23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was sent an invite to sign up for a 'Bi-Weekly ' mortgage payment plan from SunTrust XXXX Went into a XXXX XXXX Florida office in XXXX 2015, the 'Personal Banker ' had to call the main mortgage office to get more information about the plan because she did not know how this new plan worked. I just received an email letting me know that I owe 2 months mortgage payments simultaneously for the XXXX month, this was never disclosed, also a late fee which needs to be waived. This now looks as though I am late and was told that it would go to credit reports if not paid. I think this is not good business and have asked to stop immediately. I was told to send a written letter in order to stop. I have faxed a letter stating this today, XXXX XXXX, 2015. Had I been properly disclosed to about the 2 months worth of payments to begin, I would have not proceeded. When I made my XXXX call today, I was told that there were 'bugs ' in the new process, 'many complaints coming in ' and ' this is a new process for us, so we are not sure '. I was also told that a 3rd party system handles these types of plans.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX This account is not mine. I've sent disputes and there wasn't any change. I've recognized this is not my debt. Also, I realized inaccuracies within the account itself that is grounds for immediate deletion. I will also list the credit laws in which this account goes against with the FCRA. 

15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).

15 USC 1681i ( 5 ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
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

In accordance with the Fair Credit Reporting act XXXX Accounts, 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 XXXX XXXX Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021 XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of a data breach. This is a request to block information resulting from identity theft. I have already notified your agency of this and still have information caused by identity theft on my credit report which is a clear violation of 15 U.S. Code 1681c2. This information is not information relating to any transaction by me. This request was not made by error. I did not obtain possession of goods, services, or money as a result of these transactions. Pursuant to 15 U.S. Code 1681c2 you must block these accounts, collections and hard inquiries from my credit report no later than four business days of receiving this complaint. I have attached a copy of my ID, social security card, proof of address, Identity Theft reports from the FTC, and court documents.
Product: Debt collection

I have new and updated information regarding complaint number XXXX. 

A contract can only be valid and legal if theres a legitimate enforceability agreement between two parties. There are several aspects that make up such an agreement : there must be an agreement between both parties formed by an offer and an acceptance, the consideration, which is a promise that is supported by something of value, and the contract must have legal purpose. Without these four critical aspects, the contract can not be legal. 

XXXX XXXX does not have firsthand knowledge of the specific details of the purchase of my home. This company, its associates, and client XXXX XXXX Homeowners of XXXX XXXX, Ga XXXX XXXX XXXX XXXX XXXX XXXX referred to the XXXX was not present during the closing of the home and can not speak to the facts of that situation. According to XXXX XXXX, upon purchase of a property in the community, the purchaser automatically becomes a member of the homeowners association by default without any legitimate agreement between the consumer and the XXXX and is subject to the terms and conditions found within the declarations. XXXX XXXX has provided a clear example of why congress felt the need to write the FDCPA, to protect consumers from abusive, deceptive, and unfair debt collection practices as displayed by XXXX XXXX, and the XXXX as well as protect the consumers right to privacy. 

The fact that XXXX XXXX and the XXXX has ignored my numerous requests to see the legitimate enforceability agreement, or the documentation that gives them the legal right to attempt to collect anything from me proves that theyve infringed upon my federally protected consumer rights and that this alleged debt is not legal and have been predatory from the very first time theyve demanded payment from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

show tooltip button XXXX XXXXDispute XXXX XXXX XXXX  XXXXDispute XXXX XXXX XXXXDispute XXXX  XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX  XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute ftc violations
Product: Student loan

Join the time XXXX XXXX when the XXXX pandemic was eminent. I reached out to Navient customer service and explained to the representative that I was currently out of work and receiving unemployment benefits. They were unwillingly ready to work with me as far as postponing payments. They made me write a letter and submit proof that I was not making any money except my company was only paying me XXXX hours of pay, which was less than {$1000.00} a month. It was a complete disaster and they threatened to send me to collections.
Product: Mortgage

XXXX XXXX  XXXX XXXX and Members First Mortgage is in violation of CFPB XXXX XXXX XXXX Requests for information. | Consumer Financial Protection Bureau c ) Acknowledgment of receipt. Within XXXX days ( excluding legal public holidays, XXXX, and XXXX  ) of a servicer receiving an information request from a borrower, the servicer shall provide to the borrower a written response acknowledging receipt of the information request. 

