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

According to the FDCPA you must validate a debt to a debtor if the debtor responds to your primary notice within a matter of days. Under the FDCPA and according to recent findings with the Federal Trade Commission, you must send valid proof of this debt and a printout of records is not valid. See FTC.gov staff attorney opinion findings for details. Please dont send back a print out. The proof requested is as follows : Please know that everything must match Date you purchased debt Amount you paid for said debt Original Date of Charge Off Date of last payment/activity if any Creditors full name and address All records pertaining to actual debt to prove validity. 
I have put you on notice then I reserve the right to file a suit against you for FDCPA violations in my courts venue. You will have to travel to defend yourself in that scenario. Please also be advised that this request is an official validation of debt request and not a verification of address request. Proper proof of said debt is required. Please understand as well that under the FCRA any furnisher of information must put the account rating on hold while the debt is being investigated. Continuing to report this disputed debt to my credit reports is a FCRA violation also open to damages collected from you. 
Awaiting your reply in a timely manner. 
Sincerely, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1975 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX
Product: Checking or savings account

XX/XX/year> at XXXX I received notification that {$350.00} was processed through XXXX  to a recipient named " XXXX '' I contacted XXXX and put in a dispute but was also told they can not guarantee my funds being given back. I called MoneyLion to put in a dispute and they told me I had to wait until it cleared on my end. A day later I called and they said I had to wait until it cleared on their end before a dispute could be filed after 7 day hold. They money is gone. I have XXXX access to it and neither company is attempting to help me get a resolution to this. They keep giving excuse after excuse and XXXX information on how to go about solving it.
Product: Student loan

I consolidated my loans with Fedloan Servicing and the monthly payments are too high. I have repeatedly contacted them about the issue and submitted documentation/request for a lower payment plan but have received no response from loan servicer. I am attempting to pay what I can afford monthly but since they have not responded to my request for a lower payment my account is delinquent.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found a a late payment for the following date : XX/XX/2017 I am not sure how this happened. I believed that I had made my payment to you when I received my statement. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, As you can see on the attached documents you have wrong and inconsistent information on my credit report. Two separate report from the same company with two different information. As you can see in the attachments this XXXX # XXXX is showing in one report but not the other. This account was closed in XXXXXXXX XXXX XXXX first date of delinquency was XX/XX/ XXXX You have this account as closed and XXXX off starting XXXXXXXX XXXX XXXX. This account should have fallen off of my report just like in the other two bureaus. Please update and fix all information. This account doesn't show up on the Equafax credit report but it is showing up on my FICO credit report.
Product: Mortgage

I have been approved for a trial modification from Bayview Loans Servicing and I made my first payment on XXXX/XXXX/2015. They took the payment via the phone using my checking account information. I understood that any foreclosure action would be halted once I was on a modification track..however, I just found a notice from a sheriff 's deputy on my gate indicating that Bayview Loans was trying to serve me with papers pursuing a foreclosure suit. This process service attempt is dated XXXX/XXXX/2015, eleven days after my first trial modification payment to Bayview Loans Servicing.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you 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, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 Balance Owed : {$2200.00} XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXXXX/XX/year>
Product: Debt collection

I requested for " Detail of the sale dollar transaction as it has been reported to US Department of Housing and Urban Development '' following FHA reporting guidelines.

This is referred to as Final Settlement Statement ( i.e. HUD-1 and/or HUD form XXXX  ) where the detail breakdown of funds distributed is disclosed with transparency to HUD, an official Government Agency. I requested this in my original complaint filed with CFPB but to no avail from Shellpoint Mortgage servicing.

