23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have a a unverified account from XXXX XXXX RESUGGENT CAPITAL SERVICES # XXXX. I had previously disputed this account. I have never done business with XXXX XXXX RESUGGENT CAPITAL SERVICES. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX I dispute the validity of the debt purport I owe. I request that PINANACLE LLC/ RESUGGENT CAPITAL SERVICES Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that PINANACLE LLC/ RESUGGENT CAPITAL SERVICES Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( Block , Inc. ) due to inadequate costumer service and unfair practices, which violates the Customer Financial Protection Act ( CFPA ) .specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply either error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

We own our home at XXXX XXXX XXXX XXXX XXXX CA XXXX. We think there is something wrong with these mortgages because we keep being told they have XXXX Balances. We don't know who is the responsible party whom we need to communicate with about our requests. Is it XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX or XXXX XXXX, the Certificate Holders OF THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, MORTGAGE PASS THROUGH CERTIFICATES, SERIES XXXX. XXXX XXXX XXXX WAS THE ORIGINAL LENDER.

MIN # XXXX. I would like request a quick claim deed or full reconveyance of both mortgages. XXXX XXXX  or XXXX XXXX? If we don't owe any money can we please request a reconveyance for the first and second mortgage? Also XXXX has informed us that our mortgage has been transferred out of the system and the last know Servicer is XXXX XXXX XXXX. In XX/XX/2012 XXXX XXXX XXXX did something to release these mortgages?

We would like to know if XXXX XXXX is still the Trustee of the above pass through certificates, and so have these certificates been liquidated, sold, charged off, or forgiven, or included in the mortgage bail out by the Federal Government?

I would like proof that we no longer are responsible for these charged off mortgage loans. We would like a full accounting of monies received from all servicers associated with our mortgages paid to the investors of the Pass Through Certificates, series XXXX that pertains to this single family residence, and XXXX XXXX.

As a protected XXXX XXXX XXXX   Veteran I would like to request a full reconveyance of the first and second mortgage.

We would also like to request to the responsible party the correction of any recorded documents this pertain to this mortgage.

I just want to clean up this situation. Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 

I have the right to privacy.

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consu
mer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Accounts 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 15 US-CODE 1692E FALSE OR MISLEADING REPRESENTATIONS-XXXX XXXX Account Number : XXXX Delete this account. 


The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM THE PERSON WHO TYPED THE LETTER THAT WAS SUBMITTED, NOT A CREDIT REPAIR AGENCY!!!!!!!!!!!!! This complaint is in response to my original complaint : XXXX. Experian has been provided with the laws pursuant 15 usc 1681 b which states the Permissible purposes of consumer reports! They continue to ignore and break the law!!!!
Product: Credit reporting

I asked XXXX XXXX ( XXXX ) to temporarily reduce monthly payments on my XXXX card. They replied that, in order to satisfy my request, I needed to enroll in an automatic payment plan for all of my ( XXXX ) cards until I had paid all balances or went off of the payment plan. XXXX assured me that the accounts would not be reported delinquent or late if the agreed-upon monthly payment went through. After a few months of on-time payments, XXXX reported a 90 day late payment on XXXX of my accounts. 
As I had several run-arounds with customer service that kept posting my payments incorrectly messing things up ( I had to close XXXX accounts to avoid further " mistakes '' ), I was told most recently that the 90 day late payment report went already out and therefore could not be changed. I would like XXXX to change the report about a late payment because it never happened since all payments, although reduced per agreement, were made on time.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX  Balance Owed : {$2300.00}
Product: Credit reporting or other personal consumer reports

