23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am have been fighting forclosure for over 2 yeara and i am finally running out of options. Ive sent many negotiable instruments that have not been excepted by my mortgage company. I sent the XXXX XXXX XXXX for XXXX XXXX. a negotiable instrument in the amount of XXXX with NOTICE OF CLAIM TO INTEREST FIRST ATTEMPT on XX/XX/year> ( sent certified mail and accepted ) with the below instructions " I XXXX, XXXX-S/agent here on behalf of XXXX XXXX. I Hereby accept all Titles. All Rights, All Interest, and Guaranteed Equity owed to Principal XXXX XXXX. I hereby instruct CFO ( XXXX XXXX XXXX ) to apply Principals Balance to Principals Account # XXXX each and every billing cycle for set-off. Please apply this XXXX of payment to the account within XXXX business days after receipt of this notice. I also instruct CFO ( XXXX XXXX XXXX ) to communicate through writing if there is any discrepancies within XXXX business days. If no communication is made within XXXX business days after receipt of notice then I can assume that the aforesaid instruction have been completed. '' Then I sent another negotiable instrument-OPPORTUNITY TO CURE SECOND ATTEMPT XXXX XXXX delivered XX/XX/year> via XXXX Tracking number XXXX and another to XXXX certified mail on XX/XX/year> via usps Tracking # XXXX. 

I Received a letter from XXXX stating they have no connection to my property. I have not heard from XXXX ( XXXX, XXXX  or bbw law group ) accept to continue to state that i owe the same balance and if i don't pay they are moving to vacate my stay in my bankruptcy in and effort to forclose once again. The last motion was submitted XX/XX/year>. See screen of bankruptcy filing and last filing date.
Product: Checking or savings account

I wrote a check to a company that provided us a service. This check was intercepted at some point in the USPS mail system and fraudulently endorsed and cash at a XXXX XXXXXXXX in XXXX XXXX. The person who endorsed the check simply wrote " XXXX '' ( For Deposit Only ) and deposited it into their own account. The intended recipient never received the check and confirmed that they did not cash this check. Multiple attempts, including written and signed affidavits, to contact Chase bank on this matter have gone unresolved, and attempts to contact the XXXX XXXX  in XXXX XXXX where the fraud occurred have gone unresolved as well. I discovered that the check was fraudulently cashed on or around XX/XX/2022.
Product: Credit card or prepaid card

On XX/XX/XXXX, I opened two credit card with American Express . 
1. Blue Cash Everyday card 2.Gold Delta SkyMiles card These two cards had opening bonus so I applied these. 
1. Blue Cash Everyday card Apply at American Express web site. Opening offer is {$150.00} ( or {$200.00} ) cash back if I spend {$1000.00} in 3 month. 
2. Gold Delta SkyMiles card Referred from my friend. Opening offer is XXXX Miles if I spend {$2000.00} in 3 month. 

I spend eligible amount in this month but had not received any bonus ( both card ). 
So, I inquired by chat on XX/XX/XXXX, then American Express said I spent eligible amount but offer had declined so I could not receive any bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Report # XXXX Date XX/XX/18 1 of 20 XXXX XXXX has incorrect information as showing when XXXX XXXX XXXX did not report this and Experian has information missing from the original year from the start on this account. 
Experian does not provide the history of to when the account started and years skip on this account. 
Experian has ND for ( No Data ) if Experian was gathering information why is so much missing???? 

