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

XX/XX/XXXX These ILLEGAL ACCOUNTS MUST BE REMOVED IMMEDITELY!

Under USC Sec 15 1681, 1682, 1683, 1684, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1200.00} XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$860.00} XXXX XXXX XX/XX/XXXX Balance {$410.00} XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$15000.00} XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$440.00}
Product: Mortgage

* Not possible to pay mortgage due to cyber attack * No backup options * Incorrect credit reports * Company does not have processes and infrastructure that are cyber hardened
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is to inform you the accounts listed on my credit report are from unauthorized use of my social security number and card. I assert I did not authorize the aforementioned accounts to be opened in my name or likeness and have not benefited from such fraudulent accounts. 

If you assume or allege, I have received services, goods, or monies, please have a senior executive certify under the penalty of perjury, I have obtained possession. All are being investigated by the FTC
Product: Prepaid card

On XX/XX/year> I purchased a XXXX dollar gift card from XXXXAmerican Express. I ask the cashier if she was sure the card was activated and she said yes I left the store and placed it birthday card and later that day I went and tried to use the card and it keep reading error so I called the customer service and that told me to check back at the store to make sure the card was activated so I went back and was told they couldnt do anything because I already left the store and I called back then all of a sudden the card has nothing on it and on top of that the card was used half way across the country and I know I didnt use it because I still have the receipt and physical card
Product: Mortgage

To : Consumer Financial Protection Bureau RE : Case Number : XXXX Complainant : XXXX XXXX Date : XX/XX/year> Subject : Rebuttal and Request for Further Review Companys Inadequate Response to Affidavit and Complaint Dear CFPB Representative, This correspondence serves as a formal rebuttal to the companys response dated XX/XX/year>, regarding my original complaint and supporting affidavit, submitted XX/XX/year>. 

The companys response does not fully address the following material issues raised in my Affidavit of Truth and Complaint : Failure to Acknowledge Arbitration Clause and Contractual Violations : My affidavit and attached materials clearly reference an existing arbitration clause. The company has refused to acknowledge this provision and continues to pursue foreclosure in contradiction to the contractual agreement, thereby violating the Federal Arbitration Act ( 9 U.S. Code 1 et seq. ).

Refusal to Address UCC Claims & Secured Party Status : As per the Uniform Commercial Code, I have filed and perfected my security interest with a properly recorded UCC-1 Financing Statement. The company has failed to rebut or recognize my secured party status or the accompanying notices of private interest. This violates rights afforded under UCC Article 9.

Disregard of Affidavit and Truth-in-Lending Violations : The response omits any discussion of the alleged TILA violations and fails to rebut or contest the sworn affidavit, which stands as truth in commerce unless rebutted point by point. Per the Maxims of Law and Federal Rules of Civil Procedure, an unrebutted affidavit stands as fact and judgment in law.

Refusal to Correct or Clarify Credit Reporting Issues : While the company claims the foreclosure reporting has ceased due to obsolescence, this does not address the original illegitimate reporting, nor the inaccuracies regarding the default timeline, outstanding balance calculations, and the basis for collection.

No Address of Exhibit A Mortgage Audit Findings : The mortgage audit ( attached as Exhibit A, pages 49-50 ) reveals significant accounting discrepancies, which were ignored entirely in their response.

Fair Resolution Requested : I request that the CFPB require the company to provide a full and point-by-point response to my sworn affidavit and supporting evidence. Specifically : Immediate cessation of all foreclosure activity pending arbitration review.

Recognition of my secured party status and validation of UCC-1 filings.

A thorough investigation into TILA violations, accounting discrepancies, and audit findings.

A corrected credit report reflecting the true and lawful standing of the account, including removal of any invalid public record.

A written response that addresses each element of the affidavit and exhibits already submitted.

I am prepared to escalate this matter through additional legal channels if it is not properly addressed. Please include this rebuttal in the case record and notify the company of my ongoing objection and demand for full redress. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX  Secured Party Authorized Representative, All Rights Reserved Without Prejudice
Product: Credit reporting, credit repair services, or other personal consumer reports

CHASE BANK ARE STILL REPORTING A ACCOUNT ON MY REPORT AS OPEN MEANWHILE THEY CLOSED IT IN XX/XX/2021... 

