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

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX # XXXX XXXX, IL XXXX XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, GA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX NA Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. XXXX Account XXXX XXXXXXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. XXXX Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. XXXX Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. This account was never late XXXX Account XXXX : XXXX Please ensure that all information is accurate XXXX there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX VA XXXXXXXX Date Updated : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, VA XXXX Date Updated : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, VA XXXXXXXX Date Updated : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX VA XXXXXXXXXXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX, GA XXXXXXXX XXXX there is some inaccurate information reporting. 
XXXX Account NumbeXXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

Hi this is XXXX XXXX and the account I would like to fix is on My Transunion consumer report, I have created a complaint about this before but nothing has happened,, I would just like my report fixed im not looking for monetary gain which is under my knowledge that if any Bureau is not 100 % accurate on my information I can request that this discrepancy be fixed and i can request XXXX up to XXXX dollars but like i said i am not interested in the monetary gain and would just like my account from XXXX account number XXXX to appear on my report. With this account not appearing on my Transunion credit file, it is losing me XXXX pts, and my consumer report is very important to me. I have proof of the negligence and will submit below.
Product: Vehicle loan or lease

to whom it may concern hello I applied for a consumer credit transaction through capital one on XX/XX/22 I was told that I need to put a down payment for what I applied for but as your company should know down payments are illegal in consumer credit transactions I am supposed to only pay the finance charge with the credit card ( SSN ) that your company has already used ( as seen below ) which your company should already know because it is public information. I have called and been told that there is no physical underwriter for your company and that decisions are all processed through a system I Ask that you get someone on my application so it can be completed the right way otherwise your company would be in direct violation of 15 USC 1602 ( p ) as I originally made an agreement with XXXX and they gave my personal information your company and if I didn't give you actual, implied, or apparent authority for such use AND/OR I receive no benefit that implies by law and unauthorized use of my credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my complaint for you to know that I am a victims of identity theft. Based on FCRA Section 605B, it was the responsibility of the 3 credit bureaus to eliminate those items which does not belongs to the owner. I was a casualty of savage wrongdoing. I'm not liable for this account. Please provide all verifiable documents from this company, if not please remove them asap : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$5900.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3200.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$5900.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$3200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$3200.00} ; XXXX  XX/XX/2022.
Product: Credit card

US Bank was dishonest with both the CFPB and myself in their correspondence dated XX/XX/2017. 
US Bank wrote " Each time you contact our Cardmember Service Department we provide a message that states your call may be monitored or recorded for quality purposes '' US Bank was dishonest with all people who call US Bank as it claims it is using recorded calls for " quality purposes '' when US Bank is allegedly using the calls for fraud investigation. If US Bank stated that calls may be recorded, that would encompass all uses, but US Bank, in writing, and on recorded lines did not make that claim and is using the calls for other purposes. 
US Bank also was dishonest with the CFPB and myself when on XX/XX/2107 they wrote " You ( sic ) correspondence also indicates that you have requested that we provide you with video surveillance of the transactions that you had previously claimed as fraud. '' I can find no such records of any correspondence.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice for Proof of Claim Account : XXXX XXXX XXXX # XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. 
Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Product: Debt collection

I recently acquired a debt for XXXX wireless that I do not owe for {$740.00} to a company called " Jefferson Capital Systems ''. I believe this is a fraudulent report and it dropped my credit score XXXX points. Please help me get this removed from my report.
Product: Mortgage

I originally locked my rate on XXXX for a XXXX Loan for XXXX XXXX  down on a condo with {$300000.00} purchase price at a rate of 2.875 % with {$110.00} in origination fees. Since I was working with a Better Real Estate Agent and qualified for Betters appraisal guarantee which states that " we will not require our customers to bring any more cash to close or pay a higher monthly payment as a result of a low appraisal '', I felt comfortable putting an escalation clause into my offer which resulted in the final purchase price of {$300000.00}. When the appraisal came back on XXXX, it was lower than the accepted purchase price, at XXXX. My Loan estimate was then altered despite the appraisal guarantee to include {$2300.00} in origination fees with no other adjustments to interest rate. I brought this to the attention of my home advisor on XX/XX/XXXX by email and phone and received a reply on XX/XX/XXXX acknowledging that I was eligible for the Appraisal guarantee and that Better would be working on reverting the increase in origination fees. When I received my next few loan estimate updates, it was still at the wrong {$2300.00} fee but I only started worrying about it as my closing date approached. Starting 3 days before the final loan approval date, I started to call to try to have this corrected. On the day of my closing, which had been delayed from the original XX/XX/30 date to XXXX due to the lack of closing disclosures, it had been adjusted down to {$450.00} but still higher than the original rate. After at least 3 more phone calls and hours on hold on the day of closing, Better called me to say that they would correct the closing disclosure and send it immediately. Despite this assurance, the new disclosures had a {$360.00} fee ( still {$250.00} more than the original ) which I signed because I had already been waiting for three hours at the title company. I would like Better Mortgage to refund me the {$250.00} based on their guarantee and to take steps to correct this dishonest practice of never correcting a " mistake '' until I had no choice but to accept it. 

