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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX Balance : {$840.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$510.00} ; XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$3000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$760.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$25000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$50.00} XXXX XXXX XXXX XXXXXXXX Balance : {$20.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1900.00} ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

After verifying if your company is licensed in the State of California as a collection agency, XXXX XXXX XXXX XXXX Credit Management LLP is not licensed in California, and I have already paid this account in full. Therefore, I hereby request that you immediately cease and desist all oral and written communication with me, along with my family and friends. You are hereby notified that if you do not comply with this request on the day, you receive this letter, I will be immediate file a complaint with the Federal Trade Commission and the Texas Attorney Generals office and other appropriate regulatory bodies. Civil claims may be pursued. Please inform any credit reporting agencies to which you have reported this debt to, that this debt is currently in dispute. I will require proof that you have done this. You are also required to cease and desist from contacting me in this and any related matters unless it is by United States Mail, and only for the purpose of informing me that you are terminating all efforts to collect or that you are taking specific court of legal action. Thank you for your cooperation in this matter. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CHEXSYSTEMS COMMITS FRAUD BECAUSE THE BANK IS A TOTAL FRAUD THEY THEY CO-CONTRACT WITH ; ; ; ; ; ;,,, SEE EVIDENCE HERE,,, XXXX WANTS TO XXXX ME AND THEY USE XXXX TO EXTORT THE FUNDS,, XXXX AND XXXX XXXX COMMITS FRAUD, he claims i owe something when the original instrument is quite valuable i see they make up excuses to keep this alleged ''bad check '' that they made profits from and keep secrets, if the check was bad so give it back, but rather the contrary i did them a favor and made them a securities instrument they can sell because thats what they do to everybody. Unless you can provide a verified complaint which lawfully consists of a sworn statement under penalty of perjury notarized with your wet ink signature also provide me with proof of debt which would be a bill other rather than a statement all this XXXX you're talking about is nothing but presumptions and word semantics and I'm not falling for it because you're guilty and I'm going to prove it furthermore you have not cited the particular federal law you speak about which federal law? Quote me the citation that you highlighted in your little book that you sent to me show me the actual federal law that you speak of. A bill would show something that's old I have never received a bill. The check that you have sold as a Securities instrument with my wet ink signature I have located it and when I fly over on the airplane to retrieve that instrument all XXXX XXXX is going to break loose I'm going to expose the biggest fraud of the banksters you don't XXXX sell my XXXX signature and make profit off of it and then tell me that I owe you something let me tell you something XXXX  XXXX
Product: Credit reporting

I HAVE CONTACTED EACH COMPANY TO WHICH I HAVE GOTTEN CORRESPONDENCE FROM THEM STATING THAT THEY HAVE REMOVED THE INQUIRY FROM MY CREDIT REPORT. THESE CREDIT INQUIRIES ARE LINKED TO MY IDENTITY THEFT THAT I HAVE BEEN FIGHTING. THERE IS PROOF THAT I HAVE BEEN INVESTIGATING THESE CASES A LONG WITH XXXX POLICE DEPARTMENT HERE IN XXXX INDIANA. I HAVE PLACED ALL LOCKS ON MY CREDIT PROFILES SENT PROPER DOCUMENTATION TO THEM AND THE CREDITORS THAT OBTAINED MY CREDIT WITHOUT MY CONSENT. I HAVE COOPERATED WITH EQUIFAX XXXX AND XXXX ON THIS MATTER AND EQUIFAX REFUSES TO REMOVE THESE OFF MY REPORT. THEY ALSO FAIL TO RESPOND TO MY MAIL REQUESTING VALIDATION OF ORIGINAL DOCUMENTS WITH MY SIGNATURE ON THEM. 

THIS COMPANY ALSO HAS REMOVED MY XXXX ACCOUNTS OFF MY REPORT WITHOUT AUTHORIZATION AND RE INSERTED THESE ACCOUNTS AGAIN WITH OUT NOTIFICATION OR AUTHORIZATION FROM ME. I WANT THESE ACCOUNTS THAT THEY RE INSERTED ON MY CREDIT REPORT REMOVED COMPLETELY. 

