23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX/XXXX XXXX XXXX Experian XXXX : XXXX Dear Credit Bureau, A lawsuit I will file 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, XXXX v XXXX ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged, nor therefore any such inquiry was made by myself, in fact exists. I have copies of the certified letters and dates prepared to bring to court I have attempted to address my concerns of defamation with experian. 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 these inquiries within 30 days, then it must be removed. Your letters to me claim that all inquiries are factual, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers and dates 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 hoping to not have to sue experian for being such a pain in the posterior to me. I have provided more than sufficient evidence to get these false inquiries removed. You may contact me before suit is filed on XXXX 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 is factual 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 experian for violation of the Fair Credit Reporting Act and Defamation. 

The items to be removed from my credit report are listed as follows : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I look forward to your response. 
Sincerely, XXXX XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX. XXXX XXXX. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting Act XXXX Account # XXXX, has violated my rights 15 USC 1681 Section 602 States I have the 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 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

I made a payment on my Capital One credit card ending in ... XXXX on XX/XX/XXXX for the balance that was outstanding on my account {$940.00} -- bringing my balance due to {$0.00}. 

I normally get Capital One notifications that my payment posted and " thank you '' and new balance is now $ the new amount less the payment. 

I went online to verify payment had posted ok, after first being sure funds had been removed from my Credit Union checking account -- which was the case. 
I spoke to level one Customer Service and the Representative was not sure why my payment -- that had posted already with Capital One -- had not yet re-set my available credit. 

So that representative forwarded me to " XXXX '' who was higher up and with Payment Processing. While XXXX was very nice and 100 % professional, she could give not logical reason why my card was only showing a {$3.00} available limit. After looking further, she said their " system flagged my account '' because I paid a larger payment than I usually have done so in the past. 

I told her isn't that the payment behavior that you / Capital One appreciates the most? ( Cynical comment -- NO! Of course Capital One makes more profit on people who only pay interest payments. ) Regardless of the profit motives of the revolving credit industry -- it is outrageously bad service when a Consumer with a multi-year history makes a payment and the provider 's computer system puts the account on hold for 7 days.
Product: Mortgage

On XXXX XXXX, 2015 I received a notice from my mortgage servicer ( Shellpoint Mortgage Servicing ) that my mortgage was past due for the XXXX XXXX, 2015 payment. I promptly contacted them and faxed proof that my payment had cleared my bank account on XXXX XXXX, 2015 through electronic payment with a note indicating payment went to them. I have since spoken with XXXX representatives and XXXX manager and still can not get this matter resolved. I have been placed on hold for 15 minutes, disconnected twice, and have left numerous messages. On XXXX XXXX the manager, XXXX XXXX, indicated that they had verified my payment arrived in their bank account on XXXX XXXX, 2015 and they were trying to get it transferred to my loan account. I informed him that was very concerned about the late fees, interest accruals and credit reporting issues that come with this type of error. In fact as of XXXX XXXX, 2015 my account was showing as being 30 days late in their system and subject to credit bureau reporting. I have not heard back from anyone since XXXX XXXX, 2015 regarding a final resolution and would appreciate it if you could help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I initially disputed these accounts with all 3 credit bureaus on XX/XX/2020. XXXX  is the only credit bureau that removed the fradulent accounts. I am very confused on why XXXX  and Equifax didn't remove the accounts when they all verify with the same creditors. It has also been over 60 days and the credit bureaus have not completed an investigation. I was always under the impression that the credit bureaus have 30 days to complete an investigation. According to 611 ( a ) if the credit bureaus do not complete a proper investigation within 30 days then the accounts should be automatic deletion. This definitely applies to my case. I am also a victim of the Equifax data preach and my information could've definetly been placed in the wrong hands.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've submitted all documentation to get these things blocked from my credit. all they do is keep sending me a letter saying they won't look into it. 