XXXX XXXX XXXX never reported this account so how is it Experian has information when they by letter never reported this account and why is it on my credit file and showing the way it is by Experian. 

attach letter showing there was or no Delinquency on this account
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the nature of inaccurate credit reporting and the mistreatment of credit reporting rules and compliance, I, XXXX, XXXX, the authorized representative for XXXX XXXX, have been subjected to unfair treatment. These are numerous legal infractions as well as defamations of my reputation and character. RATIONALE : I NEVER GAVE ANY PERMISSIBLE OR AUTHORIZED USE OF MY PERSONAL INFORMATION. 
I do not owe any debt or any alleged debt. 
I REFUSE TO BE AN IMPLIED SURETY/DEBTOR. 
These are few of many violations done on my good name ; which breaks the law. 
These listed Violations are based on breach of fiduciary duties TILA, FCRA, GLBA, CFPA, THE Sherman Antitrust Act, FTC Act and RICO Act Your company falsely reported information that resulted in defamation of my character. Further, you created a deceptive form that made the creditors and employers believe that I was in debt, though you could not prove its validity. If the debts were valid you created a false impression that I was not able to pay the alleged debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit bureau lists a Bankruptcy on my credit report. Experian stated on my credit report that XXXX ( third party ) has verified the bankruptcy as being factual. I contacted The United States Bankruptcy Court Northern District of Illinois regarding the matter of the court verifying the information. I received a letter from the court that states : The bankruptcy court does NOT perform any activities with the credit bureaus. I must contact the individual credit bureaus for their procedure for removing the bankruptcy filing from their credit bureau. Experian or XXXX will not remove the account because the bankruptcy court hasnt verified the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been long over time due with this on going investigation and your company havent fixed the inaccurate erroneous items that was placed on my report. As of today I was laid off of my job due to a credit decision after a meeting of a yearly evaluation. My boss gave me more than 6 months to fix this situation but in your end you didnt fix the errors so therefore I am not employed at this current moment. My job consists of good history and a probation period which we as employees must meet the criteria and agenda for this job. I decided to file a lawsuit and take legal actions for the damage you have cost me. I have file an FTC complaint and the number is XXXX. We are schedule for litigation and a hearing in XXXX. I have filed a lawsuit against your company for the apparent reasons of violating my rights as a consumer which your company allowed identity thefts to misuse my credit file. I asked more than 6 months ago to prove to me and show me that the inaccurate erroneous accounts and inquiries belong to me and I havent heard from you since. I have filed several internal disputes and at this point Id rather take it to court. This assures me that this situation will be seen by a judge in a court of law where I will receive justice. You violating the FCRA sections 609 represents how poor of a company you guys are and how you maintain false information and placed erroneous information onto consumers credit profile which by the law is a major problem. I have all rights as a consumer to dispute and I am aware of every law and sections that youve violated in the FCRA. The account that is reporting as erroneous information is as followed : A - 1. XXXX XXXX XXXX XXXX B  -Inquiries : 1. XXXX XXXX 2. XXXX/XXXX 3. XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My account has been on autopay and now Im 2 months past due and I have a late payment on my credit report. I was on autopay so I shouldnt be late. I didnt recieve a letter or call. As soon as I was made aware I paid the {$650.00} amount due.
Product: Credit reporting or other personal consumer reports

My issue is with Experian, XXXX and XXXX consistently reporting false and misleading information on my credit files, with each showing different accounts with numerous errors. 

Simply stated, EACH of these 3 are reporting accounts showing charge offs, accounts showing as late and account balances owed, which can not be accurate. Each of these reporting agencies keeps verifying false information and continues to report things that logically can not be accurate. 

First Experian, is reporting that a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX  accounts are all charged off, late and I have a balance owed to the original creditors. An account can not be both charged off and have a balance owed legally and they know it. This information is misleading, false and needs to be corrected both in the time line posted month by month, as well as the overall data, which shows multiple mistakes, as none of the above accounts are even currently owned by these banks. Each shows a charge of month after month with a balance owed and a late amount as well as a credit line and a balance XXXX, XXXX is doing the exact same thing with accounts for XXXX, XXXX, XXXX and XXXX. Each shows a charge of month after month with a balance owed and a late amount as well as a credit line and a balance. This logically can not be accurate reporting, as an account can not have a credit line, a balance and a late amount, if it was in fact charged off and is owned by some other company, as they are claiming. 