The response provided by Shellpoint Mortgage Servicing is " This is a Conventional Loan. '' The Servicer simply sent a report of their internal accounting but that's not an official HUD/FHA disclosure.
Product: Checking or savings account

My problem initially began around XXXX time of Last year, XXXX  when I deposited a Cashiers Check made out to my XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX into my business checking account. As a veteran of the military, Id been a member of navy federal Credit Union for over 7 years. I called the bank and asked for guidance on how to go about depositing a larger amount of money into the account due to the fact that NFCU doesnt have many branch locations nationwide. I was walked through the exact process with a representative and completed the deposit. I was told the time would be about 10 days before I could have access to my funds just as a standard processing time. About 3 days into the process before the funds cleared I was contacted by a NFCU rep. The rep asked multiple questions concerning the origin of the money. I answered the questions very specifically and asked was there something wrong or to be concerned about. The bank advised me that I had no reason to worry and this was standard for a large deposit. I received about 2-3 follow up calls from different reps asking me the same question but they all said that I had nothing to worry about and my check hadnt bounced or been returned unpaid. I gave the bank the benefit of the doubt but I was alarmed at their suspicious behavior. After about 10 days, my funds clear as expected and seemed to be normal day of business. About 2 days after, my entire account access for both my business and consumer accounts were frozen. When I inquired about why my accounts were frozen I was completely stonewalled and treated like a criminal. I was ONLY told that some source outside of my actual Institution had claimed my money to be paid out in an error of some sort which Im stating for the record is absolutely false. I demanded proof of any documents the bank had but I was not provided anything. As a consumer and member of the bank I am supposed to have rights and protections and the bank refused to honor the law or my membership benefits. The bank stole nearly {$700000.00} from me and closed my lines of credit leaving me with personal and business debt and shuttering my business in the process. This ruined my consumer credit rating and also my business and its employees. They closed my account and said that I could not receive my money or anything in my account. Their actions violated Banking laws and the Uniform Commercial Code.
Product: Credit reporting or other personal consumer reports

I called the creditor ( XXXX ) about false reporting late payment on XX/XX/year>. XXXX XXXX confirmed that the report was in fact incorrect and was already removed on XX/XX/XXXX of the same year. 
The late payment was still showing on my credit report so i contacted the bureau to get this fixed and didn't. They keep reporting incorrect violating my rigths. 

I looked at my report back on XX/XX/XXXX, and noticed the late payment is still there. And according to the fair credit reporting act 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. These account [ XXXX XXXX XXXX XXXX are not complete and accurate. 

I called asking them to make sure everything is complete and accurate They sent me investigation back and said everything is complete and accurate but s everything is not complete and accurate And according to 15 USC 1681i 5 they are suppose to do this ( 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 ( 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. 

And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

when we bought our house last year, we volunteered to sign up for an impound account so that we would n't miss a payment. Our mortgage servicer, Select Portfolio Servicing in XXXX XXXX XXXX, Utah, takes our money for property taxes, and then refuses to pay them. They have had XXXX opportunities to pay on time, and have failed all XXXX times. Last year, we faced XXXX dollars in fines because of them. This year, i 'm lucky i caught it on time, because they XXXX yet again. This is nonperformance of our mortagage service agreement, and they need to sell our loan to a competent servicer. This is ridiculous.
Product: Credit reporting or other personal consumer reports

Credit inquiries on my credit report that I don't recognize. It wasn't authorized by me. 
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 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 XXXXXX/XX/XXXX
Product: Credit card or prepaid card

Sent a single notice that my account would be closed via email. No paper communication, no continued communication. 

Closed a card that was in good standing for years. After contacting them less than a week later they refused to reopen the card. 

I will never be a Capital One customer again.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I were victims of fraud committed by XXXX XXXX XXXX. I had approximately twenty accounts go into collections because of them. They charge us a fee and made a promise to help us with a debt consolidation. They did not do anything and because of that, I fell into a lot of bad debt. I tried fixing the accounts but they just wanted part or all of the money that was owed. It was too much and so I only fixed what I could and the rest went into collections. I have been paying collection agencies and making settlements but they have not updated the credit reports. I see a lot of negative remarks that are not suppose to be there. Before XXXX XXXX XXXX my accounts were in good standings and global client solutions ruined my credit. I need it fixed or eliminated. The accounts that I already paid should be erased, I did not recklessly do this, the company that I trusted to do a job ruined me and my wife. I need to know what to do or how you all can help me. Like I said, the accounts have payment arrangements but they are not getting updated in the three credit bureaus. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion, and XXXX are showing two accts of mine being delinquent. Both Accts are paid in full and aren't late, they were never late. This has gone on for far too long. I have reach out to the bureaus numerous of time with letters and phone calls. And I never gave them written consent to report my credit. This is hurting my credit.
Product: Credit reporting or other personal consumer reports

