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

XXXX ) In XX/XX/XXXX I visited XXXX XXXX on a business trip. During that trip my identity and credit card information appears to have been used without my knowledge or participation. 
XXXX ) XXXX XXXX and XXXX XXXX XXXX were informed that my credit cards had been used without my authorization. Prior to this incident, there had been no prior instances of delinquency or fraud on any of my accounts. 
XXXX ) XXXX XXXX account number : XXXX XXXX ) XXXX XXXX XXXX account number : XXXX XXXX ) XXXX XXXX XXXX account number : XXXX XXXX ) I made several complaints about the fraudulent charges on my accounts and in my name, filed grievances, sought verification for the source of these charges, and asked the company and credit bureau to validate this debt. 
7 ) Currently, more than six years have passed since this incident occurred and my credit score and consumer report reflect a debt that is blatantly fraudulent, and nothing is being done to resolve the issue.

8 ) Under 26 USC 165, and 26 USC 6050P and IRS regulations 1.6050P-1 these actors admit that they took a deduction for Loss Income while having never issued a 1099 ( c ), which is legally mandated.

9 ) These entries on my credit report have a direct correlation to several lost employment opportunities, denials of funding for business projects past and currently active, and reputational harm that can not be easily calculated into a dollar amount.

10 ) I have sent numerous certified mail letters and neither XXXX, XXXX, or Experian have conducted a validation of debt despite my asking several times, and having documentary proof that I am not involved responsible for the debt. 
11 ) The debt is scheduled to be removed in XX/XX/XXXX, however, I am unable to have a security clearance issued, which affects job prospects and income, as a result of their inaction. 
12 ) The Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), makes it illegal to report inaccurate consumer information, and 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) requires that inaccurate information be removed immediately upon notice following an investigation. As this is an issue of identity theft, which began with international travel and personally identifiable information being compromised, under Section 605B ( 15 U.S.C. 1681c-2 ), this Information must be blocked within 4 business days and the credit reporting agency must cease reporting the information.

My personal life, and professional aspirations, are being curtailed due to a lack of compliance by the parties named above. This avenue is my only realistic means of having the appropriate agency intervene to end this flagrant violation of Federal and States laws for protection of consumer reporting.
Product: Debt collection

Out of the blue I found a packet taped to my door that was out of date saying that a car in my name had been repod and was totaled that they were having an auction or something of that nature that I would owe the rest of the balance
Product: Debt collection

A certified letter was mailed to Receivables Management on XX/XX/2020. The certified letter XXXX XXXX XXXX XXXX XXXX was received by Receivables Management on XX/XX/2020. To date, I still have not received any response from the company or any supporting documentation to prove that I owe this debt. I was unaware of this debt and I have never received any documentation stating that I owed this debt. I only became aware of this debt when I ordered my credit reports recently. They have had ample time to respond to my letter and provide the necessary proof that I have requested.
Product: Credit reporting or other personal consumer reports

XXXX, XXXXXXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

This is an update based on new gathered information regarding Notary XXXX XXXX, an employee of Aurora Loan Services , LLC and Nationstar Mortgage , LLC. 

Please see attached letters from Colorado Secretary of State XXXX XXXX XXXX-Notary Section, Licensing & Enforcement. 

As of today, XXXX XXXX, XXXX, I have confirmed with XXXX XXXX that XXXX XXXX was required to and has failed to submit any copy of her journal entry for XXXX Quit Claim complaints filed against her from XXXX XXXX. 
We are disputing the validity of XXXX Quit Claim documents signed by XXXX XXXX and recorded in the XXXX XXXX County Recorders Office # XXXX on XXXX XXXX, XXXX and the XXXX XXXX County Recorders Office Document # XXXX on XXXX XXXX, XXXX. 
These documents are claiming that Nationstar Mortgage , LLC has sole beneficiary status of residential property. It is apparent by XXXX XXXX, an employee of Aurora Loan Services , LLC and Nationstar Mortgage , LLC. has deliberately refused to adhere to the Colorado Secretary of States numerous demands to produce the required journal entry for XXXX documents. Furthermore, I have attached an unrecorded Corporate Assignment which was submitted by Aurora/Nationstar attorney XXXX XXXX XXXX of XXXX only to the CFPB, however, XXXX XXXX has never filed this document with any court. XXXX XXXX is listed in a FOIA CONFIDENTIAL TREATMENT REQUESTED BY XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX as Assistant Vice President of XXXX 's investment division which we believe is a conflict of interest as he has continued to litigate in bahalf of both XXXX and Nationstar by XXXX XXXX. ( Download of XXXX pages will not attach. I will mail a copy to the CFPB ) We are asking that the CFPB address and investigate these important notary violations from XXXX XXXX and her employees at Aurora Loan Services , LLC. and Nationstar Mortgage , LLC. 
If I can be of any further assistance in your investigation, please contact me anytime. 

Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX
Product: Checking or savings account

Respectfully I would like Chase to reconsider your decision to open another secure checking account. Yes you do have the right to close an account for no reason at all, but at your discretion you can reverse the decision. I have been a loyal chase customer for over 7 years. I highly recommend Chase to friends and family giving Chase new customers because of the grace and caring customer service I received in the past. I brought a lot of business to your company. I have trusted this bank with every financial avenue I had from payroll, income tax, financial aid checks. I did right by my account. You offer customers options to protect their money by disputes and fraud alerts. All I did was utilize the protection you are supposed to provide and I have not been protected by the very institution that I trusted. I am not a risk. My account actions are everyday banking use. Unfortunately things happen and I was victim and was punished for reporting and doing what I thought was the right thing. I am asking for grace, a fresh start. I know that chase cares about their customers. I was not cared for in my situation. I would like to make it right. If you review my account history I am just like every other customer. It is in your power to reverse the decision and can do so if you decide. The action taking against me and the experience I have had trying to resolve this has truly been traumatizing because I depend on my bank. Please reconsider and lets work together on financial literacy. If I mistakes were made it is because I did not know. But I have learned and will do better in the future. Everyone deserves another chance. Put yourself in my shoes Im sure you would want grace when you make a mistake and learn from it especially if you did not know what you did was wrong. As human being we deserve forgiveness and to show each other forgiveness. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor ; XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX - Collection
Product: Credit card or prepaid card

XXXX is had me in a never ending rabbit hole to verifying my documents they have had for XXXX  months for a XXXX verifi action claim. I call daily nothing getting done. They are to open a window retroactively because I received only about half or less of my XXXX week XXXX claim because of ID verification. DURING THIS MY MOTHER PASSED AWAY. I NEEDED THE XXXX CLAIM THEN WAS XXXX IT AND HAVE BEEN WAITING XXXX  YEARS. THIS HARDSHIP IS HORRIBLE DESTROYING MY QUALITY OF LIFE AND IS BEGGING TO AFFECT MY HEALTH. XXXX AND BANK OF AMERICA DONT SEEM TO CARE ABOUT ME AND THE TREATMENT I HAVE BEEN RECIEVING FEELS DISCRIMINATORY.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of the information regarding the collections account listed below on my TransUnion credit report, in accordance with the Fair Credit Reporting Act ( FCRA ), specifically sections 605 ( c ), 604, and 605 ( b ). Upon reviewing my credit report, I noticed that the information related to this account is inaccurate. I request that TransUnion conduct a thorough investigation of this account and verify its accuracy, as mandated by the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE DISPUTED WITH 3 BUREAUS OVER MY CREDIT INQUIRES THESE ARE THE ONES AS FOLLOWS XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, US SM BUS ADMIN ODA XX/XX/XXXX. I DO NOT RECOGNIZE THESE INQUIRES AND 3 BUREAUS STATES THEY VERIFIED THESE INQUIRIES AND I KNOW THEY DIDN'T BECAUSE THE NUMBERS THAT ARE ASSOCIATED WITH THESE INQUIRIES ARE KNOW LONGER IN SERVICES AND THEY WILL NOT SEND VALIDATION LETTERS FOR THESE INQUIRIES
Product: Credit reporting, credit repair services, or other personal consumer reports

I correct name XXXX XXXX XXXX on Equifax fraud alert report. 
My correct name is XXXX XXXX.
Product: Mortgage

