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

The Following Accounts are a result of Identity theft / fraud. I am requesting to dispute. Attached are FTC Fraud affidavits supporting my identity theft. 

Creditor : : XXXX XXXX Balance : : {$300.00} Account # XXXX Creditor : : XXXX XXXX Balance : : {$410.00} Account # XXXX Creditor : : XXXX XXXX Balance : : {$980.00} Account # XXXX Creditor : : XXXX XXXX Balance : : {$180.00} Account # XXXX Creditor : : XXXX XXXX XXXX XXXX Balance : : {$600.00} Account # XXXX Creditor : : XXXX XXXX XXXX XXXX Balance : : {$1600.00} Account # XXXX Creditor : : XXXX XXXX XXXX XXXX Balance : : {$1100.00} Account # XXXX Creditor : : XXXX XXXX XXXX XXXX Balance : : {$1200.00} Account # XXXX Creditor : : XXXX XXXX XXXX XXXX Balance : : {$1000.00} Account # XXXX Creditor : : XXXX XXXX XXXX XXXX Balance : : {$2100.00} Account # XXXX Creditor : : XXXX XXXX XXXX XXXX Balance : : {$1400.00} Account # XXXX Creditor : : XXXX XXXX XXXX XXXX Balance : : {$1400.00} Account # XXXX Creditor : : XXXX XXXX XXXX XXXX Balance : : {$730.00} Account # XXXX Creditor : : XXXX XXXX XXXX XXXX Balance : : {$1300.00} Account # XXXX Creditor : : XXXX XXXX XXXX XXXX Balance : : {$2000.00} Account # XXXX Creditor : : XXXX XXXX XXXX Balance : : {$790.00} Account # XXXX Creditor : : XXXX XXXX Balance : : {$120.00} Account # XXXX Creditor : : XXXX XXXX Balance : : {$230.00} Account # XXXX Creditor : : XXXX XXXX XXXX XXXX XXXXXXXX Balance : : {$190.00} Account # XXXX
Product: Mortgage

Ocwen Loan Servicing holds the second mortgage on my home. At the time I filed a Chapter XXXX Bankruptcy my payments were current regarding this loan. Ocwen stated that due to my current bankruptcy status they could no longer accept payments towards this loan. There was no basis either contractually - in the promissory note, or legally - as a result of the bankruptcy filing, for the beneficiary or its servicer to refuse to accept my payments. Instead it was a ploy to try to force me to sign a reaffirmation agreement on this debt, which I had no legal obligation to do so. Now they are attempting to add late fees and foreclosure fees to my loan balance, fees that were incurred as a direct result of their own unilateral action of unjustifiably refusing to accept payments. This is, to my view, an unfair and deceptive practice towards me that was likely repeated with many other consumers. I have suffered damages in the amount of lost wages, legal fees I incurred in fighting the foreclosure and doing the mediation and in the amount of late fees and foreclosure cost being tracked on the end of my loan balance. I lost my father less than a year ago and this additional stress caused by the threat of foreclosure has been unbearable!
Product: Credit reporting or other personal consumer reports

After reviewing my updated credit report, I am appalled at Experians repeated failure to address fraudulent accounts and unauthorized hard inquiries that I have previously disputed. I am writing again to demand immediate action to block and delete these entries in full compliance with federal law. 
As a XXXX XXXX and father, I carry the heavy responsibility of providing for my family, but these fraudulent entries have severely hindered my ability to achieve financial stability. This is more than just a disputeit reflects the systemic barriers I continue to face while trying to secure a better future for my household. Under 15 U.S. Code 1681c2, Experian is legally required to block all fraudulent information within 4 business days of receiving my identity theft documentation. Your failure to comply has violated my rights under the Fair Credit Reporting Act ( FCRA ).

Please remove unauthorized/fraudulent inquiries and accounts Fraudulent Accounts : XXXX XXXX Account Number : XXXX Balance : {$1500.00} Date Opened : XX/XX/XXXX Unauthorized Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX Please immediately delete and block the fraudulent accounts and unauthorized hard inquiries listed above XXXX XXXX must adhere to 15 U.S. Code 1681c-2 by blocking the entries within 4 business days of receiving this complaint. Experians continued inaction has already caused harm and is a direct violation of my rights under the FCRA. 

