23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have filed multiple complaint against company Portfolio Recovery in the past few months. The first was a request to validate three alleged debts they are claiming I owe. Pursuant to 15 USC 1692G, Portfolio has to provide 5 parts when a consumer request a validation. The company only satisfied only two of those requirements. Second, I sent the company a letter asking them to delete these inaccurate, fraudulent and frivolous negative items off of my consumer reports because they are all canceled debts that was reported to IRS, these charge offs reporting on my consumer reports are illegal. The company is in violation of the many law under the FDCPA. This company knows that they are in violation but continues to break the law. Something has to be done to protect consumers from vicious collection agencies like Portfolio Recovery. They are ruining consumers lives in their way of practice. This company has not provide all that is required as per the law to validate these alleged debts, they are committing tax fraud for trying to collect for canceled debts, they are did not respect my cease and desist request by continuing to report these alleged debts on my consumer reports.
Product: Mortgage

I applied was trying to refinance my existing mortgage because the agent told me that I would be able to get enough money back to put a new roof on my house. I went through all the paperwork. The agent told me I would have to get a home inspection that they would arrange but I would have to pay for it. Which I did, it cost {$500.00}. Once the inspection was completed the agent then told me I would not qualify for the refinance. I questioned why they would let me get this far into the process and pay for the home inspection if they new I would not be able to get out of the home the amount of money needed for the new roof. The communication was cut off between the agent I was talking with and a new person was now talking to me. Which this indicated in my opinion they knew he screwed up. I requested to be reimbursed for the {$500.00} I wasted on the home inspection and they never responded to me again.
Product: Mortgage

Dear XXXX XXXX, I am reaching out to you in hopes that you will hear my concerns, provide me with some assistance or direct me in the right direction. 

Recently, I completed a pre-qualifying mortgage application XXXX. I used the company 's in-house mortgage broker DHI XXXX, which is a subsidiary XXXX. The amount I requested to finance was in the sum of {$210.00} dollars. After a review of my credit, I was told I did not qualify for any of the FHA Home Advantage Programs, which would provide downpayment assistance, closing costs and credits towards mortgage insurance. I was told by DHI Mortgage that my income debt to ratio was to high, specifically with regards to my student loan debt. 

I have a credit score between XXXX and XXXX depending on the credit reporting agency that is reporting. In 26 years, I have never missed a payment or have had a delinquency reported XXXX. My credit history clearly demonstrates that I am credit worthy individual. 

The following is some background information. When my credit file was reviewed by DHI Mortgage XXXX my student loan payment was reporting {$1200.00} dollars a month, which was totally inaccurate. My payment will NEVER be calculated anywhere close to that amount being a teacher in a public school system. I contacted my loan servicer and the payment was recalculated at {$330.00}, which is 15 percent of maximum amount of discretionary income. The payment will be adjusted again in XXXX 2015 under new provisions to the Health Care and Education Reconciliation Act ( HCERA ). The new adjusted monthly payment will be approximately {$230.00} dollars, which falls under the maximum limit set fourth by HCERA of 10 percent of discretionary income. Furthermore, I am a public servant who is enrolled in the XXXX Loan Forgiveness program. After XXXX qualifying payments my federal student loans will be discharged. Is any of this information factored in? 

None of this makes any sense to me. My current apartment lease cost me {$1600.00} + a month. Now, had I meet the " guidelines '' according to DHI Mortgage my monthly mortgage payment would have been {$1200.00} dollars. This would have included taxes, mortgage insurance and homeowner association fees. 

Something is very wrong here. My goal is to get a better understanding. I am very concerned about how my credit information was evaluated for programs under the Washington State XXXX and the Federal Government. I have included a couple of links below for reference points as well as XXXX attachments. 


https : XXXX : XXXX : //www.forgetstudentloandebt.com/student-loan-relief-programs/federal-student-loan-relief/federal-forgiveness-programs/president-obamas-student-loan-forgiveness-program/I appreciate you taking the time to review my concerns. 


Respectfully, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have credit card statements, bank statements, and other evidence I need to include and dispute with XXXXXXXX XXXX XXXXXXXX, and other credit card companies I need to add to my reports at XXXX, Experion, and XXXX. I have more than half of payments not recorded by these banks and these credit reporting companies are protecting them by not allowing me to submit my proof! 
My comments are not being allowed to publish, the so called XXXX Alerts are bogus. 

I want the ability to DISPUTE THESE LIES ABOUT ME RUINING MY LIFE! 

I'm able to upload only a few of the many I found!
Product: Vehicle loan or lease

I am repeatedly receiving phone calls that are not going to an actual agent. The calls are silent. 