XXXX is also doing the same thing, with XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX  and XXXX  accounts are all charged off, late and I have a balance owed to the original creditors, which can not legally or logically be accurate. 

I am unsure how these credit reporting agencies even go through the correct process, knowing this information not only can not be accurate, but is clearly false. You do not need an accounting degree to understand debt ownership claims and these companies know these credit card companies report selling off debt ever day. How are they allowed to report such misleading information?
Product: Credit card or prepaid card

I have an American Express Serve Card. Theres an unauthorized charge on account from XXXX for {$68.00} and {$1.00}. 
I have never heard of them and I attempted to locate them without success on the Internet. The Company was notified of the dispute and given a fraud affidavit on XX/XX/2019 and refuses to give me a provisional credit pending their investigation.
Product: Credit reporting or other personal consumer reports

A rental agency requested my credit score through a third party company by the name of Screening Reports. Screening Reports requested my score from Experian. Experian provided them with an incorrect score that does not reflect my accurate score. They then sent that information over to the rental company which caused my application to wrongfully be denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts immediately. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I have a judgment on my credit that is not mine. I disputed it with Equifax over 120 days ago. the have not responded. 
I sent them a failure to respond letter and they just send the results of inquiries that never been on my credit nor disputed by me I checked the court records and they do n't have the account for me
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX. XXXX Customer Data Breach ( Case XXXX ) Violations of : 1. Reinsertion of Deleted Item : 15 USC 1681i ( 5 ) ( b ) ( XXXX XXXX XXXX  2. Late Payments : 15 USC 1681 a ( 2Xi ) ; 15 USC 1681 3. Permissible Purpose : 15 USC 1681b 4. Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 5. Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) 6. Verification : 15 USC 1681i ( 7 ) I, XXXX XXXX, declare under penalty of perjury that the following statements are true relating specific debts reflecting on my credit profile. The circumstances surrounding these alleged debts raise tremendous ethical and legal issues, involving fraud and coercive practices. These practices have led to an unjust financial obligation on my part, as my SSN has been used as a personal and financial gain illegally. The accounts are : XXXX XXXX XXXX XXXX XXXX XXXX : Date Fraud Begun : XX/XX/year> I attest that the alleged debts associated with these accounts do not reflect my financial responsibilities and are in result of practices that are deemed fraudulent. I am disputing these accounts and request that by resolving this dispute that they are blocked and deleted from my credit profile. By doing so is crucial to rectifying the inaccuracies and relieving the undue burden they have imposed on my financial standing. I am aware of my rights under federal and Mississippi state laws regarding credit reporting and identity theft. I declare under penalty of perjury that the information provided in this affidavit and accompanying documentation is accurate and truthful.
Product: Credit card or prepaid card

They're was a negative balance from 2021 XXXX XXXX  card Due to false charges that could not be resolved I overdrafted XXXX to recover the over XXXX charges I got a control NetSpend card I was assured that this card would not be affected by the XXXX  XXXX card XXXX was transferred to the card by social security I withdrew XXXX from card and made a XXXX purchase at XXXX and XXXX purchase from XXXX XXXX attempted to reverse the charge Which would of left a balance of XXXX Four days of them telling me they would contact all access And have them remove my Previous debt I attempted to contact XXXX  XXXX  no number worked not on card not online They wanted me to give them a additional XXXX on top of the money they had taken They also told me that they would send me a check in the mail but do not offer to send it with a tracking number n I do not believe that they would send it Today I asked for the XXXX  XXXX number to get them to remove the block they informed me they were the people I would talk to concerning the block I'm facing XXXX  XX/XX/XXXX and stand to loosing everything I own due to they're actions I can not wait for ten working days to receive my check I have attempted to speak to social security and control supervisor I have all this on audio
Product: Checking or savings account

