23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX had a collection for atnt in the amount of XXXX that I paid in full, XXXX deleted the collection per our agreement. XXXX  then transferred the collection to a new company ERC as if it had not been paid. I never received a letter or phone call from ERC before they put a fully paid collection on my credit report. I called XXXX several times no answer, I called XXXX  serval times no solution. I do not have a record of a payment I made over a year ago. In addition my bank recently switched ownership and Acquiring the bank statements is going to take a while if I can find them at all. I have asked atnt to recall the collection they refer me back to the collection agency. ERC says the notes from the previous collection agency states I did not pay the debt because I filled for bankruptcy, I have never filed for bankruptcy. If I shad that would absolved me of having to pay the debt. Nobody is making sense or providing a solution. Please help me remove this paid collection. Im trying to buy a house and I lost XXXX points for a collection I already paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted several times to have XXXX remove this from my credit report because it's stopping me from purchasing a home. first it is not my account it belong to XXXX XXXX I was removed from this account 3 months after car was purchased. 2nd the car was totaled and the balance after insurance and Gap insurance paid is incorrect and the dates are incorrect. I have several time attempted to have this removed from all three bureaus and I feel like it's violating my credit reporting rights. XXXX do have knowledge of this issue and fail to resolve it. XXXX have an internally inconsistant error issue and is doing nothing about it, XXXX has had this issue for years and fail to resolve it. I would like this account removed from XXXX, XXXX, and XXXX because even the amounts and dates are incorrect and it needs to be resole or my next step is an attorney.
Product: Student loan

EdFinancial services on XX/XX/XXXX, contacted me about the Debt, on Behalf of XXXX XXXX belonging to a Company Similar to my Name. 15 USC 1681n, verified to EdFinancial Service whom I am on XX/XX/XXXX. Alerted them this was my DECEDANT Account as verified by the IRS, and Pursuant to XXXX. XXXX XX/XX/XXXX, the Universal Declaration of Human Rights Articles 1,2 & 8, 15 U.S. Code 1681, The Homestead Act, Social Security Act 1935, Articles of XXXX XXXX ( organic constitution ). PUBLIC LAW XXXX. XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX ) XXXX of foreign credits PUBLIC LAW XXXX. XXXX, XXXX XXXX XXXX. XXXX XXXX gifts PUBLIC LAW XXXX. XXXX, XXXX XXXX XXXX. XXXX XXXX public debt PUBLIC LAW XXXX. XXXX, XXXX XXXX XXXX. XXXX XXXX tender PUBLIC LAW XXXX. XXXX, XXXX XXXX XXXX. XXXX XXXX clauses & consent to sue PUBLIC LAW XXXX. XXXX, XXXX ( d ) ( XXXX ) & ( XXXX ) " obligation '' XXXX XXXX. XXXX ( b ) ( XXXX ) " notes issued '' PUBLIC LAW XXXX. XXXX, XXXX XXXX STAT. XXXX XXXX ( XXXX ) - Financial Agency PUBLIC LAW XXXX. XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX ) ( B ) - Monetary Instrument PUBLIC LAW XXXX. XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX ) - government obligation PUBLIC LAW XXXX XXXX XXXX STAT. XXXX ( XXXX ) -involuntary servitude PUBLIC LAW XXXX XXXX XXXX STAT. XXXX ( XXXX ) ( c ) ( ( XXXX ) ( a ) ( b ) ) - coercion PUBLIC LAW XXXX XXXX, XXXX XXXX STAT. XXXX ( XXXX ) -DEBT BONDAGE PUBLIC LAW XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX labor PUBLIC LAW XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX conduct/documents
Product: Credit reporting, credit repair services, or other personal consumer reports

I did - not Authorize / Authorizations the use of personal credit / view and/or open new accounts, IDENTITY THEFT VICTIM - EQUIFAX DATA BREACH ... 