I have worked with my mortgage servicer to bring my mortgage current. 
I have been approved for several trial modification they accept my trial payments, cancel the permeant modification. I have a FHA loan on my house PHH has given me misleading information and they have made mistakes servicing my loan. Signed several documents for PHH to make PMI claims on my mortgage they PHH is not a good servicer. When I call customer service with PHH I have spoken with customer service and loss mitigation I am given misleading information.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint Bank of America regarding the handling of my accounts and unresolved issues with the bank 's services. This letter serves as a continuation of previous complaints submitted to the Consumer Financial Protection Bureau ( CFPB ) Following my initial complaints to the CFPB regarding Bank of America, I received communication from XXXX XXXX XXXX, Resolution Specialist, Regulatory Complaints Operations at Bank of America. XXXX XXXX left me a voicemail and sent an email providing contact information for further discussion. Despite multiple attempts to reach XXXX XXXX, I was only receiving communication on XX/XX/XXXX at XXXX XXXX from XXXX XXXX ( extension/ Ext. XXXX ) During our conversation, I requested an interpreter, which XXXX XXXX agreed to provide for our scheduled discussion on XX/XX/XXXX at XXXXXXXX XXXX. However, XXXX XXXX 's behavior during our subsequent phone call on XX/XX/XXXX was unprofessional and unacceptable. She abruptly ended the call when I mentioned recording the conversation, thereby hindering the resolution process. 

Furthermore, the handling of my credit card disputes and other issues by Bank of America 's fault department has been extremely inefficient and unproductive. Despite numerous attempts to address these matters, I have been consistently redirected between different departments without any resolution. The lack of coordination and accountability within Bank of America 's customer service structure has exacerbated the situation and left my concerns unaddressed. 

Moreover, I have recently received a letter from Bank of America 's collections or credit department threatening to charge off my credit at the end of the month. This action is unwarranted and unjust, as I have not utilized all of the credited funds, and it will negatively impact my credit score, the problem about scams and automatic charges from XXXX in my credit card. 

Given the gravity of the situation and the lack of progress in resolving these issues directly with Bank of America, I urge the CFPB to intervene and facilitate a prompt and satisfactory resolution. Additionally, I request that appropriate action be taken against Bank of America for their failure to address and rectify these ongoing concerns, in a fair and equitable way but instead off phone calling on XX/XX/ from XXXX XXXX Bank Of America after bank recipient my complaint to CFBP, way to deal with the risks and consequences, this has hurt me as a Bank of America customer for over 15 years, and the important it is my credit score has problem. 

Enclosed with this letter, please find recordings of my interactions with Bank of America representatives, as well as any relevant documentation supporting my claims. I will forward communication XX/XX/2XXXX  to CFPB in future. 

I appreciate your attention to this matter and look forward to a swift resolution.
Product: Credit card

I purchased furniture from XXXX XXXX  1 year ago with a promotional rate if card was paid in 1 year My card went from XXXX to well over XXXX when the year was over I never received a notification or printed statement from synchrony bank. I called synchrony and was told that in XXXX I signed for paperless statements ( I explained that I signed up for synchrony last year In XXXX with XXXX  XXXX  and never signed that I want electronic statements. The special interest just expired in XXXX when I saw my XXXX XXXX notification of change in the amount I owe. 

I called synchrony 4 times and they wouldnt help me if I paid in full and refused to give me a complaint email all 4 calls. Its a terrible scram and sham that is happening. 

They told me it was my responsibility to watch my card. I asked to open a complaint and they took information but were very rude to me.
Product: Debt collection

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Notice of Violation of the Fair Debt Collection Practices Act Dear XXXX XXXX XXXX XXXX  I am writing to formally notify you that your attempts to collect on the alleged debt referenced above are in violation of the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX XXXX. If you are not aware this entire claim is regulated by an arbitration agreement with XXXX XXXX XXXX XXXX, which clearly stipulates that any dispute must be resolved through arbitration due to the binding agreement. To date there has been no arbitration proceedings. As a direct result of that this is considered a material breach of the arbitration terms listed in the original agreement acknowledged by all involved parties. I confidently assert that you have no right to collect on this alleged debt. 

I am writing this as I humbly seek to have this discrepancy resolved both promptly and amicably. 

With that, my demands are as follows : 1. You must promptly notify any credit reporting agency to remove all information and/or tradelines associated with this account. I request a written confirmation of that communication to be sent to the address you have on file ; 2. A settlement agreement that I may retain for my records.

