23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have been violated by XXXX on XX/XX/2021. I am a victim of identity theft and had an lawful inquiry reported on my credit. Experian, which is an elaborate mechanism has assumed a vital role in deeming my creditworthiness and credit standing. To assume means to take for granted without proof as the basis of argument. It is unlawful for any creditor to discriminate against any applicant who in good faith exercises their right under XXXX5 U.S. Code 1691. I have been brutally abused and deceived. Listed below are the laws that protect me as a natural person and consumer from the abusive practices exercised by consumer reporting agencies. 
15 U.S. Code 1640 15 U.S. Code 1681 15 U.S. Code 1681n 15 U.S. Code 1691 15 U.S. Code 1692c Please remove this inquiry from my credit report.
Product: Student loan

For many years, I have been paying an extra amount ( {$100.00} I believe ) a month as to pay off my student loans early. Two years ago ( XXXX 2015 ) I was purchasing a home and my lender told me my student loan payments were too high. I called Navient and requested that they return my payments back to the original agreed monthly amount ( $ XXXX ). I was told by the company that this was not possible. The only option they offered was a solution to reduce my payments over the following two years and then increase them. I protested several times and they continued to say that this was the only solution they could offer. My payments have now ballooned to $ XXXX a month. Now that I am aware of the lawsuits against this company I realize I have been defrauded by misinformation. I called them again today and requested that they reset my loan back to the original terms and they refused.
Product: Debt collection

My name is XXXX XXXX XXXX XXXX. 

In XXXX, my ex wife ( XXXX XXXX XXXX ) and I decided to join our phone accounts ( XXXX & XXXX ) with one company ; XXXX XXXX XXXX mobility, however in XX/XX/XXXX she and I got separated and in XXXX of XXXX, the phone number XXXX was moved to a new billing account since that line corresponds to my ex-wife and she would take care of any subsequent payment from that line. I received an email from XXXX XXXX XXXX mobility confirming that request. Since that moment, my ex wife took care of paying her phone bill and to the best of my knowledge, she kept paying it until she moved to XXXX, around XX/XX/XXXX. 

My line ( XXXX ) was transferred to XXXX in XXXX of XXXX and I kept using and paying for it until XXXX of XXXX when I cancelled that line. 

I started receiving phone calls and letters from Sunrise Credit Services , Inc in XX/XX/XXXX, making me accountable for a debt of {$710.00} to XXXX XXXX XXXX mobility related to my ex wife 's line ( XXXX ), I started explaining the situation, I forwarded the confirmation of the accounts split from XXXX XXXX XXXX and at this day, Sunrise keep making me accountable for a debt that does not correspond to me, and now that debt is affecting my credit score. 

Based on this request and several conversations with different representatives from Sunrise collections, Inc, I request that the delinquent debt that I'm being held accountable for, to be dissociated from my social security number and hence not affect my credit score.
Product: Credit card

Synchrony Bank website has removed the link for disputing and messaging, by which i was able to file this dispute around XXXX. Regarding " purchase '' amount {$1200.00} of XXXX, I NEVER APPROVED a dental-crown containing PORCELAIN which makes the material vulnerable to cracking. On XXXX, XXXX XXXX told me that the material contains porcelain, they INSISTED on mixing porcelain with the material, therefore i canceled the service via email and phone on XXXX. See Attachments.
Product: Debt collection

Dear Capital One Customer Advocacy Office, My name XXXX XXXX XXXX I am writing to formally dispute the accounts ending in XXXX, which were fraudulently opened in my name. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), I demand that Capital One immediately investigate and remove these unauthorized accounts from my credit report.

Grounds for Dispute 1. Potential Data Breach and Compromised Information The phone number and address used to open these accounts could have been exposed in a data breach. As you are aware, personal information stolen in breaches is often used to commit identity theft. XXXX XXXX  reliance on public records is insufficient proof of my authorization of these accounts. 
XXXX. Failure to Verify Identity Properly While you claim my Social Security Number ( SSN ) and date of birth match your records, these identifiers alone are not proof of authorization. Identity theft frequently involves the fraudulent use of valid SSNs and dates of birth. 
3. Unverified Recorded Calls Your assertion that I acknowledged ownership of the accounts in recorded calls is baseless unless you provide full transcripts or recordings for review. Any such communication may have been the result of confusion, misrepresentation, or error. 
XXXX. Violation of FCRA By refusing to provide me with billing statements without additional verification steps, you are hindering my ability to properly investigate these fraudulent accounts, violating my rights under the FCRA to access accurate and complete information about disputed accounts. 
XXXX. No Evidence of Residency or Authorization The mere fact that mail sent to XXXX XXXX XXXX XXXX, XXXX, IL, was not returned does not prove my residency or authorization. This address could have been used fraudulently by the perpetrator of identity theft. 
Requested Actions Under FCRA 611 ( 15 U.S.C. 1681i ), I request the following actions : XXXX. Remove the account ending in XXXX from my credit report immediately. 
XXXX. Provide me with all documents, applications, and correspondence associated with these accounts for review. 
XXXX. Submit a revised report to all three major credit reporting agencies ( XXXX, XXXX, and XXXX ) reflecting the removal of these accounts. 
XXXX. Cease collection efforts on these accounts and notify your recovery department accordingly. 
Supporting Documentation I am enclosing [ list of any documents you may have, e.g., police report, FTC identity theft report, etc. ].