^^^^^^^^^^Equifax IInfomation^^^^^^^^^!!! 
Inquiry details XXXX XXXX, XXXX XXXX Inquiry from XX/XX/2018 ^^^^^^^^^^^^^XXXX^^^^^^^^^^^^^^!!!! 
Inquiry details XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX Equifax Mort Inquiry from XX/XX/2018 Misc. 
XXXX XXXX Inquiry from XX/XX/2018 Misc. 
XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 Bank XXXX XXXX XXXXNeeds Attention Last reported : XX/XX/2018 {$650.00} 30-59 Days Late XXXX XXXX XXXX XXXXNeeds Attention Last reported : XX/XX/2018 {$380.00} Credit Cards XXXX XXXX XXXXNeeds Attention Last reported : XX/XX/2018 {$2900.00} 30-59 Days Late XXXX XXXXNeeds Attention Last reported : XX/XX/2018 {$650.00} 30-59 Days Late XXXX XXXX XXXX XXXX XXXXNeeds Attention Last reported : XX/XX/2018 {$380.00} 90-119 Days Late
Product: Debt collection

Ability Recovery Service LLC is attempting to collect a fraudulent debt for XXXX XXXX XXXX XXXX not owed by me provide proof of debt in writing within 30days or stop contacting me and delete fraudulent account from system
Product: Debt collection

Upon reviewing my credit report I noticed a collection account from Convergent Outsourcing. Im not sure how that is possible as I have never done business with nor have I been contacted by this company about this debt. I have never received a collection notice or right to dispute this debt notice. I dispute this accounts entirety and I am requesting that convergent outsourcing remove this account immediately from my credit reports and cease ALL collection/communication attempts. I have NEVER done business with nor have I been contacted by convergent outsourcing. XXXX
Product: Money transfer, virtual currency, or money service

I was contacted about a loans for {$5400.00} that Check n Go disbursed in XXXX in my name. I did not apply for any funds from check n go. I explained that to them and asked for paperwork, signatures, account information that the funds were deposited into as well as a copy of the identification used to get these funds. They have never sent any of the documentation that I requested. There has to be concrete proof of this transaction somewhere.signatures, for matching purposes, an account that these funds were deposited into as well as a copy of the identification that was used to complete this transaction. This was fraud/identity theft. I have been advised to file a police report but I do not have any documentation to support my filing. I called the debt collector ( XXXX ) request information and was told that I would emailed information that they had on the account. I have not received anything from them.
Product: Credit reporting or other personal consumer reports

I dispute the inclusion of certain collection accounts on my credit report, which I believe are inaccurate and unverified As per my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, I am disputing the following collections Accounts XXXX XXXX XXXX XXXX XXXX I have already sent a debt validation request to the collection agencies as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and I have yet to receive satisfactory proof that these debts are indeed mine. 

I request that you investigate these matters promptly and remove or correct the disputed information from my credit report if the creditors can not verify or validate the debtThe FCRA requires you to complete this investigation within 30 days of receipt of this letter ( 15 U.S.C 1681i ) Please note that accurate reporting is crucial for fair credit practices, and it is my right as a consumer to insist upon this. If these inaccuracies are not correctedit could have severe implications on my credit worthinesswhich is a violation of my consumer rights under the FCRA, for which I may be eligible to seek statutory damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : 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 card or prepaid card

Since the beginning of XXXX, Comenity Bank ( for XXXX XXXX XXXX ) has been reporting my " available credit '' as being only {$350.00} even though I have a XXXX balance on my account with NO PENDING orders or BACK-ORDERS. I have repeatedly called Comenity and XXXX to get this matter resolved and they keep passing the buck back and forth and they refuse to get this simple clerical/math problem resolved. 