THIS COMPANY FAILS TO REMOVE AN XXXX EVEN THOUGH THEY HAVE DOCUMENTATION FROM THE COMPANY AND COPIES OF LETTERS I RECEIVED IN THE MAIL STATING TO REMOVE THESE ACCOUNTS THEY WILL NOT REMOVE THEM.
Product: Mortgage

I CAN NOT BELIEVE WHAT I AM SEEING ON THIS BANK STATEMENT. IF IT`S NOT ONE THING IT`S ANOTHER. FIRST OF ALL, YOU SAID THAT YOU WERE OVERPAYING MY ACCOUNT FOR FOR MY PROPERTY TAXES, OUTSIDE OF MY MORTGAGE MONTHLY PAYMENTS BEING AT {$1600.00}. MY FIXED RATE OF XXXX XXXX XXXX  AT {$1300.00} & PROPERTY TAXES AT {$250.00} = XXXX YEARLY THAT`S $ XXXX {$1600.00} XXXX {$120.00} OF A OVERPAYMENT. NOW YOU STATING THAT I HAVE A ESCROW NEGATIVE BALANCE OF $ XXXX YOU CAN NOT ADD TAXES OF LATE MORTGAGE PAYMENTS TO A ESCROW. THE ESCROW IS FOR PROPERTY TAXES WITH NO PMI. AND THAT {$120.00} SHOULD HAVE BEEN GOING INTO A SUSPENSE ACCOUNT FOR YEARS NOT THE ESCROW. YOU STATED IN ONE OF MY COMPLAINT`S THAT YOU REANALYZED MY PAYMENTS DOWN TO {$1600.00} WHICH WAS INCORRECT, MY FIXED PAYMENTS HAVE ALWAYS BEEN {$1600.00} LIKE YOU WERE DOING ME A FAVOR BUT WERE NOT. MY PAYMENTS CHANGED IN XXXX TO {$1700.00}. WITH THE OVERCHARGE OF THE YEARS SINCE XXXX. {$120.00} X XXXX = {$1400.00} = {$14000.00}. HOW CAN I HAVE A NEGATIVE ESCROW FOR SOMETHING THAT WAS NOT GOING INTO ESCROW, NOT PMI OR PROPERTY INSURANCE? YOU DELAYED THE PROCESSING OF MY PAYMENTS NOW IT`S LIKE MY FAULT FOR MISSING THE PAYMENTS. A CLIENT CAN`T JUST CALL YOU AS A BANK TO FIX ISSUES WITHOUT FEELING ALIENATED.
Product: Credit reporting or other personal consumer reports

I have contacted each credit agencies. standard responce, Can not verify my identity. then why are you putting my wrong information on my credit file. start from my address every agency has different and employer : XXXX XXXX, what is that? I work XXXX XXXX XXXX. I am attaching all documents XXXX ) FTC Identity theift report from XXXX and XXXX XXXX ) Local Police report from XXXX XXXX ) All ID notarized. 
XXXX ) Credit report from three agencies.

5 ) Utility bill Now, i dont want same letter back to me.

I will send to FTC and Federal Lawsuite to full extent of law.

Also I am also Exercise Your State Privacy Rights Certain states grant their residents options with respect to their personal information. If you are a resident of California, Colorado, Connecticut, Montana, Nevada, New Jersey, Oregon, Texas, Utah, or Virginia, in some circumstances you may be able to request to opt-out of your personal information being sold to third parties. I am from Texas attached is my all forms of ID Notarized. 
XXXX ) I am Exercise my State Privacy Rights XXXX ) Do Not Sell or Share My Personal Information
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 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. The date of service is XX/XX/XXXX and also XX/XX/XXXXXXXX XXXX
Product: Mortgage

I closed on a mortgage with PENNYMAC mortgage company in XXXX XXXX XXXX. My First Mortgage payment was due on XX/XX/XXXX an received by PENNYMAC on time with no problems in the amount of XXXX and was posted on XX/XX/XXXX The next payment was sent on. The second payment for the mortgage was paid on XX/XX/XXXX in the amount of XXXX and was received by PENNYMAC and was posted on XX/XX/XXXX. Third payment in the amount of XXXX was received and posted on XXXX/XXXX/XXXX. This is when the problem started. I called PENNYMAC because the check had not been cashed. They told me they did not received the payment. I spoke with a supervisor and he read me the rules about late payments. because monday was a holiday the transaction took place on that Tuesday. Just so happen they found and cashed the check on time. PENNYMAC is trying to get me to do automatic deduction or pay by phone. Fourth payment for XX/XX/XXXX was received and posted on time XX/XX/XXXX. The fifth payment was never received. I call them to day and they say they did not receive the fifth payment of XXXX. WE payed a post mark fee for proof of mailing. The supervisor said he would waive the late fee until the XXXX of XXXX XXXX i was with XXXX XXXX  for my last mortgage and never had problem with lost check. I think they are not telling me the truth. I think they are holding my check to force me to make automatic deductions
Product: Credit card or prepaid card

