23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had a loan with XXXX XXXX, that I was falling behind on due to a layoff. XXXX sold the loan to XXXX XXXX before it was 120 days late. I had never received the validation letter from XXXX XXXX and when I was in contact with them via phone around XXXX or XX/XX/XXXX they stated they were apart of XXXX and made me believe they were a company within XXXX. ( Like they were an in house collection ). They first asked if I could settle which I could not and said it was fine to just set up small good faith payments, and we would workout a settlement at a later time. I went ahead and set up small good faith payments with no documentation because I thought I was speaking with XXXX XXXX who was already handling my loan. Fast forward to XX/XX/XXXX and they have reported on my credit file over a year later that this account is in collection with a collection agency. Unbeknownst to me I thought XXXX was apart of XXXX and that this was not with a collections agency and never received any documentation that this was sold to a different company nor have I ever received the Collection Validation letter that you receive when you are sent to a collection agency. Then I also find that XXXX XXXX also sold them my file before I even defaulted which was why I was confused about the debt, and was so willing to continue payments and started payments without question to XXXX XXXX. Both companies were very deceptive in how they conducted business and I also want the debt validated, because what XXXX reported as delinquent and what XXXX shows with the small payments that I have been making do not match. I am afraid at this point they will not honor my validation request because they never sent me the initial validation of debt letter, which is illegal.
Product: Mortgage

Lender : Chase Home Finance LLCLoan # XXXXI tried to assume my loan, which servicing by Chase, but received decline which I do not believe was fare and justified. My Bankruptcy was discharged more than five years ago, all derogatory accounts on my credit report were as part of my bankruptcy. After I received my loan modification in XX/XX/XXXX, I never was late on my mortgage payments, but because of my past bankruptcy my payments were never reported to credit bureaus, which had negative effect on my credit score. 
I have legal XXXX family house, and according to conforming limit in our area my loan amount can not exceed {$800000.00}, which if way above of my outstanding loan amount. 
I 'm single mother with teenager daughter living and maintaining this house after my divorce. During the divorce proceeds house was left to me and my daughter, and court ordered me to complete assumption within one year. 

My current mortgage is much higher than my property value because we bought this house on the peak of the real estate market and during the recession value of my house has dropped. As of XX/XX/XXXX, my outstanding unpaid balance around {$520000.00} and deferred principal balance {$57000.00}, and my house marker value around {$540000.00}. By selling the house I will end up owing the bank substantial amount of money which I do not have. Therefore, to sell this house or even do the Short Sale this will have excessive negative financial effect on me, will affect the credits, reporting canceled debt as income to the IRS and paying taxes under the capital gain, and/or layout money at the closing. I can not sell or refinance my house. 
I do not see any valuable reasons for Chase to decline me for loan assumption when I 'm a good Chase customer who never miss or been late on mortgage payments. 
I truly hope that Chase Home Finance will consider working with me and I am looking forward to assume the mortgage so I can move on. 

Sincerely, XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Onemain had stated the following. " The Gramm-Leach-Bliley Act and related regulations expressly exempt credit reporting to a consumer reporting agency from the protections around disclosure of consumer information to third parties. There is no right to opt out of this reporting. '' This is false as I am able to revoke consent at any time pursuant to 16 CFR 313.7 paragraph ( e ) and paragraph ( f ). Onemain has also stated that once a year they send me a notice to opt out in order for them to comply with GLBA in other words 15 U.S. Code 6802. However, I have NEVER received a notice to opt out and when I exercised my right to opt out they have completely denied me my right to privacy. See attached exhibits. They are still reporting this information against the consumer 's wishes. Additionally, the Fair Credit Reporting Act requires that furnishers of information send a written notice to the consumer when they are going to furnish negative information in the attached exhibit, they claim that they sent this notice. But I have NEVER received this notice which violates the FCRA. If this company believes that they have sent me a notice to opt out and a notice of furnishing negative information then I demand proof. Provide a certified mail with green receipt that bears my signature. Please note that the certified mail green return card with my signature must be at least XXXX business days prior to the reporting of information and the right to opt out notice that you send " annually '' in my billing statement must also have the certified green receipt with my signature as proof that I received these documents. If you can not provide these documents then remove this information from my consumer reports immediately or I will seek legal action for all these violations including FDCPA violations.
Product: Credit card

Company is harassing me to make payments which I understand, but I am over the age of XXXX and they have contacted my father who I am not in touch with regarding my personal information and the debt that I owe, which is against the law. They called him on XX/XX/scrub>XXXX
Product: Bank account or service