When creditors check my credit and they are reporting that I have only {$350.00} available credit on my {$900.00} credit limit, they view me as being " credit irresponsible '' for having such an " outstanding balance '' on my account. It's simply not right, and the claim there is nothing they can do to correct it. Several times Comenity reset my available credit, but the next day -- it goes back to the measly {$350.00}.
Product: Mortgage

We were not properly informed about taxes going into escrow. 
They paid taxes that were not delinquent to prevent us from paying off our loan and held our {$180000.00} payment for a week and never contacted us to let us know why this was happening They put us in escrow after the payoff had already been in process and requested and still accepted our wire and held it for a week and never contacted us to tell us why the payment was not reflected in our account. 
We situated this issue and reset up the wire after adding what they made us pay in escrow and then they sent us a letter that our insurance was then about to be in escrow and are trying to delay our payoff process by 45+ days trying to receive more interest from us Both of these issues arose days prior to our payoff dates. They have delayed our payoff multiple times threatening to add additional fees and put us in escrow. We had a lapse of under a month due to our insurance agent not renewing our plan and we had no idea and had not been contacted. We resolved the issue and submitted all paperwork required and the gap of time ( 24 days ) had been rectified with a " statement of no loss '' and coverage moving forward. Our pay off is on Monday and they stated for this past incidence there are no active fees right now that have been charged but now that we sent them over our coverage again for our home owners they're going to charge us a " lenders fee '' which again messes up the entire payoff amount hence delaying our payoff and putting more money in their pockets for interest.
Product: Debt collection

The law firms are representing Bank of America in a foreclosure and filed a Notice of Hearing on Foreclosure of Deed of Trust on XXXX XXXX, XXXX, and the law firms used Fraudulent documents that were sent to them by Bank of America. The law firms have been notified of the fraudulent documents but have done nothing to stop this fraudulent foreclosure. The new Foreclosure XXXX date is XXXX XXXX, XXXX, but the foreclosure sale has not been canceled and dismissed due to the filing of the Foreclosure with fraudulent documents. The Note filed is fraudulent in several ways but the main reason it is a fraud is that it is not the Note that I signed at the Closing which was XXXX XXXX, XXXX. The Note is already fraudulent because the lender listed on the note is XXXX XXXX XXXX Lender and they are a fictitious lender that was used by Countrywide XXXX Loans to originate mortgage loans in XXXX and the above-noted lender was not licensed in the State of North Carolina or any state in the United States because it was a fictitious lender and not Legal to originate or fund mortgage loans in the first place.
Product: Mortgage

My HELOC was funded by XXXX who sold my HELOC to Shellpoint Mortgage XXXX in XX/XX/year>. I have access to their website and receive paper statements. My HELOC is approx. XXXX K in total with a monthly interest payment of around {$1000.00}. 

I have sent them XXXX payments since XX/XX/year>. I believe that they had an error on the second month statement and told me I owed around {$1700.00} in XXXX. I paid this, but realized this was excessive and called the first time. The agent agreed with me and supposedly credited my next monthly interest payment to {$300.00} plus dollars which was paid for XXXX to total the interests payment. 

Ever since, they have insisted that I am XXXX month delinquent harassing me weekly in spite of regular monthly payments and I have called more than a dozen times, waiting on hold, supposedly speaking to supervisors, transferred here and there and, yet, the website to this moment states that I am delinquent in my interest payments. At the same time, I have lodged formal complaints over the phone, sent a letter to the legal department and have yet to receive a response. 

The last communication I received from them was a letter stating that my " loan is delinquent '' asking me to XXXX to straighten this out. 

