23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This letter is to provide you with knowledge of intent to sue. 
The lawsuit will filed due to the utter lack of response from your company. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. I have contacted all of the false creditors listed on my credit file. I have challenged all of the false listings on my credit file. Nothing ever happens to fix the situation. 
Over 90 days ago I wrote each the creditors in question and demanded proof that I am their customer. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far none of them has been able to provide such proof to me. I have sent follow-up letters to each of them and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished. 
I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 
Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have & quot; verified & quot ; the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. 
Someone clearly used my information without my authorization. 
Now I am suing XXXX for being such a pain in the posterior to me. I have provided more than sufficient evidence to get these false accounts removed.

You may contact me before XXXX via letter at my address listed at the top of this letter. 
This matter can be settled simply by your agreement to remove the false information from my credit file. 
I require a response, on point, in writing, hand signed, and in a timely manner. If I get another pointless letter from you saying that it has already been & quot; verified & quot ; then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I can get against XXXX for violation of the Fair Credit Reporting Act and Defamation. 
The items to be removed from my credit report are list one an attach page. 
I look forward to your response. 

Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name XXXX Date open XXXX Account Number XXXX Reason for dispute__WITHOUT EFFECTIVE CONSENT Account Amount_ {$3800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX - ( Please see page 4 and 5 of the attached credit report. ) These accounts reflect a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. It is impossible to be late on accounts that have a {$0.00} balance and {$0.00} past due.
Product: Credit card

RE : Transaction Date XX/XX/2023 Merchant name : XXXX XXXX in the amount of {$410.00} Chase website does not allow me to open a dispute against aforementioned merchant in aforementioned amount, therefore I called Chase on XX/XX/2023 to open dispute against aforementioned merchant in the aforementioned amount. 

Chase Representative additionally refused to let me open a dispute on aforementioned transaction but promised an investigation will happen to ask merchant to refund my account. No more than XXXX minutes after this phone call I received an emailed letter from chase stating we resolved your dispute. However, nothing was resolved, nothing was refunded, What a farce and a Sham. Chase did nothing to resolve my dispute, chase refused to open a dispute and you refused to let me upload supporting documentation.
Product: Credit reporting or other personal consumer reports

I must convey my dissatisfaction with your decision to reject my identity theft claim, citing a mistake or material fact misrepresentation as the reason. This poses serious questions regarding your ability to define what constitutes a tangible fact. It is crucial to stress that your position does not give you the authority of a jury or judge, nor does it give you a natural right to render such decisions. 

In accordance with the guidelines outlined by the Federal Trade Commission ( FTC ), when an FTC identity theft report has been filed with a law enforcement agency ( which the FTC itself is ), the established protocol is to abide by the law and conduct a thorough investigation. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. I'm willing to give you one more chance to respond to my request regarding identity theft. I shall be forced to take legal action through the legal system if I don't accomplish this. If that is the case, you will be responsible for the damage you have caused to my credit, reputation, and emotional suffering during this entire experience. It is quite possible that the meaning of a material fact will be made evident in court, and you might have to pay me back for your carelessness.
Product: Vehicle loan or lease

I am a co-borrower on a loan with XXXX XXXX, which was purchased by Yamaha Motor Finance and my loan was transferred to the new company. The borrower is my ex-husband and he filed for bankruptcy in XX/XX/2020. At that time, I had a registered online account using my email address, from which I made monthly, automatic online payments. Without notification to me, Yamaha canceled these payments and my loan went into default. To date, Yamaha never notified me that they stopped the payments and then began reporting the payments as late to the credit bureaus, negatively impacting my credit. I contacted them to resolve this and after much trouble, they finally removed the reporting and allowed me to pay the amount due. 

