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

I have not supplied proof under the Doctrine of Estoppel by Silence, Engelhardt v. Gravens ( MO ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

In accordance with the fair cridit reporting act XXXX  Account XXXX, XXXX XXXX XXXXXXXX  have violated my rights. 
15USC 1681 Section 602 States I have the right to privacy.

15USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may noy trear a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXXXXXX  Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX . These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform.Despite using zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately.They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible.The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am XXXX XXXX submitting this without any influence and this is not a third party. 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. 

FOR XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX unknown XXXX XXXX XXXX, XXXX Unknown XXXX XX/XX/XXXX Original Creditor XXXX  XXXX  XXXX XX/XX/XXXX unknown XXXX XX/XX/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 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 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

XX/XX/year> Enrolled in account via netspend.com after viewing a promotion to receive a XXXX XXXX ( {$40.00} ) bonus after completing required deposit activity. Began account verification process to pull funds from account once the deposits were received via XXXX. I attempted to link the account with my XXXX account via XXXX. 

XX/XX/year> Notified by email to contact customer service by telephone, XXXX, because of an 'account issue '. I called XXXX. I was not able to log into the account. The agent told me the account was flagged as a risk and closed. The agent also said any further information about the closure was not possible to relay. The agent did not offer an explanation. 

XX/XX/year> I received an email congratulating me on my new account. The account is described as follows, " Netspend Debit Account is a deposit account established by XXXX, XXXX XXXX, Member FDIC. XXXX XXXX XXXX XXXX is a service provider to XXXX, XXXX. ''
Product: Debt collection

Contacted this company XX/2017 with certified mail asking to validate debt they are trying to collect. Portfolio responded but not with suitable verification of debt, no sign agreement or verification they had the right to collect. Sent a second letter asking for validation Company sent same information as the first time and a letter stating that their dispute department has review this information and they are not going validate the alleged debt again. My issue is that they did n't validate it at all nor did they provide documentation that they have the legal right to collect this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX Inquiry from XX/XX/2018 XXXX Inquiry from XX/XX/2018 XXXX/XXXX Inquiry from XX/XX/2018 XXXX XXXX Inquiry from XX/XX/2018 XXXX   XXXX Inquiry from XX/XX/2018 Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.

I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months.
Product: Credit card or prepaid card

I opened my CITI secured card in XX/XX/XXXX. By XX/XX/XXXX, my secured card was closed and my e statements were restricted shortly after that. In XX/XX/XXXX, on numerous occasions I called in to inquire about my Citi bank credit card. The debt is listed on my credit report as failed to pay. Citi bank has horrible customer service representatives that are not thorough when review information or providing the facts that I requested. I paid a security deposit to my account so when my account was closed the amount owed was XXXX. I was charged fees that were not valid and Citi has refused to address my concerns for the past year. In XX/XX/XXXX, I formally filed a dispute via mail and receive a generic response stating that Citi was favored in the dispute process which is overtly biased based on their internal team review the account. I never got information that I requested about contacting the credit management department or any other department beside their recovery team who have been little to no help. Their ways of handling consumers and their monies are erroneous. It's a power struggle working with a big company that has created a maze of tunnels so that consumers are frustrated befor their concerns are met with solutions. In summary, I do not owe any amount over the balance after my account was credited. I would like to have a manager from the credit department contact me about this matter. Also, I would like to be provided a letter with the date of closure and reason why the account was closed in the first place.
Product: Credit card

Amazon allows its customers to set up interest free payments on purchases ; however, when a consumer logs in to pay their credit card, they do not list the amount the consumer needs to pay to avoid interest charges. This is also true for their credit card statements -- there is no clear amount a consumer needs to pay to avoid interest charges each month.
Product: Credit reporting or other personal consumer reports

Im deeply upset to discover unauthorized inquiries on my credit report this afternoon, and I cant figure out why. I routinely check my credit report, but this time, unexpected discrepancies appeared. Even after refreshing the browser, hoping it was just a glitch, the inquiries remained. I urge you to thoroughly review the documents Ive provided so I can finally put this concern to rest.
Product: Debt collection

On XX/XX/2020, I received a collection letter from Integrity Texas Funding LLP, d.b.a. XXXX XXXX. I have never done business with a company of either name. That same day, I responded to them in writing disputing the debt. In my dispute letter, I explained I had never done business with them and requested evidence that I was the debtor. 