I do not recognize these credit inquiries, and I've asked them to be removed, but the bureaus did not do anything. Please remove the credit inquiries because they are inaccurate and not mine. Thank you. 
These were not authorized. 
XXXX XXXX XXXX - Dated : XX/XX/XXXXXXXX XXXX XXXX - Dated : XX/XX/XXXXXXXX XXXX - Dated : XX/XX/XXXXXXXX XXXX XXXX XXXX via XXXX XXXX  - Dated : XX/XX/XXXXXXXX XXXX XXXX XXXX  via XXXX Dated XX/XX/XXXXXXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX Dated : XX/XX/XXXXXXXX XXXX CREDIT BUREAU XXXX XXXX Dated : XX/XX/XXXX, XX/XX/XXXX
Product: Consumer Loan

Nationwide Cassel lending has not sent me a monthly statement for my vehicle loan. They are refusing to repo the vehicle and allow me to pay what is left. I have tried to settle on this account. My " high balance '' is {$19000.00} and I owe {$12000.00}. I offered to settle on the loan for {$6000.00} ( my employer has been trying to work with them ) they refused and wanted {$9000.00}. If is settle for the {$9000.00} then I am paying back more than what I borrowed. Also, the lender has told my employer " I would NEVER be able to pay this loan off even if I make the payments and catch up the loan '' I feel they do not want the vehicle because it is not worth at all what they charged me, they have no intentions in resolving the debt because they are loan sharks. They just want the interest. 
My employer has tried several ways to pay this debt, settle the debt and find a resolution. 
I do not feel this is legal, I just want to resolve this debt. Not be bullied and harassed into a high interest loan. 
Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Foremost, XXXX XXXXXXXX is in violation of 20 U.S. Code 1232 G. It is illegal to report any transactional history including balances, negative remarks and late payments. I am requesting a date of paid as agreed. Furthermore, it my understanding this indebtedness is considered a Certificate of IXXXX and was charged off and/or paid in full in XXXX. Due to this being considered income, this charged off account should be paid in full and closed from all credit reporting agencies under 15 U.S. Code 1681. Also, interest made from Treasury coupons should be credited to the account. Please consider this, your opportunity, in good faith, to correct. Per the Family & Educational Privacy Act of 1974, under 5 U.S. Code 552, XXXX  XXXX is in violation. I did not knowingly consent to my information be sold or given to any third party companies including Experian, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, etc. As previously stated, it is illegal to report transactional history, per XXXX0 USC 1232 G under 34 CFR 99. Per 15 U.S. Code 1681, the companies are lawfully not allowed to report this information without my consent. Per the FRCA, as a federally protected consumer, I am opting out of any and all authorization, I the consumer, may have given said companies to any include written, unwritten, verbal, non-verbal consent, to use, purchase, or report this information, indefinitely, per 15 U.S. Code 6802 under 34 CFR 685.215. Also note, 16 CFR 313.7
Product: Debt collection

I reached to Bank of America, a few times to let them know that they sold the account to a collections agency. Despite, me paying the monthly balance with XXXX XXXX  of this card it is still being negatively reflected on my credit report with Bank Of America. Attached is a copy of the debt on my Credit Report.
Product: Credit reporting or other personal consumer reports

These accounts balances are incorrect on my credit report I was never given the contracts or itemized billing statements showing how these accounts balances were made, they also added late payments dates and fees to these accounts after they were closed, how can one be late with fees when an account is closed the date of account closed have been updated as no information given on my credit after I contacted them asking about this same problem. XXXX XXXX XXXX Account # XXXX is also a charged off account that I never received my 1099 as law states mt to receive. How can they come after me for a debt that has been paid in full already due to charge off. As for the XXXX Account # XXXX account this was sold to a third party without my knowledge or permission giving my personal information out without my written content also this is still showing as an owed debt with this company when it should be removed if from my credit reports if they have been paid for this debt already due to charge off to third party. In According with the Fair Credit Reporting Act the following companies previously listed above has violated my rights. 15 USC 1681-602A states I have right to privacy. 15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

On or about XXXX through XX/XX/2019, I filed a complaint to the CFPB, XXXX  and Theft identity about an unknown debt from XXXX  XXXX, LVNV Funding, under the name of Resurgent Capital Services. This company replied back to CFPB and the XXXX  stating that I was not responsible for this debt. This debt was taken off of my credit report. I reviewed my credit report under XXXX  and this debt is again on my credit report but under the name of XXXX XXXX XXXX XXXX. I am also getting repeated calls from this company. It appears to me that once the new Company, XXXX XXXX XXXX XXXX, bought out this debt from Resurgent Capital Services, that they are reopening this case. I have letters from Resurgent to both the CFPB and XXXX  stating the XXXX XXXX is not the responsible on this account. I want the calls to stop and this off of my credit reports.
Product: Debt collection

Re : Dispute of Reinserted Account Request for Immediate Removal Dear Transunion I am writing to dispute the reinsertion of a negative account on my credit report, which had previously been removed. The account in question is XXXX The account was removed from my credit report confirmed by your bureau. However, I have recently discovered that this account has been reinserted into my credit report without my consent. prior credit report showing the account was not listed. 
Furthermore, I did not receive the required notification at least 5 days before this account was reinserted, as mandated by 15 USC 1681i. This lack of proper notification is a violation of the Fair Credit Reporting Act ( FCRA ). 
Given these circumstances, I request the immediate removal of this account from my credit report. 
Please confirm in writing once this account has been removed from my credit report. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries on my credit report. 

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 XXXXXX/XX/XXXX
Product: Checking or savings account

I received a letter from Citi bank ( image of letter is attached to this complaint ) Stating the they were pleased to tell me that my " provisionL credit will be permanent " I never received any form of pay or added funds, less any provisional credit and now the dispute being resolved and closed and in my favor, THEY NEVER ADDED THE FUNDS to my account Not as a provisional credit nor now that it is resolved and closed ( DO NOT SEND ME A LETTER CLOSING MY CASE STATING SOMEONE ELSE MUST BE DOING THIS OTHER THAN MYSELF, what in the world is that!?!??! ) I AM XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2024 I recieved me and my husband 's tax refund of {$12000.00} on venmo and so I sent my husband XXXX dollar just to make sure he got it then I sent him {$4000.00} dollars then afterwards my teenage daughter asked me to send her some money and so I sent her a dollar to see if she got it then I tried to send her {$290.00} and it wouldn't go through then I tried to send her {$290.00} and it still wouldn't go through then I recieved a message in red on my account saying my account was suspended to check my email basically for further instructions and so I checked my email and it said my account was suspended for suspicious activity which I don't understand that because my account is verified and so is my husband 's and my daughter has a teen account connected to my venmo account but I called venmo and even the customer service person said that I didn't do anything wrong but that I needed to send in documentation verifying my identity inorder to unfreeze my account which I did while on the phone with the customer service agent then after he verified he recieved the photo of my state identification card front and back he said he was go send my information over to be verified but that it will take them XXXX to XXXX business days to get back to me through email inorder update me about unfreezing my account I just don't understand why do I have to wait so long to have access to my own money when I didn't violate any of venmo 's rules the people I sent money to were associated with my account my husband is my friend on venmo and my daughter has a teen account through my account on venmo I have past due rent I need to pay on top on utilities I can't wait no XXXX  days or longer I need my money now or I won't have a place to stay and no lights gas or water soon it's an emergency I have children and everytime I call to talk to someone they all keep repeating the same thing which isn't helping my situation and even through emails I have tried to talk to someone and get no reply back