23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Over 2 months ago I demanded validation of the debt that Credit Collection Services is attempting to collect. You have failed to respond to any of my requests for additional information to determine if this account is legitimate. As a previous victim of identity theft I am concerned about the origin of the account. Despite failing to provide the information to validate the debt you are still reporting the negative account information on my credit report. By failing to provide the information requested to validate the debt AND still reporting the information to the credit bureaus, you are in direct violation of the FCRA and the FDCPA.
Product: Mortgage

We have a loan with BPPR ( Banco Popular de Puerto Rico ) loan number XXXX and we used to have the 2 lots at each side of our residence, we went under the chapter XXXX protection under the bankruptcy court and let them go because it cost over {$1.00} M to cure the enormous soil problem and the only way to sell these lots was by committing fraud, we gave evidence of these conditions to BPPR by Soil studies and cost to cure by certified engineers, the 2 lots are unbuildable if piles around 60 feet depth are not done because it has 50 feet depth of unstable soil, BPPR ignores the facts and are offering to potential buyers the lots without the proper disclosure and selling the idea that can built theirs dream homes, already they sold one and the new owner want to built without the curing and putting on risk my home, back yard and adjacent neighbors all these was confirmed by our soil and structural engineers. 
We did last month another soil study and comparative topography of the 3 lots and the results are dramatic they have sunk between 7-15 inches, the slope has inverted, soil slides, new puddles all over, back fences have failed many times and this means that the global stability is very affected, how could you help us against this institution, since this neighborhood was built we know about 3 houses, 1 swimming pool, retain walls and slopes have collapse, Because malpractice and wrong process of soil stabilization of the slopes, how you can help us? or what agencies you can refer that can assist us to confront this malicious institution?. We cant even sell our house because fraud is not our way of dong business.
Product: Checking or savings account

This account was closed out, but money was coming out my account without knowledge and this was back in XXXX XXXX
Product: Checking or savings account

On XX/XX/2018 I opened an account online with State Farm Bank. When opening the account I funded it with a deposit of {$500.00}.

On XX/XX/2018 I received an email from State Farm Bank that I needed to provide documents ( driver 's license and social security card ) in order to verify my identity. I provided these documents the same day via fax.

On XX/XX/2018 I received my debit card in the mail and was unable to use it. I contacted State Farm via phone and their online chat. I was informed that the account was not fully opened since they had not reviewed my paperwork. I was unable to access my funds. They said the matter would be handled by the end of the day. It was not. 

On XX/XX/2018 I contacted them again. After speaking via chat to a supervisor the block on my debit card was removed. 

However on XX/XX/2018 the block was put back on since State Farm claims the documents I sent them are not satisfactory. Once again I am  unable to access the funds in my account.
Product: Checking or savings account

I have tried contacting the bank on several occasions, only to reach a voicemail. I leave messages for someone to contact me, but never hear back. This bank needs to return the fees they have taken. There are senior citizens and people living paycheck to paycheck & they continue to rob people out of outrageous fees. They owe me several {$35.00} fees and several fees from not being able to use their atm. If someone has an emergency, they are refusing to allow you to access money. They have an excuse that it's @ the banks " discretion " and they can't do anything about it. I'm tired, as I'm sure others are of hearing excuse after excuse.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the victim of identity theft. I recently learned that XXXX XXXX is reporting a bankruptcy filed in 2016 that I did not file. I have an FTC Identity Theft Report and a Court Order confirming I am the victim of identity theft. I did not file this bankruptcy and the bankruptcy is over 7 years old from the filing date. It is not mine. I have submitted my current identifying documents to prove my current identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  on my credit report ( XXXX, transunion, XXXX ) that open on XX/XX/XXXX, it was a result of an identity thief, someone use my infos to open these accounts and I requested that they blocked these infos immediately and didnt get any results for the last 2 years after I sent ftc report 3 times also theres an address that end with the zip code XXXX that its not mine on my XXXX I want to be remove immediately XXXX XXXX XXXX that open on XX/XX/XXXX without my permission that must be remove off transunion, XXXX and XXXX. 