Yamaha has disabled the payment function from my online account and will not enable it because they say that XXXX XXXX my ex-husband ) is the only one with access. No matter how many times I explain to them that he filed bankruptcy, they play XXXX and tell me that I have no legal rights because I am a co-borrower. It is clear that Yamaha does not understand the legal definition of co-borrower, nor the difference between a co-borrower and co-signer. I believe Yamaha is in violation of the Truth In Lending Act, among other federal regulations and want to take action against them. I previously filed a complaint with the CFPB and XXXX  and Yamaha dismisses the complaints by saying, " we'll send a letter to the borrower, '' but the letter says nothing and they only address it to XXXX. One of their representatives even advised me to violate federal law and open mail addressed to XXXX! They are a horrible company and are not treating me fairly as a borrower and now sole person responsible. 

I believe Yamaha is in violation of the Equal Credit Opportunity Act, the Fair Credit Reporting Act, the Fair Debt Collection Practices Act and the Electronic Fund Transfer Act all because I am an UNMARRIED FEMALE. Yamaha is discriminating against me by treating me, an unmarried female, differently than they treat the male borrower under the guise of claiming that it is because I am a co-borrower. Legally, there is no difference and we are both entitled to the same rights. The boat is titled XXXX OR XXXX XXXX, and therefore we have the same legal rights. 
PLEASE HELP ME.
Product: Credit card or prepaid card

My mom is XXXX and has late onset XXXX. I have a letter from her doctor that states that she is not to make any financial decisions. 
Because of this, I am her POA. Twice now, starting 2 months ago, XX/XX/XXXX, I sent the POA document to Bank of America. My attorney looked it over, and said it had the correct language of cease and desist as they shouldnt communicate with her and deal directly with me. The company has this letter, twice, and are ignoring it. 
I have talked with a representative at the local branch, and have only been told that my information has been received. 
They have ignored that I am POA, attempting several calls to her, and yesterday got my mom to pay XXXX dollars over the phone. She has no money, and now her checks for her basic needs will bounce.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX XXXX would like to file on behalf of myself and my past experience with Experian. This company is unprofessional and should not be allowed to take part in the determination on what career 's, housing, vehicle 's and loans i am able to receive. My informatn was involved in several major national data breaches ; i had alot of unauthorized charges, accounts opened and my identity sold on the dark web to the highest bidder. I asked for all fraudulent activity to be removed and blocked, Experian was letting these fraudulant accounts close as write-offs, or let the `merchants remove the fraudulent debt then place the debt back on to my profile the next day. Expirian violated all of the following consumer protection laws against myself that has caused major financial troubles in my life. These laws include the following : Failure to Forward Disputes in Violation of the FCRA, 15 U.S.C. 1681i ( a ) ( 2 ) ( A ) Failure to Conduct a Reasonable Reinvestigation and Failure to Provide Furnishers with All Relevant Information in Violation of the FCRA, 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), ( 2 ) Failure to Reinvestigate Disputes About Hard Inquiries in Violation of the FCRA, 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), ( 2 ) Unreasonable Over-Reliance on a Furnishers XXXX  Response in Violation of the FCRA, 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to Delete Inaccurate, Incomplete, or Unverified Information in Violation of the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Failure to Provide Notice of the Results of the Reinvestigation in Violation of the FCRA, 15 U.S.C. 1681i ( a ) ( 6 ) ( A ) Failure to Maintain Reasonable Procedures Designed to Prevent Reinsertion and Unlawful Reinsertion of Previously Deleted Information in Violation of the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), ( C ) Unfair Acts or Practices : Failing to Convey Consumers Disputes to Furnishers Fully and Accurately Unfair Acts or Practices : Failing to Prevent Improper Tradeline Reinsertions I beleive i should be rewarded for all of the financial damages caused by this grossly neglectful company. 

XXXX XXXX XXXX
Product: Debt collection

I was never contacted my the creditors or the collection agency about the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

My ex husband used my information to get his school loan before we divorced in XXXX, XXXX with company name 'XXXX '. 

He filled out electronic loan papers and used my identity. He put his 2nd email address and his cell phone with my information as cosigner. 

After 10 years these loans are showing up on my credit report and ruined my score because he is not on top of making payments. 