TRYING TO SETLE THIS ACCOUNT WITH THEM BUT THEY THREAT ME VERY RUDE OVER THE PNONE AND ARE NOT WILLING TO SETTLE WITH ME
Product: Credit reporting, credit repair services, or other personal consumer reports

The company deleted credit reporting my active account from all credit reporting agencies after six years of good payment history and an account in good standing causing my credit score to drop by 100 points causing a low credit score This loan is still active and not within seven years statue to delete hence this account have been over paid I feel by {$10000.00} this why I feel the company violated FCRA to hind the overpayment on the account Additionally I am owed the title for this Vehicle which has been overpaid
Product: Credit card or prepaid card

This is concerning the  Chas e/   XXXX   XXXX   XXXX   XXXX  Card .  I applied for the card because they advertised a {$50.00} credit after using the card. I wanted to use it that same day to book my tickets with  XXXX . Due to the link not connecting with my new card, I was unable to use my card for that flight, and had to wait 10 days before card came in. I lost my good price on that flight and had to rearrange my entire trip so as to be able to afford to go at all due to the price continuing to rise on my original flight choice. I called Chase Customer Service, they told me that if I used my new card before    XXXX   XXXX  , 2017,  I would be able to receive my {$50.00} credit. Since the flight I booked was o n  XX/XX/XXXX , I used the Ch  ase/   XXXX    Card  to pay for my luggage. I waited for my {$50.00} credit, which never came. I called  Chase  again on    XXXX   XXXX  , 2017  @  XXXX  and spoke with  XXXX   XXXX  He assured me that by   XX/XX/XXXX , my Credit of {$50.00} would be applied to my card. Then I received a letter from Chase dated  XXXX / XXXX /17 t hat stated since I did not go through the " particular channel '' I would not be receiving the offer! I was trying to go through their " particular channel '' but it did NOT work. In addition, no where did I see on their advertisement that the credit would not be issued if certain steps were not followed. On   XX/XX/XXXX   at  XXXX   XXXX  ( after reading the letter ) I called and spoke with  XXXX  from Chase. She said nothing could be done because Marketing already denied the request. I told her that this was not acceptable. I was so upset, that I wound up cancelling the Credit Card. I filed a complaint for Chase with BBB. After filing complaint, on Friday,    XXXX   XXXX  , 2017,   XXXX   XXXX  from  Chase Executive  office got in touch with me. Chase said that their  Marketing Dept d enied my request for the {$50.00}, due to not following the " particular channel '' when I opened the Credit Card. So on Saturday   XX/XX/XXXX ,  I went to   XXXX   again to see exactly how the {$50.00} credit was worded on their website. I quote from their website : " {$50.00} statement credit Enjoy a {$50.00} statement credit after your first purchase with the  XXXX   XXXX   XXXX . If you make your first purchase today, your first purchase and statement credit will post on the same statement. '' It says nothing about having to follow a " particular channel '' in order to receive the credit, just says after your first purchase, which I made my first purchase on    XXXX   XXXX  , 2017. I was  of course very upset that they continue to deny what is rightfully mine from their own advertisement. I asked  XXXX   XXXX  for a phone number so that I could contact the  Marketing Dept my self. She told me that they do not accept phone calls from customers. This is definitely false advertisement and they should stand behind any advertisements they make.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Contacted Comentiy XXXX XXXX on several occasions regarding an account that had went delinquent XX/XX/2020. I explained to XXXX XXXX why my payment was late. The last time was by mail I explained that I had to do an emergency move from my apartment due to high levels of mold inside and outside of the unit and had to stay in hotel for a month. XXXX XXXX rejected me and I never had an late payment prior to XX/XX/2020. I asked them to take in consideration that we were going through the pandemic on top of me having to find housing fast. Im still out of a place to stay because of the negative inquiry on my credit report. All payments are current at this time
Product: Vehicle loan or lease

My hours at work have been cut drastically due to covid 19 and I used to make 80 hours a week and now am lucky to get 40. I have called the auto loan company the past two months to try to get an extension at the end of my loan or loan modification and they refuse they only offer me 7 day grace period or 2 weeks and pay two full payments with in a month. 
They refuse to put anything in writting in order to describe what they offered me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting to Equifax and XXXX after selling consumerss alleged debt to XXXX XXXX XXXX. This corporation never had consumers permission to report private account/record, nor to report to any non-affiliated third parties. Consumer was never in contract with this company for any reason. The reporting agencies received previous disputes that fit FCRA requirements for removal. 15 U.S. Code 1681 covers several laws being violated to include willful non-compliance ( 1681n and o ). Additionally, continued reporting violates the Privacy Act of 1974.
Product: Credit reporting or other personal consumer reports

please check the information concerning the TransUnion data breach below in attachments
Product: Credit reporting, credit repair services, or other personal consumer reports

THIRD NOTICE OF DISPUTE OF FRAUDULENT CREDIT REPORTING, FRAUDULENT INQUIRIES, THIRD NOTICE OF ERRANT EXPERIAN CREDIT REPORTING, EXPERIAN FRAUD ENABLEMENT CREDIT REPORTING, AND NOTICE OF INTENT TO SUE https : XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from Experian, XXXX and XXXX. 

