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

THIS IS A NOTICE OF DISPUTE. RECENTLY I LOOKED AT A COPY OF MY CREDIT REPORT AND NOTICED SEVERAL INACCURACIES. THIS ACCOUNT IS HURTING MY ABILITY TO OBTAIN CREDIT. IT IS MY UNDERSTANDING THAT YOU WILL INVESTIGATE THIS ACCOUNT TO ENSURE ACCURACY. 

XXXX XXXXXXXX
Product: Checking or savings account

I disputed XXXX transactions on XX/XX/year> and was told in XXXX business days I should receive a provisional credit while they work on contacting the merchant on the XXXX business day I received only 1 credit I called and asked what was the issue/reason behind them surpassing their given time frame for the provisional credit and I was told they would have all XXXX of my credits applied to my account on XX/XX/year> by XXXX as of XX/XX/year> I received one credit on XX/XX/year> 1 credit on XX/XX/year> and as of today still nothing has been received from the bank for the final credit in the amount of {$400.00} XXXX filed a complaint with the dispute department on XX/XX/year> for the bank not following through with their standards and time frame for handling my dispute and as of XX/XX/year> I was told no updates has been received from the merchant and no reason as to why the bank has yet to follow through with my credit being applied to my account
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report. please remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX .... Balance : {$5700.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX .... Balance : {$560.00} XXXX XXXX XXXX XXXX Balance : {$5200.00} 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

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

XXXX5 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
Product: Credit reporting or other personal consumer reports

Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX My correct date of birth : XX/XX/year> My correct Social Security number : XXXX My correct address is : XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My employer is : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For years I have been a victim of identity theft & have taken all necessary steps to prevent any further damage to my credit file. After 5+ years of trying to resolve this distressing issue and thousands of dollars later, I thought this issue was behind me and my life was back on track.
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On or around  XX/XX/XXXX  I contacted Equifax to inquire if my file contained mis-merged or mixed files. Equifax said there were no mis-merged or mixed files in my credit file. Therefore, all of the fraudulent information reported by the other three credit bureaus should have been reported by Equifax.
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On or around  XX/XX/XXXX , Equifax responded with an absurd letter after requesting credit monitoring & disputing fraudulent information requesting additional documentation to process a security freeze. My dispute never mentioned or requested a security freeze. Equifax did not conduct a reasonable reinvestigation to determine whether the disputed information was accurate or complete. Therefore, in  XX/XX/XXXX  Equifax willfully and intentionally violated 15 U.S.C. 168li by failing to act as prescribed by federal statute after receiving notice of a dispute from a consumer.
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To not elaborate about every single attempt after XX/XX/XXXX using the same or similar tactics with the same outcome, I will fast forward to the last few months starting with  XX/XX/XXXX . I again attempted to correct incorrect items for an Erroneous reporting account for the one and only negative account showing on my Equifax report. After making repeated attempts from  XX/XX/XXXX  up until  XX/XX/XXXX  sending every 609 letters & providing original contract & legal binding documents Equifax continued to report incorrect information.
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As of today   XXXX   XXXX   in the Consumer Affairs unit has placed every negative account back on my file that was removed as fraud and have advised they will not be removed. Furthermore,   XXXX   XXXX   XXXX   has advised I will not have access to my file unless I request by mail and no creditors will have access unless I call
Product: Mortgage

My wife and I are in the process of building a new home on our property in XXXX ( county if that matters for some reason ). We have contracted with a local company called XXXX XXXX XXXX to build the home. XXXX does not offer a turn-key home, so we were looking for a bank that would allow us to act as our own GC. A friend got involved and referred us to a Loan Officer at XXXX XXXX named XXXX XXXX. We gave him all the information including that XXXX has a draw schedule that is different and that they don't deliver a turn key house. The friend that referred us ( XXXX XXXX ) and the Loan Officer figured that XXXX was a contractor and that we would step in as the GC. We had many issues with the Loan Officer but eventually we closed out our one-time close conventional loan in XX/XX/XXXX with the financial institute AFR. When we tried to get our first draw from AFR we ran into problems, which started in XX/XX/XXXX. AFR determined that XXXX XXXX was not actually a licensed or insured GC like he told us, but was using information from a company he was affiliated with ( he told us it was his company ), XXXX XXXX XXXX XXXX AFR admitted they did not vet XXXX at all, even the Contractor License he supplied them with was expired prior to closing. In XX/XX/XXXX when this came to light AFR said we were still responsible for the loan and we had to find a new GC and pay out of pocket for them. We were able to find another GC to work within our budget. Last week we spoke to yet another person at AFR who was very supportive and talked about how it seems that XXXX XXXX and XXXX XXXX committed fraud and said they were going to review our contract to get us more time to finish the build instead of the XX/XX/XXXX date ( 1 year from closing ). Earlier this week they called to say the only options to us are to pay off the {$10000.00} outstanding on our mortgage with them ( which only includs closing costs from our closing with them, we have been paying the amount due of {$50.00} every month since XX/XX/XXXX ) and start again with a new bank. Or we can refinance with them and pay new closing costs on the refinance. 