I have had Citibank Credit Card since XXXX cobranded with XXXX XXXX . During XXXX 2015, i received an offer letter from XXXX to open an Citibank CitiGold Checking account by XXXX 2015 and then make purchases of {$750.00} from the checking account 's and XXXX Bill payments from the checking accounts within 90 days of opening the account in order to receive XXXX XXXX reward miles. The offer also promised to provide these reward miles within 90 days of completing the qualifying transactions. 
I opened the account by XXXX 2015 and completed all the necessary qualifying transactions within 90 days of opening the account. However, I did not receive the any airline miles within the 90 days. Moreover, i was shocked when the Bank began to assess $ XXXX Monthly fees for XXXX consecutive months. When I enquired with the customer service, the servicing agent mentioned that I need to have {$50000.00} in linked deposits. These terms and conditioned were not mentioned when i signed up for the account. I also did not receive any communication on the terms after opening the account. I wrote back numerous times to the bank to reverse the fees and close the account. After many complaints, i received the XXXX Airline miles well after 7 months of opening the account.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX AK XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX XXXX XXXX Balance : {$580.00} XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2400.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$580.00} 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
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


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

I have went over my credit report and I found account that are not mines from a XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, I do not recall doing any business with either company. I request to see some type of contract for business or paperwork until then pleae delete remove their accounts from my credit report they are not accurate. This is my official 609 ( a ) ( 1 ) ( A ) dispute that I demand a investigation and mail in a copy of something to verify these accounts on my XXXX XXXX, Equifax, XXXX reports
Product: Vehicle loan or lease

In XXXX of XXXX  I financed a vehicle with Santander and during the months leading up to XX/XX/2020 I made all of my payments on time. In XXXX I was a nurse working at the height of the COVID-19 pandemic and became infected with the virus. That being said I was unable to work for about a month attempting to recover from illness as well as its residual affects so I asked for an extension on my payment. The customer service rep offered their covid-19 relief program which basically stated that my payment for that month would be added to the back of my loan. I accepted but they still reported a missed payment. In XXXX we were then affected by a Hurricane which caused major power outages, property damage and flooding so I asked for another extension due to the fact that me and my family had to evacuate. Again they made note that I had been affected by natural disaster but still reported a missed payment for that month. XXXX I made my regular payment but it was not reported. In XXXX I set up an auto draft from the account on file with the bank and the payment was never drafted. XX/XX/XXXX my car was repossessed. I called and was told that i was to pay a balance of somewhere close to {$3000.00} to get my vehicle back. They told me that I had until XX/XX/XXXX to remit payment or my car would be auctioned off on XX/XX/XXXX. I called on XX/XX/XXXX to pay my balance in full and was then told by the rep that santander was not approving my account for repayment and that I basically just couldn't get my car back although I had the money to pay and called by the deadline provided. I also tried on several occasions to obtain a copy of the auction receipt to verify the balance owed on this loan and was given the run around by reps also all mail correspondence sent to the creditor by me was ignored. Also This company shows an outstanding balance of {$8700.00} on my customer portal as of XXXX but is reporting an outstanding balance of {$12000.00} to XXXX, XXXX and XXXX
Product: Debt collection

I rented a room at XXXX XXXXXXXX XXXX  from XX/XX/year> till XX/XX/year> in the amount of XXXX XXXX  monthly along with split utilities bills. We lived at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have never lived in XXXX XXXX I never had mail from that location due to this being fraudulent. 

I am requesting for this to get removed due to this account collection being fraud.
Product: Debt collection

I am writing in response to your recent communication regarding an alleged debt that you claim I owe. I am requesting that you provide validation of this debt, as required by the Fair Debt Collection Practices Act ( FDCPA ) Code 15usc 1692g. Specifically, I request that you provide the following information : The amount of the alleged debt, including a breakdown of any interest, fees, or charges that have been added. I want you to send me a detailed list of the historical payments made by me on this account. A copy of the original signed agreement or contract that establishes my responsibility for the debt. A statement outlining the date of the alleged debt and the timeline of its accrual. Im asking to see has there been any insurance claim file on this debt. Any other documents or evidence that support your claim that I owe this debt. I want proof that you have the chain of titles to collect on this debt. Please note that under the FDCPA, you are required to cease all collection efforts until the requested validation is provided. I expect to receive this information within 30 days of the date of this letter. Failure to provide adequate validation of the debt will result in me requesting that you cease further communication and may require me to take appropriate actions, including filing complaints with relevant regulatory agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account number XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX. Account Number XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX. Account XXXX XXXX. Date Opened XX/XX/XXXX XXXX XXXX XXXX. Account XXXX XXXX. Date Opened XX/XX/XXXX XXXX XXXX XXXX. Account XXXX XXXX. Date Opened XX/XX/XXXX XXXX XXXX. Account XXXX XXXX. Date Opened XX/XX/XXXXXXXX XXXX  Account XXXX XXXX. Date Opened XX/XX/XXXX The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX  XXXX XXXX Balance : {$3900.00} XXXX XXXX Balance : {$1600.00} XXXX  XXXX XXXX Balance : {$7300.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$3900.00} XXXX XXXX Balance : {$1700.00} XXXX  XXXX XXXX Balance : {$7300.00} XXXX XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX {$3900.00} XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXXXXXX Balance : {$7300.00} XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. XXXX XXXX, XXXX, XXXX, Fair Collections, Transunion, XXXX XXXX and resurgent receivables has fraudulently abused my private information without my consent and it appears on my credit report. It is hurting my right to liberty, and the pursuit of happiness as protected by the Constitution for the United states of America.
Product: Credit reporting, credit repair services, or other personal consumer reports