For violating my rights, I request you send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 


XXXX XXXX  XXXX XXXX, XXXX, NM, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM, XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX, NM, XXXX, XXXX XXXX XXXX, XXXX, MN, XXXX, XXXX XXXX XXXX, XXXX, TX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my consumer report on XX/XX/2021 from Experian, XXXX and XXXX  XXXX XXXX XXXX. When I received the report, there were accounts and inquiries listed that I never gave consent to be reported. According to 15 USC 1681a ( W ) the term " bureau '' means Bureau of Consumer Financial Protection. At no time have I ever signed a contract with Experian, XXXX and XXXX  XXXX XXXX XXXX ( widely known as two of the three major credit bureaus ) that would allow them to report my private information and/or to third parties. In accordance with 15 USC 1681a ( q ) ( 3 ) this constitutes as identity theft.
Product: Money transfer, virtual currency, or money service

I'm an oXXXX XXXX  at the XXXX XXXX XXXX and I received an email addressed to XXXX saying that there was a XXXX XXXX XXXX XXXX  available with one of the XXXX at the school, so I reached out to the number in the email. I explained my situation to them and they requested I send my resume. He asked some interview related questions, all sounding very in line with a XXXX XXXX XXXX They offered me the job and stated they would send documents vial email, at first glance, it showed that it was from the professors edu email, so I continued communications. He said i'd be starting right away and sent me my fist task, which was wo look up a laptop model, a laser ink printer, and a line dater stamp, and then he said to send him a cost estimate of the items, which I did.After completing the task he said he'd be sending me my first payment of {$350.00} along with the {$2000.00}, which I would need to purchase the items. He gave me very specific instructions on how to do a mobile deposit for the check, which included printing it the check, then endorsing it and adding my account number to the back of it for future direct deposits, and to then send him a screenshot proving it had been deposited. He said the funds would need to be available immediately to purchase the items. After doing this, he stated he had reached out to a sales rep who had the items ready, and that I would now need to send them the funds immediately so that they could ship me the items. He eventually told me that I was going to have to pay for the items out of pocket, and I proceeded to tell him that I did not have those kinds of funds. He reached back out saying he had spoken with his rep and that only half would be required to get the items shipped, fearing I was now holding up the Universities money, and desperately needing this job, I told him that I had {$800.00}, which he said was ok to get things moving. He then told me to XXXX the {$800.00} to XXXX XXXXXXXX XXXX XXXX and to send a screenshot afterwords. However, my bank thought this was suspicious and said since it was a new recipient that it was going to take 24 hours to release the funds. I sent them the proof he requested showing that I had initiated the transfer, and he responded back shortly stating that the funds had not been received, and to call my bank and see if I could recall the money and send it through XXXX instead. I called the bank and advised that the funds had been sent out, so I called them back and told them that the bank said the funds were already in his account. By this time my older brother responded to my earlier request to borrow money, and told me it sounded like a scam, so I quickly called my bank, explained the situation and filed a claim with them. They used XXXX to initially contact me, advising me to contact XXXX XXXX XXXX at ( XXXX ) XXXX for the internship opportunity, which I did, and then I was contacted from the email XXXX showing, as well as XXXX I have all of the emails. I filed a police report with the XXXX XXXXXXXX XXXX ( XXXX ), as well as a report with IC3.gov, and one with the FTC ( Report # : XXXX ).
Product: Debt collection

XXXX XXXX XXXX has an account opened by me on XXXX i do not know who these people are nor do i owe a debt to them please " delete '' this inaccuracy from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

All unauthorized, requested removal.
XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX  XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I opened an account with Coinbase, a US-based financial services company specializing in crypto currency. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, CA XXXX. I traded in virtual currency. They arbitrarily froze my account, would not explain why ( I read the customer agreement meticulously and ca n't understand why ), and now will not allow me to withdraw my money. I have contacted their customer service department at least a dozen times, and they will not do anything except sequester my funds, which are stuck in limbo due to this account closure.
Product: Credit reporting or other personal consumer reports

Dear Equifax, I, XXXX XXXX, am writing to address my formal dispute regarding the XXXX XXXX XXXX account ( XXXX ), which I reported on XX/XX/year>, as fraudulent and not belonging to me. Both XXXX and XXXX have verified and removed this account from my credit report after their investigations. However, Equifax has failed to take similar action despite completing its investigation on XX/XX/year>. 

On XX/XX/year>, I formally requested the procedure used by Equifax to determine the accuracy and completeness of the disputed account information. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), Equifax is required to provide this information within five business days of my request or to remove the disputed account from my credit file. To date, Equifax has failed to comply with either obligation. 

I demand an immediate explanation of the methods used in your investigation, including : The parties Equifax interviewed regarding this account. 
The specific steps taken to determine the accounts validity. 

Failure to comply with the FCRAs requirements not only harms consumers like myself but also exposes Equifax to liability under federal law. I expect an urgent resolution to this matter, including the removal of the fraudulent account from my credit report, as well as the procedural information I requested. If this issue is not resolved promptly, I will consider escalating this matter to the XXXX XXXX XXXX XXXX  in pursuing legal action to ensure my rights are protected. 

