23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/year>. 
To whom it may Concern I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account : Account name ; XXXX XXXX XXXX. 
Please provide me with the following : ( XXXX ). Full accounting for this account : ( XXXX ). Copy of the assignment of purchase from the creditor ( XXXX ). Every charge and what was purchased, fee, payment, credit, interest ( XXXX ). How you calculated what you claim I owe ( XXXX ). ( Fields v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX ). Full chain of assignments from charge off to present ( XXXX ). Proof that you own the debt with full clear title ( XXXX ). Proof that you were on the original contract ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney who specializes in suing debt collectors will be on standby waiting for my instructions.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX : XXXX XXXX : XXXX This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the credit reporting agency, block information on my consumer credit report that is the result of identity theft and fraud. These fraudulent activities have resulted in unauthorized collections accounts that I do not recognize and were not initiated by me. I have attached a list of these fraudulent collections accounts, along with a copy of my consumer credit report that highlights the disputed items. I have also included the FTC Identity Theft Criminal Complaint Number as proof that these items are the result of identity theft. XXXX bal XXXX {$590.00} acct. XXXX, XXXX Acct. XXXX {$65.00}. 
I have never given permission to anyone to report the above information to Equifax.
Product: Money transfer, virtual currency, or money service

I was defrauded by unknown persons operating through the unlicensed financial brokerage platform XXXX, which solicited me to invest a substantial amount of money. All payments were made in way of crypto-transactions to wallets nominated as beneficiary wallets by the representatives of the unlicensed financial broker. Some transfers were made through my wallet hosted by www.kraken.com. I consider the beneficiary wallets to be an integral part of the fraudulent scheme behind XXXX. Based upon the understanding that www.kraken.com is acting compliant and will provide the due care towards its own wallet- holders, my legal representatives from XXXX XXXX XXXX XXXX XXXX XXXX XXXX sent a relevant request for provision of information to XXXX. Unfortunately, as of the date of this complaint, www.kraken.com has provided neither me nor my legal representatives with the requested information even though we have sent several follow-ups. By ignoring my request, www.kraken.com failed to provide the required information about the XXXX hosting the beneficiary wallets, where I have made a series of transactions to, respectively information that the beneficiary wallets were not hosted by a XXXX. By so doing, www.kraken.com does not refer to specific legal grounds, which justify their decision not to provide the required information. In my opinion, the lack of response from www.kraken.com represents a clear example of the mistreatment of my consumer rights as a consumer.
Product: Debt collection

I'm contacting you because XXXX contacted me, someone opened an account using my name and purchased a XXXX tablet this transaction was identity theft. I had nothing to do with this transaction, I have provided a police report to XXXX and then turned this over to their collection company True Accord. I've communicated and sent documents to XXXX and True Accord. 
I am asking for help from the Consumer Financial Protection Bureau because XXXX closed an account out and then released an address where I never lived or visited a credit bureau. 


XXXX XXXX
Product: Checking or savings account

Bank of America is failing to provide me accurate and true statements from XXXX and XXXX. Bank closed on my twice for my checking and savings and I have proof they e committed theft and fraud with both previous accounts checking and savings and made up transactions not valid as confirmed with XXXX XXXX XXXX transactions from XXXX, XXXX in XXXX, XXXX in XXXX, XXXX and XXXX in XXXX, checks returned not deposited but also debited from my checking account also in XXXX. For XXXX Ive confirmed with XXXX and XXXX they were never paid as the bank claims they have. My money has not been refunded back to me since the account got closed in XX/XX/XXXX. The bank also fails to provide a statements for XXXX since I opened with them on XX/XX/XXXX with {$800.00}.
Product: Credit reporting or other personal consumer reports

I have several credit monitoring tools. How is it possible for there to be over 100pts difference in my credit scores??
Product: Payday loan, title loan, or personal loan

I never applied for this loan and it is fraud. I have filed court order but did not press charges. I do not understand how the loans are stated but this is not week to take dime out of my account. Multiple loans came out of my account for years. XXXX isnt my email.. or whatever it is.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX CONTINUES to bully us regarding our vehicle loan. Today, XX/XX/21, I received an alert that the status of 2 payments from MONTHS ago have changed AGAIN. They were delinquent, then current, and then changed to delinquent AGAIN. They CONSTANTLY do this. They are CONSTANTLY intimidating us. They are CONSTANTLY bullying us. Its almost XXXX. We have been trying relentlessly to transfer our loan elsewhere due to their constant unprofessionalism and disrespect. They know theyre damaging our credit by changing payment histories for the SAME 2 MONTHS over and over. We are tired of it!
Product: Mortgage

I have 2 mortgages with Caliber Home Loans. I pay extra on my mortgage every month that is to be applied to the principal. However, Caliber doesn't apply the extra to my principal. I have made multiple calls, wrote a letter and let them know in surveys I have taken. I received no response to my letter ( letter attached ). When I call every month, they say they will fix it but has you can see from screenshot attached it just makes a mess out of my online account sheet and I can't determine what has actually been done. I have paid an extra {$2000.00} every month this year that was supposed to be applied to principal. I don't see where this has been done each month. The last representative I talked with last week said she would send me a detailed account statement, I have not received it. 