If you fail to comply, I am prepared to escalate this matter by filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Comptroller of the Currency ( OCC ), and I will consider seeking legal remedies under the FCRA.

Please respond to this dispute within 30 days of receipt as required under FCRA 611
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that appear on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). The following information is incorrect and should be removed from my report immediately : Account Number : XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX - This address belongs to someone else. Delete it from my report immediately. 

Account Number : XXXXXXXX XXXX XXXXXXXX XXXX XXXX, AL XXXX- This address belongs to someone else. Delete it from my report immediately. 

Account Number : XXXX XXXX XXXX XXXX XXXX  - This address belongs to someone else. Delete it from my report immediately. 

Account Number : XXXX with XXXX XXXX  - I have never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away. 

Account Number : XXXX with XXXX XXXX  - Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. 

Under the FCRA, credit reporting agencies are required to ensure that the information in their reports is accurate and up-to-date. I understand that accurate credit reporting is crucial and I respectfully request that you investigate these items and take appropriate action to remove or correct them, as required by law. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and HYUNDAI FINANCE the Debtor acting as Debt Collector, is making claim against XXXX XXXX XXXX, ESTATE, the Creditor in a total misrepresented amount from XXXX : {$1700.00} ; {$17000.00} from XXXX and {$13000.00} from HYUNDAI FINANCE. A violation of title 15 USC 1692e. ( 1 ), ( 2 ) ( a ) ( b ), ( 4 ), ( 6 ) ( a ) ( b ), ( 9 ) and ( 10 ). 

Affiant is an Heir and Beneficiary to XXXX XXXX XXXX XXXX, XXXX XXXX. The XXXX XXXX XXXX by way of Jus Sanguine. Maxim of law - " The right of blood and kindred can not be destroyed by any civil law. '' 100 % of Right, Title and Interest in NOTICE OF SURETY ACT & BOND No. RE 295 357 246 US secured by UCC-1 Financing statement file # XXXX and Instrument no. XXXX recorded in XXXX County real estate records viewable at XXXX is assigned to XXXX XXXX in toto as Heir Beneficiary. 

For the record, on the record and let the record reflect. NOTICE TO AGENT IS NOTICE TO PRINCIPAL, NOTICE TO PRINCIPAL IS NOTICE TO AGENT. 

Pursuant to Public L. No. 10 Ch. 48, 48 Stat. 112, 113 ( HJR 192 ), all public debts shall be discharged for full " Acquittance Discharge and Settlement '' and 'Closure ' to include but not  limited to all so called debts XXXX, XXXX and HYUNDAI FINANCE may portend or intend to demand to enforce, or to compel an individual to some specific performance for an alleged debt. 

Also reference Public Resolution ( Law ) 73-10, 31 USC 463, 31 USC 5118 ( no money was loaned ). 

XXXX, XXXX and HYUNDAI FINANCE is insolvent and Civiliter Mortuus with no standing in law to make any claim against this Estate.
Product: Checking or savings account

Wellsfargo for the last 7 years I was charged over XXXX in bank fees overdraft fees.i spoke several times with there ethics committee no luck i even hired someone to try and collect my fees and they denied it
Product: Mortgage

Ocwen Loan Servicing is not giving me the proper documentation so that we can go to closing.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act.The List of account below has violated my federally protected consumer rights tp privacy and confidentially under 15 USC 1681. Account Name # XXXX  Account Number # XXXX Account Name # XXXX Account Number # XXXX Account Name # XXXX XXXX Account Number # XXXX Account Name # XXXX XXXX XXXX  Account Number # XXXX, has violated my rights. I looked at my Experian credit report on XX/XX/year> and noticed some things are incompleted and not accurate.And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681! 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX are the same institution. 

Due to a recent transfer of government loans providers ( early XX/XX/ ), my student loans are duplicated by all 3 credit agencies ( XXXX, Experian and XXXX ). Current balance totalling {$100000.00} instead of {$50000.00}. 

XXXX sent me an official letter stating the issue they encountered with their system which I already provided to them. 

I have been contacting all 3 credit agencies online and by mail to correct the duplicated balance without having a successful outcome. 