In response, I received a copy of an unsigned credit application. I did not receive any evidence that I was the borrower. The company claimed their investigation showed I was the borrower. It is exceedingly clear they failed to conduct as reasonable investigation as required by the Fair Credit Reporting Act, and that they have not met their legal obligation to provide evidence that I owe the debt they are attempting to collect. 

As the victim of identity theft, I am appalled by their callous disregard for the law. Based on my experience and their lack of evidence, I suspect this firm routinely violated anti-money laundering requirements to " Know Your Customer. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the XXXXne filing this complaint not some company or not any other third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

HSBC Bank NA knowingly deceived me by using the Attorney which i hired to represent me at a house closing, to represent them ( HSBC ) instead. Hence, i was defrauded in multiple ways by thinking that i hired the Attorney to represent me, whereby he represented HSBC. Whereby, producing fraudulent documents ( by giving me blank documents ), and NEVER stating where the money for an alleged loan would come from. Hence, a fraudulent table-funded loan. 
HSBC was quite aware of the fact that - that type of arrangement is FRAUDULENT AND A CONFLICT OF INTEREST. Please note that i have written proof from the Attorney, on his letterhead with his signature - whereby, he stated that he represented HSBC. Including other documents to state my claims. 

I also have other supportive documents accordingly ... .. 

HSBC is now using gross/polowy ( a collection agency ) to send me on-going HARASSING/BULLYING COMMUNICATION which includes fraudulent information, as well-as to include information for people I DON'T KNOW, and has attached their information to my name. 
HSBC Bank NA must ask gross/polowy whom they have employed to stop harassing me, with fraudulent information, and to cease and desist from harassing me with their fraudulent/defamation of character which they - HSBC AND XXXX have made public. 
HSBC has also allowed the company ( XXXX/XXXX  ) they hired to harass me to attach/link information for people i do not know, and have never known to my name and personal information. Thus, further defaming my character. 

HSBC Bank NA has also given the three major credit reporting agencies fraudulent information about me, which has seriously damaged my financial profile - whereby stating that i took a loan from them, as well-as other company on the same date, which is fraudulent. 
XXXX shows that i'm linked with them as an active account holder. As well-as having multiple loans taken out on the same date - which is NOT TRUE. 
Hence, i'd like to know who is at the helm of the current house foreclosure mill with such fraudulent information, while HSBC Bank NA continue their fraudulent practices?
Product: Debt collection

I've been contacted by this company by the name of Wynberg/Wineberg Mediation Group from the following phone numbers XXXX,XXXX,XXXX even after repeatedly asking them over a course of two months they still call me on my cell phone and leave messages all the time I am sick of this at least 4 to 5 times a day threatening me with jail time and lawsuits I just want to know why it hasn't been stopped I've seen dozens and dozens of complaints about this when I research the various phone numbers they call from and to no avail I want them to stop stealing customers information and identities and trying to collect debt illegally there should be some jail time behind this!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor, XXXX XXXX, account number : XXXX has violated my rights under XXXX XXXX XXXX section XXXX states i have the right to privacy. XXXX XXXX XXXX section XXXX a section XXXX also states a consumer reporting agency can not furnish an account without my written instructions. Under XXXX XXXX a creditor XXXX not treat a payment on a credit card account under an open end cosumer credit as late for ANY purpose.
Product: Mortgage

I bought a house in 2020, XXXX with a mortgage {$320000.00} from the quicken loan company. At the very bagging of the pandemic, my wife lost the job. Then I apply for the forbearance plan and the Rocket mortgage has approved and it has been extended up to XXXX XXXX of this year. 

On XX/XX/XXXX, I called Rocket mortgage and asked some questions regarding my payments. They offered me a loan modification plan with hidden conditions basically the interest rate and the years of the mortgage period. 

After receiving the notice of the loan modification, I get to know that the hidden conditions. Then I called them to withdraw the modification plan because of the unreasonable hidden conditions. But they refused to allow to withdraw my consent. 

