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

In accordance with Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX XXXX XXXX, ACCOUNT NUMBER XXXX, BALANCE {$5500.00} XXXX XXXX ACCOUNT NUMBER XXXX, BALANCE {$1100.00} XXXX XXXX, ACCOUNT NUMBER XXXX, BALANCE {$1100.00} XXXX XXXX  XXXX ACCOUNT NUMBER XXXX, BALANCE {$22000.00} INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX PXXXX XXXX XXXX XXXX 

15 U.S.C 1681 section 602 A. States I have 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: Mortgage

To Whom It May Concern, Im writing this complaint in frustration. In XXXX I purchased my home with a 1st and 2nd Mortgage. In XXXX I decided to do a refinance on both loans, but upon the process of doing the refinance, I noticed that the bank wasnt working with me to complete the process. I then took matters in my hand and hired an attorney ( XXXX XXXXXXXX XXXX XXXX ) to see what was going on with the loan. It was a process and nightmare with the first mortgage, but somehow, I got it resolved in court in XXXX. The second loan did not get resolve by the attorney, so what they did they took out a mortgage on the loan and I was paying them {$400.00} a month from XXXX, in confidence believing that everything was ok at the time, but basically, they took advantage and collect money from the loan, knowing that I never had a Mortgage Company for the loan. A few years later in XXXX, I was served a court summons from this bank called XXXX XXXX XXXX XXXX XXXX, claims that they now own the loan. I then again hired another attorney to look into the problem and currently its not going the right way as it should be, because the bank forges my husbands signature on the Mortgage documents of which he is not on the Mortgage. The loan is a lost document, and they dont have the original documents. Now they are trying to force action to take my house away from me, if I dont agree to pay the actual amount that is owed. I need to know how this can be right in the hands of the law. I never being into any foreclosure issues before and this is not my fault that the documents were incomplete or lost throughout the years. After XXXXyrs, no one ever claims the loan until now. I need to know what to do, because I cant afford for them to take my home, knowing that they committed a fraudulent act on the documents. Im willing to work with them to do the right thing, but moving forward knowing what they did is unbearable. I need someone assistance in this matter. Thank you.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to address discrepancies found on my credit report, specifically concerning the provisions outlined in 15 USC code 6802, 15 USC 1681b , and 18 U.S. Code 1028A.

According to the Fair Credit Reporting Act ( FCRA ) Section 605B, it is imperative that all information reported on my credit profile be accurate and lawfully obtained. Under 15 USC code 1681b, there are strict guidelines regarding the dissemination of consumer credit information, ensuring that it is handled responsibly and with due diligence. 
Upon reviewing my credit report, I have identified inaccuracies that violate the aforementioned regulations. As per my rights under the FCRA, I request the immediate removal of this erroneous information from my credit report. 
Furthermore, in accordance with the doctrine of estoppel by silence, as established in XXXX v. XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I must emphasize that no proof of the alleged debt has been provided. Hence, it is reasonable to conclude that such debt does not exist. 
I kindly request your prompt attention to this matter and the necessary actions to rectify the inaccuracies on my credit report. Please provide confirmation once the corrections have been made. 
Thank you for your prompt attention to this matter. Dear Sir/Madam, I am writing to address discrepancies found on my credit report, specifically concerning the provisions outlined in 15 USC code 6802, 15 USC 1681b , and 18 U.S. Code 1028A.

According to the Fair Credit Reporting Act ( FCRA ) Section 605B, it is imperative that all information reported on my credit profile be accurate and lawfully obtained. Under 15 USC code 1681b, there are strict guidelines regarding the dissemination of consumer credit information, ensuring that it is handled responsibly and with due diligence. 
Upon reviewing my credit report, I have identified inaccuracies that violate the aforementioned regulations. As per my rights under the FCRA, I request the immediate removal of this erroneous information from my credit report. 
Furthermore, in accordance with the doctrine of estoppel by silence, as established in XXXX v. XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I must emphasize that no proof of the alleged debt has been provided. Hence, it is reasonable to conclude that such debt does not exist. 
I kindly request your prompt attention to this matter and the necessary actions to rectify the inaccuracies on my credit report. Please provide confirmation once the corrections have been made. 
Thank you for your prompt attention to this matter.
Product: Debt collection

I am the XXXX  " " the garnishment I received via email on XX/XX/18 ; for an employee, did not appear to be standard ( signed by a judge or court officer ) I contacted our attorney who then referred me to you to report this. I have all emails and paperwork sent to me by XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 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. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1600.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXX.
Product: Credit card or prepaid card