XXXX XXXX that open on XX/XX/XXXX, they claimed I had 6 late payments and thats not accurate, I want the late payment remove from XXXX, Transunion and XXXX XXXX XXXX XXXX open on XX/XX/XXXX, Transunion and XXXX removed but XXXX still didnt remove it
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5000.00}, {$32000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

-- CLOSED ACCOUNT -- 2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$32000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 


This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account futher violating FDCPA 809b per the FTC opinion
Product: Credit reporting or other personal consumer reports

I was in a XXXX XXXX XXXX  and there have been major inaccurate calculations that Im current in litigation with in regards to a pending foreclosure. The issue at hand is per my XXXX XXXX XXXX XXXX XXXX XXXX  it explicitly prohibits Fay servicing from reporting on my credit report. According to my credit report Fay is Claiming I haven't made a payment since XX/XX/XXXX ( see attached ) However they failed to acknowledge they sent my XXXX payment of XXXX ( see attached ) Furthermore on the credit report I haven't payed in over 120 days, Thats inaccurate. 

Based on my Foreclosure Complaint I have been in default since XXXX ( see attached ) Fay has been my Servicer Post Bankruptcy for 6 years. They have been completely non existent on my credit report until XX/XX/XXXX. According to Fay Servicing I been in defualt, but there nothing on my credit report previously reflecting that?

This needs to be removed immediately because its illegal violation of my XXXX XXXX order and it is completely inaccurate. Also, Please forward me the EXACT MONTHS I became deliquent. I have proof of every payment for the exception for when it was refused
Product: Debt collection

On XX/XX/2017 I checked my credit and noticed that Credence was listed on my report. On XX/XX/2017 I received a settlement offer letter. I never received a letter with notification of this debt or my right to dispute. Once I obtained this letter I did go ahead and send out a validation of debt letter to the company. Thus far I have not heard anything back.
Product: Credit reporting or other personal consumer reports

I think this account is having problems, could you please investigate it?

I disagree, I looked at my credit report again and according to him. Act publix law 91 -506 title VI section 611 it is clear that it is not correctly reported and I want to demand that research method that they did and please if you can send me and demonstrate how you did the research method I have every right to have this account investigated, which is not correct. You investigated it and you didn't give me any reason and I asked you under Act Publix Law 91-506 title VI section 611 that protects me as a consumer, and you told me again that it was verified correctly.. please eliminate this because it is hurting my credit and This is a violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

TO GET TO THE POINT, THIS COMPANY RUINED MY CREDIT! I have first bought a XXXX XXXXXXXX XXXX  XXXX XXXX XXXX from this company. XX/XX/XXXX, with a down payment of {$8500.00} the full amount was {$10000.00}. I finaced the remaining {$1900.00} with 3 monthly payments of {$640.00} beginning in the month of XX/XX/XXXX and ending on the month of XX/XX/XXXX. I made every payment on time and you can verify that through this company. This company decided to report what I financed XXXX months ago in the month of XXXX. Everything they reported was highly incorrect. I'm very unpleased with what they reported. I also spoke to the agent she told me " one of her workers was in a rush I'm sorry for the mistake '' that's very unprofessional also, the title I have in hand proves that the release of lien or security interest is XXXX, its also signed by there agent. Which proves that my last payment was received in XXXX. This company decided report that the account was closed on XX/XX/XXXX, with 67 % missed payments. Also they stated that I first made my payments in XX/XX/XXXX instead of XX/XX/XXXX. I'm highly upset with this company and want to take legal action against them. Also when I call this company phone number they are not cooperative. They are treating me as if they don't care about my credit. They keep telling me we are waiting on Equifax to get back to us. Instead of getting in contact with them. This company ruined me in the long run and this is how they go about turning people credit. They delay the whole process. Also, I can show everything that proves this company is highly unprofessional. Thanks for giving me the time to let you know my problem.
Product: Debt collection

