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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries : XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I reached out to the XXXX  Department of Economic Security - Division Child Support services along with XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX courts on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX regarding misreporting on all of my credit profiles. Inquired if they had any signed documents they could provide me with my legal signature indicating I agreed to any personal loan and/or/ promissory note as to why they're reporting on my credit profiles I have a personal loan with the XXXXXXXX XXXX XXXX. No answer or information a has been provided to me as of todays date XX/XX/XXXXXXXX  Under 15 U.S. Code 1681 I request that any and all account information listed be CLOSED & removed immediately & permanently for case numbers XXXX XXXX Case No. XXXX ( FSR - XXXX ) ; CO IV-D Case No. 
XXXX ( FSR XXXX XXXX XXXX XXXX XXXX Case No. XXXX ( XXXX  XXXX. ) All of these ACCOUNTS have been created illegally without my permission or knowledge. And THESE ACCOUNTS have been and are currently illegally taking money from me as a result which is fraud.
Product: Debt collection

As a XXXX  resident with exposure to XXXX, and currently in other litigation regarding mortgage fraud, I have requested that this debt be put on hold. XXXX continues her harassing behavior, sending collection notices and use aggressive language when I try to discuss the matter.
Product: Money transfer, virtual currency, or money service

XXXX Bank they hold a Federal Loan Check claiming was fraudulent, The check was from an account in the same bank and the check was coming from Federal Funds. They still claiming the check was fraudulent and have to sent ton of documents and still making me wait to get my money. Terrible experience
Product: Debt collection

LTD ACQUISITION LLC XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX, XXXX, XXXX To : The office of Registered Agent for LTD ACQUISITION LLC From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent '' that you and XXXX XXXX XXXX XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association passing XXXX XXXX XXXX private and personal information to other members, possibly resulting in identity thief. Also, relating information to personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Consumer disputes this debt and ALL claims in accordance of 16 CFR 433.2, Title 15 USC 1692, Regulation Z, Regulations M and All applicable UCC Articles.

If you lack understanding of this paperwork, forward to your ATTORNEY. 

Govern yourself accordingly By : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to provide an update regarding my ongoing dispute with Experian. Despite my previous complaint and your involvement in the investigation, Experian has failed to correct or address the inaccuracies in my credit report. They continue to provide the same response without making any meaningful corrections or conducting a thorough review of the issue. 

I have submitted all necessary supporting documentation, yet Experian has not taken appropriate action to rectify the errors. Their repeated failure to investigate and correct the disputed information is negatively impacting my credit standing, and I am seeking further assistance from the CFPB to ensure compliance with the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