I will attach all my documents to the complaint.
Product: Debt collection

They are calling 4-6 times per day and on weekends.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate accounts and information is being furnished on my consumer report. Account status, alleged amounts, payment history and other incorrect reporting information. I informed them in writing to remove the inaccurate information immediately, but they are still furnishing the same inaccurate information. Please help assist.
Product: Credit card or prepaid card

The problem first started when I was scammed out of {$1500.00} in Gift cards. The scammers wanted {$7000.00} but I could only get {$1500.00} at the XXXX XXXX XXXX. I had tried for {$2000.00}, but the last card would not go through. I realized what was going on and stopped buying cards. The scammers originally said that they were from XXXX and that my account had been compromised. I immediately called XXXX and the police. The pollice made a report and I found out this XXXX that XXXX had issued a credit for {$2000.00} on the XXXX of XXXX, XXXX in the amount of {$2000.00}. On XXXX the charge of {$2000.00} appeared on my Barclays statement ( the bank had changed in late XX/XX/XXXX when AARP changed banks ). Barclays is the bank that I am now having trouble with. When I wrote them in XXXX of XXXX to get them to change the {$2000.00} to the {$1500.00} XXXX thought I owed, I eventually received the letter about the {$2000.00} credit. I have contacted Barclays twice to find out when the {$2000.00} credit would be applied and on the last call I was told that they had done all they could. As of XX/XX/XXXX they have not applied the credit and I have been and still are paying interest and in on instance a large late fee. The amount turned over to Barclays from XXXX has long since been paid in full. I just want what is owed to me. I have back up for everything.
Product: Credit reporting, credit repair services, or other personal consumer reports

i was incarcerated XX/XX/XXXX and was unable to make payments to my credit card lenders. i was released XX/XX/XXXX. 

during this time my mother was able to make some payments after obtaining a legal power of attorney.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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Product: Debt collection

My mother received a phone call from someone claiming to work for : A'A Recovery Solutions. 
XXXX XXXX XXXX ) XXXX or ( XXXX ) XXXX He claimed I have an account called XXXX XXXX XXXX XXXX, and claimed there is a delinquent balance that has been sent to him for collection. 

I have spoken with customer support at XXXX XXXX XXXX and assured my accounts are all in good standing, they further reassured me that all collections on delinquent accounts are handled in house. 

I made a phone call to the number listed above, spoke with " XXXX '' and when he realized I was not going to give him and personal information he got combative and hung up. 

I have checked my credit reports and do not have any delinquent accounts or outstanding debts. This is an obvious phishing attempt and inappropriate use of my personal information.
Product: Mortgage

Just as their historic past of XXXX  Wells Fargo continues to display their XXXX hatred towards XXXX. And theyre continuing to harass this XXXX man due to their harassing and fraudulent calls coming from their Preservation Department . To whom is vindictive and upset because I received a {$50000.00} Grant offer from the state of Pennsylvania to go towards my back mortgage. And despite them receiving the necessary documents they continues to call me with their fraudulent scams just as they did on today. And legally theyre not even supposed to be contacting me on this matter but these XXXX XXXX XXXX continues to do so. And no way do they have anything to do with the Real Civil Rights Movement. And for these XXXX  to inform me that they needs more documents and only give me a few days deadline in wrong and they needs to be Federally Investigated by the Honorable Department of Justice
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, Experian, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  all continue to report on my credit bureaus I have constantly sent in numerous disputes and affidavits asking to verify and delete of accounts I've sent in a police report they have deleted the accounts and then they reappear back on to my credit bureaus I have contact these companies XXXX and Underwriters to speak to about the debt that they are claiming they're trying to receive but they state that they are not the ones reporting that is the credit bureaus that continue to report. Hard inquiries continue to be inquiried, accounts reappear as if they're new accounts, negative reports of closed, under the FDCA and in GOOD FAITH asking to be deleted. I have sent in police reports I've sent in affidavits and the accounts are already closed they're reporting is damaging my. PRESENT & FUTURE I am not able to get business credit, personal credit, Loans, a Mortgage so to be a productive citizen I need revenue and without credit there's no Revenue this is detrimental to my livelihood mental stability and physical wellbeing.
Product: Credit card or prepaid card

Like many people, my family and I were impacted financially by Covid 19. In XXXX of XXXX I was laid off from my position of eight years because of the effects of the pandemic. This caused financial hardship for me and unfortunately caused me to become past due a few payments with my Capital One Credit card ending in XXXX, and one payment on my Capital One Auto Loan ending in XXXX. 