The calls are daily and several times. There's no one on the other side, just silence. The calls have become VERY intrusive. 

I have attempted to speak with the billing department to discuss my payments. I have explained in unemployed due to COVID and need different payment arrangements. 

They refuse to take partial payments as I receive unemployment payments. I have attempted to receive assistance from someone at a branch with no success.
Product: Credit card

While reviewing my bank statement on XX/XX/2023, I discovered that XXXX XXXX XXXX used the Home Depot credit card to buy gift cards and items not utilized in the project without my authorization. 

XXXX XXXX did nothing correctly at the house and didn't repair things. I am providing evidence such as an inspection report made by an inspector with letterhead and an inspection letter explaining in detail line by line that the XXXX did not do or finish anything, or any other documentation supporting my claim. 

The only items that were utilized were the ones ordered online and picked up by XXXX XXXX. These orders are order # XXXX, # XXXX, # XXXX, # XXXX, ORDER # XXXX He spent {$1600.00} on items and gift cards that were not utilized at the project since he did not repair or do anything. I reached out and initiated a dispute for these charges and Home Depot Credit Card support said that the expense was on me since I was the one that gave him the credit card to use. I explained to them that I was a victim of a scam and unlawful business that did not deliver the service and I was willing to provide evidence that supported my claim but they did not provide any flexibility for me to present my documents and support the dispute. I told them that I thought they offered consumer protection under regulation E since I was tricked and induced to pay for material or services that were not delivered still they did not reimburse the {$1600.00} funds. 

XXXX XXXX has criminal records I found out everything after the facts and it is very unfair for XXXX XXXX not to give the chance to support my dispute by showing them public record that shows this XXXX has a criminal record for fencing and stealing.
Product: Debt collection

I am completely unaware of this debt you are attempting to collect. Proper notification was never provided to me, therefore I did not have a chance to dispute or address this alleged debt. Unless you can furnish proof that I was duly notified via certified mail with my signature confirming receipt, I must dispute the validity of this debt. Please supply the certified mail documentation containing my signature, or this debt will be considered unverified and disputed until you provide the required evidence that I was properly notified per regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax multiple times and they continue to blatantly disregard my rights as a consumer by law. On XX/XX/XXXX, I mailed a dispute to Equifax in regards to an account listed on my credit report as XXXX XXXX with an account number of # XXXX. I have no knowledge of this account and I have requested MULTIPLE times from Equifax, to please send me documentation confirming that the account they are reporting under my social security number is accurate and belongs to me, however all I continue to receive are " Updated '' and " We verified this item belongs to you '' automated letters, and I am highly frustrated with this illegal reporting. I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey. I have been disputing this account for many months. I have also disputed this account due to inaccuracies that I have noticed with Equifax and another bureau that this account is being reported to. Again, I have not received any verification of this account, and in addition to that, Equifax was reporting an open date of XX/XX/XXXX however XXXX was reporting an open date of XX/XX/XXXX. As you know, this is not allowed under my rights and also a clear indication that this information was NOT properly verified upon you receiving it. If this is the same account, how is the supposed verified information listed on my credit profiles different from one another? This is not possible and because of this inconsistency, please delete the following account from my credit profile immediately as I have REQUESTED MULTIPLE TIMES. I asked that this account be DELETED, not " updated '' or " verified. '' This is a blatant disregard of my rights as a consumer and this is my last step before contacting the XXXX XXXX XXXX Federal Trade Commission, and my Attorney General. I sent a follow up dispute letter last month in XXXX and received the same response.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1681 Section 602 A states the right to privacy.

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. 


Hard inquiry XXXX XXXX hard inquiry XXXX XXXX HARD INQUIRY XXXX XXXXXXXX XXXX XXXXXXXX HARD INQUIRY XXXX XXXX HARD INQUIRY XXXX XXXX Account XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained a cop of my credit report and noticed unauthorized inquiries i immediately called the three reporting agencies they all gave me the run around even going as far as saying i was lying and implying it was me i wrote letters to all three bureaus ( XX/XX/2018 ) only to not get a response and i still call to no avail at this point im just tired of being on hold for some rude person having a bad day to question about calling in.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 Experian deleted 2 Public Records ( Bankruptcies ), from off of my Credit Report due to inaccuracies. However, on XX/XX/2019 Experian turned right around and placed the 2 DELETED Public Records ( Bankruptcies ), that they previously DELETED off of my Experian Credit Report, on XX/XX/2019 back on my Credit Report. Which caused a major drop in my Credit Score. I am asking that the 2 Public Records ( Bankruptcies ) be DELETED OFF of my Credit Report IMMEDIATELY! 

I am requesting the same request, from XXXX as well. XXXX  did the same exact thing. They DELETED the 2 Public Records ( Bankruptcies ) off of my XXXX  Credit Report, but put the 2 Public Records ( Bankruptcies ) back on my Credit Report. I am asking that the 2 Public Records ( Bankruptcies ) be DELETED OFF of my Credit Report IMMEDIATELY! 

XXXX has removed both of the Public Records ( Bankruptcies ), from my XXXX   Credit Report, due to inaccuracies. Thank you XXXX. 

Experian and XXXX has caused a great ordeal of pain to me, as well as to my Credit Score. So, Im asking for both Credit Agencies to remove the 2 Public Records ( Bankruptcies ), from my Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX XXXX According with the fair Credit Reporting act XXXX  Account number ending in # XXXX has violated my rights. 


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

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



Sincerely, XXXX XXXX XXXX : XX/XX/1990
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed with TransUnion and XXXX, and the Department of Veterans Affairs directly on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, because my account with the Department of Veterans Affairs has been illegally re-aged from XX/XX/XXXX to XX/XX/XXXX on Transunion and XX/XX/XXXX on XXXX. I know this because the Date Last Active has been changed from the original date my account was closed in XXXX to a newer date in XXXX, which means the furnisher and the credit reporting agencies are reporting old debt as new. This is a violation of the Fair Credit Reporting Act. 

Even after my four letters of disputes were sent to the credit reporting agencies and the Department of Veterans Affairs, they continue to respond back to me stating the account was verified as accurate. I did some research on the FCRA and I know this is a violation of my consumer rights and I know the Credit reporting agencies and furnishers are required to report only complete and accurate information, so how are they able to report old debt as new?
Product: Credit reporting or other personal consumer reports

What happened ( statement of pertinent facts ) : Consumer Name : XXXX XXXX XXXX Consumer Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Consumer Phone : XXXX Contents of Complaint : This CFPB complaint has been filed to request, pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ), that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of the following : XXXX. XXXX XXXX XXXX  Account Number : XXXX, Balance : {$530.00}, Original Creditor XXXX XXXX XXXX XXXX  Reported : XX/XX/year>. 
XXXX XXXX XXXX XXXX Account Number : XXXX, Balance : {$220.00}, Original CreditoXXXX XXXX XXXX Reported : XX/XX/year>. 
XXXX. XXXX XXXX XXXX Account Number : XXXX, Balance : {$580.00}, Original Creditor : XXXX XXXX XXXX  XXXX, Reported : XX/XX/year>. 
XXXX. XXXX XXXX XXXX Account Number : XXXX, Balance : {$200.00}, Original Creditor XXXX XXXX XXXX XXXX Reported : XX/XX/year>. 
XXXXXXXX XXXX XXXX XXXX Account Number : XXXX, Balance : {$1200.00}, Original Creditor : XXXX XXXX XXXX, Reported : XX/XX/year>. 

These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer XXXX credit report. I have attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 

I have attached a copy of the FTC Identity Theft Criminal Complaint XXXX  XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I received a notice of a inquiry on my credit report on XX/XX/year> from navy federal credit union that i did not authorize i would like it removed.
Product: Debt collection

The debt from Capital One for XXXX XXXX XXXX have been paid as of XXXX XXXX The amounts listed are incorrect as they were paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I sent a letter to AES/XXXX regarding late payments that were showing up on my credit report. I was never late on the account, and I asked if they could remove the late payments as a one time " goodwill ''. They responded with a letter saying that they did not report any delinquent information. I have attached this letter. 

I forwarded this letter as well as a copy of my credit report to each of the three bureaus, demanding that the account status be updated, and I have not heard back yet from any of the bureaus. I have attached a copy of my complete 3-bureau reports where it is inaccurately reporting. 

I sent an investigation letter to AES/XXXX, and they are saying that it is reporting accurately. I have attached that also.
Product: Bank account or service

I am a victim of Identity Theft. Someone opened an account with several banks and organizations. I have been working with XXXX to fix these issues, most all companies have taken care of the Theft my removing the account and fixing it with the credit bureaus. the exception to this is Sallie Mae. I contacted Sallie Mae with XXXX and they were extremely unhelpful. After several calls we finally go the information we needed to work on fixing it with them. So I mailed all the information they asked for ( Police Report, Letter Statement, and several other forms ) this has been over 30 days now and no responses from them.
Product: Credit reporting

Incorrect information, such as mortgages, auto loans, etc, that I never had.
Product: Mortgage

Unfortunately, none of the boxes on the previous page matched my particular situation. Here it is : In XXXX of XXXX I bought my first home. I did my due diligence during the home purchase and hired all of the required " professionals '' throughout the process including an inspector, appraiser, and title company. I also looked up the home on the county tax assessor website to ensure that the local government had the home listed in its current state. Nonetheless, shortly after purchasing the home I received a violation from the city stating that my house was in violation as there was an " illegal unit. '' Now the city is telling me that a large portion of my home was built without permits and is therefore illegal. Furthermore, that I must bring it up to code or tear it down which would turn my 5 bedroom 2 bath home into a 2/1 and would financially ruin me. 

I have been working to resolve this situation but simply can not afford to do so. What 's more, I find it difficult to comprehend how a consumer like myself can be legally responsible despite having gone through all of the appropriate steps in the home buying process including going through an FHA approved lender and utilizing an FHA approved appraiser. 

I am a public school teacher and this situation has the potential to financially devastate me due to no fault of my own as a consumer. 

Thank you.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Ditech XXXX XXXX XXXX, XXXX XXXX Dear Sir or Madam : I am writing to dispute the following information in my file. I never made a late payment on XXXX, I never paid a late fees. 
On XXXX XXXX the payment of my house went up. I sent my payment for {$1600.00} this payment was short for {$120.00}, instead for {$1800.00} I am requesting that the LATE PAYMENT be removed from XXXX and XXXX credit report. 
Enclosed is a copy of payment record from my bank, supporting my position. 
Please reinvestigate this matter and delete or correct the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : Payment records from XXXX XXXX. 
My Payments Print Date Range Is XXXX XXXX, XXXX - XXXX XXXX, XXXX Change Total : {$28000.00} Send Paid to Amou On nt Status/ Paid Type Cate Conf. # from XXXX XXXX XXXX DITECH XXXX XXXX DITECH XXXX XXXX DITECH XXXX XXXX DITECH XXXX XXXX DITECH XXXX XXXX DITECH XXXX XXXX DITECH XXXX XXXX DITECH XXXX XXXX DITECH XXXX XXXX DITECH XXXX {$1800.00}. Complete XXXX {$1800.00}. Canceled XXXX {$1800.00}. Complete XXXX {$1800.00}. Canceled XXXX {$120.00} Complete XXXX {$1600.00}. Complete XXXX {$1600.00}. Complete XXXX {$1600.00}. Complete XXXX XXXX XXXX {$1600.00}. Complete XXXX XXXX XXXX {$1600.00}. Complete XXXX XXXX XXXX {$1500.00}. Complete XXXX XXXX XXXX XXXX XXXX None XXXX XXXX XXXX XXXX None XXXX XXXX XXXX XXXX None XXXX XXXX XXXX XXXX None XXXX XXXX XXXX XXXX None XXXX XXXX XXXX XXXX None XXXX XXXX XXXX XXXX None XXXX XXXX XXXX XXXX None XXXX XXXX XXXX XXXX None XXXX XXXX XXXX XXXX None XXXX XXXX DITECH None XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DITECH XXXX XXXX DITECH XXXX XXXX DITECH XXXX XXXX DITECH XXXX XXXX DITECH XXXX XXXX DITECH XXXX XXXX DITECH XXXX DITECH XXXX XXXX DITECH XXXX XXXX XXXX DITECH XXXX {$1600.00} . Complete XXXX XXXX XXXX {$1600.00}. Complete XXXX XXXX XXXX {$1500.00}. Complete XXXX XXXX XXXX {$1500.00}. Cleared XXXX XXXX XXXX {$1500.00}. Cleared XXXX XXXX Z {$1500.00}. Complete XXXX XXXX XXXX {$1600.00}. Canceled XXXX XXXX XXXX {$1500.00}. Complete XXXX XXXX {$1500.00}. Canceled XXXX XXXX {$1600.00}. Canceled XXXX XXXX XXXX XXXX XXXX XXXX XXXX None XXXX XXXX XXXX XXXX None XXXX XXXX XXXX XXXX None XXXX None XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None XXXX None XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX According to my recent credit report request from XXXX, Experian, XXXX  there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA Date Opened : DATE XX/XX/2014 I don't have contractual relationship with this company. I don't recognize this Public Record. Please provide me the name and address of the original creditor.. Reference Number XXXX Please correct and update it from my credit report. It is completely a violation in accordance with the FCRA that sates : the ACCOUNT MUST BE COMPLETE, ACCURATE AND VERIFIABLE. Please remove it from my credit In Mississippi, Contracts, oral or written, and Promissory Notes have a statute of limitations of 3 years ( MCA XXXX, XXXX, and XXXX ). Please Follow the Law Of The State of Mississippi