age XXXX Real Estate agent wife age XXXX Wife does fraudulent charge backs for XXXX XXXX and XXXX Arizona residents Our XXXX and XXXX XXXX Card was used to pay for the purchase of XXXX vacation points. 
A XXXX card number has not yet been assigned XXXX XXXX, XXXX XXXX points purchased {$12000.00} purchase price {$3000.00} down charged to XXXX XXXX {$9300.00} was charged on a XXXX but we have not heard anything from that card. XXXX said there is no balance on the XXXX card as of XXXX XXXX, XXXX. 

Summit XXXX Sales agent from XXXX Sales Manager XXXX XXXX XXXX XXXX, XXXX This is what we sent to XXXX XXXX XXXX  concerning false promises. 
To XXXX XXXX XXXX XXXX We have disputed our XXXX credit card charge used to purchase XXXX points due to services offered were not as described as we were sold by deceit and bait and switch. We want our contract cancelled. We specifically said we wanted to stay in Hawaii and XXXX XXXX sales agent XXXX XXXX said staying in Hawaii would be no problem if we purchased XXXX points. After getting on the booking site ( after the rescission period ) we learned this would not be near enough points to stay in Hawaii or other locations we were interested in. The presentation was very high pressure lasting over six hours. In addition, we are disputing an additional {$150.00} charge because we tried to cancel a XXXX event, but the person never returned our phone calls. 

I contacted XXXX XXXX because I had contacted XXXX XXXX XXXX and XXXX and wanted to know if we should go through a company like that. XXXX XXXX said both companies were scams and suggested I contact XXXX XXXX XXXX XXXX asking our loan be cancelled and to forward the information to you about the two timeshare exit companies I cancelled, XXXX XXXX XXXX and XXXX. 

Please let me know by XXXX XXXX your decision before we file additional regulatory and law enforcement complaints. I did file a complaint with the Arizona Attorney Generals office. 

XXXX XXXX This is what the scam company is charging. 
The timeshare exit company XXXX {$2400.00} upfront to cancel timeshare XXXX {$200.00} account set up {$500.00} research and discovery 10 hours Email and XXXX XXXXt review5 hours for {$250.00} Document prep for 11 hour {$580.00} XXXX XXXX 16 hours at {$570.00} Rebuttal letters XXXX hours {$150.00} Negotiation letter XXXX hours for {$150.00} Other {$68.00} XXXX XXXX, XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX wanted me to call him back. He knew I was calling about XXXX XXXX. 

I logged into the XXXX and looked for trips. I looked for trips. I tried to book in XXXX but there was only availability in XXXX. We were led to believe we could get a couple vacations a year. We were told it would be no problem staying in Hawaii which is where we said we wanted to stay. In no way will XXXX points allow us to stay in Hawaii. 

Paid {$150.00} for three days in XXXX and we had ten days to cancel. We called XXXX in XXXX XXXX to cancel the weekend. We never got a call back to cancel. 

Disputed XXXX services promised were not services delivered this past Saturday XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of any of these inquires or account. I received not products not money. I believe i have been a victim of identity thief.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. The following accounts needs to be corrected now : XXXX XXXXXXXX XXXX Opened XXXX XXXX, XXXX Balance {$290.00} ; XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$730.00} ; XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$100.00} ; XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$17000.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$390.00}.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of the collection account reported by XXXX XXXX on my credit report. Under the provisions of the XXXX XXXX ( XXXX XXXX XXXX ), XXXX XXXX  and XXXX  XXXX are required to maintain strict standards for safeguarding personal information and ensuring accuracy when reporting to credit bureaus. XXXX XXXX has failed to demonstrate sufficient proof of both the legitimacy and accuracy of this debt, and I believe that the collection account is being reported in violation of these protections. 
As per XXXX XXXX XXXX, any entity that reports or transmits consumer data is bound to follow appropriate procedures for ensuring the accuracy of such information. Given that XXXX XXXX has not provided verifiable documentation or clear evidence of this debt being valid, I am requesting that this item be removed from my credit report due to the lack of sufficient proof supporting its accuracy and legitimacy. 
Please conduct a thorough investigation and remove this collection account from my credit file, as it appears to be in violation of federal consumer protection laws. This is only being reported to TransUnion and not the other XXXX major credit bureaus ( XXXX and XXXX ) so please delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