have previously reached out to Equifax with my concerns. Unfortunately the company 's investigation into this matter was not to my satisfaction. Please be advised that this is causing me financial stress/damages. Equifax 's failure to provide an appropriate legal and lawful response will result in further action. In the event that Equifax fails to provide such response within 14 calendar days will be perceived as the company 's acceptance that these debts are not valid. Please verify, validate and document that I am LEGALLY obligated to pay these alleged debts. A previous response of " been verified '' will not be accepted as an appropriate, legal nor lawful response this time around. PLEASEREMOVE THE FOLLOWING IMMEDIATELY XXXX XXXX  # XXXX XXXXXXXX XXXX XXXXXXXX # XXXX XXXX XXXX # XXXX PXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My name XXXX XXXX, a Federal protected consumer me, and I am making this complaint against Credit Management LP. for committing identity theft. I have never given XXXX XXXX XXXX any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. XXXX  demanding a cease and desist of all illegal activity, any communication and collection activity of this and any alleged debts until Credit Management LP can provide me with sufficient documentary evidence, such as a trilateral contract, that I have any legal obligation to pay them. If this documentary evidence can not be produced and Credit Management LP continues its collection efforts, I will file for XXXX for actual damages caused and Credit Management LP will be held XXXX  liable for XXXX XXXX XXXX pursuant to 18 USC 1028A. extortion, theft, by deception, securities fraud and mail fraud and provide me proof your license to collect in my State. Upon the receipt of documents herein and of this notice, you are hereby notified, Pursuant UCC 1 - 202f. Your Prompt attention and response are both requested and required Account # XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. My data has been breached so much I dont even know where the consumer protection 's are. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I have a data breach XXXX XXXX with XXXX it was my XXXX account. I looked at the credit report and it was not on my XXXX dispute with XXXX XXXX XXXX XXXX XXXX XXXX of my XXXX account. I asked to review the account with the dispute teams with the credit bureau I contacted the bank and it was not showing up on my XXXX XXXX number log in from my dispute with my XXXX phone from XXXX XXXX  XXXX I contacted the log in with XXXX XXXX. I did a log in with the XXXX  account it was showing fraudulent records on my email XXXX XXXX I asked to put the account on my XXXX due process of payment with XXXX  tax refund. I filed a XXXX affidavit with the company showing it was mishandling funds but it was lost with my phone on the file. I asked to file a complaint with the FTC and get back yo me with the identity theft. I see the account was embezzled. I was showing records to entitled financial debts, which happen when the tax lien from XXXX XXXX said the phone was compromised and the credit bureau could not process the payment with the identity theft without following up with the data breach papers with XXXX XXXX XXXX  XXXX XXXX I looked at the phone the records were stolen inaccessible and the data was distorted on my XXXX email with XXXX. I see it showed here was in a data breach with XXXX and the was compromised on my server as identity theft from XXXX XXXX XXXX XXXX XXXX  for {$110000.00} tax XXXX and any other tax debt from the credit bureau that raised on the credit bureau. So I followed the XXXX to the servers I see it was a XXXX XXXX  with XXXX XXXX where the data breach occured on my XXXX XXXX from my normal log in considering it did not go through on my Experian Credit report it was on my dark web for bad credit mortgage XXXX XXXX XXXX XXXX entitled error background report from the XXXX XXXX  scheme showing it was paid then XXXX XXXX could dispute it on the credit report with Experian showing it belonged to XXXX XXXX XXXX. I ask the Experian dispute the error with Experian XXXX XXXX XXXX. So we can show the account was hacked along with the financial statement from the bank. It was deprived of its losses from the cyber security incident with the unsolicited fines of a merchant from a XXXX due process of payment to my bank for money fraud wire tap transfer of my bank from the credit lender.
Product: Credit card

On XX/XX/13 my wallet was stolen. I got 2 Target credit cards that did not work after i reported theft. On XX/XX/XXXX i called to make a payment and found my account in a negative {$4700.00}. Someone had made a Target credit card online account and paid my account twice. Then charged 2 purchases XXXX with a card i never received. I sent a fraud questionnaire reporting the 2 fraudulent payments and 2 purchases. I am certain this occurence is identity theft. I froze my credit bureaus, i put extra security on my social security and kept calling Target 2x a week for updates. 
My life has been in upheavle. I am a struggling single parent and take care of my mom. 
I have only received 3 letters from them 1 stating that MY payment of {$4900.00} was not cleared ( i never made a payment of that amount ) and another said that Target made a mistake in paying {$4900.00} to my account. They credited the 2 fraudulent purchases. 
Now they said today they will not honor any compromise for all the trouble this identity theft cost me. Isn't it a crime to knowingly allow my account to be exposed to someone else? This person created an online account and paid my balance to then use my information? Isn't Target wrong to not acknowledge the trouble and stress i experienced. I would like to lower my balance and set a payoff amount and close business with Target. 
I have copies of everything. I will not sit back and allow such unfairness to befall me while they pretend reverting everything the perpetrator and themselves did and then tell me it's 'fixed '. 
Please help. I can not afford a lawyer. I know what happened to me was wrong and i was honest to report it.
Product: Debt collection