Once again, I find myself dealing with an issue concerning the XXXX Credit Bureau. I've noticed that this credit bureau had not made some necessary updates to my credit report. As a result, I'm kindly reaching out to the Consumer Financial Protection Bureau ( CFPB ) for their assistance in promptly resolving this matter by completely removing the fraudulent inquiries. And while the Experian have removed some fraudulent inquiries, two inquiries were still present in my credit report. Below, you'll find a list of the outstanding inquiries that need to be taken off : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I processed a automatic payment on XX/XX/2018 for my XXXX mortgage payment. The subsequent statement indicated I missed that payment. As a result, I paid my XXXX mortgage payment a second time on XX/XX/2018. I then confirmed that my bank made the XX/XX/2018 payment electronically, and provided the credit trace number to Mr. Cooper on XX/XX/2018. It presents an unfair burden to a consumer to have to pay twice in order to avoid late charges and reports to credit agencies. It is also not reasonable that a consumer to have to call numerous times and wait weeks in order to get the issue resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your company is in violation of the FDCPA section 807. False or misleading representations. The credit agency did not properly investigate a previous dispute. In my last dispute regarding XXXX XXXX XXXX. They failed to properly verify the information given by the debt collector. I do not owe any debts to XXXX XXXX XXXX and any reporting of a debt owed to them has been disputed several times. Attached is a written statement from the FDIC that personal debts from XXXX XXXX were never sold to XXXX XXXX XXXX XXXX XXXX XXXX stated in a written testimony to the CFPB that this debt was sold to them in XX/XX/XXXX that could not have been possible because XXXX sold this debt to another company in XX/XX/XXXX. Also, they claim they were collecting this debt on behalf of XXXX but in XX/XX/XXXX the new owners of XXXX XXXX XXXX XXXX XXXX  stated in writing they no longer which to pursue this debt and still make that claim today. Attached is a letter from XXXX XXXX XXXX XXXX stating that once they purchased XXXX they no longer wanted to go further with any more collection activities. So if the original owners of the debt did not want to pursue any further action any actions made by XXXX XXXX on the behalf of XXXX would be invalid. Also, XXXX XXXX XXXX has failed to show written notification sent to me notify me of when they purchased the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

Please remove these fraudulent accounts from my credit report these accounts are reporting false information and need to be removed from my credit report immediately. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$630.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$630.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4500.00} Below are a list of addresses I've never lived at or been associated with. I don't know why these addresses are appearing on my credit report please remove them. 

XXXX XXXX XXXX, XXXX, KS XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, KS XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had one late payment on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for this account. I have included a screenshot inside this complaint in on dates of XX/XX/2018. Please investigate and provide proof with statements showing that this payment were late. If no proof can't be provided I demand this payment to be updated to paid as agreed on time as they should be due to the fact that I was never late. Thanks! Please see screenshot attached
Product: Credit card or prepaid card

I opened an American Express account XX/XX/2017 and it was connected to the XXXX program. I have been using the card and making my payments on time each month. This month I went to make a payment and in bold red letters across the top it stated ACCOUNT IS CLOSED. There was no explanation. I called and was told they discontinued the XXXX card. I spoke with a rep and a manager. They will not transfer my account in good standing to a different type of AE card. They offered for me to just reapply if I want to stay with AE. Their actions are going to negatively affect my credit score act across the board. They told me they decided the XXXX program was not working for them - not enough interest. I asked why there wasn ' t any notice and they told they sent one in XX/XX/XXXX. They mailed it to an address in the XXXX after I called and explained that we were staying somewhere else temporarily and gave them a new address. If an account is in good standing, it should be transferred to a new AE card. Consumers should not be negatively affected by a credit card companies actions.
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to formally submit a complaint regarding the actions of an XXXX XXXX XXXX XXXX XXXXXXXX XXXX  and the subsequent impact on my credit report. 

XXXX XXXX failed to provide me with an itemized statement outlining any remaining balance owed at the end of my tenancy. Instead of notifying me of the balance, I was alerted via my credit report that a credit agency had obtained the alleged debt. To date, I have not received any itemized billing or documentation regarding the balance claimed to be outstanding. 

This lack of notification and failure to provide detailed information about the balance due is both unfair and has caused significant harm to my credit. I was not given an opportunity to review, verify, or dispute the debt prior to it being reported to the credit agencies. 

I am requesting the CFPBs assistance in investigating this matter. Specifically, I ask for help in obtaining an itemized statement of the alleged balance and ensuring that proper protocols were followed before the debt was sent to collections. 