The address listed XXXX XXXX XXXX XXXXXXXX XXXX is incorrect Ive never lived there.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondences regarding the inaccurate negative entry that continues to be reported on my credit report across all three major bureaus. Despite numerous attempts to rectify this matter, I am disappointed to inform you that I have yet to receive a satisfactory resolution.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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 XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

While going thru XXXX XXXX  my son in law stole my card and charged around XXXX. To play a XXXX game from XX/XX/XXXX thru XX/XX/XXXX. I am XXXX and live on social security only. Had XXXX XXXX XXXX and big XXXX XXXX with XXXX inch incision. I would never authorize these charges. I contacted citi bank and first they took charges off but now say I am responsible to pay the charges.
Product: Mortgage

Wells Fargo Customer Care Remediation for HAMP denial wholly insufficient.

Detailed information in the Complaint Letter and supporting documents attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd complaint that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized.This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX
Product: Debt collection

Threatened to send police to get me. Refused to mail me documents stating what debts I owed. Wo n't stop calling me or my family. 
( XXXX ) XXXX
Product: Credit reporting

TransUnion credit bureau denies receipt of a request for deletion of a collection account from XXXX XXXX XXXX. XXXX XXXX XXXX informed me they sent the request on XXXX/XXXX/16. Today, XXXX/XXXX/16, XXXX XXXX informed me they sent a request to all XXXX credit bureaus a total of 3 times. XXXX XXXX is a 3rd party vender for the city of XXXX XXXX, who issued me citations because a tenant failed to water the lawn. I paid the citations in early XXXX, 2016.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern, RE : XXXX XXXX Pursuant to XXXX XXXX XXXX  XXXX ( XXXX ) ( XXXX ) " the term consumer report does not include '' " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; '' by furnishing the below account you are in violation of the law. 


remove the Account : XXXX XXXX Failure to respond satisfactorily with deletion of the above Late Payments, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : XXXX. Defamation of Character XXXX. Negligent Non Compliance XXXX. Civil Liability XXXX. Mental Anguish XXXX. Fair Credit Reporting Act XXXX XXXX violations for willful noncompliance - XXXX. Civil liability for willful noncompliance [ XXXX XXXX. XXXX ]
Product: Mortgage

I done a refinance on my home mortgage with Cross Country Mortgage, It started normal as i filled out an application over the phone with my loan officer XXXX. Upon approval XXXX told me everything looked good and not to make any payments to my mortgage company that we would be closing by then. He said " Worst case there will be a {$39.00} late fee that we will take care of ''. A month later after not hearing a word from them I get a call to do an appraisal which was done. Several weeks later I get an email from XXXX XXXX where my mortgage company put me as late dropping my credit score 50 points. I started calling and leaving voicemail after voicemail after voicemail. Finally I get XXXX on the phone who says he meant to call me and tell me to make my payment but he is going through a XXXX XXXX and it slipped his mind. So several weeks later its finally time for closing and the closing attorney has no paper work on the day of closing. Then she finally got the paper work and it was wrong so she came back 2 days later to close. I noticed on the first paper work the charged me almost {$1400.00} for a late closing when it was late due to them. So i called and they credited me the {$1400.00} so they said. My loan closed and the sold my mortgage and when i got my statement they still charged me the {$1400.00}. Now im back to leaving voicemails to a company that doesnt even own my loan
Product: Credit reporting, credit repair services, or other personal consumer reports

I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ALLEGED ACCOUNTS TO 15 U.S. CODE 1602p. BLOCK AND REMOVE THEM. PURSUANT TO 15 U.S. CODE 1681C-2. THIS FTC REPORT XXXX ERROR. I ALSO DID NOT RECEIVE ANY SERVICES. IF YOU THINK I DID PLEASE HAVE A SENIOR EXECUTIVE PRO THE PENALTY OF PEJURY.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is against the credit bureaus i disputed incorrect information on credit reports i sent letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and i have yet to recieve a response period. I am filing a complaint the following account XXXX XXXX a creditor is reporting incorrector open of this account ex open XX/XX/XXXX but XXXX   and equifax reporting open dates of XX/XX/XXXX the date of last activity reporting XXXX XX/XX/XXXX and equifax XX/XX/XXXX how is it possible for this account to be open after the lease date also how is this reporting two different dates of last activity this account has been reaged and also is not reporting any payment on my credit report I also attached a lease agreement and proof of last payment.according to my credit report how can XXXX report the open date and last activity as the same. 
XXXX XXXX is reporting incorrect open dates three differents of last activites all across the bureas how can they be incompliance with the FCA when they wont correct or delete inaccurate information on my credit report, i have attached lease agreement credit report proof of payment ...