I left XXXX as a customer in the beginning of XXXX XXXX I was told my last bill would be XX/XX/XXXX which was paid. I was sent a notice in late XXXX that I had an outstanding balance left, I had since moved to another state ( XXXX XXXX XXXX XXXX ) and I didn't have access to a XXXX  store. I called the number on the notice and all they told me was that they couldn't tell me anything over the phone since I was no longer a customer. I when I to a XXXX store in late XXXX when I finally had the opportunity to and they said that I had equipment out still. I returned the equipment and have a receipt that I was delivered and I heard nothing else since then. Then come late XXXX I get a notice that the bill was now {$400.00} and was sent to collections, I contacted XXXX again on XX/XX/XXXX and went into the store they could not and would not tell me what the debt was actually for so I had to contact the collections company ( Amsher collections ) to get the details, so I did they said that I have to talk with their legal team since is with them now. I contacted the legal team and they said they would send me a itemized and detailed list of what the debt was for. I have not received any notice and when I contacted them again on XX/XX/XXXX and XXXX they said that it was sent and since they already sent it once they can't send it again.
Product: Credit card

Hello, I signed up for PayPal XXXX early in XXXX. They were offering no interest on some purchases if paid in full. I started to suspect something fishy so I closed the account. I also paid off all the promotional purchases before interest was accrued. Apparently the consumer has to call in and designate where they want their payment to go towards. What? Is this legal? 
I cant tell you the amount of time Ive spent calling and chatting. In XXXX I had an agent that actually cared we spent over an hour on the phone. She agreed that theres a double payment being charged. She was sending my case to XXXX different areas within XXXX XXXX. Its now XX/XX/XXXX and theres no resolution. Im disputing a portion of the remaining balance I owe. I need some help please. This is unfair to the consumer and its designed to keep us in debt while they get rich. They beed to be transparent!
Product: Credit reporting or other personal consumer reports

Certainly! Heres a template for a dispute letter regarding inquiries on your profile. Feel free to customize it to fit your specific situation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XX/XX/year> XXXX, XXXX, Experian Subject : Dispute Regarding Inquiries on My Profile Dear Consumer Finance, I hope this message finds you well. I am writing to formally dispute the inquiries associated with my profile, which I believe to be inaccurate or unauthorized. My profile details are as follows : Name : XXXX XXXX XXXX XXXX : XXXX Upon reviewing my profile, I noticed multiple auto loan inquiries such as pXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Also personal information is accurate as well. Addresses, phone numbers, as well as Names are incorrect and need to be corrected and removed as well as the hard inquiries. These discrepancies have raised concerns for me, and I would like to address them promptly. 

Section 609 ( a ) of the FCRA generally requires consumer reporting agencies to, upon request, disclose all information in the consumer 's file at the time of the request and the sources of the information. 

I kindly request that you investigate these inquiries and provide clarification regarding their legitimacy. Additionally, if any inaccuracies are found, I ask that you take the necessary steps to rectify my profile accordingly. 

I appreciate your attention to this matter and look forward to your prompt response. Please feel free to contact me at XXXX or XXXX should you need any further information. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Mortgage

Because of non-cooperation from XXXX XXXX senior claims representative and it forced me to call your headquarters office and spoke to XXXX XXXX and XXXX XXXX both were under the impression that I had an open claim with XXXX XXXX. 

What is the status of newly discovered Claim no. XXXX? 

What is the status of Claim XXXX?
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX has Violated my rights 15 U.S.C. 1681 Section 602 A. States I Have the right to Privacy 15 U.S.C. 1681 Section 602 A Section 2. It also states a consumer reporting agency can not furnish my account without my written instructions
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX {$12000.00} This company has willingly and knowingly violated my rights as a consumer. This company is in violation of the Fair Credit Reporting Act and the XX/XX/XXXX- XXXX XXXX. Violations of the XXXX XXXX for non-compliance can result in fines up to {$100000.00} per each violation for financial institutions.With that being said this company along with XXXX, XXXX, and XXXX have been notified of the violations by me and no action has been taking. I am depending on the CFPB to make sure action is taking and to show these companies, organizations and institutions that they are not above the law. 

