC is not licensed in the State of Mississippi.
Product: Debt collection

On XX/XX/2021, {$1700.00} was request from Discover Bank. According to article 15 USC 1681 ( b ) I never gave authorization or approval from this company to report anything on my consumer report. 15 USC 1692 ( g ) Me being the only original creditor, I am the only one that can validate a debt and I have asked for all of the document 's multiple times. Your bureau is unable to provide any documentation and I will continue pointing out violations. According to 15 USC 1692 ( k ) Except as otherwise provided by this section, any debt collector who fails to comply with any provisions of this subchapter with respect to any person is liable to such person in an amount equal to the sum ot-in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} I want this removed off of my consumer report as I was unaware of the fraudulent activity taken place at the time, however now that I knowledgeable that I am the only original creditor and you guys have been credited. This is violating my privacy and I demand this be taken immediately according to 15 USC 1681 ( a ) lt is my god given birth right to privacy and act accordingly.
Product: Debt collection

They call and I have told them I do not owe them any money and to stop calling me. They are also blocked on my end to stop them. They change their number over and over again and keep calling with the same message : Hi I'm reaching out to you today from Dynamic Recovery Solutions a debt collector. Please give me a call back when you do receive this message. My number is XXXX I would appreciate a call back today if possible. Again our toll free number is XXXX. I do appreciate your cooperation you have a great day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and fraud in XXXX of 2017. A police report was filed with the XXXX XXXX XXXX Police Department. As a result of this identity theft/fraud, XXXX  XXXX XXXX closed my account and confiscated all the money that I had available in both my checking and savings account. In conclusion, I am asking kindly that this fraudulent information be removed from Early Warning Consumer Report. I am looking to open future bank accounts and these fraudulent and inaccurate information that is being reported on my consumer report is causing me issues. 
Early Warning is the only consumer reporting agency that had not accepted my FTC report and Police report, while XXXX  and the others have already verified that their information was inaccurate and they removed the negative accounts from my consumer reports.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a delinquent account reported by XXXX XXXX XXXXXXXX XXXX XXXX XXXX that I believe is fraudulent and does not belong to me. The details of the account in question are as follows : * Account Number : [ XXXX ] * Creditor : XXXX XXXX XXXX XXXX Reported Amount : [ {$19000.00} ] Background Information I would like to clarify that I have never entered into any contract or agreement with XXXX XXXX XXXX. The account was originally financed through an in-house finance lender, and I have no knowledge or documentation indicating any transfer of this account to XXXX 
Upon reviewing my credit report, I found this account listed as delinquent, which has negatively impacted my credit score and overall financial standing. I firmly believe that this entry is erroneous due to the following reasons : 1. Lack of Contractual Agreement : I have not signed any contract with XXXX XXXXor authorized them to manage or collect on any debt related to my name. 
2. Original Lender Information : My records indicate that the original financing was conducted through an in-house lender, and there has been no communication regarding a transfer of this debt to XXXX 
3. Fraudulent Activity : Given that I did not authorize any dealings with XXXX, it raises concerns about potential identity theft or fraudulent activity associated with my personal information.
Product: Mortgage

XXXX XXXX XXXX. XXXX XXXX XXXX thx XXXX XXXX Loan XXXX Continue harass my family with threats of foreclosure.

Every year they harass me about flood insurance and policys This year they harass me about annual occupancy certificates.