3. Monetary compensation in the amount of {$1000.00}. 

While I do not desire or anticipate that your negligence may force me to purse further legal action, that option will be explored. In the event that needs to happen, you are subject to a significant increase in demands to cover damages, attorney fees, and more. I am sure a company of your caliber does not look to unreasonably be exposed to those routes. 

Thank you for your immediate attention to this matter. We look forward to resolving this issue promptly. 

Sincerely, XXXX XXXX Account XXXX XXXX
Product: Debt collection

I have been harassed and abused by the XXXX debt collection company. They have attempted to collect a debt that I do not validate as I am the original creditor under 15 USC 1692g. XXXX illegally obtained my personal information without my written consent, because I never did business with XXXX, and they have failed to provide me a contract between XXXX  and I stating I gave them the right to defer any payments to me or obtain my information. no consent is identity theft and XXXX  is criminally and civilly liable under 18 USC 1028A. I've attached all the exhibits backing my claims. I expect the CFPB to force XXXX  to remedy this situation with proper consideration that does not break federal laws.
Product: Credit reporting or other personal consumer reports

filed a dispute thru XXXX. dispute came back stating " the incorrect account with lvnv funding llcthat has not been changed and will remain on my credit report.- reported XX/XX/year>. closed XX/XX/year>XXXX  iam requesting Validation from LVNV Funding LLC : Send a formal debt validation letter. with a copy or original contract with signature. directly to the collection agency. Under the Fair Debt Collection Practices Act ( FDCPA ), they are required to prove the debt is valid. 
Improper Assignment of Debt : If a collection agency like LVNV Funding LLC can not prove it legally owns the debt ( e.g., they can not produce a chain of title or valid assignment ), this violates UCC provisions related to the transfer of negotiable instruments. 
Failure to Provide Validation : Under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors must validate debts when requested.The RICO Act targets patterns of racketeering activity, including fraud, extortion, or illegal business practices. To claim a RICO violation against a debt collector, you must show that their actions were part of a larger scheme of illegal conduct.

Rico Violation : Systematic Fraud : Using deceptive practices to collect on debts, such as fabricating documents or misrepresenting the amount owed. 
Illegal Collection Practices : Threatening you with arrest, seizing property without a valid court order, or continuing collection attempts after a debt is discharged in bankruptcy. 
Extortion : Using threats, harassment, or coercion to collect a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to get my Transunion credit report disclosure by contacting them directly on XX/XX/2021, I was not successful. My internet ( online ) service is spotty to obtain the report online. I have lived at the same address for over 8 years, have not placed any fraud alerts on the report. Further, I have been successful each year having a credit report disclosure sent to me. The file number listed is : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I requested Experian investigated the XXXX XXXX  account ( account number XXXX ) that is reporting on my credit report. According to my credit report I received from Experian the account was last updated XX/XX/XXXX. This means that Experian did not conduct an investigation when I submitted my dispute. This is a violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than XXXX business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXXXXXX Balance : {$660.00} ; 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 XXXXXXXX
Product: Debt collection

On XX/XX/XXXX Foster and Monroe was contacted in reference to this debt. I spoke with a gentleman named XXXX XXXX. He stated that the amount owed was {$13000.00} however with interest added the amount added up to {$37000.00} which dated back to XX/XX/XXXX. As of today I have not received any correspondence from the company. 
According to the FDCP act the company has not validated this debt, the account is well beyond the statute of limitations, they have re-aged the account and they have added a substantial amount of interest on the original debt which was originally {$13000.00} but now its {$37000.00}. There should be paperwork provided with what they are stating instead of a verbal response or written response to validate this. It is unfair for companies like this to abuse consumers let alone someone who served their country. This debt should be deleted immediately. This is an illegal tactic that collection agencies use. When this was purchased, the collection agency can not re-age the account to restart the clock. 
After filing one complaint the company responded on XX/XX/XXXX, stating that I had made no attempts to contact them. This is false information due to the fact that I have definitive proof that they were contacted. I am forwarding a letter to the State Attorney General and will be contacting the Federal Trade Commission as well.
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam : I am writing to dispute a fraudulent account. The account are XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX Account number XXXX Date opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX Account number XXXX XXXX, XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b ) FCRA 605B ( 15 U.S.C. 1681c-2 ) .I have the police report and the FTC REPORT 605B letter