23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

DEMAND TO CEASE AND DESIST COLLECTION ACTIVITIES PRIOR TO VALIDATION OF PURPORTED DEBT Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. & & 1601, 1692 et seq, this constitutes timely written notice that I decline to pay the attached erroneous purported debt which is unsigned and unattested, and which I discharge and cancel in its entirety, without dishonor, on the grounds of breach, false representation and fraud. 

15 U.S.C. & 1692 ( e ) states that a false, deceptive, and misleading representation, in connection with the collection of any debt, includes the false representation of the character or legal status of any debt and further makes a threat to take any action that can not legally be taken a deceptive practice.
Product: Student loan

XXXX I submitted a request to change my payment plan. MOHELA acknowledged the request but refused to put my status as a processing forbearance which would count toward XXXX. They claimed they couldn't because I was in a SAVE forbearance but 1. This is not correct, nothing about the SAVE forbearance requires that we stay on that plan. Changing payment plans should still trigger the processing forbearance. and 2. Others who requested this change and were on SAVE forbearance were changed to the processing forbearance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted disputes with XXXX, XXXX and TransUnion : this issue has not been resolved. I have never opened a line of credit and a through investigation will prove that. There was an additional address and phone number listed on my credit report that I have never used and do not belong to me. Lines of credit were opened under my name and without my consent and my credit has suffered as a consequence. I am XXXX XXXX military and travel often, my social security number is listed on many military documents. It is for all these reasons that I have concluded that fraud has been committed through identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several attempts to request for method of verification for Chapter XXXX and Chapter XXXX Bankruptcies from Transunion and have been unsuccessful with their method they just keep sending me that it was verified. Attached is the letter of method of verification that I am requesting and would like all this information within 15 days. Also if these things are not verified that specifically asked in this letter this information has to be permanently deleted from my credit profile.
Product: Mortgage

I can send copies of the trial payments a little later, I am not home at the moment, My problem,,, I fell behind at seterus mortgage and after talking to them they agreed that if I make 3 trial payments on time my mortgage will be permanently modified. 
Sent in payment 1 and got a letter saying the funds were insufficient and placed in a suspense account, Same day got a letter saying my loan was sold to XXXX XXXX. 
I'm afraid that seterus is using this strategy to negate the lower trial payment agreement and forclose. 
Thanx.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SS # : XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX TO WHOM IT MAY CONCERN IN REFERENCE TO THIS ACCOUNT LISTED BELOW : 1. CHARGE OFF CAN NOT CARRY A BALANCE - DATES OF LAST ACTIVITY DON'T MATCH THE DATES OF OPENING THE ACCOUNT DO NOT MATCH XXXX XXXX XXXX  Account Number : XXXX DELETE FROM MY CREDIT REPORT I WILL PAY ANY FINANCIAL OBLIGATION WHICH I MIGHT LAWFULLY OWE, ON THE CONDITION THAT THEY PROVIDE ME WITH : 1. I NEED THE FOLLOWING VALIDATION OF THE DEBT - THAT IS THE ACTUAL ACCOUNTING 2. VERIFICATION OF THEIR CLAIM AGAINST ME ; THIS IS A SIGNED INVOICE. 

3. A COPY OF THE CONTRACT BINDING BOTH PARTIES ( ME AND THEM ), IN A LETTER BY CERTIFIED MAIL SO THAT THERE IS AN INDEPENDENT " WITNESS TO IT HAVEING BEEN DELIVERED. '' PLEASE SEND ME THE TRACKING NUMBER AS WELL. 



FURTHERMORE I WILL ALSO NEED : 1. FULL DISCLOSURE I WAS NOT TOLD THAT YOU WERE ACTUALLY CREATING THE CREDIT WITH MY WET INK SIGNATURE 2. EQUAL CONSIDERATION THEY BROUGHT NOTHING OF VALUE TO THE TABLE AND HAS NOTHING TO LOSE 3. LAWFUL TERMS AND CONDITIONS BECAUSE YOURS WERE BASED ON FRAUD 4. THE WET INK SIGNATURES OF BOTH PARTIES I AM WRITING TO INFORM YOU THAT IM NOT IN DISPUTE WITH ANYTHING BUT I DEMAND THE FOLLOWING LISTED ABOVE BE PROVIDED IN ORDER FOR ME TO BE ABLE TO MAKE PAYMENT. 

