23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX has not provided me with the proper documents to validate they have the right to collect on this debt nor did I received a letter about the debt before it was place on my credit report. Here are the documents I requested : 1. Proof that you either own or were assigned the debt from the creditor. 
2. Proof that you have the right to collect this debt in my state. 
3. Proof that your company carries a bond. 
4. Proof that the Statute of Limitations has not expired. 
5. Complete payment history on this account along with an accounting of all additional charges being assessed. 
6. Copy of the original contract bearing my signature. 
7. Your license numbers and Registered Agent 8. Name and address from the original creditor. 

Convergent on XX/XX/26 sent me a copy of a bill which is not a valid proof of ownership.
Product: Checking or savings account

XX/XX/2023 I began getting notices about bills not being paid on time. The bank showed that the payments were sumitted on time but one was more than 2 weeks late. 

Then on the XX/XX/2023 more bills posted late or were returned to the after the account numbers had been changed, when I contacted the bank we checked and made sure the account number were correct in which thet were. 

Then after talking to a friend that banks at the same bank he told me about a letter he received about a data breach! 

XX/XX/2023 When I went back into the bank to talk a bout the data breach and if that could be the problem, then it was turned on me that I didn't know how to pay my bills on line. I've paid my bills on line for mor than 20 years. I went back to my other bank and started paying my bills thru them and have not had any more trouble. I'm trying to get this account shut down after having {$81.00} dollars in late fees that I should not have had to pay. 
As soon as I can I will shut the account down.
Product: Credit card or prepaid card

The company, Wells Fargo, was not applying payments to the correct account. This caused an overpayment of over {$5000.00}. Over {$9000.00} in total mis applied payments. Wells Fargo is now refusing to provide interest on the money, and they want to continue to hold it while they do another 30 day investigation, after the first 14 day investigation found our missing money. Wells Fargo had no problem accepting the money, but when trying to apply it to the proper account they found difficulty. How is this the consumers problem, if they can not apply a payment, return it. 
In attempting to obtain my money and possible interest, I was met with an extremely XXXX individual XXXX, who did no research on the account and started the conversation with assumptions. 
Had XXXX read the file, he could see this had been escalated an investigation was already completed by XXXX in XXXX office. Wells Fargo had retroactively applied the missing payments and refunded interest due, as they should have. That part was handled. Even if it wasn't the same investigation that needed to be completed, XXXX failed to read account notes and treat me with dignity. XXXX attempted to make me feel like a criminal because Wells Fargo failed to apply the payment to the correct account. He went as far as suggesting I am laundering money. Completely unacceptable situation to put a consumer in for his failing to read a file. He was given the opportunity to apologize and read the file and come back to the line, but he did not think that was needed as he wanted to continue on with ignorance, claiming I am escalating the situation. 
Frankly he is the cause of this complaint, I had worked with Wells Fargo for months until this individual just went to far. 

Side note : If a " new '' 30 day investigation is required to refund my " over payment '' because I could be laundering money, why would they let me spend it on purchases?
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2018 the vehicle in question was totaled. The other drivers insurance took the blame because the vehicle was rear ended. The loan was given with GAP, and the other drivers insurance paid XXXX towards the loan with GAP supposed to pay the rest. GAP didn't pay the rest because the loan company ( SANTANDER consumer USA ) reported the wrong amount that was due for some reason. They subtracted two months of payments instead of going on the amount from the date of the accident. So GAP didn't pay the whole amount, and they put it towards us to pay ( which we shouldnt have had to because we paid for the GAP insurance ). They kept the account open for 2 years allowing the payments to accrue interest before charging it off instead of trying to make more money by making us pay instead of letting GAP take care of the payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE BE ADVISED THAT I AM A VICTIM OF ID THEFT. I AM WRITING TO REQUEST THAT YOU BLOCK THE FOLLOWING FRAUDULENT INFORMATION FROM MY CREDIT REPORT. I HAVE NO IDEA HOW THE THEFT TOOK PLACE. I ALSO HAVE NO IDEA KNOWELEGE OF ANY SUSPECTS. I DID NOT RECEIVE ANY MONEY, GOODS, OR SERVICES AS A RESULT OF THE IDENTITY THEFT.6565 According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Product: Mortgage

Bk XXXX  page 45-53 I filed in the Reg of Deeds ( XXXX County, MA ) is my Homestead dated XX/XX/XXXX and on XXXX book XXXX page 304 to protect me against wrongful foreclosure/liens is on record. I recorded this as a XXXX person and attached in this record is my Social Security statement to prove XXXX. I am now XXXX yrs old. 

TODAY- JP Morgan Chase Bank , NA has filed a New " assignment of mortgage '' as copied/pasted here from the website : XXXX XXXX XXXX JPMORGAN CHASE BANK N A XXXX bk XXXX  page 119 ASST XX/XX/XXXX XXXX XXXX XXXX XXXX I believe this Bank is trying to wrongfully foreclose on my home for this Line Of Credit. 
please see attached for my protections/rights as a XXXX person now age XXXX. 

Also! it appears that this HELOC " account '' has gone from : Chase, Mail Code XXXX, XXXX XXXX XXXX, XXXX, LA XXXX to listed on the NEW assignment JP Morgan Chase Bank, NA I have never received any communication of this action also.What is this " Bank '' trying to pull???? More fraud???
Product: Credit reporting or other personal consumer reports

I am requesting the method of verification used by Experian for disputed information on my credit report, which was previously deleted due to an identity theft report but has since been re-added. Under FCRA Sections 605B and 611 ( a ), I am entitled to detailed information on the verification process and documentation used. Despite submitting an identity theft report filed with Federal Trade Commision on XX/XX/year>, the disputed item remains on my report. I request the name, address, and telephone number of the entity contacted, a description of the verification process, documents used, and an explanation for re-adding the item. I expect compliance with FCRA laws and the removal of the disputed item if verification can not be provided.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CRED XXXX XXXX CREDT XXXX has violated my rights. 

EQUIFAX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX UNAUTHORIZED XXXX  XXXX has violated my rights. 


EXPERIAN XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CRED XXXX SXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX has violated my rights. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. 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 according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 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: Credit reporting, credit repair services, or other personal consumer reports

I have disputed multiple account working on my credit report to no avail. I do not believe a fair and accurate investigate was conducted into the accounts. I am requesting again a complete and accurate DEBT VALIDATION of the accounts. I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. I wish to receive accurate reporting of accounts, complete report with validation method and itemized report of debt due and a signed copy of debt origination with my signature. 

XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX - XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX According to the 15 USC 1681 , i have a right to privacy. Also 15 USC 6802, No financial institution is suppose to share my information with third-party people. I believe these are clear violations of my federally protected consumer rights.
Product: Debt collection

I have never received any documentation from LVNV funding, and now during a pandemic I am getting my wages garnished by them, yet I have never ever ever been served with legal paperwork. I do not even know who LVNV funding is. This is the most awful thing to ever happen to me and it's happening during a pandemic! Please Help me! Please!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I was denied the ability to open a Checking Account at my neighborhood Bank due to Early Warning reporting FALSELY that I opened and defaulted on a Checking Account. On XXXX XXXX I finally received the report. When I perused the report, I observed that someone was able to open this Checking Account using my name, social security number and birthdate. This unknown person also used an address in Kentucky, a phone number with an ( XXXX ) area code, which I XXXX  is a Texas area code, and an email that I have never used. Note that, I currently live in XXXX where I have lived since birth. I filed a Dispute with Early Warning on XXXX and, as of today I have called several times and can't get any help from them to resolve this situation. I had a Security Freeze on all three of the Credit Bureaus at the time this Fraudulent Account was open to prior knowledge of my Identity being stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am trying to get the bureaus to remove these incorrect inquiries. I am trying to purchase some property these incorrect items on my report are halting the process heavily. I am at a loss at to what to do now and have not heard back from the three credit bureaus since I first did a report. It has been over 30 days and I would like these items removed.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act and XXXX Account # 1. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Account Name XXXX XXXX Account Number : XXXX 2. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Account Name : XXXX Account Number : XXXX 3. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Account Name : XXXX Account Number : XXXX 4. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Account Name : XXXX Account Number : XXXX 5. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Account Name : XXXX XXXX XXXX  Account Number : XXXX 6. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Account Name : XXXX XXXX XXXX Account Number : XXXX 7. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Account Name : XXXX Account Number : XXXX XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Account Name : XXXX Account Number : XXXX 9. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Account Name : XXXX Account Number : XXXX 10. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Account Name : XXXX Account Number : XXXX 11. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Account Name : XXXX Account Number : XXXX ALL 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 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I need to urgently address a critical matter concerning my consumer report with EXPERIAN. Regrettably, there are accounts listed on my report that stem from identity theft. None of these accounts are connected to any transactions I authorized, and I have not gained any benefit from these reported activities. My attempts to rectify this issue have been diligently undertaken. I've submitted written correspondence to Experian, accompanied by irrefutable proof of my identity, an official identity theft report, a detailed identification of the erroneous information, and the requisite legal statement. According to the law, Experian is mandated to promptly block and completely remove these misleading accounts within a maximum of four business days from the receipt of my notice. The urgency here can not be overstated. After Experian continues to ignore the facts and the law i have tried another way to appeal to them by sending the metro 2 facts that these accounts arent even being reported properly in that regard to remove them still to no avail. Here I am now I seek the immediate rectification of this matter to prevent any further complications or implications arising from this inaccurate reporting. Your swift attention and resolution to this situation are greatly appreciated.
Product: Student loan

I made made an overpayment on one of my student loans account. instead of crediting the overpayment to my other federal loans, they just show as overpayment. i contact them, they said it will take a few days and they can then manually transfer the overpayment to my due loans. its been over a week, nothing has been done. i am still accuring interest on my loans while i have extra overpayment in my paid loans just sitting there. this is fraud practice as they just want to get interest money from me
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TransUnion credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXX XXXX Date Opened : XX/XX/2012 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX Account # : XXXX, Account name : XXXX XXXX XXXX XXXX account # XXXX, Account name : XXXX  XXXX account number : XXXX, Account name : XXXX  XXXX account number : XXXX, account name : XXXX XXXX XXXX account number : XXXX, account name : XXXX XXXX account number : XXXX, account name : XXXX XXXX XXXX account XXXX, account name : XXXX XXXX XXXX XXXX XXXXXXXX account number : XXXX, account name : US DEPT OF EDXXXX account XXXX, account name : DEPT OF EDUCATION/XXXX  account number : XXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXXXXXX XXXX Account Number : XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting or other personal consumer reports

Request the removal of the following late payments : 1 ). Ocwen Loan Acct. # XXXX closed in 2019. I no longer have this mortgage ; it was refinanced to PHH mortgage. 
2 ). PHH Mortgage XXXX  Acct. # XXXX incorrect information. Payment was restarted. late payment to be removed in good faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously sent my written request to Experian about blocking or removing all the information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these items or have Experian get back to me with regards to the issue. Here are the items that concern me : AXXXX XXXX XXXX BALANCE {$0.00} XXXXL XXXX Date of inquiry XX/XX/XXXX XXXX XXXXT XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXXI Date of inquiry XX/XX/XXXX XXXX XXXXI Date of inquiry XX/XX/XXXX XXXX XXXXI Date of inquiry XX/XX/XXXX XXXX XXXXI Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX
Product: Debt collection

I have requested, in a letter sent by mail, that this collector ONLY contact me via postal/snail mail. They continue to call.
Product: Credit card or prepaid card

I received an email on XX/XX/XXXX telling me Discover is closing my account due to inactivity. I paid off the entire balance in late XXXX & because I haven't charged anything on it in a few months, they are closing it. I called on XX/XX/XXXX ( one day after the email ) to discuss with them and it has already been closed- no negotiations. Closing this account will affect my credit- but they don't care about that. I am sure that this is legal or they wouldn't be doing it- but I think it's a horrible practice. So I am being penalized for paying my bills ... ... that is a new one.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have six accounts on my credit report that are not mine they do not belong to me I have not opened these accounts I dont know what they are for I need them off my credit asap!!! 

DEPT OF EDUCATION/OS - Acct # XXXX Amt {$0.00} DEPT OF EDUCATION/OS - Acct # XXXX Amt {$0.00} US DEPARTMENT OF EDU - Acct # XXXX Amt {$1900.00} US DEPARTMENT OF EDU - Acct # XXXX Amt {$1100.00} XXXX XXXX - Acct # XXXX Amt {$1400.00} XXXX - Acct # XXXX Amt {$310.00}
Product: Vehicle loan or lease

XXXX 2017 I purchased a car from XXXX XXXX in XXXX NY. I put the money down and drove the car for 3 weeks when XXXX XXXX decided they cancelled the loan. However I never received a letter to that effect. So I been driving the car but no finaning. Its insured and legal.
Product: Payday loan, title loan, personal loan, or advance loan

After searching for a contractor to remodel two bathrooms on the website XXXX, I was contacted by XXXX XXXX with XXXX XXXX XXXX to setup an appointment. He came to my home on XX/XX/year> and I signed an agreement for the bathroom remodels for {$2300.00} through a loan with the online company Momnt Technologies , Inc., with a {$10000.00} transfer upon signing. The agreement states that I had three business days to cancel the agreement. I sent a notice of cancellation on XXXX XXXX to XXXX with XXXX XXXX XXXX and got confirmation it was received XX/XX/year>, ahead of the three business day deadline. No work was ever performed in my home. After multiple calls and messages trying to reach anyone with XXXX XXXX, I reached to Momnt regarding the loan and provided all of the information I had. I have not received any assistance from Momnt as well. I have paid a total of {$290.00} on the loan. The Alabama Secretary State website shows that XXXX XXXX dissolved on XX/XX/year>. I've also received a notice of XXXX XXXX bankruptcy for XXXX XXXX, who is the only individual listed on the Alabama Secretary of State 's website under XXXX XXXX XXXX. I've never had any contact with XXXX XXXX.