Dear Sir or Madam : I am writing to dispute a debit in the amount of {$1300.00} on my account. The amount is inaccurate because the merchandise I ordered was not delivered. I ordered the merchandise on XX/XX/19. I received the package on XX/XX/19, but opened the package on XX/XX/19. Upon opening the package, ( package came in a shipping bag instead of a box ) I noticed that the box of the product had already been opened and was not sealed in the plastic shrink-wrap that it would come with. When I opened the box, all of the contents were missing. Instead of what I ordered there was a heavy egg shaped granite sphere and what looks like a base that holds it. I immediately contacted the merchant through email as they are a XXXX company and I did not have a way to call. I explained to them that I received the package, but the contents were not what I ordered. The merchant explained to me they would contact their warehouse and email me once they received a response. On XX/XX/19 the merchant contacted me to explain that the warehouse informed them they had indeed shipped out the item. The issue at hand isn't if the warehouse shipped/did not ship the item. The issue is that the package that was shipped out was fraudulent, and did not have the items I ordered. The merchant explained to me there was nothing they could do and that I needed to contact my local shipping courier. Immediately after the merchant informed me of this, I inspected the shipping bag that the package came in. This shipping bag did not appear to have been tampered with, as the only cut was the one I had just made to open the package. Being a bag instead of a box would have made it difficult to hide any type of tampering. A bag would continue to show an opening no matter how it is taped as opposed to a box which can be opened and re-tapped without anyone 's knowledge. I proceeded to contact USPS and explained to them the situation. They let me know that this is something they would be looking into and would contact me by email. USPS sent back an email stating the package had been delivered without issue, and was delivered the same way they received it. I contacted the merchant and explained that USPS had completed their investigation and deemed that the package was delivered in the same condition it was sent. The seller then gave me the same reply to  check with the shipping company which sent the item to me. This is the point at which I contact my bank and file a dispute explaining what happened.
Product: Debt collection

Portfolio Recovery Associates has called us repeatedly this past month ( XXXX 2017 ) about a debt they say I have with XXXX. I have explained to them that I do not have an account with XXXX and they have the wrong person or the wrong information and to stop calling me. I also asked that they send the alleged debt information to me via the USPS. I have not received anything, yet they have continued to call, each call from different telephone numbers and area codes, even after being told to stop calling me over and over again. One day last week, they called three times within one hour from three different telephone numbers. The most recent call was from phone number : XXXX. I have blocked every number they have called from so far, but from reading online complaints against this company, they supposedly use dozens of different numbers to call and harass people. Unfortunately, I did not keep a log of dates or numbers after blocking them, but this is harassment and it needs to stop. Again, I do not owe any debt nor do I have an XXXX account.
Product: Money transfer, virtual currency, or money service

I contacted Cash App at the following number! XXXX. All communication was done via text. I was just trying to send my girlfriend XXXX for a plane ticket to fly from XXXX, Ohio to XXXX XXXX, TX. My Banks XXXX and XXXX lookup the action of this cell phone application as a scam and or fraud and blocks all attempt to withdraw funds from any account. I have attached the entire text of our deals to this compliant in PDF form.
Product: Credit reporting or other personal consumer reports

To : First National Bank of Omaha AND XXXX XXXX XXXX I write to advise you that I plan to file a lawsuit against you in the United States District Court Middle District of Florida XXXX Division due to your multiple and ongoing willful violations of the FCRA and FDCPA. I need you to provide me with a list of options and preferred options to have the Summons and Complaint served upon you. Please advise me of your registered agent name, address and phone number for service of process in Florida AND all branches, offices, agents, attorneys or representatives in XXXX XXXX, Florida and in any other counties in Florida who can and are authorized to accept service of process. Moreover, after filing a lawsuit, I plan to send you a Notice of a lawsuit and request to waive service of a summons to reduce costs of service and provide you with additional time to respond. This may provide you with additional time to respond, instead of 20 days. For your convenience, please provide me with your preferred address to send such Notice with the Complaint, such as your Legal Department. Local Rules of the XXXX XXXX XXXX XXXX Florida require your counsel to confer with me before filing even routine motions to ascertain whether I oppose or unoppose a motion. If your counsel files a Notice of Appearance before a Clerks Default is applied for and needs an enlargement of time to file responsive pleadings, you may file a copy of this document representing to the Court that I do not oppose up to a 30 day enlargement of time to file responsive pleading to comply with the Rules obligation to confer. However, If you do not provide me with the information requested above and you are properly served with a Summons and Complaint, I will promptly at the earliest date possible file an application for a Clerks Default and a Motion for a Default Judgment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 antedate the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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: Debt collection

After looking at my  credit score  on   XXXX   XXXX   I noticed two different charges from a credit collector who I sm familiar with that takes care of medical debts in the arera I reside. These two different reports was a red flag to me due to a couple different factors. The first thing that has caught my eye was the years in which the debt collector is saying I owe money. I did not utilize the ER/Hospital/Physician that this debt collector normally tries to collect debts. The only type pf  medical services I received in both of the years in quedtion is through my family physician who does not utilize any of the hospital/ER in the aera, futh ermore I have not been in a ER as the debt is accusing. The second thing after the reported years not being any year I had been treated in any of the hospitals the days of the accused aquired debts are almost exactly to the date of the other  by one day. What really concerns me about these reported debts is on or around the time the debt collector is saying that the debts occured I was sepersting from my significant other of ten years and he had a family member who was working for the debt collector at the  time these debts would have been acquired. This family member of my significant other were not on a positive point with each other, due to the seperation.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX Account number : 19 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX : {$18000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 submitted a dispute letter to the collection agency XXXX XXXX who has failed to validate the debt or ownership of the account ( original creditor XXXX XXXX XXXX ). After Midland had not updated to the 3 CB in over 6 months, XXXX XXXX XXXX reported a derogatory mark on my credit. The collection agency and the original creditor are claiming the debt, duplicate reporting for the same account. Midland has failed to verify they own the account and XXXX XXXX XXXX has closed/charged off the balance
Product: Credit reporting or other personal consumer reports

I am writing to file a formal and urgent complaint regarding the inaccurate personal information that is being reported on my consumer credit report. I have made multiple attempts to rectify this issue, yet it remains unresolved, and I am extremely frustrated by the lack of action taken to correct these errors. 