PLEASE RESPOND BACK WITHIN 15 DAYS OF THIS CERTIFIED LETTER. 

IF YOU DO NOT RESPOND I WILL CONSIDER THE DEBT TO BE FULLY DISCHARGED AND I WILL NEED IT IN WRITING SINCE YOU DID NOT RESPOND BY THE STATED ABOVE TERMS TO PROVIDE THE NECCESSARY EVIDENCE OF A LAWFUL DEBT WITHIN THE REASONABLE PERIOD OF TIME PROVIDE, I WILL CONSIDER THE DEBT IS FULLY DISCHARDED. 

WITHOUT PREJUDICE XXXX XXXX
Product: Student loan

I have a student loan & a Parent Plus Loan through Aidvantage. On XXXX I tried to make a payment on the Parent Plus Loan, I received a payment confirmation email, but the funds never left my bank account. I tried the payment again on XX/XX/ and the same thing happened. In my Account History, the payment is logged but then followed by a 'Payment Reversal ' from Aidvantage XXXX 
Aidvantage says it was because of an error in the account numbers I entered, but provided no additional assistance or advice. The bank account & routing numbers were correct both times.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XX/XX/year> Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

Citi put my account into a inactive state. 
Do not allow me to close it. 
Do not allow me to use it in anyway, including puting money into, draw money from.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Equifax and XXXX XXXX XXXX XXXX have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. XXXX XX/XX/2021 ; XXXX XXXX  XX/XX/2021
Product: Credit card or prepaid card

I made a min balance payment on XX/XX/22. My billing cycle ends on XX/XX/22. I had a promotional balance that expired XXXX. I paid the full promotional balance on XX/XX/22 online. I called the company to ensure that the payment I made was applied directly to pay off the promotional balance on XX/XX/22 and not the minimum payment that was due on XX/XX/22. I asked the lady more than once did she apply the payment towards the promotional balance and she assured me that it was and the promotional balance is paid off. A month later they charged me accrued interest stating that I did not make the minimum payment for that month of {$35.00}. The call was recorded and the rep confirmed that my payment was applied to the promotional balance on XX/XX/22. I am requesting a full refund of the accrued interest charge of over {$500.00}. On XX/XX/22 I was on the phone for XXXX hours and spoke to several people and no one would correct their mistake. The interest charge did not show up until my XXXX payment. The recording clearly states where the payment was applied. These are deceptive, abusive, and unfair practices.
Product: Credit reporting

I have a credit card account with XXXX XXXX with payment history dating back to 1999 and there have being issues with the account and on-going dispute with the bank.Mysteriously the account prior payment history has being removed from my Experian credit file and the account allegedly sold. All I am my requesting is for the prior payment history to be reinstated to have accurate information as the collection agency XXXX XXXX is making false claims and misrepresentation in court about the payment history and status.
Product: Debt collection

on XX/XX/XXXX i received a notification from XXXX notifying me that a new account has been added to my credit file, upon me checking my credit report i learned that the new account was from Acima, which is a company i dont have any knowledge of, Additionally my credit file indicated this account was opened in XXXX of XXXX HOWEVER i have a Fraud alert on my credit file where any new accounts must be verified by me before opening and no one has contacted me to verify that it was me opening the account. 

Please provide me with a copy of any original documentation documentation ( a consumer contract with my signature on it ) required under section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). I would also like to know your method of verification used to verify this account which is required under Section 611 ( a ) ( 1 ) ( A ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA - you are required to promptly DELETE all information which can not be verified
Product: Checking or savings account

I received two phones calls this morning indicating a breach in my banking accounts and that security identification was necessary to unfreeze my accounts. I received three separate email with a long list of email attached as 'Cc 's. each email contains an attachment that was unopened. The email identifies itself as a notification from WellsFargo bank through XXXX XXXX. here is a list of Cc 's from the first email sent from XXXX XXXX/wellsfargo 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  date : XX/XX/year>, XXXX subject : Item shared with you : " We've Disabled Your Access ID - Please Review Bank Information '' mailed-by : XXXX signed-by : XXXX This is the SECOND list of emails also receiving this notification from XXXXWells Fargo  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 date : XX/XX/year>, XXXX subject : Item shared with you : " We Have Restricted Your Financial Account - Please Review Banking Information '' mailed-by : XXXX This is the THIRD list of infdividual emails added to this notification : from : 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 date : XX/XX/year>, XXXX subject : Item shared with you : " We have Restricted Yours Financial Account- Please Confirm Bank Information '' Each individual email has an attachment, and a phone call comes with this email placing the caller on hold until a representative comes to the phone to verify banking information.
Product: Payday loan