I have contacted XXXX XXXX and have a record of all my payments to Shellpoint and I have contacted my attorney. I am willing to pursue this matter against this unscrupulous, unethical and disorganized lender.
Product: Mortgage

On XX/XX/2020 I scheduled a payment that would bring my loan to XXXX balance. I scheduled it in the usual fashion. I have made large payments to my loan in the past with no issue. On XX/XX/2020 my bank delivered the payment. I didnt think much about it after I saw it had been delivered. On XX/XX/XXXX I realized the payment had still not been accepted. I called my loan servicer on the XXXX. They said they hadnt received the payment, suggesting I cancel the check saying it must be lost. 
Loan servicer is refusing payment on an up to date loan because it is too large of a percentage of the total. I said I wanted to pay off the principal of the loan and that if there were left overs to apply that amount to the escrow of the account. Then they said that I should ask for a payoff quote and that if I did they would be able to accept and apply the payment. All week I waited for the payment to be applied. I finally got a call back on Monday XX/XX/XXXX saying they had refused the payment because I couldnt payoff the account with non certified funds. They asked me to ask for a payoff quote ... I had simply wanted to pay the principal down so I wouldnt get anymore interest applied to the account. Then they used that as a reason to return the funds. I had offered to send an additional certified check for remaining fees left to close the account. 
After holding funds for 24 days they rejected them. Under what situation should a servicer refuse a payment on an account that is up-to date? 
Now they want to change me another month of interest stating they have to charge a full month because of FHA rules. 
How can a servicer refuse to take payments based on rules Ive never seen or agreed to. My loan documents say I can pre pay loan anytime and that it may be held and only applied on the payment due date. That day came and went.
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 rights to privacy and confidentiality under 15 USC 1681. 

XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Have been in contact with all the 3 bureaus for over an year now to get accounts that do do n't belong to me removed with no success the only bureau that refuse to remove/update information is Equifax. The account that are not mine and are included in ID Theft Report # : XXXX which I have submitted a copy of Affavaidat and police report to Equifax and they still have failed to properly investigate and remove these accounts : XXXX XXXX Bank ( 2 accounts ) # : XXXX, XXXX ; Illinois XXXX  XXXX # : XXXX, XXXX XXXX # XXXX XXXX, and XXXX XXXX and XXXX XXXX XXXX this account is reported two times invalidly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was on my experian credit file then I saw that my credit had decreased from a XXXX to XXXX so immediately i called experian an spoke with somebody and they said that I had a negative report on my account. I asked where is that coming from and they said from XXXX XXXX XXXX then i immediately hung up and contacted XXXX XXXX XXXX on XX/XX/XXXX. The amount was {$680.00} and they said it was from XXXX XXXX XXXX and They offered me to pay {$250.00} and said it would be marked as paid in full and removed from my credit. I also requested for proof of the receipt that said it would be marked paid in full, when I didnt get the receipt I made another call to them and they sent me the receipt which is attached. I disputed it with experian about 2-3 times already then experian was twlling me that the account is valid and I never made any payment. XXXX XXXX also said I never made a payment so I contacted them again and asked what are they talking about and they asked me to send proof to them which I emailed to them. They still told me they never received my payment and I was going back and forth with them and experian. Experian took my dispute and as of today XX/XX/2023 its still coming back as the account is valid and i never made any payment.
Product: Credit card or prepaid card

On XX/XX/2022, I the consumer, natural person, and original creditor initiated a consumer credit transaction with TD Bank. On said date I applied for their TD Double Up XXXX Credit Card using my social security number ( SSN ). However, TD Bank denied my consumer transaction/application and mailed me an adverse action letter dated XX/XX/2022 ( a violation of 15 U.S.C. 1691c ). A copy is herewith attached. On XX/XX/2022, I sent TD Bank by certified mail notice alerting them of their violation of my federally protected consumer rights. Which they received and signed for as evidence by the signed certified return receipt ( XXXX ). 

Copy herewith attached. In the notice, I gave TD Bank ten ( 10 ) calendar days to rectify the situation by reassessing my application and approving it. I also clearly and conspicuously stated that " failure to respond is tactic agreement that [ TD Bank ] [ is ] civilly and criminal liable for the actions take against the beneficiary. '' In accordance with the postal rule, their failure to respond in writing to my notice to wit, is tacit agreement that they violated my federally protected consumer rights by not approving my application for the TD Double Up XXXX Credit Card. It has been over 30 days since TD Bank has received my first notice and yet has not responded in writing to my demands. 