I talked to XXXX numerous times with police report for fraud too. 

1. Loan # XXXX Original loan amount {$13000.00} current amount over {$28000.00} Opened XX/XX/XXXX 2. Loan # XXXX Original loan amount {$10000.00} current amount over {$16000.00} Opend XXXX All I want XXXX takes my name off these loans. 

My sign was not notarized for these loan. All done under electronically.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX reported a 30 day late payment to the XXXX major credit bureaus XXXX XXXX and TransUnion for the month of XXXX of XXXX. Since XXXX of XXXX I was hospitalized due to a terrible car accident which my wallet was lost and stolen. Due to my wallet being stolen my social security number along with all my credit card were compromised and used. There were fraudulent transactions that were done on my XXXX rewards card from XX/XX/XXXX up until XX/XX/XXXX. I have recently been XXXX a couple weeks now and I have disputed all the fraud transactions. Due the fraud transactions I should not be held responsible for the 30 day late payment and XXXX should remove it because I did not once get a fraud alert that my discover card was being used without my knowledge. XXXXXXXX XXXX failed to report fraud transactions to me which resulted in the account to go 30 days past due and report to the bureaus. If this issue is not resolved and the 30 day late payment is not removed from my credit reports I will be filing a law suit against XXXX Bank in the small courts claim where I have all proof to show XXXXXXXX XXXX is breaking FCRA laws. I have been with XXXXXXXX XXXX since XXXX that is 12 years! and I have never had an issue such as this. Please resolve this problem in a timely manner. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX has violated my rights as a consumer. 

15 USC 1681 Section 602 States I have a right to privacy.

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

15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm complaining AGAIN that I was a victim of identity theft with this. In accordance with Fair Credit Reporting Act Section 605B ( a ), you must remove or block any items that were opened without my knowledge, permission, or authority within four business days of receiving the following : ( 1 ) appropriate identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement from the consumer stating that the information does not relate to any transactions by the consumer. 
XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/2022 ; XXXX XXXX XXXX Balance : {$4400.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$3.00} ; XXXX XXXX XXXX XXXXXX/XX/2022.
Product: Prepaid card

I received a {$100.00} American Express gift card for XXXX yesterday. I have tried using it on three different occasions so far. Each time I try to use it it gets declined. I went to the website on the back of the card to check the balance and to make sure the card was active. The website showed me that the card was active and that I had an available balance of {$99.00}. The missing {$.00} is from the merchants where I tried to use the card. Each time I try to use the card and it gets declined I am charged {$.00}. I also spoke with customer service from one of the merchants about the decline message and they just suggested that I try using the card somewhere else even though their websites specifically states that they accept American Express gift cards. When I called the phone number on the back of the card, it is just an automated message. The automation gives you different options to try to get your card to work such as making sure youre entering the correct security code as well as ensuring that the card has been activated. Ive tried all these things already and I still have the same issue. I dont understand why this card is so hard to use and I also can not speak to a person about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX account was transferred to XXXX XXXX XXXX XXXX XXXX XXXX card couldnt settle the account cause it was transferred to XXXX XXXX. XXXX XXXX  took the payment and settled on this account. Was being reported as paid charge off on XX/XX/18 now on XX/XX/18 saying charge off again. Please update as paid charge off settled in full XXXX bal. XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I've contacted XXXX MORTGAGE & they told me I've never missed a payment, yet Transunion refuses to remove me from being listed as 30 days late on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Transunion 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please correct this account : XXXX MORTGAGE XXXX
Product: Mortgage

I went through the loss mitigation process due to XXXX XXXX and XXXX. During this process, I did not miss ANY payments and as far I think the law says, when I'm going through loss mitigation process, my credit report can not be negatively impacted. As soon as I completed the paperwork for finalization of the loan modification, the mortgage servicing company switched to another company ( Lower ). Lower has me showing lates on the credit report AGAIN. I reached out to them to fix it a week or so ago and they did within just a few hours and I had perfect pay history again on XXXX XXXX I just now checked again and they have me 120 days late for the three months of the TRIAL PAYMENTS that I HAD to make in order to get my final loan modification. This has severely impacted my credit score and has led to me being denied a car loan so my family and I can have a safe vehicle. I want this fixed immediately PLEASE!!
Product: Debt collection