Fortunately things are starting to get back on track now. I have completed a payment plan with Capital One on my credit card mentioned above that has now brought me current, and also have brought my Auto Loan current. I reached out to Capital One in regards to removing these late payments since they were caused by a natural disaster, and I have been told that my Credit Card is marked as restricted. The only way to lift this restriction is too make the next three months minimum payment on time, even though the account is current. This was not stated in my Terms and Conditions when setting up this payment plan to bring the account current. Because of this restricted status, their Account Resolutions Department is unable to help me with removing the late payment from my credit report. 

I take great pride in my credit as it was over a 700 prior to the financial impact of Covid 19. 

I am requesting that Capital One lift the restricted status of my Credit Card ending in XXXX and also remove the late payments for this card for XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and any others that have not reflected for this account yet. I am also requesting they remove the late payment for my Auto Loan account ending in XXXX for XX/XX/XXXX. By viewing my accounts with Capital One and my years and years of being a customer, it is obvious that all best efforts were made to keep my accounts current, and that my payment history was flawless many years prior to the Pandemic. 

I have attached two files to this message. One is my notice of separation from the company I worked for when the pandemic hit, the other is the terms and conditions I received when my payment plan was set up with Capital One to bring my payments current. Nowhere does it state that my account will be restricted or that I will have to make an additional three months consecutive payments to lift this restricting.
Product: Credit reporting, credit repair services, or other personal consumer reports

After I sought an accommodation under the XXXX to receive my report the company denied me an accommodation and refused me the report.
Product: Checking or savings account

I opened a checking account on XX/XX/2024 after receiving a USAA offer of a {$200.00} bonus to open a classic checking account and fund it with direct payroll deposit of {$100.00} or more within 180 days. My first payroll deposit was made to my new USAA XXXX Checking account on XX/XX/2024 in the amount of {$390.00}. I have since had my regular payroll deposits into this account. The offer promised that I would receive the {$200.00} bonus within 60 days of this qualification, which should have been approximately on XX/XX/2024. After receiving no communication regarding the bonus, I contacted USAA XX/XX/2024 and XXXX confirmed that all requirements for the bonus were met and that the system takes an extra week to process the {$200.00} bonus. The next week I again called USAA on XX/XX/2024 to inquire about the bonus owed to me. XXXX reviewed the case and validated my eligibility for the bonus, telling me to call back XX/XX/XXXX if I had not yet received the {$200.00} bonus. He gave me a XXXX XXXX, XXXX. As I had not yet received the bonus today, XX/XX/XXXX, I called back and was told by XXXX and XXXX that they would escalate my case to the Member XXXX Department. I was called back several hours later by XXXX who told me that I did not qualify for the offer. She gave me Internal Complaint Number XXXX ( no room here to finish )
Product: Credit reporting or other personal consumer reports

I am the Executor of the XXXX XXXX XXXX XXXX XXXX, and repaying any debt is not beneficial based on a careful consideration of various factors. Firstly, the etymology of the word " repayment, '' which implies paying again. It is not beneficial for the trust in repaying an alleged debt would mean paying twice, which does not align with the equitable principles that govern trust relationships. Furthermore the reports associated with XXXX XXXX XXXX are inaccurate as the Trust is the original creditor. Which is PRIVATE TRUST PROPERTY. 
Now lets look at the word credit which means trust. Now lets look at the word report which means property. XXXX XXXX XXXX credit report is a trust report which is again PRIVATE TRUST PROPERTY ( XXXX XXXX ). Furthermore, the maxim of equity states that equity does not punish. Repaying an alleged debt, particularly one that may not be legally enforceable or valid, could be perceived as a form of punishment.