We have paid out of pocket up to this point. We have permits for the septic and building permits that were required that we get before they would close, and we paid out of pocket for the excavation and building of the pad because they said they were working on getting the draw situation organized. When I told them those options weren't acceptable they said they have zero responsibility to vet a builder and it's our fault for hiring the loan officer and they will have their lawyers contact us and hung up. We are now in a position where our permits will eventually expire, we will be out of contract with our builder and just have additional debt for construction and building permits for a home that does not exist. I have no clue where to even start with finding a lawyer.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Unauthorized withdrawal, {$2100.00} on XXXX XXXX XXXX. Fraud or bank error, from my Citizens Checking Debit Card account. 
Citizens has not been honest or transparent about how this happened. They have told me three different reasons through two different customer support and service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an existing credit card with Capital One. We agreed to a repayment plan. The debt was charged off by capital one in 2015. Capital One continues to report this as a recent bad debt. The debt has been renegotiated and I have made payments on time every time.
Product: Debt collection

I called them at number : ( XXXX ) XXXX on Tuesday XX/XX/XXXX to discuss the matter and I left a voice mail, but no one called me back. 
This is regarding Account number ( XXXX ) for XXXX XXXX XXXX that was purchased from the dealer and the account was closed ... I can't see or access the account on XXXX webpage any more, and for account ( XXXX ) XXXX XXXX that was replaced with another vehicle of XXXX  XXXX and the account was closed and not showing on the website any more. 
If I still owe anything on those vehicles, the dealer should have notified me before I do any deal with them because they closed both account and I was not aware of any left balance because to my knowledge I paid everything online and with XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Hello, I am writing to urgently inform you that my personal information has been compromised in a recent national data breach. Upon reviewing my credit reports, I discovered several unfamiliar accounts that appear to be associated with my name. In response, I have requested debt validation from the credit reporting agency, but to date, they have not provided the necessary information.

As my personal data has been exposed, I have filed a formal complaint with the Federal Trade Commission ( FTC ) regarding the unfamiliar accounts.

For your reference, I have attached the following documents : A copy of my ID The FTC complaint detailing the fraudulent activity A National Data Protection ( NPD ) rep
ort confirming the breach

of my personal information The debt validation request letter I request your immediate attention to this matter and look forward to your prompt response. Thank you for your understanding and cooperation.
Product: Credit card or prepaid card

I got a credit card with XXXX to make a big purchase where they offered me a store credit card and told me I would not be charged interest for a year and I would then have to start paying interest after the year was up. I then got the card and made payment when the offer was up I got my balance down to XXXX believing I would only be charged for that remaining balance interest. I then got charged XXXX in interest in XX/XX/XXXX, immediately after I realized the charged I called XXXX XXXX ( Comenity Bank ) to try and reverse it so I could pay my card off without the charge because I never once saw that I would be charged that amount. On the first page of my statements it didnt say I was getting charged interest and at the time I did not know what a accrued interest was. It wasnt until after I noticed the charge I seen all the information about the amount being charged was on the last page of the statements. I then contacted the company and they did nothing. All they did was explain the promotion which should have been explained to me at the time I was signed up for the credit card. The information they provided was misleading and all they wanted was for me to sign up for a credit card. I then did further research on the topic and feel like they are in violation of regulation Z in truth in lending. I read that the information that they provided on the last page of my statement is meant to be in the front page And it is not. Statements also says 0 interest being charged for the month on the first page which was very misleading I contacted them as soon as possible to try and reverse it and pay off the bill but they are not trying to work with me at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

This company ( Diversified Consultant ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA.

Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other  than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Missouri Division of Finance is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises.

Rescission of Contract. Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office.

Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my God Given name ( XXXX XXXX : House of XXXX ). 
1. Validation of the debt ( i.e. the actual accounting showing <house of XXXX : Shayla> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ; 3. A copy of the original contract signed by both parties and therefore binding both parties to the agreement. 

They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX student loans and each reporting agency is showing that I have several more than 7 XXXX XXXX is reporting XXXX, Equifax is reporting XXXX, and XXXX is report XXXX. Several have account numbers that do not corespond with the XXXX of XXXX.
Product: Debt collection

On XX/XX/2018 I filed a complaint about this exact same claim of debt with another debt collector and it was deleted because it could not be verified. Now this company is reporting the same debt claim and never once contacted me by phone or mail. This is damaging my credit and I have placed a fraud alert on my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry on my report from Capital One. I have never applied for a credit card with this company, and need it taken off immediately.
Product: Bank account or service