DNF Assoc is listed on my credit report as a collections account. I have been trying very hard to rebuild our credit, and this account is a problem. According to my credit report this was reported in XX/XX/2020, amid the pandemic. 
I was not given any notification of this debt, nor have I been contacted since this debt has been added to my credit report. How can you report a debt to the Credit Bureau, especially in a derogatory manner without giving any kind of notice to the creditor? I wasn't even given the chance to settle this account. 
I have contacted you several times, I was told my account is CEASE Pending. still no results or resolution. I am not even clear what account this is for. I expect this derogatory mark to be removed from my Credit Report immediately.
Product: Mortgage

Thursday XX/XX/XXXX Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX To all parties concerned : This letter serves as verified sound knowledge and grounds against Wells Fargo in compliance to the following facts hereby and herein described : A ) The banks constant intentional actions of violations demonstrated and tied with its unclean hands better known as an equitable defense, akin to fraud, to discourage, conducting unlawful activities for reason of defrauding the right of others. The Banks intent to defraud was shown by its reckless disregard for its actions by repeatedly unjustly benefiting at the expense of aborted justice. 

Ample support and records of evidence support the fact that Wells Fargo had no right and was never entitled to a foreclosure judgment or lien in equity against my person, my property since and including the occurrences of legal battles between them and myself originating since XXXX. 

Everything from illegal Robo signing on multiple documents to Pick- A- Payment loans originated by Worlds Savings and continued with Wells Fargo who reached a settlement in XXXX requiring them to grant loan modifications to home owners during that process of time which should have qualified me to received a principal reduction and loan modification neither one was offered or received by my even thou I was entitled to it instead Wells Fargo kept on increasing and elevating my loan with higher interest rates, hidden fees and inflated surcharges each month causing wrongful illegal activities conducted by Wells Fargo XXXX 

( b ) Any person who violates subsection ( 2 ), and the loan value stated on documents used in the mortgage lending process exceeds {$100000.00}, commits a felony of the second degree, punishable as provided in s. 775.082, s. 775.083, or s. 775.084 and Florida Statues on FORGERY AND COUNTERFEITING 831.06 Fictitious signature of officer of corporation.If a fictitious or pretended signature, purporting to be the signature of an officer or agent of a corporation, is fraudulently affixed to any instrument or  writing purporting to be a note, draft or evidence of debt issued by such corporation, with intent to pass the same as true, it shall be deemed a forgery, though no such person may ever have been an officer or agent of such corporation, or ever have existed I request that my documented complaint be submitted to all Government agencys that oversee this kind of injustice and that can intervene by preventing these repetitive acts conducted by this banking institution. 

With justice and truth XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As a federally protected consumer I am requesting the CFPB review this dispute regarding the credit reporting agencies Transunion, XXXX, XXXX and the company XXXX XXXX XXXX. There is a need to ensure that the consumer reporting agencies exercise their grave responsibilities with fairness impartiality and respect for the consumer rights to privacy. 15 U.S Code 1681b permissible purpose of consumer reports. Subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 15 US code 1681c requirements relating to information contained in the consumer report. Any other adverse item of information other then records of convictions of crimes which antedates the report by more the 7 years should not be on the consumer credit report. By violating section 1681 b permissible purpose and 1681 c information contained in consumer report, credit reporting agencies seems to be in direct violation of compliance procedures under title 15 U.S Code 1681 ( e ) Compliance procedures.

For willful noncompliance results are civil liability {$1000.00} per violation according to 15 U.S Code 1681 ( n ) and 15 U.S Code 1681 ( o ). This account is adverse and causing extreme harm.

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. The Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) will be notified regarding this dispute and investigation.