I have been contacted from the number XXXX XXXX and XXXX XXXX and threatened for non payment of loan, which was paid. The company did not give a name but they said it was a law office in XXXX XXXX California and said a sheriff would be sent with paperwork if not today, in a couple of days. I stated what they were doing was against the law and they said it was n't. Please stop this company and their tactics.
Product: Mortgage

OCWEN LOAN SERVICING, has illegally reported a pending ligation on my XXXX credit report. This loan is currently in the California courts for illegal and fraudulently tactics concerning the recent modification on my account. below is my XXXX report showing recent activity. 
OCWEN LOAN SERVICINGXXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXXAddress identification numberXXXXAccount numberXXXX .... 
Recent balance {$330000.00} as of XX/XX/XXXXStatusOpen. {$40000.00} past due as of XX/XX/XXXX. 
Date openedXXXX/XXXXDetailsYou requested that we add the following statement to your credit reportStatementLitigation Pending.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX i received three ( 3 ) 1099C Copy ( b ) 's for the following creditors XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

XXXX/XXXX  / XXXX / {$4800.00} XXXX XXXX  / XXXX / {$3600.00} XXXX XXXX  XXXX XXXX  XXXX XXXX  / XXXX {$2800.00} XXXX XXXX XXXX / XXXX / {$5000.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Product: Credit reporting or other personal consumer reports

I received a letter stating that the my inquiry was invesitgated and the account was verieed as accurate. However, i did. not received the requested documentation, including ( 1 ) Original signed agreement establishing my liability for the alleged debt. 
( XXXX ) Complete accounting history from the original creditor ( XXXX ) to substantiate the balance you claim is owed. ( XXXX ) Chain of title documentation proving that you are the lawful owner of this account. In addition there are several inaccuracies that are reported that further confirms that a thorough investigation was not completed.
Product: Debt collection

This collection company, rmp Services llc have been attempting to collect a debt in the amount of {$3100.00}. I have tried to have this company to remove collection from credit report but they have failed to do so twice. Their latest communication Efforts with their response to a Previous complaint stated That services were for a minor child but yet still Failed to verity the debt that would include services provided, services for whom, service dates, and any contracts that i have with this Company to provide payment to them for services they have not rendered to me or anyone else. Please remove debt from any and all credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : TOYOTA MOTOR XXXX  XX/XX/2018 XXXX
Product: Vehicle loan or lease

I am writing to request Ally financial to immediately send me my full refund check for my XXXX XXXX XXXX, Despite paying my account in full on XX/XX/XXXX, I still have a remaining balance owed to me. It is currently XX/XX/XXXX, and the XXXX business day timeframe promised has elapsed without me receiving the check. 

Over the past XXXX months, I have repeatedly called to inquire about my refund, to no avail. Even after being informed that delivery was switched from XXXX to XXXX Overnight, no supervisor has been able to provide me with a tracking number for my checks. Therefore, I demand that you send me my check immediately to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I noticed several inaccurate and erroneous information on my credit report accounts, and discrepancies that cause my credit score to take a deep dive in scores. I am submitting this complaint pursuant to FCRA 15 U.S.C. section 1681 ; 1. I noticed that XXXX  account is reporting that I am not paying on the debt owed. I state that I made payment arrangements with XXXX  and I have met the agreement by paying more than the minimum arrangements. The reporting from XXXX  is incorrect.

2. I contend that FICO, Equifax, XXXX, and XXXX  all credit bureaus have applied unfair practices to calculating my overall credit score. I state that my payment history is more than 90-percent and I have no Derogatory marks or collections on my credit report.

However, my credit score is lower than when I had numerous accounts owed on and collection acccounts on my credit report more than three years ago.