I didn't have this problem with Caliber Home Loans until I refinanced my mortgages last year. The one solution I received was to put in my bank information into their online website and they would pull the funds directly from my bank account. I have always paid my bills through my bank 's bill-pay system and prefer this method. Due to security reasons I will not put my banking information into online sites and give a company access to pull funds out of my personal accounts. 

I have consistently paid {$2700.00} each month. That's {$710.00} Mortgage payment + {$2000.00} principal. If you look at the screenshot of my account statement you will see that it hasn't been processed correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) XXXX XXXX XXXX ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.
Product: Checking or savings account

At XXXX I was at the grocery store checking out and I attempted to log in to my online bank app to unlock my debit card when it falsely locked me out saying my credentials were invalid. My username and password are saved in my phone, and they worked a few hours prior when logging in to unlock my card earlier in the day. I attempted to reset my password which asked to verify my username and last four of SSN. After giving this info correctly, it sent me a text message PIN number for me to enter to continue resetting my password. After I did this, the app told me they couldnt reset my password. I did this two more times before having to leave because the grocery store closed at XXXX.
Product: Vehicle loan or lease

I XXXX XXXX XXXX  several letters to the kia motors corporation especially when I recieved the 3 recall notices due to the air bag chip malfunction this is why all 3 accidents the air bags dud not deploy and I could have XXXX  been killed also the 2 recall notices due to the key fob locking devices nit locking the car properly and they the kia motors corporation XXXX the nerve to reject my letters I sent to them concerning the accidents and the XXXX bags not deploying when they sent me a letter about the air bag chips not working properly and these XXXX XXXX XXXX which u had a totally unsafe car XXXX XXXX XXXXXXXX which I Also have been harassed by the lean holder XXXX XXXX XXXX which they have the unsafe car now and I don't know if they are re investigating this with the XXXX XXXX XXXX or not. I have been stressed out over 8 months since that accident with this unsafe car XX/XX/XXXX which was not my fault plus XXXX XXXX XXXX the lean holder of this piece if trash vuchle have the same XXXX recall notices with the total loss dept again I not only want that XXXX XXXX dollar bill eliminated which XXXX XXXX XXXX  are trying to make me pay or else my credit will be all screwed again is this the way to treat a XXXX XXXX XXXX XXXX veteran. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX veteran on a fixed income I want justice. I want you people to be on my side and assist me in suing kia motors corporation over the un safe car that was sold to me XXXX by XXXX XXXX if XXXX XXXX CA And I also want loss wages because I was working fie the XXXX local XXXX stage hands XXXX XXXX XXXX which I had to take myself off the roster as a electrican tech concerts and convention contracts on the XXXX XXXX XXXX because I lived too far to make the calls and I lost over XXXX in working contracts. I also want the kia motors corporation sued for pain and suffering and I know that there are millions of people suing kia and hyundai motors fir these screwed up cars that sre nit only un safe but easy to steal especially the one I had. My new address us XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX nv XXXX my cell no is XXXX my email address is XXXX thank you for your assistance
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for Bank of America Credit Card. 

Bank of America sent me letter that there is problem getting my score. 

When I contacted them they said I have fraud alert on my credit file and I need to add phone number. 

I tried with Credit Bureaus and I was unable to add phone number after several attempts. Their website keeps giving error. 

Now I see hard enquiry on my account from Bank of America. 

At this point my credit card has not been APPROVED or DENIED. 

I requested bank of America to withdraw application and remove hard enquiry since I am withdrawing it before decision being taken on my account but Bank of America says they cant remove that hard enquiry. 

Therefore, my request is to either 1 ) Take decision since hard enquiry has been made or 2 ) Remove hard enquiry from account since as per BOA, I have fraud alert on the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying very hard since my divorce and some major medical issues to get my credit cleared up. For some reason Equifax doesnt seem to work like the other credit companies. This week 2 companies agreed to removed 2 old debts from my report. Instead of points going up they went down. The other companies they went up. Please tell me why that one would go down 16 points.

I am trying to move on with my life and buy a home. 2 steps forward 5 steps back. Please help.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Transactions were changed to XXXX once they left my bank account and were going to a Chase bank account. My bank had two separate security verification actions that had to take place before the money went out. The XXXX side of the money transfer transactions did not require the recipient to verify or enter any security information or confirmations to finalize the transaction and, since the account no. inadvertently got transposed on accident by the original intended recipient, and when it changed to XXXX transactions into the Chase Bank ( which did have another customer with that transposed account no. already ), it did not require any confirmation or security code from that account recipient and the money went through immediately to the wrong Chase Bank account. 