One again I have made complaint about this matter with XXXX XXXX XXXX  being clearly a fraudulent accounts with fraudulent charges attach to this account i continue to dispute this matter with Experian but they have choice to completely neglect this matter and has allow this creditor to not verify any information show any valid proof of these charges first premier bank has not shown original signed document sign by me linking me to this debt as requested and Experian is once in violation of several FCRA rights that they must uphold to the consumer. by stating they have investigated this matter .they havent received any verificationme to debt by this cred but old was never. infirst that has been full requested to be update, and I have show documentation of police report and current mail address plus vaild driver license with current address I have had for several years that any information this creditor have is completely incorrect. XXXX XXXX XXXX has not show any valid documentation of this account, Experian is and complete violation of 15 USC 1681 S-2 Plus in accordance with the fair credit reporting act conversion account # XXXX And account # XXXX and account number # XXXX has violated my rights 15 U.S.C. section 602 8 states I have the right to privacy 15 U.S.C. section 604 a section 2 also states as a consumer reporting agency cant furnish my account with my written instructions XXXX XXXX/ XXXX is violation 15 U.S.C.1692 g section b 15USC 1692 e Experian violation XXXX section 5 XXXX XXXX XXXX in violation. 15 U.S.C.1692 F section 1 and 2 15 USC 1692 c section a 15 U.S.C. 1692 g section 4 15USC 1681i section. 5 15 U.S.C. 1692 section D 15 U.S.C. 1692 g section C 15USC1681i section 5 15 U.S.C 1692 e XXXX XXXX  XXXX in violation 15U.S.C.1692 F section 1 and 2 15 USC 1692 c section a 15 U.S.C. 1692 g section 4 15USC 1681i section. 5 15 U.S.C. 1692 section D 15 U.S.C. 1692 g section C 15USC1681i section 5 15 U.S.C 1692 section b 15 U.S.C.1692 e
Product: Credit reporting or other personal consumer reports

SUN LOAN COMPANY XXXX  Balance : {$590.00} I believe the information being reported to be inaccurate.
Product: Money transfer, virtual currency, or money service

Following are the case id XXXX XXXX while checking paypal said this case was resolve in my favour but upon checking i did not receive any refund yet and paypal is charging me {$3500.00} and stated that this is a duplicate credit but fact is that i did not receive single credit yet. Instead of charging it to scammers paypal charging me wrong debit.
Product: Credit card or prepaid card

interest/fees charged ; attempts at reconciliation rebuffed ; request for records denied as " proprietary ''.
Product: Debt collection

On several dates, most recently XX/XX/2020 SOFI lending has been contacting family members and telling them that I owe a debt and they are trying to collect that debt. They have contacted each of my family members more than once which is against my rights. I would like them to sees and desist these calls to my family. I have also givent them my attorney 's phone number as well.
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my credit report. Since it has been over XXXX days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Product: Credit reporting or other personal consumer reports

Experian Has violated continuously the 1970 FCRA. This is the law that has been violated : 15 USC 1681 2 ( i ) : report containing information solely as a transaction experience between the consumer and the person making the report By definition consumer report is ( XXXX ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

This is the definition of person : a human being regarded as an individual. 

This is illegal and Experian need to comply with the law Account : XXXX XXXX XXXX XXXX XXXX XXXX Is this Law it's very clear and until such law changes it is expected to be followed!
Product: Debt collection

I do not have or had a account with Diversified consultants. I had a account with XXXX there client and I dont owe XXXX anything. I paid my bill for the month of XX/XX/2018 and canceled my service and went with XXXX XX/XX/XXXX even ported my number over to XXXX. Instead of sending me a refund they sent me a bill for a service I was not using and canceled. But now Diversified consultants has put it against my credit even though I dont owe anything. I want this to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed identity theft on my credit report multiple times. I have submitted police reports, fraud affidavit, FTC identity theft reports ... all to no avail. I have fraudulent inquiries from creditors which are also lowering my scores. They have told me they didn't " receive '' my documents, my documents weren't sufficient ... basically I've been getting the run around and my credit report isn't fixed. It is hurting me from getting a home and it isn't fair because it's IDENTITY THEFT