Please delete the following accounts : XXXX XXXX Account number : XXXX Balance : {$0.00} XXXX XXXX XXXX Account number : XXXX Balance : {$0.00} XXXX XXXX Account number : XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX : XXXX, XXXXXXXX XXXX  : XXXX XXXX XXXXXXXX XXXX : XXXX, XXXX XXXXXXXX XXXX : XXXX 15 USC 1681 section 604 a. States I have a right to privacy 15 USC 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681 s-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 or prepaid card

On XXXX XXXX 2020 I had a charge on my Capital One Visa card in the amount of {$40.00} On XXXX XXXX 2020 I had a charge on my Capital One Visa card in the amount of {$300.00} XXXX XXXX is the name on the 2 charges, I have no clue who they're. 
I called Capital One & they couldn't give me any help in identifying this merchant, I want to call them or email them to question why they charged my card, I went back & forth with Capital One & they still didn't give me a credit, I also filled out the papers they sent me but nothing is happening.
Product: Debt collection

We have a {$50.00} per month payment plan set up with XXXX XXXX. 
XXXX XXXX XXXX is calling us on a debt that is being discharged. XXXX hospital told us is is a scam phone call & to disregard. Phone number called us is XXXX. This company hung up when I challenged them. They 've called us repeatedly, despite financial arrangements made with the hospital. The hospital billing told us this is a scam illegal activity by " XXXX XXXX XXXX '' & to disregard, report them. These people need to XXXX!! They are foreign callers from XXXX. Sick of being harassed.
Product: Debt collection

VALIDATION AND CEASE AND DESIST USCB Corporation XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear USCB Corporation I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Vehicle loan or lease

the seller refused to provide a notice of sale prior to the repossession and is refusing to provide the detailed auction statement for the vehicle.
Product: Credit reporting or other personal consumer reports

I wrote to experian to verify the accuracy of accounts ( XXXX ) XXXX XXXX XXXX XXXX # XXXX, ( XXXX XXXX XXXX XXXX # XXXX, ( XXXX ) LVNV # XXXX, ( XXXX ) XXXX XXXX XXXX ****. Nothing was corrected. I wrote again to ask for proof of validation and still nothing. After that I wrote the 4 creditors and I asked them for a original signed contract showing validation. No one wrote back. I sent all certified letters to the creditors. I am asking for these 4 creditors to permanently be removed from my credit profile. Thank you for your help.
Product: Debt collection

It is illegal for a debt collector on an amount that is " owed. '' I looked at the agreement from the original creditor, and this was not expressly authorized. You are conducting unfair practices. 808.A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt under the law 15 USC 1692f . I also am waiting for the debt assignment which included numbers XXXX and XXXX in the original complaint. Please remove this from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I advised ChexSystems that I do not have any knowledge and that I did not authorize the following inquiries on my report.   1.  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , GA  XXXX  inquiry  dates- XX/XX/XXXX , XX/XX/XXXX ,    XX/XX/XXXX   ,  XX/XX/XXXX   ,  XX/XX/XXXX     2.   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  inquiry dates- XX/XX/XXXX ,  XX/XX/XXXX   ,  XX/XX/XXXX , XX/XX/XXXX ,  XX/XX/XXXX    Also the number of non derogatory records is incorrect. It shows  XXXX  on my report and I was told by a rep at Chexsystems that it would be corrected to  XXXX  since they have nothing in their systems showing anything derogatory.     Even though I do not owe any monies to Chexsystems, the above information make me appear to companies that I am a high risk regarding my credit worthiness. I have not been provided with any information that may link me to the above inquiries. I would like all of the inquiries removed from my file immediately.
Product: Credit reporting or other personal consumer reports

I am writing to formally express my concerns and frustration regarding the Equifax data breach that occurred in 2017. As a victim of this incident, my personal and financial information has been compromised, leading to significant distress and ongoing issues with identity theft. Equifax is inaccurately reporting my Social Security Number, posing a significant risk to my financial security and identity integrity. You have not supplied proof under the doctrine of estoppel by silence XXXX XXXX ( MO ) XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt nor therefore any such debt in fact exists.
Product: Credit card

I ordered a copy of my credit reports and discovered an account from Wells Fargo. I have never had or applied for a Wells Fargo credit card.
Product: Credit reporting or other personal consumer reports

I discovered that my information was sold and bought illegally because I was a victim in the Equifax Data breach. I am requesting that I want these Items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted liability and that I was in fact a victim of said data breach, and Equifax has done nothing. Please help me delete these negative accounts immediately : XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX Acct XXXXXXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXXXXXX XXXX Acct XXXX XXXX Acct XXXX XXXX XXXX  Acct XXXX XXXX XXXX Acct XXXX XXXX XXXX, XXXX Acct XXXX XXXX Acct XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXXXXXX Acct XXXXXXXX XXXX Acct XXXX Acct XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX  Acct XXXX XXXX XXXX XXXX XXXX Acct XXXXXXXX XXXX XXXX XXXXXXXX Acct XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX Acct XXXXXXXX XXXX XXXX  Acct XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX  Acct XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX Acct XXXX Delete name as XXXX XXXX
Product: Debt collection

I have attempted to contact midland funding on three occasions regarding this debt. First attempt was in XXXX 2017, XXXX 2017 and in XXXX 2017, they have repeatedly called and have sent me harassing letters. They do not understand that this is not my debt.