Even though Ive never received any communication from them they threaten to foreclose on my property for failing to fill out a form that Ive never received.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed inquiries on my credit report to XXXX, experian and XXXX XXXX in regards to unauthorized inquiries. I have been contacting each of the companies since XX/XX/2019 to no resolve. I received letters staying that my request are frivolous. 
This is causing me and my family great hardship in the current crisis. I am a XXXX veteran trying to use my VA benefits to obtain a mortgage. With all the inquiries on my reports, makes it impossible to get an approval with a great rate and less money towards upfront fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed multiple disputes with XXXX, XXXX, and XXXX in XX/XX/XXXX and XX/XX/XXXX each disputed was responded to with results verified. I then sent in dispute letters requesting how the late payments were verified and received no response. Each bureau is reporting a 90 day late payment for XX/XX/XXXX on all XXXX of my nelnet accounts and I was never late. 
Each bureau is also reporting multiple late payments for my XXXX XXXX XXXX XXXX accounts. XXXX is showing a 60 day late payment for XX/XX/XXXX while XXXX and XXXX shows the payment was on-time and not late. 

In XXXX with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. These accounts are in violation of not reporting 100 % accurate.
Product: Checking or savings account

Ive constantly been charged a {$20.00} overdraft protection fee dating back to over a year ago through Navy Federal Credit Union! Ive reached out several times within the app asking to be reimbursed or shown some kind of mercy because it was excessive and getting out of hand but havent seen any changes
Product: Mortgage

I filed a bankruptcy in XXXX XXXX and it was Discharged in XXXX XXXX. Items are only supposed to remain on credit from 7 years after date of last payment, which is has been. This account should have fallen off of my credit report after XXXX XXXX, but it is still reporting on XXXX. Also, Seterus sent an update to my credit file in XXXX XXXX, which is against bankruptcy laws because they are further damaging my credit after my bankruptcy discharged. This is preventing me from obtaining financing and I have called Seterus to try and resolve this issue to no avail.
Product: Student loan

Currently they said they never received my application I just submitted another one as of today. The school closed never completed internship get false and misleading accusations fromacy school as well as no transfer or accredited classes.
Product: Checking or savings account

XXXX XXXX TO XX/XX/XXXX STARTING FROM SHUTTING ACCOUNTS DOWN/ZELLE TO CUTTING CREDIT CARD AND DEBIT CARD NEEDED FOR MEDICAL AND MENTAL SERIVCES AS WELL AS US PHONE AND ALL ACCOUNTS SHUT DOWN BY BofA. THEN, CUT OFF, IGNORED, DENIED AND DESTROYED. COVID TO CA FIRES TO ALREADY SENT IN COMPLAINT IN XX/XX/XXXX. LIFE THREATENING AND LIFE ENDING. 
Problem using a debit or ATM card ( unauthorized card use, fees, disputed transaction ) Funds not handled or disbursed as instructed Problem accessing account ( online or mobile access, receiving the periodic billing statement ) ALL : DESTROYED LIKE XXXX AND BOFA- YOU HEARD ME A THOUSAND TIMES AND DID NOT LISTEN OR CARE. CUT OFF AND DESTROYED. STOLEN AND LEFT TO XXXX. NO JOKE. THIS CLAIM WAS SENT BACK IN XXXX AT THE SAME TIME OF XXXX. 
Deposits and withdrawals ( access deposited funds, account freezes, garnishments, transaction holds ) Problem making or receiving payments ( bill pay, mobile or online payments, bank offsets, transaction holds ) Banking errors ( interest rate calculations, errors crediting account ) ARIZONA AND TEXAS ONLY : ALL CUSTOMER SERVICE/ALLEGED SUPERVISOR. 
DISCUSS ALL ISSUES WITH BofA. PRESERVATION LETTER AND DEMAND LETTER SENT. 
INTENTIONAL PAIN AND SUFFERING TO XXXX ELDERLY WOMAN WITH XXXX INTENTIONAL PAIN AND SUFFERING TO XXXX SENIOR MAN WITH XXXX  AND XXXX  and XXXX and now RIGHT-SIDE XXXX XXXX XXXX HEALTH AND LOSS OF LIFE AND WORK. 
INTENTIONAL HARM OR INTENTIONAL INFLICTION OF PAIN, HARM AND SUFFERING INTENTIONAL XXXX PERJURY DISCRIMINATION TO A XXXX ELDERLY WOMAN XXXX DISCRIMINATION TO A XXXX SENIOR MAN XXXX, XXXX, XXXX, XXXX XXXX XXXX LOSS OF WORK LOSS OF HOME DESTRUCTION OF DOCUMENTS WIRE FRAUD RECKLESS ENDANGERMENT THE LIST IS VERY LONG. 
THIS WAS FILED IN XX/XX/XXXX. 
ACCESS TO NEEDED AND FUNDS AND LOSS OF LIFE AND SO MUCH MORE DONE BY BofA AND BMO- THIS NEEDS TO BE DISCUSSED WITH ANY AND ALL CFPB AS IT WAS SENT BEFORE AND NOT ONE CFPB OR XXXX OR BOFA RECTIFIED THIS HORRIFIC AND LIFE THREATENING AND LIFE ENDING ISSUE. BofA and XXXX CALL CENTER- CRYING ON PHONE PLEADING AND PLEADING AS MY MEDICAL AND MENTAL CONDITIONS WERE DIRE. BOTH BANKS AT THE EXACT SAME TIME. MADE MY HEALTH AND CONDITION WORSE. FROM WHAT WAS sPTSD to XXXX AND XXXX AND XXXX XXXX XXXX TO THIS MOMENT AND FIGHTING AND FIGHTING FOR MY MONEY AND MY MOM 'S LIFE. ALL DESTROYED. ALL GONE. NOW. XXXX AND THE ELEPHANT IN THE ROOM. 2 OF THEM AND SO MUCH MORE. SO MUCH TO SAY. I AM A XXXX SENIOR FACING TOTAL LOSS OF LIFE AND DREAMS CRUSHED AND STOLEN FOR GREED. I JUST WANTED TO HOLD MY MOM BEFORE SHE DIED. HER ASHES ARE SOMEWHERE IN LA AT A CREMATION CENTER. NO MONEY TO PAY OR MONEY TO DO ONE SINGLE THING. FOUND 'DEAD ' ON THE GROUND. UNATTENDED. ME. ISOLATED AND DESTROYED AND BEYOND DURESS.
Product: Debt collection