Then XXXX complaint against them to the CFPB and the complaint # XXXX. After complaining and couple of days later, one of the executing officer called me and agreed to withdraw the earlier unreasonable loan modification plan and I requested a loan deferral plan which is enable to settle the default amount at the end of the mortgage or when I sell the property. I am legally entitled and qualify for the loan deferrals program. 
Finally both parties agreed to those plan and they calculated the monthly mortgage payment for {$2000.00} per month for 5 years. The regular mortgage payment is {$1900.00} per month but they said that they need to recover my property taxes and the property insurances that I defaulted with the forbearance plan. I agreed and they calculated {$2000.00} per monthly payment and later they send me as XXXX. They sent me the notice and I it says that there are no any change the other conditions of the original mortgage agreement. 

I am complaining now because of the following two reasons. 

1 ) They increased my loan balance in {$21000.00}. Because I borrowed only {$320000.00}. Now they show me in my account {$340000.00}. How they have increased this loan amount {$320.00}, XXXX up to {$340.00}, XXXX. 

2 ) They have double charged property tax and the property insurance payment for the forbearance period. Because already calculated default payment included the property taxes and the property insurance. But They have added to the defaulted forbearance period t property taxes and the property insurance to the current monthly instalment. That is the reason I have to pay {$2000.00} instead of {$1900.00}. 

I agreed with loan deferral plan. Please make an investigation regarding above two things
Product: Mortgage

My mortgage lender is refusing to cancel private mortgage insurance from my loan. The loan to value ration of my mortgage loan is less than 80 %, I am up to date on my payments and I have never been late, and I have requested cancellation of PMI in writing from them. I made extra payments on the principal of my mortgage loan to bring it down below 80 %. It has been slightly over one year since I purchased my property. My mortgage lender claims the loan to value ratio must be 70 % instead of 80 %. I have a conventional mortgage loan with a fixed rate and I believe I am entitled to cancel PMI once I have paid the principal balance of the loan down to 80 % or less of the value of the property at the time of its purchase. The value of the property at the time of its purchase on XXXX XXXX, 2014, according to appraisal used by the lender was {$160000.00}. The principal balance on my mortgage loan today is {$120000.00}, which is 79.95 % of its value. The value of my property has not declined in the last year.
Product: Checking or savings account

This issue just happened today, XX/XX/XXXX. My account has stated on digit that it will not connect with digit and its services for some reason. I am trying to connect with it and it wont connect.
Product: Debt collection

RE : account name : BOUNCE AI INC Address of creditor/collection agency XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX number XXXX XXXX XXXX XXXX Re : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim I owe {$640.00}. This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the correspond- ing local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) 48 Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Product: Mortgage

I recently applied for a pre-approval for a home loan with U.S. Bank as a XXXX time home buyer. I was denied stating that my score was too low and to essentially try again in a year. I have been doing credit counseling and have been working on my credit for a while and spoke with my counselor to make sure I would qualify before applying for anything. My counselor agreed that I was ready based on my credit score and report. However the loan officer for U.S. Bank stated that my score was a XXXX which was way lower than the XXXX I had pulled from all three bureaus. When I asked to see a copy of the report that was pulled from the loan officer I was told they ca n't share that information with me. I called customer service with the bank and was transferred several times with each person not knowing if I could get the information or not. I finally reached a guy who told me he would have someone call me with the information in XXXX minutes and that he would check back and follow up. I never got a call from anyone with U.S. Bank regarding this issue and he did not follow up. It is my right as a consumer to have access to this information if I am denied credit.
Product: Money transfer, virtual currency, or money service

i believe that it was a mistake to close my paypal account, i am using my paypal account for my online business, Business name : XXXX XXXX XXXX description : digital products services or, selling. 
i don't remember, when i start my paypal business, but i recieved my first payment, on XXXX, XXXX, XXXX usd, from XXXX XXXX XXXXXXXX XXXX with transaction Id : XXXX. 
i need to withraw my stuck funds, ASAP, for emergency purposes, and i am hoping that i will get back my PP Account, and able to withraw my funds. Thank you, and God Bless.