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

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute item do not belong to me.

Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. I found that under section 605b ( a ) Transunion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. The dispute item do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX Date Opened : XX/XX/2005 Balance : {$14000.00}. If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. 
SO please comply with the law so this matter can be handled swiftly.
Product: Debt collection

I am being harassed by Synerprise Consulting Service. They are reporting that I have a debt of the original balance of XXXX but I only owe {$1000.00}. It is indicated on my credit report under ( XXXX ) =account balance, DPR=Date Payment Received, SPA= Scheduled Payment Amount, AAP= Actual Amount Paid that I have made payment on this account 9 times. This is false. I don't even know the company and have not been paying on this account. Attached is a copy of my up to date credit report from XXXX which tells me that the account stays for 7 years and been verified. I have no verification of this false debt that Synerprise Consulting Services is trying to collect from me. It also states that the account is schedule to remain on my credit report until XX/XX/2021, which is not 7 years. I'm not understanding where this information is coming from with recorded information on my credit report stating that I have been paying this debt that I know nothing about. Can this company produce receipts from me? This company is falsely reporting credit history that doesn't belong to me and the credit bureau XXXX  is reporting this information with the statement under Comment : '' Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) '', which in fact is a violation of the Fair Credit Reporting Act.
Product: Debt collection

Two weeks ago, I began receiving text messages from MetCredit USA. They did not provide any information, except for that they were attempting to collect a debt and requesting I click on a link. 

I received a letter from them yesterday requesting payment for a visit to XXXX XXXX XXXX that was paid on the date of service. I have attached a copy of the receipt. 

If they report this to the credit bureau, I will sue them for texting me and using my cell phone number without consent. This is illegal per the FDCPA.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I attempted to dispute a public record currently being reported to my XXXX account. XXXX stated the company that reported the information has certified to XXXX that the information is accurate. Therefore, the information was not removed from my credit report. However, the United States Bankruptcy Court does not report any information to the credit bureaus. The U.S. Bankruptcy Court is not responsible for verifying or validating information from consumers credit files. 

Lastly, I attempted to dispute the inaccurate account again with both Transunion and XXXX via certified mail. This time asking for a response in writing on how they verified the information according to the " method of verification '' under FCRA 611 ( a ) ( 7 ). I asked that they include the courthouse, name of person at the courthouse, address of the courthouse and which document obtained to verify the bankruptcy.
Product: Debt collection

To whom it may concern, I am submitting this complaint to Consumer Financial Bureau because Discover failed to acknowledge and abide the federal law 15 US Code 1692c. ( c ) ( 2 ) Cease and Desist communications.

I sent this letter by certified mail on XXXX. Please refer to the exhibit 1a. On XXXX XXXX XXXX a letter was typed by me indicating to Discover that they had not stopped communication with me as originally requested and they were in violation of federal law 15 US Code 1692. On XX/XX/XXXX I drafted an affidavit of truth outlining the various violations and that of the federal law of 1692 and sent a letter and affidavit of truth on XX/XX/XXXX via priority mail see exhibit 1b. I am enclosing copies of over 13 violations or 16 in total of 15 USC 1692. Discover is in complete control of their internal IT department and it makes no sense, rhyme or reason why they could not obey Federal Law and cease communications as requested. So, I am requesting that Consumer Financial Bureau Protection agency enforce the laws and my consumer rights for these violations that have occurred. See exhibits A-U. 
Aslo, there is a violation of 1605a Finance Charge : The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

In 15 US Code 1605 ( a ) ( 1 ) Finance charge : Congress does not state that a late fee is part of finance. Actually the sum of all fees directly and indirectly have already been included in any consumer credit transaction so lates are not included in the law passed by Congress on behalf of consumers. 



Thank you in advance, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit report and I see that there is a credit card XXXX credit for XXXX on my credit report. However I never applied for Chase bank credit card. I only have a Chase auto loan at this present time. According to US CODE 15 6801 US CODE 15 1602 US CODE 15 1681a ( 2 ) I ) US CODE 15 1666b Please remove this account from my credit report Possible identity theft. I was a victim to identity theft within the last 3 years
Product: Mortgage

I have a second mortgage loan with CitiFinancial. 
For about $ XXXX. I pay on time since 2009, but the majority of the payment goes to interest and still have a balance of $ XXXX. I have called and tried to obtain reasonable terms but with no success.
Product: Mortgage