The holidays meant that my home advisor and his backup were all out of office and I could never speak to anyone on my loan team or anyone else who could change the origination fee or explain the discrepancy to me. I must have placed over 10 calls to Better and never managed to speak to anyone who could effect any actual change. Despite promising to call me back on many occasions, they never did and I was mysteriously disconnected up to 4 times while on hold. Despite acknowledging repeatedly the urgency of my request, even as I was sitting at the title company for closing, no one ever returned my calls. To me, it seems that Better Mortgage only uses its front line customer service representatives to delay without empowering them to actually help the customers.
Product: Debt collection

I could not list all the complaints I have on this company and the employee, but this employee has called numerous times my cell and work phone. This debt was over a repo that was resold a month or two after it was picked up from my possession in XXXX. So this is over 7 years old. He has put a lien on my bank acct and now threatening to call the county that I just purchased my home in and put a lien on my home. He hasn't used bad language, but has talked verbally abusive to me and my boss. Also gave more info ( PHI ) to my boss then need to conduct his work. And I have been off work 3 times without pay for XXXX. I am a frontline worker. The debt that he is trying to collect is XXXX. The lien on my acct was done XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I was scam and I was trying to tell my bank to give my money bank and they tell me I have to talk to a merchant that no longer exist and I just want my money back I was robbed Scam {$700.00} a week of my paycheck it was on XX/XX/2020 first it was {$500.00} and then {$200.00} i just want Capital One Bank to give my money and I actually report to police also an nothing help me
Product: Debt collection

On XX/XX/24, I received a XXXX credit bureau monitoring alert that I C System XXXX XXXX XXXX XXXX XXXX MN XXXX is reported as a collection account on my credit report. I have not done business with or received any communication nor agreed to receive any communication from the company. I dispute the debt. I dispute that I C System owns or has the right to collect the alleged debt. They have violated the FCRA and demand this be removed from all credit bureaus immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

About a year ago I went to a car dealership named XXXXXXXX XXXX XXXX or XXXX XXXX XXXX- one of the two- and decided to purchase a decent vehicle. no longer after 4 days of using the car, it had flaws and by my mistake regretted purchasing the car and decided to return it. 

they were refusing to take back the car, but we were honest about the quality and that it was not how we expected it to be and said we kindly want to return it and it did not matter to me if my credit would be at risk. 

They said through the phone time and time again that they were going to fix it and cancel my contract with XXXX XXXX. The dealership kept the car promising that they were cancelling all contract with that particular bank. 

Fast-foward, I come to find out that they are using my social and credit to keep the money and the car while they are confidently running my social. 
They permanently close shop and it wouldn't be a surpise if they did this to other clients.. 
Please Help
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I XXXX XXXX recently received a copies of my consumer reports ( XXXX, Transunion, XXXX ) and I noticed some late payments posted on my consumer report.This company is in clear violation of the law. Pursuant 15 USC1681a2 ( A ) ( i ). Failure to respond satisfactory with deletions of the Late payments will result in legal action being taking. Remove late payment.. 

Account- XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Month showing late payment XX/XX/XXXX
Product: Debt collection

this agencie are just hurting my files score and each month they flag me make my score go low eeach month or days. i try to fix this isue i dont know how they have access to personal files. and hurt ppl score. but they cant fix payments with companies. someone need to do something about I.C. SYSTEM, INC has flagged your account as Collections on XX/XX/XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed several letters to LexisNexis on XX/XX/2022, XX/XX/2022, and XX/XX/2022. They have incorrect addresses and names on my report. Those names and addresses are not mines.
Product: Credit reporting or other personal consumer reports

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, Experian, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Reve
Product: Credit reporting, credit repair services, or other personal consumer reports