Sincerely, XXXX XXXX
Product: Student loan

I made a payment on XX/XX/year>2024 through my bank bill pay that was sent to their previous address. When funds weren't applied, I contacted and was able to speak to someone who said they'd find it & apply. I have since followed up several times, via their system & trying to contact via phone, but can not get any responses or anyone to actually answer phone. I provided proof the payment to them, as requested, and still nothing. I sent {$140.00}, it shows processed by bank on XX/XX/year>2024, yet, still not applied to my account.
Product: Credit reporting or other personal consumer reports

DATE : XXXX XXXX RE : REQUEST FOR REMOVAL OF INACCURATE COLLECTIONS FROM MY CREDIT REPORT DEAR SIR/MADAM, I AM WRITING TO BRING TO YOUR ATTENTION INACCURACIES PRESENT ON MY CREDIT REPORT, SPECIFICALLY RELATED TO CERTAIN CHARGED OFF ACCOUNT THAT ARE CURRENTLY BEING REPORTED. THESE INACCURACIES ARE CAUSING SIGNIFICANT DAMAGE TO MY CREDITWORTHINESS AND FINANCIAL WELL-BEING. 
I HAVE THOROUGHLY REVIEWED MY CREDIT REPORTS FROM ALL THREE MAJOR CREDIT REPORTING AGENCIES, AND I HAVE IDENTIFIED ACCOUNTS THAT DO NOT ACCURATELY REFLECT MY FINANCIAL HISTORY. THE INACCURACIES INCLUDE ACCOUNTS THAT DO NOT BELONG TO ME BECAUSE THE DEBT COLLECTOR PURCHASED THEM, AND I HAVE NEVER ENGAGED IN ANY BUSINESS TRANSACTIONS WITH THE THIRD-PARTY DEBT COLLECTOR. 

BELOW ARE THE DETAILS OF THE INACCURATE COLLECTIONS ACCOUNT : XXXX XXXX XXXX XXXX I AM AWARE THAT THE FAIR CREDIT REPORTING ACT ( FCRA ) GRANTS CONSUMERS THE RIGHT TO DISPUTE AND REQUEST THE REMOVAL OF INACCURATE INFORMATION FROM THEIR CREDIT REPORTS. IN ACCORDANCE WITH THIS LAW, I KINDLY REQUEST THE FOLLOWING : 1. VERIFICATION OF THE ACCURACY : I REQUEST THAT YOU INVESTIGATE AND VERIFY THE ACCURACY OF THE CHARGED OFF ACCOUNT LISTED ABOVE. PLEASE PROVIDE DOCUMENTED PROOF OF THE VALIDITY OF THIS ACCOUNT, INCLUDING ANY CONTRACTS, AGREEMENTS, OR OTHER RELEVANT INFORMATION. 

2. REMOVAL OF INACCURATE CHARGED OFF : IF THE ACCURACY OF ANY OF THE IDENTIFIED ACCOUNTS CAN NOT BE VERIFIED, I REQUEST THEIR IMMEDIATE REMOVAL FROM MY CREDIT REPORTS. THIS ACTION IS NECESSARY TO ENSURE THE ACCURACY AND FAIRNESS OF MY CREDIT HISTORY. 

3. UPDATED CREDIT REPORTS : ONCE THE INVESTIGATION IS COMPLETED AND ANY INACCURACIES HAVE BEEN CORRECTED, PLEASE PROVIDE ME WITH UPDATED CREDIT REPORTS REFLECTING THE ACCURATE AND AMENDED INFORMATION. 

I KINDLY REQUEST THAT YOU INITIATE THE INVESTIGATION PROCESS AS SOON AS POSSIBLE AND RESPOND WITHIN THE XXXX TIME FRAME MANDATED BY THE FCRA. YOUR PROMPT ATTENTION TO THIS MATTER IS GREATLY APPRECIATED. 

PLEASE SEND ALL CORRESPONDENCES RELATED TO THIS DISPUTE TO MY ADDRESS LISTED ABOVE. I AM PROVIDING THIS INFORMATION TO FACILITATE COMMUNICATION REGARDING THIS ISSUE. 

I VALUE THE ACCURACY AND INTEGRITY OF MY CREDIT REPORTS AND TRUST THAT YOU WILL CONDUCT A THOROUGH INVESTIGATION TO RESOLVE THIS MATTER EFFECTIVELY. IF YOU REQUIRE ANY ADDITIONAL INFORMATION OR DOCUMENTATION TO ASSIST IN THIS PROCESS, PLEASE DO NOT HESITATE TO CONTACT ME AT XXXX THANK YOU FOR YOUR PROMPT ATTENTION TO THIS MATTER. I LOOK FORWARD TO A TIMELY RESOLUTION AND THE CORRECTION OF THESE INACCURACIES ON MY CREDIT REPORTS. 