Ref Case number : XXXX Again unfortunately, the representative of US Bank did not address my complaint accurately and did not explain why the loan officer or the loan processor communicated for the additional information and clarification they need. I received only two calls and most of the time I was chasing US Bank asking if they need additional information or clarifications regarding this loan. 
In addition, I asked to close my checking account ; I deposited {$25.00} per the loan officer recommendation. Why I am receiving back only {$5.00}? see attached file As I mentioned in my previous complaint as a buyer, I can not recover from this failed transaction. 
the seller put this special house right back on the market and immediately was sold.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in removing the erroneous information that 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 15 accounts on my credit report that are not mine I have not opened or used these accounts

do not belong to me!!!! Account Name : US DEPARTMENT OF EDU Account Number : XXXX  Reason : Unverified account Account Name : US DEPARTMENT OF EDU Account Number : XXXX  Reason : This is not my account Account Name : US DEPARTMENT OF EDU Account Number : XXXX  Reason : Unverified account Account Name : US DEPARTMENT OF EDU Account Number : XXXX  Reason : Unverified account Account Name : US DEPARTMENT OF EDU Account Number : XXXX  Reason : Unverified account Account Name : US DEPARTMENT OF EDU Account Number : XXXX  Reason : Unverified account Account Name : US DEPARTMENT OF EDU Account Number : XXXX  Reason : Unverified account Account Name : US DEPARTMENT OF EDU Account Number : XXXX  Reason : Unverified account Account Name : US DEPARTMENT OF EDU Account Number : XXXX  Reason : Unverified account Account Name : US DEPARTMENT OF EDU Account Number : XXXX  Reason : Unverified account Account Name : US DEPARTMENT OF EDU Account Number : XXXX  Reason : Unverified account Account Name : US DEPARTMENT OF EDU Account Number : XXXX  Reason : Unverified account Account Name : US DEPARTMENT OF EDU Account Number : XXXX  Reason : Unverified account Account Name : US DEPARTMENT OF EDU Account Number : XXXX  Reason : Unverified account Account Name : XXXX  XXXX  Account Number : XXXX  Reason : This is not my account INQUIRIES Creditor Name : XXXX XXXX XXXX Inquiry Date :XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX  Inquiry Date :XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXXReason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the legitimacy of my XXXX loan obligations transferred from XXXX to XXXX. Due to serious legal violations and breaches of federal privacy laws, including the Family Educational Rights and Privacy Act ( FERPA ), the Privacy Act of 1974, and the Higher Education Act, I demand the immediate cancellation of all financial obligations related to these debts.

It has come to my attention that my perso educational and financial information has been improperly accessed by unauthorized third parties, including XXXX XXXX or affiliat entities. This unauthorized access XXXX constitutes a gross violation of my federal Due to these violations, I formally demand : Immediate and unconditional cancellation of all financial obligations associated with my XXXX  loans.

Complete removal of all XXXX-related entries from my credit report. 
Written confirmation of this cancellation and credit correction within 30 days. 
If my demands are not met, I reserve the right to pursue all available legal remedies, including claims for damages arising from these privacy breaches and violations of federal law.
Product: Bank account or service

We have had a checking account with BB & T for the last 22 years, and we are seriously considering moving our accounts to another financial institution that will hopefully not employ the same bait and switch techniques. We value long standing relationships, and it is the only thing that has prevented us from moving our account thus far but our frustration with these practices are pushing us to consider switching our accounts to a new financial institution. 
It seems that since the new financial protections were put in place for consumers that restricts financial institutions from collecting or racking up arbitrary fees, that our bank has instituted a new way to collect these fees and revenue they have lost that are equally arbitrary and at a minimum are performed in a cloak and dagger fashion. 
When we notice through online banking that our checking acct is running low on funds to cover checks or payments that we know we initiated but that do not yet appear to have been submitted to our account, we drive immediately to our local BB & T branch with cash in hand to deposit into our account. When we arrive, we always first inquire with the bank rep and verify that there are no " returned payments '' noted on our account. We then immediately deposit the cash that would then cover those payments. We then would notice repeatedly that when the bank performed their reconciliation processes after midnight of that same day that they would then first report a payment from a company was submitted and returned that same day and that they returned the payment to the submitter and charged a {$35.00} fee to our account and they would then go on to reflect on the next reconciliation line that they received the cash deposit made earlier that day " after the returned payment ''. I have spoken to bank reps repeatedly re this discrepancy between what we are told by their bank rep that no payments had been submitted and returned at the point of us making that cash deposit and then their coming back to us after their after midnight reconciliation process that indeed a payment had been submitted and returned that day and that they then state to me that it was submitted and returned " before '' we made the cash deposit and that the {$35.00} fee was deducted from our checking acct. This unfortunately has happened too many times for it to be a one off innocent error, and appears to instead be a new bait and switch technique for financial institutes to continue to recoup the arbitrary fees they had been supposedly prevented from recouping through the new consumer protections put in place. Very few times the bank rep was kind enough to deposit back the fee because many times it was the same rep I had originally spoken to when I was depositing the cash to cover the payments that I then spoke to later when I noticed this bait and switch technique and that the outcome did not comport with what she had advised me initially. But there are numerous fees that had not been credited back to our account under the same scenario, and this new bait and switch technique appears to be a new way of doing business for our bank.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the deletion of the account listed below from my credit report, as it is currently in litigation. I believe this account should not be reported on my credit history until the litigation is resolved. Below are the details of the account : Account Name : XXXX XXXX XXXX Amount Due : {$780.00} Current Status : [ In Litigation ] I respectfully ask that you review this account and remove it from my credit report during the litigation process. I understand that the Fair Credit Reporting Act ( FCRA ) mandates that only accurate and up-to-date information should be reported, and since this account is currently in litigation, it is not fully resolved or finalized. 
I have provided documentation of the ongoing litigation or any other relevant information to support my request. The account XXXX XXXX {$780.00} is due to identify theft and is currently in litigation. Please see attached document.
Product: Checking or savings account