XXXX ) Time limits ( i ) In general. A servicer must comply with the requirements of paragraph ( d ) ( XXXX ) of this section : ( A ) Not later than XXXX  days ( excluding legal public holidays, XXXX, and XXXX ) after the servicer receives an information request for the identity of, and address or other relevant contact information for, the owner or assignee of a mortgage loan ; and ( B ) For all other requests for information, not later than XXXX  days ( excluding legal public holidays, XXXX, and XXXX ) after the servicer receives the information request.On XX/XX/year> I requested a copy of the deed to my home as well as all of the records to my file. It has been months and neither XXXX XXXX or XXXX own have providev me with my request. When I contact XXXX XXXX and spoke to supervisor XXXX to tell her that XXXX XXXX is not sending me my requested information and ignoring my request she advised that my security question were incorrect even though according on their website my security questions were correct
Product: Debt collection

RISE has reported an account in collection to the XXXX  credit bureau. I have contacted them numerous times by mail requesting validation of this account. They did not provide any details about their authority to collect this debt, a copy of the last billing statement sent to me by the original creditor, or provide a copy of the written agreement that created my original requirement to pay. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt. Please note this is a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent. If your office fails to reply to this debt validation within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a billing error on my account as permitted under the Fair Credit Billing Act. I recently reviewed my billing statement dated XXXX XX/XX/XXXX, and I noticed the following discrepancies : Description of the Dispute : DEBT COLLECTION On XXXX XXXX I was charged {$1300.00} for a transaction at XXXX XXXX, which I did not authorize. 

Under the Fair Credit Billing Act, I have the right to dispute this charge and request an investigation into this matter. I request that you correct this credit reporting error promptly. 
Please investigate this matter and if you find that the charge was made in error, I expect a prompt correction, including a refund or adjustment to my account.
Product: Credit reporting or other personal consumer reports

My credit report was pulled on the XXXX XXXX XXXX  and XXXX points were removed from my credit score and I didnt open any account or didnt know anything about the bank. I called the phone number on the account that pulled my credit and put injured on my account but they didnt say anything and up to now the account is on my credit report.
Product: Debt collection

I am receiving letters for debt that I do not believe I owe?
Product: Credit reporting, credit repair services, or other personal consumer reports

I Sent my Dispute off on XX/XX/2022. I told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below. .According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate ACCOUNTS LISTED BELOW 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 recieve calls over 10yrs now for a XXXX XXXX  for the number XXXX. She uses a postbox. It hasnt been her number & I'm sick of fighting these people.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year I told consumerinfo.com that I did not want or order their services. They refused my request to terminate their unwanted services so I terminated my Experian account to get rid of them. I restarted me Experian account to basic and all of the sudden I got an alert from my XXXX XXXX account that consumer info.com charges my XXXX XXXX card AGAIN on XX/XX/2022 without my authorization of knowledge. I dont want anything to do with consumer info.com or any of their affiliates. I have tried to contact them in which they put me on endless hold times and I also contacted XXXX XXXX who reimbursed my account and they blocked consumer info.com from all of my accounts. Hence, this is the reason for my formal complaint with this aggressive, bottom feeding and predatory company. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I sued XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ), in Federal Court for reporting false, and duplicate information to the credit reporting agencies, and then refusing to take the information off my credit reports, after the issue was brought to their attention ( violations of the FCRA & FDCPA ). In XXXX, XXXX paid a substantial settlement to me in order to settle the lawsuit. The debt was a 2nd mortgage on my property. 

My complaint today is because I have since been made aware that XXXX violated the terms of the settlement agreement that they signed with me and are in breach of the contract, as our Settlement Agreement and Mutual Release ( SA ) specifically states and promises that I would be release " of all claims whatsoever '' ( item # 4 in the contract ) as a result of the agreement. However, I later learned that they sold the 2nd Lien rights to Veripro Solutions Inc. ( I am filing a complaint against them as well ). The 2nd lien they sold to Veripro is a " claim '' by definition, and was the only security they held against my property, therefore, XXXX is in violation of our SA. 