3. I state that the credit score is not consistent with my overall credit score which was XXXX in XX/XX/XXXX. I contend that my credit score is not fairly calculated and assessed by the Credit Bureaus. 
Therefore, I am requesting an investigation into this matter and ask that this Bureau review my claims and order the Bureaus to re-calculate my credit scores in keeping with Fundamental fairness practice.
Product: Credit reporting or other personal consumer reports

Transunion is reporting inaccurate & fraudulent accounts on my credit report. I am being denied credit and housing, I have sent in disputes but have not received any response back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX, XXXX and Experian to have items that has been paid off that was In collection to be removed out of collections. However they just updated the balance to just XXXX balance and the accounts are still in collection instead of being deleted. Also they have information that is reporting 30 days late that is not 30 days late like my XXXX   account. XXXX  put in a request to change the error on their behalf, but its yet to be changed on the reporting side. I also have a probleming with the scoring of my accounts. My scores will drop 30 to 50 points, I will pay the accounts out and they will only give me 10 points back. This is not right from what I have been read on fair debt information. Out of all the stuff I have taken care of, I should have had over XXXX points back on my score, but it is not where it should be. My DTI is low and I should have been receiving more points than they have given me.
Product: Credit card or prepaid card

Synchrony bank is taking advantage of the size of their company saying they cant find things i was told to send directly to their fax or email, telling me they are unaware of what the right hand tells the left when there are clear notes. I will speak with someone who tells me they are working on my dispute personally and then when i call in never be able to speak with them again.. I am told to send documents then they say they can not find them or its illegal to check the emails i sent. I Was sent 10 statues by XXXX in the amount of XXXX I did not order, from XXXX. I reported fraud, they said it was not fraud but a dispute, I provided them with multiple proof that the original vendor attempted to refund the monies and that I did not order the item, I provided it in every format possible and that was requested of me, I even did a conference call where the two companies discussed and agreed the monies were not due. 
Synchrony is now attempting to force me to pay for these items i do not want and never ordered ... They are refusing to honor the dispute or the refund processed and attempted to be processed multiple times after.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've came to aware someone has been using my identity there are alot of false charges that i need to take action of ASAP starting off went identity theft, information in my report has been used against me, furnishing and reporting old information, Mixing files, connecting me to accounts and addresses that i don't eve know, incorrect information, unverifiable information, incomplete information there are XXXX address there are not linked to me in my report XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Someone tried to open a XXXX credit card in my name on 2 separate occasions. XX/XX/year> and on XX/XX/year>. I called the number listed for XXXX and told them I did not apply for a credit card. They told me to call the 3 credit bureaus. XXXX and XXXX have removed these hard inquiries but Transunion has not. Letters from XXXX state someone may be using your personal information fraudulently but no other information other than that. I need the hard inquiries removed from my account as I did not try to open any accounts. I have tried with Transunion and they still show on my account. I do not know what else I can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax several times about fraudulent accounts and information on my credit report due to me being a victim of identity theft. They have not acted in compliance to the Fair credit reporting act 605 b which sates that any fraudulent information resulting from fraud should  be blocked and removed immediately.
Product: Debt collection

I have no knowledge of this debt. I'm requesting for a debt validation of this debt or delete the negative report off my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this account with the credit bureaus and they have not provided any validation for this account. 

I know that all they do when disputing anything is send data over to a company who sends a data file back. THAT IS NOT VERIFYING THAT ITS MY DEBT! I've looked up this company and it has numerous complaints about the same thing, incorrect reporting. I also noticed that CFPB has a lawsuit against XXXX XXXX. On page 9 of the filing it says XXXX XXXX. XXXX XXXX Sellers Disclaim the Availability of Documentation to Evidence the Debt they Sold to XXXX XXXX. Sellers typically have not provided XXXX with any Consumer-level documentation about most individual Debts, such as account statements, records of payments, and the underlying contracts signed by the Consumers. Instead, if desired, XXXX has had to order these documents from sellers, often at an additional cost to XXXX. So, if this is the case, then XXXX XXXX has no PROOF nor signature of my debt as I asked them to prove via certified mail. Which means that both XXXX XXXX and XXXX XXXX are falsely reporting on my credit file.
Product: Checking or savings account

While Inwas at work around XXXX  oclock I receive an alert from XXXX XXXX XXXX that I have open an account with Wells Fargo Bank. I know I did not when I tried to call the bank the eating time was about 45 minutes wait to 50. At the end I have not been able to reach mobody
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account, XXXX XXXX XXXX XXXXXXXX, Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account XXXX 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