In late XXXX, XXXX enrolled my checking account into a 2-day early paycheck program without my knowledge or consent. I noticed this and called XXXX to opt out of the program on the morning of XX/XX/XXXX. Calling was the only option available to opt out of this service. When I called, the phone menu had no options available to opt out of this new service that no one requested be added to their accounts. There were also no operators available at the time to assist me. I figured I would call back later to opt out, but then starting in XXXX I started receiving emails from Chime, some of which stated in the fine print that I was receiving them because I had an account with Chime. I never opened an account with Chime and suspect that XXXX has partnered with Chime to offer this new 2-day early pay service and has shared my personal information with Chime. I called XXXX and Chime yesterday, XX/XX/2021. XXXX only offered to opt me out of the 2 day early pay service and opt me out of all information sharing, but would provide no other information or help regarding the opened account with Chime or whether my information had been shared with Chime. When I spoke with Chime, all they offered was to have an investigator for a fraudulent account opening contact me over unencrypted email. They refuse to speak to anyone on the phone, but are requesting my full name, social security number, and birth date over completely unsecured email. The investigator did not email me until after midnight on XX/XX/XXXX. On the morning of XX/XX/XXXX, while I was contacting Chime again, I received an email and text message telling me that a debit card was on its way ( to where - I don't know because I did not open the account ). The activity on the account had clearly not been stopped or the account closed or put on hold, despite my call to Chime the day prior to state that the account was fraudulently opened. Chime and XXXX have been unable to assist me without me further jeopardizing my identity. 

XXXX and XXXX XXXX transferred money using the fraudulent account
Product: Debt collection

I am not sure if you actually do anything but I will try once more. I made a complaint about Shellpoint Mortgage and you sent them a letter. They responded by saying that they needed some more time and were working on it. You seemed to think this was an adequate response. Would it help if I told you that in the three years company has failed to resolve this problem they have sent me approximately 30 letters stating the exact same thing? 

I have many of them still in my file. 

Do you think that sending numerous exact letters in 3 years is enough time to resolve this? 

Sincerely, XXXX XXXX
Product: Debt collection

Midland Funding is in violation of my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Under FTC v. XXXX XXXX XXXX ( XX/XX/XXXX ), a Federal Trade Commission lawsuit against a licensed or registered collection agency, whereas the collection agency paid millions in fines and penalties, a criteria was established on the collection of debt where interpretation of laws were established. That criteria is as follows : 1 ) The debt must be within legal timeline limits that it can be collected through a summary judgment process in the state of the consumer 's residency. In this case, both accounts started with XXXX Bank, went into default in XXXX, and then taken over by XXXX XXXX in XX/XX/XXXX. Both accounts are long past any redeeming collection period. 
2 ) The consumer must be given a 30-day notice that the collection will be posted on credit, and shown proof that the collection item has been assigned or purchased, or both. 
3 ) The consumer must be given his rights to dispute under the Fair Debt Collection Practices Act. In this case I was never notified by XXXX XXXX or Midland Funding LLC. 
Both accounts have been re-aged, show no previous ownership as stipulated under the Fair Credit Reporting Act, and there is no payment trade line. The original owner, XXXX Bank is off credit completely as the legal timeline limit has come and gone. Midland Funding LLC is in direct violation of FTC mandates on this type of illegal collection process. The Consumer Financial Protection Bureau needs to step in to sanction Midland Funding LLC for these continued FCRA and FDCPA violations. Both accounts must be deleted on my XXXX credit report immediately and permanently.
Product: Credit reporting or other personal consumer reports

This is not a duplicate. 
I recently reviewed my credit report and discovered several fraudulent accounts. These accounts are not mine and are adversely affecting my credit standing. Please remove these fraudulent accounts from my report immediately. 
This is a new request that contains documents that need to be submitted.
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 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 Per FCRA section 605b Credit Reporting Agencies are required to 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, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$730.00} ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

A court day for judgement from Nationwide Cassel L.Prepresented by XXXX XXXX, IL XXXX Is over 15 or 16 years old. They have issued a summons to appear in court to collect this debt.