Please let me know if additional information or documentation is needed to proceed with this complaint. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX
Product: Debt collection

Today I received an alert from my credit monitoring services that this company has reported that I owe them a debt. I have never done business with this company nor have I ever entered into any contractual agreement with them promising to pay for neither goods nor services. I have never received any notification from them either
Product: Credit reporting, credit repair services, or other personal consumer reports

A company named XXXX placed a malicious collection item in my Experian credit report. I am not aware of XXXX and have never done any business with them. In the credit report, it is mentioned that they are collecting a XXXX balance, yet there is was not assignment of debt document letter provided by XXXX to XXXX to present to shoe that XXXX has a right to any debt. XXXX must be required to remove the malicious collection item from my credit report by reporting the item removed. It is unlawful for a debt collector to place collection item which are not their own debt as the originator or assigned by the debt originator in order to have a right to the debt. 

Additionally, I deny owning any debt to XXXX and do not own a XXXX card and never owned a XXXX card. I have attached the result of the complaint filed with Experian where Experian reached out to XXXX and XXXX illegally confirmed the debt and as a result, Experian did not remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is Charged off from XXXX XXXX XXXX which was then sold to XXXX XXXX XXXXXXXX which is a violation of my rights I never gave any written consent for this to occur this is identity Theft. The creditor has sold/furnished my debt and is now negatively reporting it on my credit profile this is damaging my name as I try to advance in life. 

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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I want this negative impact removed from my credit immediately or to be compensated for the violation of my rights 15 U.S.C 1681n States : ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I would like to be compensated for all of these errors and violations
Product: Credit reporting

i disputed fradulent inquries and accounts and they were not investigated properly and not removed from credit file
Product: Credit card or prepaid card

I applied for a Capital One card, and got approved but they never sent the card to my house. Apparently they sent the card to someone because they claim I owe {$13000.00}. How I could owe {$13000.00} when I never received the card in the mail.
Product: Debt collection

Ditech financial has reported to credit bureau I owe Ditech {$38000.00} Ditech report to XXXX as late and charged off account I have sent them latter asking original doc of this account with my signature. Ditech has not provided me with my signature that I own this debt, but they have send me public record on my current mortgage account from the County. I also have asked them to produce doc Ditech claim to this mortgage loan. they have not. I consider this is a fraud please Investigate.
Product: Checking or savings account

XXXX XXXX XXXX XXXX {$9.00} XXXX XXXX XXXX {$1500.00} XXXX  XXXX {$1000.00} XXXX XXXX {$620.00} XXXX XXXX {$300.00} XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX XXXX {$22.00} XXXX XXXX XXXX XXXX {$9.00} I have filed multiple claims with Regions Bank theat the above transactions were unauthorized. All these transactions were made in a different state from when i live. They refused to refund the money to my account, stating I was responsible. I have filed a police report and sent Regions Bank supporting documentation. I was awarded a temporary credit but not for the 3 largest transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX {$180.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this XXXX account on my credit report with the original creditor and they told me that the account was sold to a company called Jefferson capital systems LLC, and that they were not the ones reporting anything on the account to the credit bureaus. I contacted Jefferson Capital systems LLC and I was told that the account was placed with them but that they werent the ones reporting anything to the credit bureaus either, so I have no idea what is going on, I would like to get this account deleted since any of the two companies arent responsible for reporting it, I received a letter by mail from Jefferson capital systems LLC saying that they are not reporting anything to the credit bureaus and to contact XXXX. I also dont understand why, I called XXXX and they always tell me that Jefferson capital LLC, purchased the debt, then if the debt was purchased by them, they should be able to delete it or at least validated and provide me with the original contract bearing my signature or if there is a contract between me and this company I would like to see it.
Product: Credit card or prepaid card

" Chase preferred Tue XX/XX/2022 XXXX PM Now you can earn XXXX bonus points with the Chase Sapphire Preferred credit card. If you apply and get approved, we can both earn rewards : https : XXXX Chase Sapphire Preferred Credit Card | Chase.com Click to learn more.

www.referyourchasecard.com '' I applied for, and received, a Chase Sapphire Preferred credit card per the offer above. I spent the required amount of {$4000.00} in the first three months. Chase gave me XXXX points, not the promised XXXX points. After several attempts to correct this error, Chase wrote a letter advising that my account will only be given the XXXX points. I not only consider this as a bait and switch but also as a predatory practice. I had the choice to go with many other offers, but chose Chase because of the XXXX bonus points.
Product: Debt collection

They are violating 15 USC 1681. I have no knowledge of this creditor and have not given them any permission to report my information.