I am currently trying to refinance my house, however, Veripro has stated that the will not provide a lien release on the 2nd lien that XXXX sold them, until they are paid {$35000.00}. I have now suffered damages, as my lender is unable to secure a lien release. XXXX was unable to respond to a recent Validation request yet is demanding $ XXXX for the lien that XXXX had already promised to release me from.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. There were inquiries fraudulently made to my personal credit. Names of the companies and dates of them are listed below. I have sent in proof to the credit bureaus but they refused to have these removed. They are breaking the credit law. Please have this resolved with the credit bureaus immediately by having them remove these inquiries immediately off my credit! 

XXXX ) XXXX XXXX  - XX/XX/year> XXXX ) XXXX XXXX  - XX/XX/year> XXXX ) XXXX XXXX  - XX/XX/year> XXXX ) XXXX XXXX  - XX/XX/year>
Product: Credit reporting or other personal consumer reports

Recently i did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below.

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft.

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am victim of identity theft as a result of a previous illness. I have contacted Transunion 14 times to date to please correct the errors. Transunion has failed to provide any verified documents so that I may assist law enforcement in remedying this problem. They have also stated that they did not receive my 2 previous requests but I show successful certified mail delivered on XX/XX/2020. Have attached the tracking information as proof!
Product: Credit card

Apparently I am the victim of identity theft. 
Someone made approximate {$8000.00} worth of charges on my card. 
This happened between XXXX and XX/XX/2022. 
I was told to continue making the minimum payment that I originally was paying while they ( Citibank ) investigated. 
Over one year has gone by and nothing has been done. But Citibank has reported this to the credit bureau.my minimum bill is over {$3500.00} dollars. What regular person can make a minimum payment like this.
Product: Debt collection

I am receiving threatening and harassing telephone calls of XXXX threats from representatives from Cash Central. I am a victim of identity theft and my personal information was used and compromised by someone else, who applied for a payday loan from Cash Central. I have never applied for a payday loan from Cash Central.
Product: Credit reporting

I went to try to get a car loan and when they came back to tell me there is a credit company that said it is still going on since 2010. This is the bankruptcy courts which i never went through with the bankruptcy. This should say dismissed since i did not go through with it. I called the attorney XXXX XXXX in XXXX and nothing was done. I paid them and never got my money back cause i was going to go through with it but when he told me it would cost more we did not go though with the bankruptcy. I called the Federal building in XXXX XXXX, Pa and they told me they can not do anything yet i was on my credit report
Product: Debt collection

XX/XX/XXXX was my settlement date for {$2800.00}. Between XX/XX/2022 and XX/XX/XXXX I spoke with a representative of XXXX XXXX about extending the timeframe of my settlement date because I had not recieved my taxes. The representative stated that since there had been a lot of tax issues this year that it would be okay as long as I continued to make my monthly payments. I stated to the representative that I would up my monthly payments to {$200.00} a month instead of {$100.00}. The representative AGREED and stated that when my taxes deposit to give a call back ( these calls are recorded and I would like them listened to ). As you can see here in these documents I continued making my monthly payments until the month of XXXX. XX/XX/2022 I called to make my usual monthly payment and was told I my account was locked due to a new law that was put in placed. I was advised to call the week after to resume payment. I called multiple times until I got a XXXX XXXX who explained to me that Ally Financial had placed a hold on my payments because they were not satisfied with the settlement amount. She stated that none of this was my fault and that I would gain no extra interest charges and would still be able to continue the same monthly payments. She stated that she would contact me with further assistance once they had everything taken care of and that my balance was down to XXXX dollars. In XXXX, XXXX  I recieved a call from XXXX XXXX XXXX, saying that I was deliquent on my payment since XX/XX/2022 and that I owed XXXX dollars. I stopped them and explained to them what had happened and told them that I have a settlement contract and they said thats something they cant uphold. I contacted Ally Financial and they stated how they took my debt and gave it to another creditor because they didnt like the settlement amount. When I asked to speak with a manager and be mailed the breakdown of what my car was sold for I was constantly transferred and hung up on. 

Ally also stated that I did not comply with the terms of the settlement. When infact I was given the okay by XXXX for a date extension. ( Which is stated in a recorded phone call ).
Product: Debt collection

This debt is not my debt my account was subjected to identity theft/ forgery.