I recently checked my credit report after not checking it for years and I noticed som e medical collections  that are inaccurate. Not only did I not receive any notices in the mail from the hospital or the collection agency, I believe these medical debts are a mistake. I made nor signed any contract with  XXXX   XXXX   XXXX . I kindly ask that these collections be removed from my credit report because they cant be mine. They are as follows ;  XXXX  Certified Bureau Of The So Col Original Credit or-    XXXX   XXXX   XXXX   XXXX   XXXX   Opened Date-   XXXX   XXXX ,  2013    Balance- {$230.00}  XXXX - CB  South Original  Creditor-  XXXX   XXXX   XXXX   XXXX  Opened Date-  XXXX   XXXX   ,   2013 Ba lance- {$230.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Name. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I received my investigation back and you stated you completed a fair investigation and these accounts are 100 % accurate. 
But can you please answer this one question. How did you investigate these accounts?

Because according to the fair credit reporting act 15 U.S. Code 1681a this is how you supposed to investigative my consumer report Did you interview my neighbors? 
Did you interview my friends? 
How did you talk to? 
One more thing can you please tell me how everything is accurate since these accounts date open, date last active not reporting the same information.

How did you talk to?

One more thing can you please tell me how everything is 100 % accurate if the date open, date last active on these accounts are not reporting the same Information.