The inaccurate information being reported is as follows : Incorrect Name - XXXX XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX TX, XXXX EMPLOYER - XXXX XXXX XXXX EMPLOYER - XXXX XXXX XXXX  This inaccurate information is damaging my credit profile and severely affecting my financial wellbeing. Despite my attempts to dispute this with the credit reporting agencies and the responsible entities, the incorrect data continues to be reported, showing a blatant disregard for the accuracy and fairness requirements set forth under the Fair Credit Reporting Act ( FCRA ). 

I am demanding immediate removal of the erroneous personal information from my consumer report. It is unacceptable that my credit is being harmed due to mistakes that are not mine. The credit reporting agencies and the entities involved are clearly in violation of the law, and I expect swift action to resolve this matter. 

I request that the Consumer Financial Protection Bureau launch a full investigation into this matter and take immediate steps to ensure that my credit report reflects only accurate and verified information. 

I expect this issue to be addressed and resolved without further delay. If this situation is not remedied promptly, I will be forced to take further action, including pursuing legal options to hold the responsible parties accountable for the ongoing damage to my credit and personal reputation.Thank you for your immediate attention to this matter. I expect a prompt response and resolution to this issue.
Product: Credit card or prepaid card

A while ago I received some correspondence from CITI and I don't remember ever having a CITI card. So I canceled that immediately. The card wasn't in my wallet and I didn't remember applying for the card. Move forward I am on the market for airline tickets. While shopping XXXX XXXX I see while checking out that I would get a {$250.00} credit on my first statement if I opened applied for a credit card. So I did. Purchased my tickets using the card and thought this might be a good card. However, when the statement arrives there is no credit. I call and they said because I had closed a credit card they couldn't give me a credit on the NEW account. Wait what? The first card wasn't even activated, no activity, nothing. The right thing to do would be to honor the advertisement. There was nothing stating if you had a previous account you are disqualified. Buying those tickets that way will have cost me other discounts because I have points to put towards that purchase. I just want this company to do the right thing and honor the advertisement. I am doing the right thing by paying timely they should do the right thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 U.S.C. 1681B ( C ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) Furnishing reports in connection with credit or insurance transcations that are not initiated by consumer ( inquires ) - ( 1 ) In General A Consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( c ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if- ( A ) The consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transacation consists of a firm offer of credit or insurance.

( 3 ) INFORMATION REGARDING INQUIRES I DID NOT GIVE CONSENT TO ANY COMPANY TO PULL MY CREDIT REPORT THEY JUST PULLED IT ON THERE OWN I GUESS THEY WERE BORD OR NOT PAYING ATTENTION OR WHAT EVER THE EXCUSE IS BUT I JUST WANT THE FOLLOWING INQUIRES OFF MY REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I HAVE TOLD THE CREDIT BURASU A MILLION TIMES ABOUT THIS ISSUE ESPECIALLY { { XXXX } }!!!! XXXX TOOK THE INQUIRES OFF SENT ME PAPER WORK THAT THEY TOOK THE PAPER WORK OFF THEN INSERTED THE INQUIRES RIGHT BACK ON MY REPORT AND DID NOT EVEN SEND ME A LETTER BEFORE HAND TO TELL ME THAT THEY WERE GOING TO DO THAT!! THAT IS A VIOLATION!!! XXXX STAY VIOLATING EVERYDAY LIKE ITS A GAME!!! I CALL XXXX AND IT TAKES ME 3 XXXX HOURS TO GET A LIVE PERSON ON THE PHONE AFTER THE COMPUTER HANGS UP ON ME OR ACT LIKE IT CAN'T VERIFY MY INFOMATION BY TELLING ME THE INFO IM GIVING THEM IS WRONG!! HOW COULD THAT BE I KNOW MHY XXXX CREDIT REPORT INSIDE OUT I KNOW MY OWN PERSONAL INFOMATION WHEN ASKED ABOUT TO BECAUSE ITS MY INFO MY LIFE!!!!!!!!!! IM TIRED OF THIS XXXX BETTER STOP PLAYING WITH ME!!!!!! AND THEY NEED TO ANSWER THE PHONE!!!! PEOPLE NEED HELP OUT HERE WE ALL HUMANS NOT ROBOTS!!!
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries from my credit file as I am a victim of a data breach. These accounts and inquiries were made without my authorization. I am asserting my rights under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$2800.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$4400.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$3200.00} Fraudulent Inquiries : XXXX - XX/XX/XXXX