To reiterate what my notice made clear : According to federal law ( 15 U.S.C. 1602 ( I ) ) my social security card is a credit card. A credit card is defined as " any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' I used my social security card/number in connection here to obtain another credit device existing for the purpose of obtaining money, property, labor, or services on credit. Accordingly, as a consumer, natural person, and original creditor, it is unlawful to deny me of my own credit. Furthermore, 15 U.S.C. 1691 ( a ), provides that : " [ I ] t shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction.. " A denial of my open ended consumer credit constitutes to discrimination. Moreover, pursuant 12 U.S.C. 1431, Banks and Credit Unions have power to borrow money, issue bonds and debentures, therefore TD Bank is unable to lend a consumer, natural person, and original creditor anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I am seeking help, my rights have be violated as per 809.Validation of debts Credit Reporting Act ( FCRA ) , 15 U.S.C. 609 and Fair Debt Collection Practice Act ( FDCPA ) 809 ( B ) by XXXX  & XXXX  regarding the reporting by XXXX XXXX XXXX. I sent a letter of validation in response to the letter notice of payment by XXXX XXXX XXXX. XXXX  & XXXX  has NOT conducted a proper investigation. XXXX  & XXXX  failed to properly respond to my letter with specific request for method of validation and has since now to put erroneous and inaccurate information on my credit report. XXXX XXXX XXXX has failed to report to Experian that this matter is in dispute prior adding it onto my credit report and by law can not pursue any credit reporting agency until the matter is resolved. XXXX  / XXXX  & XXXX XXXX XXXX has not legally validated this debt as per required by theFair Debt Collection Practice Act ( FDCPA ) 809 ( B ). A credit card statement is not a legal validation of debt as It is Not A CONTRACT. XXXX XXXX XXXX has failed to produce any contract or ownership or legal assignment / transfer and or legal affidavit purchase of the debt. XXXX  & XXXX  failed to properly obtain any such agreement in its investigation while clamming the account was verified by a " Statement page '' Reporting it as actual fact. Seeking Interest of fees without a contract is a violation of the FDCPA. Reporting inaccurate information is a violation as per Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 609 and Fair Debt Collection Practice Act ( FDCPA ) 809 ( B )
Product: Bank account or service

I have been reported by TD Bank on XXXX XXXX,2015 and the information is inaccurate. I was offer an settlement offer on account ending # XXXX, in the amount of XXXX if paid by XXXX XXXX. I set-up XXXX payments to be withdrawn from an different account of {$37.00} which both payments has been satisfied by such date. I contacted TD Bank and explain to them that I was given an settlement to prevent further collections activity. I have spoken to several representatives regarding this matter and no resolution. I have been contacted by a manager and when I tried calling her back I have n't received a follow up called back from TD Bank. This account has been reported inaccurately. Please make necessary corrections. The account should be consider paid in full for the settlement amount I was offered {$74.00} ( +/- ). 

Also, I noticed on my report that account ending # XXXX has been reported for the incorrect amount owed at closing. The account was charged off with an outstanding balance owed {$450.00} ( +/- ) of which I have called the collections company to set-up payment arrangements. Please have amount corrected.
Product: Credit card or prepaid card

Submitted a charge-back [ In XX/XX/2020 ] for a purchase [ made in XX/XX/2020 ]. XXXX Barclay ( Mastercard ) has denied the charge-back multiple times now, each time with a different excuse. 
The purchase was a countertop with a specific design, the vendor ( XXXX ) came with the wrong design. I contacted the vendor and they claimed they don't issue refunds, and if I'd like I can go to their warehouse and pick up the wrong item. 

I contacted XXXX Barclay ( Mastercard ) and submitted a claim. They closed the claim multiple times for different reasons. Culminating in a final notice stating that there is nothing else they can do, but if I'd like, they can call the vendor ( XXXX ) for me to try and get a refund, but they will not be approving the chargeback.