This is affecting my ability to buy a house due the debt is showing on my credit report.
Product: Mortgage

This is my 3rd complaint against the same company since XX/XX/24, Complaint ID XXXX. In it I complained about loan XXXX, XXXX XXXX, approving my application, promising to send the pre-approval letter then not sending it. XXXX responded to the CFPB by saying they need more time to respond. On XX/XX/24, I filed my 2nd complaint, Complaint ID XXXX, against loan officer/manager, XXXX XXXXXXXX, for wrongfully denying my application after it was approved by XXXX, in violation of the XXXX XXXX, and HUD Mortgage Loan processing guidelines , for discriminatory loan processing tactics and discriminatory denial. XXXX responded to the CFPB by saying they need more time to respond. This 3rd complaint arose today after XXXX XXXX XXXX XXXX XXXX - Cross Country Mortgage called me numerous times inviting me to apply for a mortgage. After several texts and voicemails from them discussing that I have a HUD XXXX XXXX XXXX for 4 bedrooms and an Estimated Payment Assistance ( EAP ) Letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), she indicated that there may be a problem with me using my XXXX even before sending me a new application, saying in a text from her supervisor 's phone number XXXX " Ok. Let me ask our underwriting department how that works and if there are any issues with that, '' I asked why there would be an issue, she responded, " I don't see why it would be an issue, but just double checking to be sure '' then the supervisor continued, " Well, we are the mortgage lender and like we were discussing before, we can get you down payment assistance and we can use the voucher and XXXX XXXX that you mentioned to her that you got a new voucher for more essentially is that correct... '' then XXXX sent a follow up text from her phone XXXX on XX/XX/24 " XXXX XXXX, just left you a message. Our company has an overlay where we can not use the voucher unfortunately. We can help you with the down payment assistance, but you would have to have income outside of the voucher to qualify. Sorry the news isnt better, but if something changes on your end, just let me know. " On her voice message she stumbled and stuttered her way through stating the same with a lot of UMs in between. This encounter appears to be furtherance of FHA violations and the ECOA denying a mortgage prior to filing another application after XXXX denied the first application, based on the type of income being a HUD homeownership voucher. It is also indicative of the reason for XXXX requesting additional time on the first two complaints to respond. It appears they have no intention of ever responding and no intention to adhere to any applicable law or to reverse any of the discrimination they've subjected me to, which if reversed, would cure their ongoing discrimination against me and deprivation of rights under the FHA, ECOA and HUD Guidelines.
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : Date of Birth : XXXX  Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX California XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning After recent checking my XXXX  credit report, I noticed several credit inquiries and these inquiries does not belong to me because I have left the United States back in XXXX below are these inquiries XXXX  XXXX XXXX  XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX  XXXX XXXX from XX/XX/XXXX All Banks XXXX XXXX  XXXX from XX/XX/XXXX All Bank
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX acct. # XXXX, XXXX formerly XXXX acct. # XXXX ..., XXXX XXXX # XXXX, XXXX XXXX acct. # XXXX, XXXX XXXX. store/ XXXX  XXXX acct. # XXXX, XXXX XXXX XXXX acct. # XXXX ..., XXXX XXXX XXXX XXXX XXXX, The XXXX XXXX XXXX  acct. XXXX XXXX XXXX XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX XXXX XXXX. acct # 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is refusing to follow the FCRA and block identity theft. 

I notified Experian on XX/XX/XXXX of extended identity theft found on my credit report sent them the affidavit from the FTC. 

Experian contacted me by email today notifying me they are denying my request to block because " Furnishers verified the debt '' a furnisher can NOT verify a debt I never consented to, these furnishers don't have my id, XXXX in particular ( XXXX  XXXX ) was told in XXXX? to NEVER allow an account in my name by XXXX, yet they did anyway. 

Experian has refused to remove a debt from my report from the Social security administration that is wholly inaccurate, The administrative judge ruled in my favor in XXXX XXXX ( they wont even let me redispute it. 

Experian only allows XXXX dispute ever per account, they are the only one who does this and the FCRA does not allow a reporting agency to limit disputes. 

I have found the following bad names on my credit report XXXX XXXX XXXX XXXX XXXX they refuse to remove them. 


XXXX ( XXXX XXXX ) XXXX XXXX ( Never heard of this company until they started calling me for a payment ) Moneylion ( Closed my money lion account in XXXX? but there is a loan taken out in XXXX? ) kikoff lending ( never heard of this company just found it on my credit report ) first premier bank ALL need to be immediately blocked. 

the Identity theft affidavit is attached along with Experian canned email. 

every single time my credit gets even a little decent, it gets destroyed. in the last 4 years I have had XXXX, XXXX, XXXX, XXXX etc have breaches where my information has been stolen, and Experian NEVER places the security freeze, if they do they remove it after about 20 days and this is getting absolutely ridiculous. 


this is my last step before i initiate suit on violation of the FCRA.
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 four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX Inquiries : XXXX XX/XX/year> XXXX XXXX XX/XX/year> 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 one 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