SINCERELY, XXXX XXXX
Product: Debt collection

This notice was mailed via US Certified Mail directly to Commonwealth Financial Systems ( USPS Tracking # XXXX ) and disputes have been sent to both XXXX and XXXX XXXX. My consumer protection attorney has also been notified of this collectors continued attempts to call me during working hours though I've advised them to not contact me at work. In addition, I've requested validation over the phone and this company advised me that they in fact due not have a HIPPA release to possess my original records for this alleged debt. 

I received information that you are attempting to collect the above-listed alleged debt Please be advised, regardless of your records, I dispute the validity of the alleged debt In its entirety. Be further advised that I request the name and address of the original creditor, along with an agreement with my *original signature* binding me to the alleged debt, in addition to an itemized statement of the alleged debt within 30 days of receipt of this letter. Please provide me with the following : 1 What the money you say I owe is for 2. Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe, with my original signature agreeing to pay this amount : 4. Identify the original creditor and their contact information : 5. Prove the Statute of Limitations has not expired on this account : 6. Show me the you are licensed to collect in my state : 7. Provide me with your license numbers and Registered Agent or Agent of Service : Commonwealth Financial Systems is attempting to collect a debt and money that I do NOT owe. As per the law, cease and desist all collection activity including any and all credit reporting ( to all major reporting agencies ) including XXXX/XXXX/XXXX. The Consumer Financial Protection Bureau is authorized to investigate this matter and receive related information as required by US law. If Commonwealth Financial Systems fails to comply with this notification, it may be turned over to an attorney. Please be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claims are disputed and validation is requested.
Product: Debt collection

I am filing a complaint against Transworld Systems Inc. ( TSI ) for violation of State and Federal debt collecting laws. TSI, a third-party debt collector that is collecting an alleged credit card debt on behalf of XXXX. TSI is in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c and the State of Texas Debt Collection laws under Title 5. Chapter 392. Specifically, FDCPA 15 U.S.C. 1692c 805. Communication in connection with debt collection and 806. Harassment or abuse, and Texas Finance Code Sec. 392.302.for using the telephone to harass me, and failing to abide by a cease and deist communication order. Additionally, TSI does not have a surety bond and has not filed a copy of the bond with the Office of the Secretary of State in the State of Texas and is in violation of State law by engaging in debt collection in Texas. 
Note, in XX/XX/XXXX, I notified TSI in writing to cease and desist any communication with me, as well as my family and friends, in relation to the alleged debts owed. I advised that I did not want to be harassed repeatedly using the phone to annoy me by calling my home multiple times per day. The phone calls ceased altogether shortly thereafter. For some unknown reason, on XX/XX/XXXX, TSI resumed its harassing phone calls to my home, leaving voicemail messages with my personal information. The calls are originating from different local phone numbers with the prefix of ( XXXX ) XXXX, and XXXX XXXX XXXX XXXX. I am attaching a screenshot of the voicemail log that I printed out from the XXXX XXXX XXXX ( home phone provider ) which contains a log with the phone numbers, dates, and times of the calls. The voicemail messages which have been preserved, state the following : This is an important message from Transworld Systems Incorporated a debt collection company. This is an attempt to collect a debt and any information obtained will be used for that purpose. Please return the call to XXXX XXXX at XXXX XXXX XXXX XXXX. Again, that XXXX XXXX at XXXX XXXX XXXX XXXX. Thank you. Transworld Systems Incorporated is a debt collection company. This is an attempt to collect a debt and any information obtained will be used for that purpose. When calling please refer to your ID code XXXX. Thank you. ( screenshot of the transcribed voicemail is attached as well ) I have never revoked or withdrew my cease and deist notice. I have also not been in contact with TSI for some time now. Therefore, I am confused about why TSI has resumed contact, especially about this alleged debt that has been disputed multiple times over.
Product: Debt collection

I contacted this company on numerous occasions asking them to validate the debts to which they have reported on my credit profile. However, I never received a response form the company. I went online and disputed the same accounts through the credit bureau to which they replied the accounts were mine. I will ask one last time for a debt validation on these fraud accounts. I am asking for a copy of the contract which contractually binds me to these debts. There are XXXX accounts beginning with the number XXXX which are reporting. I will not hesitate to contact a consumer attorney if these accounts are not deleted. I have been denied credit on XXXX occasions because of their unethical tactics to get me to pay a debt I do n't owe. I know that my rights have been violated. Please govern yourselves accordingly.
Product: Credit reporting or other personal consumer reports

Upon inspection of my credit report, I noticed the following information is incorrect : My full name- There should be no other names listed on my report. Please remove all the other names you have listed as they are incorrect. 

My date of birth is reported incorrectly. 

My social security number is reported incorrectly. 

My current address - Any other addresses are undeliverable, and I have no access to them. Please remove these incorrect addresses immediately. 

You have an employers listed. These are not my employers, please remove from my report. 

I do not wish to have any telephone numbers on my report. 

Attached is the supporting documentation to validate my dispute. Please update your records promptly.