On XX/XX/2018 I traveled to XXXX. I remained in XXXX until XX/XX/2018. My absence from the US is confirmed by flight reservations, boarding pass, entry/exit stamps into XXXX and an internet voucher for my return flight ( see Attachments A and B ). 
On XX/XX/XXXX, my personal savings account and business savings accounts were hacked into by XXXX XXXX, who proceeded to change the notification email and phone contact number. XXXX XXXX elected a specific time to hack into the bank account, knowing that I would be traveling across XXXX by train and that I would not have internet access. XXXX XXXX was specifically NOT authorized to access the bank accounts from which she illegally removed a total of {$23000.00} by transferring these sums into an a checking account that she could access ( see Attachment C ). 
On XX/XX/XXXX, when I became aware of the fraud I called Wells Fargo from XXXX and was told that a cashiers check had been used to illegally withdraw the funds and that they would not be able to stop cashing of the check. 
On my return to the US on XX/XX/XXXX, I started a fraud complaint. On XX/XX/2018 Wells Fargo responded that the transactions were made by me or by someone who had my authorization. ( See Attachment D ). I requested the evidence used to come to this conclusion. On XX/XX/2018 I received the response, which was a print out of the log ins to the account ( see Attachment E ). 
This print out has a number of red flags. There are account accesses from XXXX, TX, XXXX, GA, and from XXXX XXXX, CA that are clearly abnormal, given that I was out of the country during that time period. The strange Phone Transfer access on XXXX XX/XX/2018 shows data formatted differently and looks like it was hand-edited, calling that data and adjacent data provided into question. 
The account accesses on and after XXXX ( when the account credentials were changed ) show a consistency of access from only four Florida locations. This clearly supports the assertion that some of the data accesses from XXXX to at least XXXX are abnormal and consistent with unauthorized account access. 
The Wells Fargo decision is flawed. The withdrawal was done in Florida. I could not have made the withdrawal transaction as I was in XXXX. I did not authorize anyone to withdraw those sums from my bank account. 
Wells Fargo clearly made a series of egregious mistakes but refuses to address these problems. Can you help me pursue collection of the funds that were illegally removed from my account?
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an error that was placed on my credit file incorrectly. I provided the document and had they did the investigation correctly it would have shown removed from the third parties they obtain their info from and it wasn't not done.
Product: Checking or savings account

I received a letter on Friday, XX/XX/2021 that someone had filed for un-employment benefits in NC and they needed to verify my information, I did not file for un-employment so I called them and the credit bureaus, I also filed a police report. Today, Monday, XX/XX/2021 I received a checkbook and a debit card from TD Bank to my home with my name, address, the last XXXX digits of my social security matching but with a fake phone number. I called and alerted them that I had not opened the account but they did not want to give me any information on how they opened the account to begin with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have CONTACTED THE CREDIT BUREAU on multiple occasions regarding discrepancies on my account and they failed to comply with my demands, I am contacting you CFPB because pursuant to 15 USC 1681n ( b ) ( 2 ) I am a consumer and natural person and XXXX, XXXX and Transunion owes me {$1000.00} per violation, for willful non compliance.
Product: Credit reporting or other personal consumer reports

To file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding Experian 's refusal to remove a charge off account based on the Fair Credit Reporting Act ( 15 USC 611 ), you can use the following template : Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ).

Account Information : Creditor Name : XXXX XXXX Account Number:XXXX Date of Charge Off : XX/XX/year> Amount : {$4300.00} I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.
Product: Debt collection

I am not liable for this debt with XXXXXXXX XXXX and I do not have a contract with CREDIT COLLECTION SERVICE plus they did not provide me with the original application like I asked. 

account number : XXXX amount disputed : {$810.00}
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc . ) due to inadequate customer service and unfair pratices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Credit reporting

There is an account no companies name listed # XXXX which I do not owe on any medical debt this is a mistake and needs to be removed
Product: Credit reporting or other personal consumer reports

There is a loan on my credit report that was financed with XXXX. The account is now charged off. I have been told by my CPA that should have received a XXXX. He also stated that if they can not provide the XXXX then it should be removed from my credit report. 

Thanks for any assistance you can provide.