I received a call from this company they did not have my correct address but said I owed XXXX for XXXX. I asked them XXXX XXXX for the address so I could send a debt verification letter via certified mail. She said the only address they had was a XXXX XXXX I told her I could not send it certified to a XXXX XXXX she then transferred me to XXXX XXXX a supervisor. At this point I felt this may be a fraud so I decided to try and record the call so I told XXXX XXXX that I was going to record the call to which he said if I did that he could no longer speak to me because they record the call for quality control I said well I am recording the call to make sure this was not fraud since I received nothing from them in the mail they did not have my correct address and for some reason could not give me a physical address to send a letter to. I them formally requested that they no longer contact me at work or on my cell and that all communication needed to be done via mail to which they said they will stop calling my work but would keep calling my cell until it was settled. I told them fine I would file a complaint and we would go from there.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate information deletion request DATE : XX/XX/XXXX From : XXXX XXXX XXXX XXXX Date of Birth XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX Dear credit reporting agency , I am susceptible to identity theft. I demand to delete any inaccurate or incorrect information such as misspellings of my name other than my legal name of XXXX XXXX as shown on my passport and following items listed below. 
-Remove all other addresses other than my current address of XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX -Remove all phone numbers other than XXXX -Remove all employers as XXXX currently unemployed -Add a fraud statement to the credit bureau as I do not recognize some of the accounts showing on my credit report. 
-Freeze my credit profile and send me a pin for future use to unfreeze my credit profile. 
These inaccurate details have adversely affected my creditworthiness and hampered my chances of acquiring new credit. I will pursue a CFPB investigation if any dispute arises. 
Under the provisions of the Fair Credit Reporting Act ( FCRA ), I demand that the above items in my credit report be removed. 
Under the FCRA, You must notify me of the changes and forward me the updated copy of my credit report to the addresses, phone numbers, correct legal name, employer data, and possible identity theft referenced above. I have included a bank statement, a copy of my passport, and my social security card for validation. 


CCPA California Consumer Privacy Act Request I would like to invoke rights under the CCPA and ask what personal information is being collected about me and request a copy of the information you have collected about me, and request a deletion of all non-essential information about me as a California Resident which updated my rights on XX/XX/XXXX. Please cease sharing my information effective immediately. I also revoke all terms of use for all websites use, complicated end-user agreements, or website cookies which are designed to remove federal and state protection for me as a consumer effective immediately. 
Please process this request within 30 days in writing. 
Sincerely, XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS A COMPLAINT AGAINST XXXX/TD, BECAUSE IT IS REPORTING AN INQUIRY IN THE XXXX AGENCY WITH DATE OF XX/XX/2018. THAT I DO NOT AUTHORIZE, REQUESTED WITHOUT MY PERMIT AND IN A FRAUDULENT FORM, BECAUSE I NEVER AUTHORIZE IT. I AM A VICTIM OF THEFT OF UDENTITY AND I HAVE NOT BEEN ABLE TO OBTAIN MY DATA TO MAKE A CONSULTATION THAT I HAVE NOT AUTHORIZED.
Product: Debt collection

I HAVE NO KNOWLEDGE OF THIS DEBT, RECENTLY I STARTED LOOKING INTO MY BILLS, AND DEBTS, I CAME ACROSS A JUDGEMENT PLACED ON MY CREDIT REPORT FROM A COMPANY CALLED XXXX XXXX. THIS WAS ODD TO ME AS I HAVE NEVER LOVED AT SAID ADDRESS. I AM AN XXXX XXXX XXXX VETERAN XXXX XXXX THE JUDGEMENT IS FOR OVER 6000.00. I AM ASKING THEM TO VALIDATE THIS DEBT, SHOW PROOF I WAS NOTIFIED OF THIS. SHOW I WAS PROPERLY SERVED. SHOW AND VALIDATE MY SIGNATURE. I AM ASKING THEM BECAUSE THIS IS CAUSING ME TO NOT BE ABLE TO FIND AQUEDATE HOUSING I CAN NOT RENT A HOME, I CAN NOT APPLY FOR A HOMES, AS THIS IS SHOWING AS A DEBT A JUDGEMENT A EVICTION, ON LEXUS NEXIS REPORT. I CAN NOT AFFORD TO PAY FOR THIS DEBT THAT IS NOT MINE. THIS IS UNFAIR A UNJUST. 
consumer number # XXXX
Product: Mortgage

Loancare LLC raised my house payment first by XXXX a month then with no notice raised it XXXX a month. Sent me a letter saying that my escrow was short XXXX but they wanted just over XXXX due to their analysis saying I would be short again. When I called to pay they not only said that my payment would not be adjust for three more months but then it would not even return to my normal house payment. Which is not what the letter I have states. Where has my extra XXXX gone if they still want XXXX more and how are they not forced to honor my signed contract with them or the letter they send sent me?? Please help me get this fixed and return my payment to my amount per my contract.
Product: Credit card

Timely payments on this account have always been my commitment, avoiding any instances of overdue payments. I'm confused about the origin of the late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, corrections should be addressed.
Product: Debt collection

I have two medical bills on my credit report from Wakefield and Associates for {$2900.00} and {$600.00}. These bills were supposed to be covered by my health insurance, XXXX. I have talked with XXXX on many occasions and they informed me that it was an error in their end and that they were in fact supposed to cover these costs. I have talked with XXXX three times over the last few weeks only to be told that they are resubmitting the claim each time. I am attempting to refinance my house and this is the only reason I can not. I have also talked to Wakefield and Associates who has the debt now. I also had XXXX call Wakefield and Associates to inform them that XXXX will be paying the amounts. Wakefield and Associates tell me they can not remove it from my credit until XXXX pays it. 

As mentioned above, I have called XXXX multiple times. The first time I was told it was going to be expedited and would be handled within 24-48 hours. I called back a few days later for a status update only to be told it would be 7-10 days. I then called back a week later and was told the didnt get submitted, but they would submit them again, which pushed it out another 7-10 days. I then called this evening and was told that they hadnt been processed yet but he could resubmit them again to see if it would speed it up. When I told him this wasnt acceptable because I had been told this many times already, he said I have been beat up all day and hung up on me. 

I am requesting these collections be removed from my credit report as soon as possible as they were not my responsibility, XXXX has admitted fault, and stated they will cover them. I am unable to refinance my home because of these two collections. 

Wakefield and Associates Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America allowed my ex husband to do a loan modification with only his signature on a home equity line that was court ordered to be refinanced and taken out of my name AFTER we were divorced 6 years. My ex husband then defaulted on that loan, it was sent to a collection company and both the late payments and the line of credit from the collection account are both appearing on my credit. I have all necessary court documents to provide as well as a copy of the fraudulent modification loan.
Product: Credit card or prepaid card

I applied for the XXXX rewards credit card through an email I received, it said I will earn XXXX points after spending {$3000.00}. I did this and was only awarded XXXX points. I called customer care and they said many times I will receive on my next statement. Four statements have since passed and I haven't received my points after countless managers told me I would receive it soon. This is unfair and I would like the missing XXXX points to be awarded please.
Product: Vehicle loan or lease

I sent certified mail to New City on XXXX which was tracked and delivered on XXXX containing the letter of notice to Cancel my XXXX  contracts remaining 10 months and 2 weeks left for a pro rated refund. I also provided the Affidavit of total loss from my insurance company as required by the contract. No response at all from New city funding. I also sent corresponding emails.. Two of them. To receive not a response, and when I called on the phone I was put on hold and hung up on. Now I understand why they have such terrible reviews. I just want my money back I'm owed. Just like yall wanted your money for the car which yall received! Why am I waiting on my money and can't even get acknowledged it's owed. I contacted XXXX had the contact canceled myself. I just want confirmation about everything and my debit payments and the debit paid in full reported fairly as required by law. And my XXXX  refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau reinsert a deleted item from your credit report without notifying you in writing within 5 business days.
Product: Debt collection

i have contacted all 3 credit bureaus to challenge the 100 % accurate and factual reporting of an account showing up on my credit report " THE BUREAUS ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) " ...... all 6 times that ive challenged it has come back verified as accurate ... how is this possible? how are they verifying this? they are not conducting proper investigations is the answer... i have attached a copy of the report with all of the inconsistencies circled ... XXXX.this account has been re aged..this is a major violation
Product: Credit reporting, credit repair services, or other personal consumer reports

I have checked my credit through XXXX XXXX to see why I been denied on purchasing a tv through credit and saw that I have two credit report through synchrony bank which o do n't recognize or know about and I been to trying to dispute it from my record.