My path to filing bankruptcy began in XX/XX/XXXX when the economy crashed and I lost a high paying XXXX XXXX in XXXX XXXX XXXX. At that time, I was keeping two households as I owned a home that was mortgaged, and also kept and paid for a second property ( rental ) in the area where I worked. As a result of job loss, economic downturn, and difficulty in finding a suitable replacement to provide the income needed to support both, I fell behind on the mortgage payments. My credit was destroyed by lack of income needed to maintain the level of income I had become accustomed to utilizing. After 4 years of struggle and nearing financial ruin and homelessness, I moved into my fathers home to provide care for him in the final years of his life. As all of this was happening, and I was still unable to earn substantial income and my efforts to restructure my mortgage were basically ignored and dismissed by my mortgage company, they began foreclosure proceedings in mid year of XX/XX/XXXX. It was at this time, in desperation I filed for bankruptcy with no more intention of following through with the process than just attempting to delay the inevitable final blow to my situation and to my psyche. I was finally beaten into submission, or so it seemed. As the process seemed so daunting and basically frivolous, I just gave up without ever following through and withdrew before the BK could complete the process and went into myself and lived a quiet seclusion in shame for the next several years. In retrospect, it was by far a stupid and senseless effort. As time has passed, I have begun to crawl out from under the pressure and shame the whole process has caused for me. If this were no longer a part of my story, it would be an incredible opportunity for which I would be extremely grateful. The bankruptcy filing was with Chase Mortgage and the mortgage itself began with Washington Mutual, which is no longer in existence as it was bought out by Chase Bank. At the time of filing, the mortgage was the one and only reason for filing, and it was a delay tactic which really didn't have a positive outcome. The credit annihilation that has been a result of all the above, is not something I am proud of or wish to ever endure again. This shouldn't be showing up on my Public record because i never truly followed through with a Bk and don't have one in existence.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of several fraudulent accounts from my credit report, which I have identified as a result of identity theft. My personal information was compromised in a recent data breach, and I have enclosed a copy of my Federal Trade Commission ( FTC ) Identity Theft Report, along with my identification documents, to support my claim. 

This is my second request for the removal of these accounts, as I previously contacted you regarding this issue, and the fraudulent accounts were not removed from my credit report. I want to emphasize that my request to block this information is not an error or misrepresentation ; it is a legitimate claim resulting from identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), I have specific rights regarding the accuracy and integrity of my credit information : 1. 15 U.S.C. 1681b : This section grants me the right to access my credit report. Upon reviewing my report, I discovered accounts that do not belong to me and are fraudulent in nature.

2. 15 U.S.C. 1681c-2 : This provision requires that you block the reporting of any information resulting from identity theft upon my request. I am formally requesting that you block the following fraudulent accounts from my credit report : Accounts - 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Il XXXX XXXX XXXX 15 U.S.C. 1681e ( b ) : This section mandates that you maintain reasonable procedures to ensure maximum possible accuracy of the information you report. Given that these accounts are a result of identity theft, retaining them on my report violates this obligation.

4. 15 U.S.C. 1681c-2 : Furthermore, I invoke my right under this section to request the blocking of these fraudulent accounts based on the FTC report I've included.

5. 15 U.S.C. 1681c ( b ) : Additionally, I would like to reference this section, which emphasizes that you must ensure the accuracy of reported information and take necessary actions to correct any inaccuracies, including those arising from identity theft
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX SS XXXX I would like a full credit report from XXXX XXXX XXXX XXXX XXXX and my Full Lexis Nexis XXXX XXXX FILE. I have be unable to get my file from the website for some reason. I have attached my ID SS card and Proof of address please send my credit file report.
Product: Credit card or prepaid card

RELATED TO CFPB COMPLIANT XXXX AND BANK OF AMERICA - YOU BOTH ARE XXXX OR ARE BOTH ARE CORRUPT. 

THE COMPANY DID NOT RESPOND AND THE NUMBER YOU CITE BELOW DOES NOT WORK. THE RECORDING OF THE NUMBER AND EXTENSION RESULTS IN A RECORDED MESSAGE THAT INFINITELY STATES TO ENTER THE EXTENSION AND WHEN YOU ENTER XXXX IT TELLS YOU TO ENTER IT AND FINALLY IT HANGS UP ON YOU. 

The company sent its response directly to you and provided a copy to the CFPB. It may take a few days for you to receive the companys response. To protect consumer privacy, the CFPB has not included the companys response in this consumer portal. You can contact the company at ( XXXX ) XXXX XXXX about its response to this complaint.