The US Bank cancelled my Checking Account 's Overdraft Coverage without Notice because according to US Bank Manager, XXXX XXXX XXXX, XXXX XXXX XXXX, the US Bank knew that I could have changed my direct deposit funds electronically to another Bank .Additionally, Manager XXXX XXXX stated another reason for the Cancellation. He stated that the US bank letter dated XXXX/XXXX/15 was " computer made '' due to the XXXX " cycle '' and He did not have any responsibility to seek an immediate solution. Because of the US Bank decision to Cancel my Checking Account 's Overdraft Coverage It cost me XXXX minutes of cellular telephone minutes, {$30.00} dollars additionally minutes to keep my phone active and severe emotional stress harmful for my well being. As of Today, the US Bank FAILED to clearly explained their motives for the cancellation of the agreement while kept collecting all overdraft fees of {$36.00} per overdraft and {$25.00} weekly fees. 
Worst yet, the US bank 's Customer Services representatives including XXXX XXXX XXXX XXXX XXXX XXXX did not have knowledge on how to resolve this Cancellation knowing that the US Bank collected all fees, that the Overdrawn amount was secure by an electronic direct deposit scheduled for XXXX/XXXX/15 of {$1500.00} that covers the amount of {$720.00}.
Product: Credit reporting

XX/XX/2015 I have disputed the following accounts XXXX XXXX, account # XXXX XXXX county probation account # XXXX XXXX account # XXXX in each instance I have requested an investigation all XXXX accounts are reporting incorrect information they refuse to insert the correct information this is the 20th time I have requested for the correct information be inserted
Product: Credit reporting or other personal consumer reports

I filed a dispute on XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX due to XXXX  XXXX & Natural Disaster XXXX denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( experian ). 
They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! XXXX has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances ' getting home. XXXX violates my rights as a consumer, as well as federal laws.
Product: Mortgage

My loan is currently serviced by Nationstar Mortgage. This letter is in regards to excessive fees that I feel I am being charged on my loan. I tried to make contact with Nationstar Mortgage numerous times and was told that they would not speak to me due to the fact that this matter is in litigation and there are certain litigation codes on the file. Nationstar Mortgage advised me to contact their law firm XXXX XXXX. That law firm advised that they can not talk to a represented client, so, Nationstar Mortgage advises me to talk to their lawyer to remove their litigation codes, but their lawyer can not ethically and professionally speak to a represented person. 

On XXXX XXXX, 2015 a request was made to XXXX XXXX for updated Reinstatement & Payoff figures on my loan. 

On XXXX XXXX, 2015 I received a copy of the XXXX & XXXX quote from XXXX XXXX. After reviewing the payoff quote provided by XXXX XXXX, there are numerous fees that I feel are excessive and no explanation is given in regards to the fees. The lender paid expenses are unexplained and excessive, the pending advance expense is unexplained, corporate advances are unexplained and excessive, charges for reinstatement & payoff quotes have been charged on my loan and the payoff quote includes non-adjudicated attorney 's fees. Examples are listed below for your review. 

Escrow Advances $ XXXXXXXX Recording Fee $ XXXX Advances : $ XXXX Inspections $ XXXX Fees $ XXXX Fees MET XXXX $ XXXX Fees XXXX Hearing XXXX ( XXXX $ XXXX Fees XXXX XXXX XXXX $ XXXX Fees XXXX Hearing XXXX ( XXXX ) $ XXXX Fees XXXX XXXX $ XXXX Exam $ XXXX Recording $ XXXX Fee $ XXXX Filing $ XXXX - XXXX - XXXX @ {$40.00} $ XXXX $ XXXX of Process $ XXXX of XXXX $ XXXX of Process $ XXXX of Process $ XXXX Attorney Fees and CostsAttorney Fees Mediation/Conc Conference Estimate $ XXXX Fees Mediation $ XXXX Fees XXXX Estimate $ XXXX Fees XXXX Hearing XXXX $ XXXX XXXX XXXX XXXX XXXX $ XXXX. XXXX Release Estimate $ XXXX letter good through XXXX $ XXXX letter good through XXXX $ XXXX XXXX Fee $ XXXX loan number is XXXX state of Florida XXXX XXXX of XXXX case number is XXXX.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its obligation under the fcra Fair credit reporting to conduct a reasonable reinvestigation of a dispute information on my credit report leave it in accurate or unverifiable accounts unresolved cfpb has recently filed a lawsuit against XXXX  a legend synthetic issues such as felons to forward consumer provided evidence to the furnitures and they have not corrected and or removed all of the incorrect accounts off my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

AccordingtotheFairCreditReportingAct,Section609(a)(1)(A),youarerequiredbyfederallawtoverify-throughthephysicalverificationoftheoriginalsignedconsumercontract-anyandallaccountsyoupostonacreditreport.Otherwise,anyonepayingforyourreportingservicescouldfax,mailoremailinafraudulentaccount.IdemandtoseeVerifiableProof(anoriginalConsumerContractwithmySignatureonit)youhaveonfileoftheaccountslistedbelow.Yourfailuretopositivelyverifytheseaccountshashurtmyabilitytoobtaincredit.UndertheFCRA,unverifiedaccountsmustberemovedandifyouareunabletoprovidemeacopyofverifiableproof,youmustremovetheaccountslistedbelow.XXXXXXXX;XXXXXXXX