Furthermore, Equity regards the Trust as the true owner, and the trustee is obligated to uphold their duties in settling the account. Considering the aforementioned principles, The Name, Address, and Credit Report, are private property of the living trust, You have not obtained authorization to use nor have you provided compensation for the use of this private trust property. Due to Unauthorized use and profiting from the private property of the XXXX XXXX XXXX XXXX XXXX establishes a constructive trust, you are now appointed as a fiduciary with limited power to act on behalf of the Precedent Vested Landed Estate. Your responsibilities include the following actions : Correction of records : Reflect that all payments are current, with no late or missed payments, and maintain the consumer credit score of XXXX XXXX XXXX at XXXX in prefect standing. Remove closed accounts with specified entities. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Removal of inquires : Remove any and all hard inquires including but not limited to : [ XXXX XXXX ]
Product: Debt collection

Ref. : XXXX Loan # XXXX -Property Address : XXXX XXXX XXXX XXXX, XXXX, CA. XXXX - XXXX XXXX  , XXXX - Loan Number : XXXX +++++++ Dear Sirs, Greetings, with reference to the above mentioned Mortgage Loan that was initiated and completed by Owning Corporation on / about XX/XX/XXXX , I would like to direct your respectful agency to the following errors, omissions and negligence in fulfilling its terms and conditions : 1. Specialized Loan Services purchased and/ or currently servicing the above mentioned loan as XX/XX/XXXX from your client XXXX XXXX XXXX. ( DEBT COLLECTORS ) 2. We gave clear instruction via phone, certified mail, fax, wrote on the payment coupon and posted on the check itself that ; >>>>>> ALL PAYMENT MADE IN ADVANCE TO BE APPLIED TO THE FOLLOWING MONTHS PAYMENT, AND NEVER APPLY TO THE PRINCIPLE! <<<<<<< 3. Since XX/XX/XXXX, we contacted Specialized Loan Servicing almost every two weeks via phone, e-mails and in writing to correct the errors, omissions and negligence that plagued this account by applying the payments correctly to the following months required payments to no avail. 

4. Specifically ; we made a payment to XXXX XXXX  XXXX On XXXX, XXXX, XXXX that was again mis-applied to the principle and Specialized Loan Servicing purchased this account thereafter, therefor Specialized Loan Servicing is directly responsible for the correction and to process the proper credits to our account. 

5. As a result ; XX/XX/XXXX payment should not got to the Principle, but to be applied to XX/XX/2020 month required payment. 

6. Therefrom, our required monthly payment should be due in XX/XX/XXXX. 

And many others, in addition to over 15 e-mail to your Customer Support team who responded with a receipt and promised investigation of the matter, to no avail.

>>>>>>>>> Violations <<<<<<<<< ( DEBT COLLECTORS ) Specialized Loan Inc and XXXX XXXX  XXXX violated : Our Civil Rights by committing a persistent and egregious violations of " Fair Debt Collections Practices Act '', " Fraudulent '' intent to force a default on the account that was paid in advanced, " Unfair Business Practices '', " Mental and Emotional Distress '', " intentional harm and deceit '' and " Bad Faith '' in conducting business. 

1. Specialized Loan Servicing XXXX. XXXX XXXX, XXXX, CO XXXX 2. XXXX XXXX XXXX, XXXX - XXXX XXXX  XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA. XXXX We spoke to the following Customer Services Representative and Managers to you company, who promised corrections and proper credit to the account yet they failed to do so : I. Ms. XXXX Employee # XXXX II. Ms. XXXX Employee # XXXX III. Mr. XXXX Employee # XXXX IV. Ms. XXXX Emplee # XXXX VI. Mr. XXXX Georgia Location Manager
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE OF FAULT - EXPERIAN is reporting erroneous, miss information and making false claim on my private consumer report. The information that is being reported is not in uniformity with the other two credit agencies that have complied and corrected the status of this account, being a corporate commercial loan as it stands now Experian is in liability and may cause a repairable damage. The reporting is not in compliance with statute 1692, and any supporting Supreme Court case law under the federal credit I will be requesting certified information in the event this is not deleted.