I tried to both cancel and/or reverse the transactions but no one could stop it. I tried to get the money reversed a couple of days later in person, but my bank said it was out of their hands because it went through XXXX after it was sent to a Chase account and Chase Bank refused to do anything. I was also told by Chase Bank that I would need a police report. My local police department said they could not file a report because there wasn't a person or entity to report as the perpetrator. I was also told by Chase Bank representative in person at XXXX that they would not contact the other account holder and would not investigate. 

I filed a claim in XX/XX/year> here against XXXX. I was contacted one time by phone while driving by a XXXX representative and they said I needed to provide them with the other account holder and XXXX transaction information. I explained that I already provided the information from my bank and the Chase account that the money transfers should have gone to, but I could not get the information for the actual recipient " other '' Chase Bank account-holder because I did not have rights or access to that information and that XXXX would have to get that. The XXXX representative said that, if I couldn't get the information, then she was closing the claim.

ChaseXXXX made fraud easy by not having security and verification procedures for transactions and refused to help victims.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found this fraudulent account on my credit report. I was shocked to learn that Ive been a victim of identity theft. Please remove this account from my credit report. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is reporting to Experian that there were late payments on a mortgage I held prior to my bankruptcy in XXXX, and foreclosure was not completed until XXXX. During my bankruptcy, the house was foreclosed. There is a sheriff 's deed certifying that the foreclosure was completed with the XXXX XXXX Clerk of Court on XX/XX/XXXX. Yet, XXXX and Experian are reporting that it was not foreclosed until XXXX. I have unsuccessfully filed a dispute with Experian about this. Experian has claimed that XXXX XXXX  certified the I formation as accurate, even though it is clearly not. Apparently their certification process needs an overhaul.
Product: Consumer Loan

I leased a car from US Bank initially on XX/XX/XXXX. 
The lease is close to maturity and I wanted to exercise my options of either buying the car from the Bank or trading it to a dealer to get another car. 
To make that decision, I wanted to know the ( 1 ) payoff quote that I would pay if I bought the car or the ( 2 ) the amount a dealer would have to pay US Bank to arrive at the trade in value of my car. 
I called US Bank on XX/XX/XXXX and again on XX/XX/XXXX to get that information. I spoke with XXXX of US Bank at XXXX at XXXX. While they gave me my payoff price they refused to tell me how much the dealer would have to pay them to payoff the car. I asked to speak with their supervisor. I was kept on hold for XXXX minutes after which I was told that the supervisor will not talk to me. 
They maintained it was their policy to not let the consumer know what the dealer would have to pay to payoff the car. As a consumer, it is important for me to know how much the dealer would have to pay the bank so that the dealer does not manipulate the trade in value of the car. 
Citing an unknown, unwritten policy which I have never agreed to, US Bank refused to let me know the dealer payoff price. I, as the consumer and customer of US Bank, who initially leased the should have a right to know the dealer payoff price. US Bank is clearly running a scam along with the dealers to rip consumers off. 
I am writing to seek help from the CFPB to have US Bank provide the dealer payoff information for the car which will impact my trade in value. I also request the bureau to implement rules to prevent banks from engaging in such hideous policies so they can not run such scams with dealers against consumers. 
Thank you.
Product: Debt collection

Midland credit management debt collection company has been robocalling constantly. They are violating the law. Here are the phone numbers and dates. Please investigate this harassment. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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

This has been reinsterted with out having the debt verified, violation of FCRA section 611 15 USC 1681 paragraph 5 I need this removed asap or will file a lawsuit. 

I never had a big bill like that one they are misleading people with please remove asap. Cease and desist immediately
Product: Mortgage

Caliber Loans keeps paying the wrong property parcel ID to my town so effectively my taxes are unpaid and I now have a lien threat or actual lien on my home. I 've been calling them and faxed them the tax notices at least XXXX time since the issue began in XXXX of 2014. I can only reach the customer service dept and they ca n't do anything and I ca n't call the tax research dept who is responsible for fixing the error. The parcel ID needs to changed, I provided the information and nothing has ever been done to my knowledge.
Product: Credit reporting or other personal consumer reports

Hi, I had three different banks contact me. 
Wells Fargo - XX/XX/year>. 
XXXX XXXX  - XX/XX/year>. 
XXXX XXXX  - XX/XX/year>. 

All were denied by the banks. 

They all had hard hits on my credit report and it appears someone is trying to open credit cards/checking accounts in my name. I did not apply to any of these.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navy Federal Credit Union has hard pulled my wife and my credit reports multiple times without our consent.
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 of my Police Report/FTC Identity Theft Report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 

The following information on my credit report is the result of identity theft and should be blocked : XXXX - XXXX - XXXX 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 this information, ensuring my credit report no longer contains any fraudulent details.

Several times, I have called the credit bureau reporting these fraudulent accounts in my report, but the CREDIT BUREAU has not provided a solution to this problem. I am being severely affected, as it prevents me from acquiring a new house for my children. These collections were eliminated and not verified by other bureaus, and I do not understand how they continue to claim 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 by immediately deleting these accounts. Here, I include the FTC report, hoping that you make a better decision in my situation. Thank you.