Under the XXXX XXXX XXXX U.SC. XXXX et seq. also known as the XXXXXX/XX/XXXX XX/XX/XXXX, I the consumer should be giving the option to opt out of my nonpublic personal information being reported to or with non-affiliated third parties. The opt-out notice must be must be explained clearly by financial institutions and provided in writing at the time of an in-person transaction and electronically for a online transaction. 

This option was NEVER provided to me! I request that this account be deleted and no longer be reported on my credit report.
Product: Mortgage

My husband and I applied for a VA mortgage refinance through Navy federal Credit Union on XX/XX/XXXX. My husband and I wanted to take advantage of the lower rates given all of the economic uncertainty created by the pandemic. After we applied we promptly submitted all paperwork by XX/XX/XXXX and were told to await processing but that it could be up to 6 months due to high application volume. I called again XX/XX/XXXX to ensure they had everything they needed from us and see if there were any updates on our application. They had no updates for me and told me to continue to wait patiently. I had our fourth baby XX/XX/XXXX. So, I didnt call again and continued to wait until XXXX. On XX/XX/XXXX I called to check on the status and was told our application was denied because they found no mortgage even though my submitted paperwork was still in processing according to their system. We also never received one call or letter from their loan processing department. The representative I spoke to couldnt make any sense of this and said he had never seen something like this before. He connected me to the loan processors voicemail so I could leave a message but he was unable to provide me any further details. I left her a message and waited a week but received no call back. I called again today, XX/XX/XXXX to which I got the same information and was transferred to her voicemail again. I spent over 40 minutes on the phone trying to get someone who could give me any answers today. Im now waiting for another call back that Im not expecting to actually receive. 
Considering the current economic climate and the ongoing pandemic we are relying on this application to be honored and processed correctly. We had a locked in rate from XX/XX/XXXX that we need honored. 
We 100 % qualify for this refinance and would like Navy Federal to do their job correctly and stand by veterans, especially during this unprecedented time. Could you please look into this for us and help us?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing in response to your notice about an alleged debt. ( XXXX XXXX XXXX XXXX ). Before I can confirm or dispute this debt, I am formally requesting additional documentation under the Fair Debt Collection Practices Act. 
Please provide the following within 30 days : A copy of the original signed purchase agreement, contract, or other documents showing that I entered into this debt voluntarily and that you are the legal owner of this debt. 
A full accounting of the debt, including the original creditor, the amount owed, interest rate, fees, payment history, and the date you acquired this debt. 
Your license and credentials to collect debts in GEORGIA. 
Written notice of my rights to dispute the validity of this debt within 30 days under the FDCPA. 
I expect this requested information to be provided in full before I can respond further on this alleged debt. Please send physical copies of all documents to my address below. I look forward to your response within 30 days as required by law. 
Thank you for your cooperation.
Product: Debt collection

This debt is fraudulent. It is due to identity theft. I have no information about this. I have contacted the collection agency located in XXXX, OR, via certified letter, informing them that this debt is a result of identity theft. I have also contacted XXXX and XXXX regarding this fraudulent debt. All the information I have on this company was provided by the aforementioned credit reporting agencies. I have not pulled my credit report from XXXX yet. According to XXXX this debt was reported XX/XX/2017 in the amount of {$1300.00}. It was written off/closed some time thereafter. I will absolutely not pay this debt. I did not open the account with the original creditor and I most certainly will not pay some collection agency in Oregon
Product: Debt collection

I do not owe a debt to your company, Portfolio Recovery, of any kind. I have told your company thru the person calling not to call my phone number again but you continue seven days a week, anytime between morning and night. I am a XXXX person and your incessant phone calls are putting me at risk. I do not have any debt with you. You have been doing this for months so I am finally reporting you to the Consumer Financial Protection Bureau as you will not comply with my request not to call me. I am sorry it has come to this but you have left me no choice.
Product: Credit reporting or other personal consumer reports

Please remove these items from my credit report XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX