23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had an debt opened on my credit XX/XX/XXXX for {$4100.00} the original creditors name is XXXX XXXX XXXX but it was sold to NATIONAL CREDITORS SYSTEMS. I have disputed this debt XX/XX/XXXX stating, I am requesting the original purchase agreement that shows you are the legal owner of this alleged debt, please include all terms and conditions in this purchase agreement and the completion date of this dispute was to be XX/XX/XXXX I've had no response on it or completion and it is still impacting my credit, I would like this removed from my credit as it was filed fraudulently because I don't owe anything to this company and have not received any documents or notices of a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

Ive mad several attempts to dispute a error on my credit report. XXXX fail to take the proper steps once I fully communicate the error that was made on my credit report. Im being held responsible for a debt that is not my original creditor. In section 611 states I have the right to report misinformation/ error on my credit report. Information that was reported to my credit report is not truthful because I did not have service or a contract nor was I legally bind to pay Southwest Credit. Southwest credit should be deleted from my credit report because this company is not my original creditor.
Product: Credit card

i was out in XXXX my card was used fraud, the cc company rebilled everything and said my claim was denied. There was merchandise that was delivered to largo fl i never lived there and its proof these are fraud the investigator failed to investigaor and violated my rights under the FCBA
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT HAS BECOME SO OVERWHELMING TO ME BECAUSE OF THE FACT THAT I KNOW FOR SURE NONE OF THE ACCOUNTS RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THESE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Product: Credit reporting or other personal consumer reports

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

In XX/XX/2019 we paid {$8000.00} in order to put our equity >20 %. We wrote a detailed letter to the Caliber Escrow Dept. seeking elimination of PMI ( complying with their required BPO house value estimate, at a {$100.00} cost to us ) and also requesting elimination of our escrow ( we had done this with our previous house with XXXX XXXX because of similar problems ). We never received direct answers to these inquiries in our letter. We have repeatedly been given the run around, or canned answers that don't answer our questions. We are current on the loan and have never been even a single day late with our payment. 

Tired of the escrow abuse. This happened with our last house ( XXXX XXXX ) and is happening again with Caliber Home Loans. Currently, they are in receipt of {$2000.00} they initially paid to XXXX for home insurance ( they paid them but XXXX returned it because we paid it along with our auto insurance ). We believed we would be able to eliminate the escrow and pay taxes and insurance ourself. Also the PMI should be eliminated based on our paying {$100.00} for a BPO estimate. This of course ties into the escrow. If we pay insurance -- and we didn't even request reimbursement from the escrow for the {$450.00} flood insurance after Harvey we already paid for -- then without PMI too, the escrow amount should be around {$700.00} per month not close to {$1000.00} as it is now ( taxes of about {$8300.00} ). What is Caliber doing? Pooling everyone 's escrow to their benefit. There is no reason the {$11000.00} should sit in an escrow account without earning interest, especially when their calculation of the escrow is wrong.

Caliber from day one has gotten their end of the bargain -- timely mortgage payments of principal, interest and escrow. Also after Harvey we have maintained both homeowner 's and flood insurance. Now, we simply want the escrow to reflect accurately the account or, preferably, be eliminated as we are able to easily pay the year end taxes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3200.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/2022.
Product: Mortgage

A debt collecting agency called saying we were about 2 month behind on our mortgage etc.. And I when to the bank working with our mortgage company. The banker called the mortgage company. They told it needed to be updated, we where told the price of the home insurance it was over {$6500.00} a year for 8 years and increasing. So this was making our mortgage go up often more. This made me panic again. We called another insurance company, they quoted a price that was more then 2 times less. Im going to call another insurance company to compare this quote also. We need our money back Im on XXXX check I can continue paying a mortgage and insurance like this please help. Thank you.
Product: Mortgage

When I applied for this loan I was told by my mortgage broker that once the loan hits 80 percent LTV that the PMI would automatically come off. I have been making 15 year loan payments and its a 30 year loan. There is a process to request to remove PMI. I called Flagstar to start this process. We are still about XXXX dollars short of the 80 percent mark. Two different people have explained to me that I can request the dollar amount that guarantees I will get the PMI for the loan removed. I requested that dollar amount. I know what the LTV ( at the time of purchase ) will be. I simply wanted to know that if I make that principle payment they will remove the PMI. I received a letter today stating that my LTV isnt at 80 percent with no principle payment amount to remove it. I was also informed in the letter that it now has to be 75 percent or less based on the current value. That is not what I have ever been informed. It also states that I have to pay for a property valuation at the cost of XXXX dollars. That has never been discussed. I simply want to know that once I make this principle payment ( I want a total ) that will get the loan to 80 percent that they will drop the insurance requirement. It does not matter what this house is worth currently I was told I only had to get my loan to 80 percent LTV. I want to know they will remove that once I make the payment they tell me. This is fraudulent behavior and a way to get insurance out of people that are not at risk of default. Our old servicer did not require this and when Flagstar took over they are required to follow the original servicers policy.
Product: Debt collection

This company is called Portfolio Recovery and they keeps on calling me, I have never done business with this company, I have talked to them many times and they keep on asking for other people names and I tell them that this is not me, but they keep on call, they will call from other phone numbers as I am reporting and placing the complaints and the company names is the same as Portfolio Recovery, this company has been reported as scammers, please have them stop calling me, they will not respect my wishes and the Federal No Call List. 

Thank you for all your help and support with the issue and matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXXXXXX A. States I have the right to privacy. 

XXXX XXXX XXXX XXXX XXXXXXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXXXXXX. ( a ) ( XXXX ) XXXX 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 XXXX XXXX 

XXXX XXXX. XXXX ( 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX accounts listed below has violated my rights. 

15 U.S.C 1681 section 602A States l 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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

Account name : XXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX XXXXXXXX, Account name XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXXXXXX XXXX XXXXXXXX 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander account XXXX ... last four of social security XXXX, D.O.B. XX/XX/XXXX - XXXX XXXX. <P/>On XX/XX/XXXX Santander reported a balance of {$12000.00} to XXXX. To XXXX they reported a balance of {$15000.00} for the month of XX/XX/XXXX. On XX/XX/XXXX I recieved a settlement offer that states the balance as {$16000.00}. To XXXX they reported the account as opened with a balance. To XXXX they reported the account as closed with a balance. To XXXX it was reported closed with {$0.00} balance/paid in full. <P/>Also, the payment history was different on all three credit reports and XXXX and XXXX  allowed, and continue to allow Santander USA to make corrections, that still end up being wrong information, and making my credit score go down every time they change the information/ update it as opposed to deleting the account per fair credit reporting laws. <P/>My credit score went down again in XX/XX/XXXX because XXXX and XXXX continue to allow Santander, USA to update, as opposed to DELETE as I have requested. This information on my credit file should have been deleted months ago due to fair credit reporting laws regarding reporting erroneous/inaccurate information regarding balance, account status, and incomplete/inaccurate payment history that has been reporting for almost a year now on my report. No matter what proof I send to the credit reporting agencies regarding Santander 's erroneous information, the three credit reporting agencies refuse to delete the account and that is not right or fair. <P/>I have disputed, with proof of the mis-information Santander has been reporting to all three credit bureaus. XXXX now has it as a closed, but per fair reporting it should be deleted from all three credit reporting bureaus. <P/>Santander, when you provide information to a CRA, you have obligations under the FCRA to ensure the accuracy of the information you furnish. As a rule, its illegal to report information that you know or believe is inaccurate. You have " reasonable cause to believe '' that information is inaccurate if you have knowledge, other than allegations from the consumer, that would lead a reasonable person to doubt the accuracy of the information. FCRA Section 623 ( a ) ( 1 ) ( A ) you can not, under any circumstances, report information the consumer has told you is inaccurate if it is, in fact, inaccurate. FCRA Section 623 ( a ) ( 1 ) ( C ).
Product: Checking or savings account

Well Fargo bank in XXXX XXXX ca. closed my account even though I complied with there request for my resident address. 

I received a notice stating there was a compliance problem with the address on file ( even though I have been with the bank for number of years ). They said that account would be closed if I did not do so I made an appointment with the bank, give them the corrected address and they entered it into the computer. They said all was well I received another letter a week later stating the same thing. So, I made another appointment and went back to the bank. They apologized and said was entered incorrectly. So, I gave them the same information and they said that it was correct and that all was well. 

Then a few days later I logged into my account and my account had been closed. 

I had direct deposits from XXXX, XXXX and my pension check. 

Now I do not know where my direct deposits are or how I can retrieve them. 

I am on a fixed income and this puts me at risk of being displaced, because I can not pay my rent. It has caused me a great amount of anxiety. As a senior citizen it been extremely difficult to say the least
Product: Debt collection

Please be apprised that Progressive are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated my rights by : 1. Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) 2. Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) On XX/XX/2021, I sent by certified mail ( receipt number : XXXX XXXX XXXX XXXX XXXX, a request for your office to provide me with proof and evidence of the debt you alleged I owed. You proceeded to completely ignore my validation. Not only have you ignored my prior requests for validation of debt but you continue to report an unverified and disputable debt to the credit bureau causing damage to my character. You failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Everyone is entitled to a validation. In my certified letter that I sent on XX/XX/XXXX I kindly asked for : 1. What the money you say I owe is for 2. Explain and show me how you calculated what you say I owe ; 3. Provide me with copies of any papers that show I agreed to pay what you say I owe ; 4. Provide a verification or copy of any judgment if applicable ; 5. Identify the original creditor ; 6. Prove the Statute of Limitations has not expired on this account ; 7. Show me that you are licensed to collect in my state ; and 8. Provide me with your license numbers and Registered Agent. You may wish to familiarize yourself with what is required when validating a debt. Your business had more than enough time to perform a proper investigation, the 30day mark has come and gone therefore this unverifiable account should be removed from my credit report. There is no question that you willfully violated my rights and that I could bring charges against you immediately. However, I am assuming this has been a terrible mistake on your part and that you will take appropriate steps to enlighten yourself and your staff of such dangerous actions. I will also be checking my credit report to see if you corrected the errors by simply removing this unverifiable account from my credit profile permanently from all 3 bureaus. I must remind you again to not contact me in any way via phone or mail in reference to collecting If I receive anything other than absolute removal of the account from my report, I will assume you are harassing me, and I will take action against you for these continued violations and abuse. As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore within the 30day period, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. 
Thank you for your time Sincerely, XXXX XXXX *Proof of my validation and certified receipt accompanies this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

The two accounts below are paid off. 

XXXX XXXX Last reported XX/XX/2019 {$2400.00} XXXX XXXX Last reported XX/XX/2019 {$890.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is charging interest and making my credit go down, They may only charge interest and fees as they were outlined in the original contract. That's a rule specifically defined in the Fair Debt Collection Practices Act ( FDCPA ). I did not sign a contract with XXXX XXXX XXXX and i have asked transunion multiple times to provide me with this proof, they keep sending me a letter stating its accurate and thats it. My name is not enough for proof. This is not my debt and i do not owe any apartment complex any money, if this was the case there would be a eviction on file with maryland courts. I am demanding to remove off my credit, this is hurting my credit everytime they add interest that is not even apart of any contract i have signed. This is not a credit card or open loan to add interest because they took the debt from a company that is stating its mines and i explained to them that this debt is not my debt. They are refusing to remove this debt off my credit and this is against the fair credit reporting laws in maryland. XXXX XXXX XXXX has long term records of making people pay debts that are not theirs, they are harassing 's me and very aggressive trying to tell me this is my debt and sending me a lease for proof. that is not proof of the debt the complex is stating is mines.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information that XXXX XXXX XXXX svc supplied to XXXX, XXXX and Equifax credit bureaus ; whose report has incorrect information that has not been updated in reference to account ( XXXX XXXX XX/XX/XXXX ). 

Prior to the Pandemic I had an Impeccable Payment history XXXX credit score, I value being a financially responsible client. However, during XXXX I suffered from a major hardship, I had a great death in my family, and I lost my former husband, who at the time was my primary source of income. I also was laid off from my Job due to major cutbacks. Being a Widowed wife and a mother of XXXX It was hard to meet all my financial hardships. Nevertheless, I did not want to neglect my financial obligations. If you check the history on my account, I have never missed a payment from the time I opened my account in XXXX until the pandemic. In XXXX I reached out to your company to request hardship payment options, I agreed to do a settlement with your company, hence each account was paid. I was informed that the account would be kept current, no late payments will be reported due to me agreeing to settle the account and Care Act.

According to the Cares ACT, the CARES Act states if you make a debt-relief agreement, that creditor must continue to report the debt as current. Therefore, no late payments should reflect my credit file during that time. I Request that XXXX XXXX remove all late payment history as soon as possible to be in compliance with the federal law. To ensure that creditors adhere to the Federal Law which prohibits Negative Credit Reporting according to The CARES Act signed into law on XX/XX/XXXX, Act to amend Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during XXXX XXXX. ( 15U.S.C. 1681s-2 ( a ) ( XXXX ) ( F ). ) This has been an ongoing issue. I have also reached out to XXXX XXXX in XXXX, XXXX, and just recently XXXX XXXX via dispute through my credit bureau, however both accounts remain the same inaccurately Late Payment history.

Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the disputed late payment items as soon as possible.
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 practices with violate the Consumer Financial Protection Act.

In addition 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 the error resolution requirements under the Electronic Fund Transfer Act and Regulation E. 
These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

When I received my credit reports from XXXX, Equifax, and XXXX, I realized that my mortgage loan payments with XXXX XXXXXXXX XXXX does no appear in XXXX ; in Equifax it appears as a closed account, and the XXXX report the only one that reflects my mortgage loan payments with XXXXXXXX XXXX XXXX