You have violated multiple laws below : 15 U.S. Code 1681a 15 U.S. Code 1681 15 U.S. Code 1681i I demand you delete the accounts from my credit report, I listed below : XXXX Account Number : XXXX Please remove it from my credit report XXXX. The following information is incorrect XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
12. The following information is incorrect XXXX XXXX XXXX Account Number : XXXX Please update all late payment, all late payment was made on time 13. The following information is incorrect XXXX XXXX XXXX Account Number : XXXX Please update all late payment, all late payment was made on time 14. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
15. Validate Account XXXX XXXX BANK Account Number : XXXX Please remove it from my credit report. 
16. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
17. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
18. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
19. Validate Account XXXX XXXX BANK XXXX Account Number : XXXX Please remove it from my credit report. 
20. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
21. The following information is incorrect XXXX XXXX XXXX Account Number : XXXX Please update all late payment, all late payment was made on time 22. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
23. Validate Account XXXX Account XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to make a formal complaint about my credit report. As a natural person, I have rights under 15 USC 1681, and I believe that the consumer reporting agencies have violated my rights and the Fair Credit Reporting Act. I demand that the accounts listed below be deleted immediately, as they have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I did not give the consumer reporting agencies permission to furnish these accounts : 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 These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The consumer reporting agencies are governed by 15 USC 1681, and they have violated my rights several times.

In accordance with the Fair Credit Reporting Act, I demand that the accounts listed above be deleted immediately. Section 602 A of 15 USC 1681 states that I have the right to privacy, while Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. Additionally, Section 1681c. ( a ) ( 5 ) prohibits consumer reporting agencies from making any consumer report containing any adverse information other than records of convictions of crimes which antedate the report by more than seven years. Finally, Section 1681s-2 ( A ) ( 1 ) prohibits anyone from furnishing any inaccurate information relating to a consumer to any consumer reporting agency. 

I would appreciate your prompt attention to this matter. Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Debt collection

This company Jefferson Capital systems does not have written permission by me to furnish this on my customer report. 

I do not owe this alleged debt. I'm requesting Jefferson Capital allow me to verify that I owe this alleged that send me a signed agreement with my signature stating I owe this alleged that send me a flow/purchase agreement of this alleged that with the original creditor. 

Please see attachments below
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my Capital One credit card in full on XX/XX/2020. Capital One is still reporting to all the credit bureaus ( XXXX, XXXX  and XXXX  ) as a  delinquent account. This information is falsified and discriminatory. 

I've sent letters to Capital One about this issue, called them and I have filed a dispute, yet no changes. 

Why am I as a consumer/customer being defamed and made to look like I'm still delinquent. Is this because I can face long lasting disparities as a consumer?
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX 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 an account without my written instructions
Product: Mortgage

XX/XX/XXXX we applied for a short sale on our land/property with an offer from buyers offering {$120000.00}. Thus we began the documentation process. By XXXX/XXXX  we were just finding out who our account manager @ Fay Servicing was and who was processing our paperwork. We had near impossible time getting anyone to respond to us and this acct. mgr. kept telling us she had not received documentation and then resolved that their organization had a difficult time with getting emails, documentation and where to find it once it was received. 
We had such a difficult time with communication that I finally reached out to the VP of Operations who did seem to have some pull in moving our process along. 
By XX/XX/XXXX we finally got approval for that offer amount but by that time our buyers had walked away from their offer. 
On XXXX XXXX XXXX we received another offer for {$120000.00} again with new buyers. In XX/XX/XXXX we began the process again.They were requesting all the same paperwork again but we immediately responded and supplied to our new acct. mgr. 
We continuously attempted to receive information about the offer but finally on XX/XX/XXXX I was able to speak to the acct. mgr. who informed us that they refused the $ amount and needed a new HUD statement with a new offer which will net {$110000.00} to them. We replied on XX/XX/XXXX with the new statement. 
Since XX/XX/XXXX we have heard nothing and can not get anyone ( including the VP whom I have contacted twice this time ). We are about to lose our new buyer again all because Fay Servicing is so non-communicative.
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 Acct name : XXXX  ( closed Accounts ) Acct name : XXXX XXXX XXXX ( closed Accounts ) Acct name : XXXX XXXX XXXX ( closed Accounts ) Acct name : XXXX XXXX ( closed Accounts ) 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 c. ( 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 crime which antedates the report by more than seven years 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate