23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XX/XX/XXXX I was applying for a loan and set up XXXX XXXX. 
I noticed on my account that I had a collection from Arbor Professional Solutions ( APS ) for XXXX XXXX XXXX of {$830.00} dated XX/XX/XXXX. 
My deceased father and I have the same name, I don't recall going to XXXX XXXX XXXX and they are out of business. 
I called Arbor Professional Solutions on XX/XX/XXXX and XX/XX/XXXX requesting proof of the debt. On XX/XX/XXXX they admitted that they had not sent any collection notices to me but that they would get it in the mail. They never sent the information. 
Arbor is still reporting a delinquent collection. 
I have written the credit reporting agencies and both stated APS claims it is a valid debt. 
On XX/XX/XXXX I sent then registered note that I had disputed the account information and requested that they had 30 days to provide proof of debt or remove the inaccurate information they are reporting. 
In that letter I stated that I would report them to the CFPB and to the XXXX  and if necessary take legal action. 
I have not received any correspondence from APS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing alleged accounts since XX/XX/ 2020 and the company has violated my consumer rights several times. I have enclosed my files and exhibits.
Product: Debt collection

I gave 30 day notice to move out of an apartment in XXXX XXXX. The month to month rate was {$740.00} for the month of XXXX I gave them the difference of my rent minus security deposit of {$390.00}. On or around XXXX XXXX received letter that partial payments were not accepted and the security deposit could not be used toward last month 's rent. On or around XXXX XXXX received a letter stating that I needed to pay my rent including late fees and attorney fees in 7 days or vacant the property. I moved out on the XXXX day and stop payment on the check for the partial payment. My security deposit covered the rent for the 15 days I was there. Months later in XXXX I received a debt collection for the amount of the partial payment, stop payment fee, and late fee and attorney fee totaling {$570.00}. I told the debt collector that I would pay the {$340.00} that would cover the full months ' rent ; however that offer was declined.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020. I sent out a letter to each of the three credit reporting agencies. In theses letters I disputed the validity of said accounts Today is XXXX and the credit reporting agency has yet to respond back they havent even had the decency to update the accounts as under investigation. Ive sent out a 30-day demand letter because they are in violation of my consumer rights but the law under FCRA.
Product: Debt collection

In XX/XX/XXXX Diversified Consultants began illegally reporting an amount of {$59.00} on my XXXX, XXXX  and XXXX  which has severely impacted my credit. On XX/XX/XXXX I wrote Diversified Consultants and requested under FDCPA, 15 USC 1692g Sec.809 { b } for validation of the following information : 1. What was the amount owed for 2. Explain and show how they calculated the amount 3. Provide copies of documents that show I agreed to pay said amount 4. Provide verification or copy judgement if applicable 5. Identify creditor 6. Prove statute of limitations is not expired 7. proof of license to collect in the state of Arkansas 8. Provide license numbers and registered agent or agent of services. 
Diversified Consultants to this day has not provided any of the above requested information within the 30 days requested or required. 

I am writing this today on XX/XX/XXXX to bring attention to the unscrupulous collection protocol of Diversified Consultants. And to demand that the collection account # XXXX be permanently removed from my credit reports! 
Diversified Consultants has been given ample to time to comply. 
In the letter dated XX/XX/XXXX Diversified Consultants was instructed that all contact moving forward be in writing and to not call my place of business or home. Diversified Consultant violated that request on XX/XX/XXXX at XXXX XXXX  by calling me and requesting that I verify the last four digits of social security number and address. I politely stated that all contact has been requested to be in writing and I ended the call. 
I am demanding a cease and deceits of collections and reporting to any and all credit bureaus and that all collections by Diversified Consultants be removed from my credit files and reports immediately! 
Please see attached 6 documents of proof of all information communicated. 

Thank you, Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For 12 years, Bank XXXX did not let me refinance with another banks because bank XXXX marked my credit report 2 times in XXXX and XXXX with incorrect information and complicated my life moral and financial. 
First they made a mistake with my whife name XXXX XXXX XXXX XXXX XXXX, the bank included her name on the title and the mortgage was only in my name XXXX XXXX XXXX XXXX. We bought the house in XX/XX/XXXX and we lost the house in XX/XX/XXXX the Lawyer XXXX XXXX XXXX said for us leave the house, then we back to the house in XX/XX/XXXX because the bank XXXX didn't take the house back, we don't know why because we don't know how the law with Mortgage works here in XXXX and I did a modification just in my name The program XXXX save our home in that time.I would like to know if I can have a compensantion for the damages caused unfairly on my credit report because I finished my bankruptcy in XX/XX/XXXX and I aware I have to wait 10 years to do any refinance with another bank but the XXXX first marked on my credit report that I did bankruptcy in XXXX then he reported in XX/XX/XXXX marked me again said I had banckrupcity and chapter XXXX in that date that is incorrect and this is unfair because in those 10 years I have been always paid my mortgage on a due date just now I'm in the Forbence Plan, I have to start pay the house in XX/XX/XXXX. I have all papers from the Bank and from the Court showing to prove that I'm saying the truth. Bank XXXX and Bank XXXX worked together against us. The title is on the name of the bank XXXX and I can not make full payment before XXXX, and I can't sell the house either I'm sending all documents about the house and courts by mail. The bank XXXX stopped reporting to my credit report my payment since XX/XX/XXXX and I have all documents showing the payments until today. I don't have the Title and deed of the house. 
I tried to refinance the house with another Bank last month and I found that I can't make nothing because of the derogaty, bankruptcy and chapter XXXX marks was reported on my credit report and another bank told me the title is in the name of XXXX Bank. I will send by mail all the documents tomorrow XX/XX/XXXX. I sent here just small file the rest I will send by mail because they are big file. Could you please help me! 
Thank you so much!
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$500.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00}. 

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

I am writing to request the deletion of specific information from my file. The items I am disputing are listed in the attached report. I am a victim of identity theft, and I did not authorize the charges in question. I have reported the theft to the Federal Trade Commission, and I have enclosed copies of the FTC Identity Theft Report and Affidavit. Please remove these items from my record as soon as possible.
Product: Credit reporting or other personal consumer reports

I have been back and forth with all of these companies and they dont not respond. 

XXXX XXXX XXXX Security Credit ServicesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I placed order for sandals and Paypal was used as conduit for payment. I was not informed that the product came from XXXX and that Paypal was going to be used for payment. They took the funds from my XXXX XXXX XXXX XXXX. I would not have ordered if I knew. 

The order was place on XX/XX/2020 & I received nothing ; soon it will be 4 months. I asked for a refund on XX/XX/2020 & they have yet to refund my money ( {$28.00} ). I requested refund via their website and their ( XXXX ) XXXXnumber - which they refuse to answer. 

The transaction ID is XXXX. 

My Acct # : XXXX Merchant is XXXX XXXX XXXX XXXX XXXX, XXXX. 
Amount needed to be refunded : {$28.00} Invoice ID : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After checking all 3 credit reports, I found an entry for a credit card issued through XXXX XXXX XXXX that was showing in collections through XXXX XXXX XXXX. As I have no knowledge of this account, I disputed in with the credit reporting agencies. They said that the report will remain as they confirmed the information is valid through XXXX XXXX, XXXX. 

On XX/XX/2023, I wrote to XXXX XXXX XXXX stating that the account through XXXX XXXX XXXX does not belong to me and that I have no knowledge of such an account. I then requested a complete copy of all documentation they had from XXXX XXXX XXXX, proof that I authorized the account, copies of all receipts of purchases, etc. made, etc. I requested that the information be provided within 15 days or I would file a complaint with you. 

It's been 30 days since my letter to them and no response. The account they say belongs to me does not and they have not proven that it is. They have not responded. I want the information removed from my report immediately.
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 XXXX / Account XXXX XXXX. XXXX Bank # XXXX XXXX. XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Bank XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX XXXX Services # XXXX 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 XXXX 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

We DO NOT OWE the reported balance of {$400000.00} and the principal balance of Mortgage has not increased. The continued reporting of this FALSE INFORMATION is damaging the consumer credit rating. Resulting in the diminution of credit scores and the increased cost of money in day-to-day living. 

Claimant : XXXX XXXX, as Servicer is reporting. 
Account Number : XXXX Type : Mortgage Loan Amount alleged : {$400000.00} ( INCORRECT ) : {$400000.00} ( CORRECT ) o Amount reported appears as increased balance from the previous month. 
Monthly Payment : {$2200.00} ( INCORRECT ) : {$1800.00} ( CORRECT FIXED RATE LOAN ). 

o The agreed debt obligation is a fixed rate mortgage loan for 30 years. 
{$830.00} Principal 1021.32 Interest o NOTE : Escrow payments are not part of the Real Property Debt Obligation to the Creditor and is a voluntary act on the part of the Mortgagor. Therefore, the use of escrow payments into a loan balance reporting creates the illusion of the loan balance increasing. this false increase creates a false credit image in the Real Estate Loan dynamic.

I have a " FIXED RATE MORTGAGE 30 YEARS '' and have not missed a payment.
Product: Student loan

I have been on hold with Mohela for 3 hours today and it's not the first. This company is unreliable in servicing my student loans and is seriously impacting my PSLF completion. I need the following to happen ASAP : Please remove the forbearance on my account and put me back into the repayment IBR/IDR plan I had before SAVE. Previously, I had to cancel my autopay because Mohela was collecting roughly {$70.00} from my bank account which should have never came out and MOhela didn't know where it went. I want the autopay back on but the forbearance status is preventing me from doing so, and i want my IBR/IDR payments to resume for PSLF credit. 

I am being forced into a low paying PSLF job because i can't set up payments. I'm very upset as this issue impacts my income.
Product: Debt collection

I've reached out to Security Credit Service twice requesting validation of an alleged debt. As of today, I have not heard back from them. I am for certain that I do not owe this company any money. For starters, I have never done business with them nor have I heard of this company. They have failed to supply the demanded proof of the alleged debt, I want to note that under the doctrine of estoppel by silence, Engelhardi v Gravens ( Mo ) XXXX XXXX XXXX, XXXX, I can presume that no proof of the alleged debt, not thereof any such debt, in fact, exists. 

Therefore, I restate my demand for proof of the alleged debt, specifically the alleged contract or the other instrument bearing my signature.Absent such proof, they must terminate this collection action and correct any erroneous reports of this debt as mine. According toFair Credit Reporting Act ( FCRA ) everything on my credit report must be accurate, verifiable, and reporting timely. If not that, information must be removed or corrected from/on my credit report. Security Credit Service can not report information to one or more of the three major credit bureaus that will be violating my rights. For the record, I state again that I have NO account with them, nor am I their customer, nor have I entered into a contract with them. I've requested VALIDATION of the debt not verification which was not provided. I also asked for the following that was not provided. 

I did not give this company written permission/ instruction to place any of this information on my credit report according to 15 USC 1681 Section 604 A Section 2 this bureau has violated my given right.
Product: Debt collection

The following is a timeline of events and errors made on the part of NCC Business services ( debt collection ), XXXX, and XXXX ... 

*XX/XX/XXXX NCC Business Services notified us of their intent to collect on a XXXX credit card debt * We initially had no idea what they were referring to, we never received a billing statement from XXXX ( XXXX ) based on the fact we had moved our primary residence *XX/XX/XXXX, We requested from NCC Business Services to substantiate Debt ( we understand they have 30 days to prove debt and we did not receive statements until XX/XX/XXXX * The statements they provided on XX/XX/XXXX did not contain information from the late debt, we immediately notified them of this error. 
* Despite the fact they were late proving debt, they continued to contact us by phone. 
* Finally on XX/XX/XXXX, NCC provided statements to prove debt and we were able to verify the charges were made by us * On XX/XX/XXXX, We sent an email to NCC ( please see the following ) XX/XX/XXXX To whom it may concern : I am writing to inform you that we are disputing several elements of your recent attempt to collect debt on our XXXX credit card. The following items provide details on the areas we are disputing and we are requesting the items are corrected immediately : *We never received a billing statement from XXXX, despite our notification to XXXX of our updated address ( please see attached document that indicates our updated billing and shipping address provided to XXXX at the original time of purchase ) *Based upon the fact we never received a billing statement, we are disputing any finance or late charges incurred *Based upon the fact we never received a billing statement, we expect that the late payment will not be reported as late to the credit reporting agencies If each of the the aforementioned items are acknowledged and rectified immediately, we are willing to remit payment for the initial purchases only for the amount of {$100.00}. If you do not respond to this matter in 30 days we do plan to remit a complaint to both the CFPB and the FTC. Thank you for your prompt response and resolution of this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX We recognize that we have Not received a response from NCC in the required 30 day period and conveniently it appears they have turned over our account to another collection agency, XXXX XX/XX/XXXX We receive a letter from XXXX XXXX XXXX XXXX trying to collect on the debt Here are some relevant details regarding this situation : 1 ) we are willing to pay for the original purchases, provided they remove the late charges, finance charges, and remove any late payment from our credit history 2 ) XXXX has never had a late payment in her life, our credit score is important to us and is currently over XXXX 3 ) We did notify XXXX at the point of sale on XX/XX/XXXX of our new billing and shipping address, they failed to update in their system ( please see document attached digitally showing our updated billing and shipping address that XXXX XXXX failed to update ) Please help us!!!
Product: Checking or savings account

ON TODAY XX/XX/XXXX  I TRIED TO OPEN TO BANK ONLINE WITH REGIONS BANK AND XXXX  XXXX AND XXXX XXXX, I WAS DENIED FOR THE ACCOUNTS, BUT I DONT HAVE ANYTHING IN XXXX XXXX AFTER PULLING THE REPORTS, PLEASE HELP ME.
Product: Checking or savings account

America First Credit Union has just tried switching all of its members to a paid checking account model without notice except for a social media post. They have claimed that emails went out, when in fact several thousand customers all agree this did not happen. 

This seems fraudulent and sneaky at best.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE ASKED XXXX XXXX ON SEVERAL OCCASIONS TO REMOVE THE LATE PAYMENTS FROM MY FOUR ACCOUNT WHICH OCCURRED XX/XX/XXXX-XX/XX/XXXX AND XX/XX/XXXX DUE TO ILLNESS AND BEING ON XXXX AT THE TIME THE LATE PAYMENTS OCCURRED. XXXX XXXX HAS NOT BE FORTHCOMING WITH REMOVING THE LATE PAYMENTS EVEN WHEN I SUBMITTED TO THEM COPIES FROM THE XXXX OFFICE AND DOCTOR CONFIRMING MY XXXX AT THAT TIME.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. I was going through my records & noticed many items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the XXXX and TransUnion Credit Bureaus are required by law to remove & block any items or information which is found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove the following Fraudulent items listed below : XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XX/XX/2022 ; 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 XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. Experian Credit Reporting Agency has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, 15 U.S.C. 1666 & is not complying with the FCRA Section 623 ( 5 ) ( A ). 

The accounts in question are as follows XXXX XXXX XXXX XXXX, Account number : XXXX Date opened XX/XX/XXXX Account was written off for {$XXXX} in XXXX however {$XXXX is now past due as of XX/XX/XXXX. 

Also the following two accounts were updated incorrectly and have caused me a XXXX point decrease on my credit report. 

Account name : XXXX XXXX, Account number : XXXX Credit card opened XX/XX/XXXX Account charged off. {$XXXX} written off. ( There is no need to have any further information beyond the charge off date displayed ) Account name : XXXX XXXX XXXX XXXX, Account number : XXXX Date opened : XX/XX/XXXX Account charged off. {$XXXX written off. ( There is no need to have any further information beyond the charge off date displayed )