23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXX a company I never heard of under confusing multiple names ( Halsted, XXXX XXXX XXXX ) that I do not owe but they claim they took over as I do not owe them anything indicated they are XXXX XXXX XXXX XXXX XXXX. WHile they threatened me that they will take legal action, damage my credit report. They also indicated I had to make a minimum of over XXXX on both acts as I informed them I wasnt working and in a hardship, they continued to move payments down to {$10.00} a month. I had no idea I could dispute the accounts until last month. They said I am required to provide my routing number and act number including my bank card number or they will pursue action. I provided this info to them as I was very afraid and felt threatened. First Payments were set up to take two {$10.00} payments ( XXXX and XXXX ) on XX/XX/19. I uploaded copy of the terms showing XXXX pmts set up and email, However instead they took {$19.00} on XXXX-I did not authorize either payment. I called Halstead the day of and spoke with a male, XXXX accent, could barely understand what he was saying. He did say that I will be charged a XXXX dollar fee every month which was included in the payments, I said how dare you, you have no right nor did I authorize this. He hung up on me. I also sent a letter disputing both acts on XXXX XXXX, this company continued to take funds from my act,. I was charged overdraft fees, see proof for 2 months as to date. The refuse to leave my account alone. They have no right. I have been charged over XXXX in od fees as they refuse to cooperate and doing nothing but jeopardized my checking act where other transactions are not go through. I informed XXXX XXXX that these are illegal unauthorized transactions. First of all I never agreed to pay this company and extra XXXX fee for monthly payments so they can get rich. I have disputed both acts and the balance on these acts are false and nothing but a scam. They refused to provide me a copy of the agreements with XXXX and XXXX XXXX, refused to show my signature along with the bond showing they have the right to collect. They have caused me stress and issues with my checking and other acts by their lies and scam. They owe me over XXXX in od fess as to date.as Im tired of the threats and going into my act every month to take unauthorized funds. Not fair.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX and XXXX  numerous times in last 2 yrs. about taking out fraudulent debt collection activity from my account. I have submitted police report and affidavits. It has been two years  and they keep telling me the are investigating. The investigation and it will be removed from my credit in 30 days. They keep coming back and stating IQ DATA INTERNATIONAL will not allow them to take my fraudulent debt out. I have contacted and submitted all of the above information twice via mail to IQ data. First time they stated they didn't get the mail so second time I mailed them a certified copy. I tried to call ID Data on XXXX and person XXXX, stated what I have submitted is not enough. I explained to her that I have submitted everything they have asked for. " She kept saying in LOUD voice, " it's not up to me SIR '', It's not up to me ''. I hung up and asked to speak to supervisor and left a message. " She was in a Meeting ''. No call back from her. I have already submitted complain against ID Data earlier. This complaint is against XXXX  and XXXX for failing to take out false information from my credit report for two yrs while acknowledging that they have everything they need from my end for submitting a fraudulent account information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Ref : Experian XXXX XXXX, XXXX, XXXX XXXX, and XXXX ) XXXX XXXX XXXX, XXXX, XXXX XXXX, and XXXX ) XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX Dear Consumer Financial Protection Bureau : Thank you for taking time to investigate my complaints against the following agencies who have refused 3 times to provide documentation verifying that these are may accounts as per the Fair Credit Reporting Act 609 and 623. The type of problem Im having with the Experian, XXXX, and XXXX XXXX is refusing to not only remove these items off my credit report, but more importantly disregard my request to show the proper documentation I requested to verify these accounts are mine. After three  disputes, Experian, XXXX, and XXXX XXXX have failed to once again provide documentation that this was my account. They failed to provide me a copy of any viable evidence, being my original signature showing the account was mine. All agencies continue to avoid the FCARA guideline. Neither the credit bureau of the comapnauiies have provide any original documentation such as a consumer contract with my signature as required under 609 ( a ) ( 7 ) and Section 611 ( s ) ( 1 ) ( A ). Furthermore, all bureaus and even the creditors have refuse to provide document. I asked each one of them since they didnt provide documentation to immediately Delete all information which can not be identified. 
Please see letters and certified mail which shows my attempts to have the credit bureaus to investigate and if not proven, remove immediately. 
In, conclusion, I have been maintaining careful records of my communication with Experian, XXXX XXXX, and XXXX for the purpose of filing a complaint should they be unwilling to comply with Federal Laws. They refuse to comply! Thank you in advance for investigating my claim and I look forward to a swift resolution. 
Sincerely, XXXX
Product: Payday loan, title loan, personal loan, or advance loan

XXXX XXXX Complaint I entered into a contract for solar panel installation. The first half of the project was completed by the end of XX/XX/XXXX. I was told the 2nd half of the project would be completed by mid XX/XX/XXXX. I signed a finanacial contract for the sum of approximately {$23000.00} ( 100 % of the cost of the project ) the first week of XX/XX/XXXX, assuming the project would be complete on time by XX/XX/XXXX. The installation contractors were having finanacial problems and did not complete the project. I communicated constantly with all parties between XX/XX/XXXX and XX/XX/XXXX, asking for completion of the project. By XXXX XXXX the project was officially abandoned. I contracted with a different solar installation contractor to complete the installation. I paid {$7600.00} to the new solar installation contractor who completed the installation. The solar project was completed by XX/XX/XXXX. By XX/XX/XXXX, the finance company ( EnFin, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) that I signed the {$23000.00} solar financing contract, was asking for payments on the contract. From XXXX till mid XX/XX/XXXX I had sent requests to EnFin to modify the contract by reducing it by {$7600.00} which is the amount I came out of pockect to pay to complete the installation. EnFin refused to modify the contract and expected full payment on the {$23000.00} contract. EnFin has put a lein on my house and fraudulently expect full payment of {$23000.00}. I contacted the California Board that governs contractors and filed a complaint against the contractor that abandoned the solar installation project. That complaint has been resolved and the solar company that abandoned the installation has repaid me the {$7600.00} that I came out of poctket to complete the solar installation. Now I need to file a complaint against EnFin for their refusal to modify the financial contract and their insistance on me paying on a contract that was not fulfilled. I have email proof of everything stated above.
Product: Debt collection

The debt collection agency is still saying that I owe this debt, but I never agreed to a contract with LVNV Funding. I am not liable for this debt of {$300.00} with LVNV Funding. In accordance with the Fair Credit Reporting Act, LVNV Funding has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1684 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my permission.
Product: Mortgage

Been working with franklin credit for 2 years initially started in BK but then they dismissed it though we did receive mod and I paid but they said they did not get the appropriate court papers so for the last two years we have gone back and forth going from the initial XXXX proposed load mod to XXXX plus asking for XXXX down. They have sent us documents with different balances, delayed in contacting us. We are victims of predatory lending did not know what we signed when we bought the home under false pretense. We have asked for a fair mod. They said they would agree to XXXX down with the remaining spread over a year with the regular payment. My attorney advised us before we sign on Monday we should have our loan directed and terms reviewed and it was to have been reviewed by BK court Please advise
Product: Credit reporting, credit repair services, or other personal consumer reports

I lost my wallet about 3 months ago containing my drivers license and social security card and other bank cards which I quickly cancelled. And a few weeks ago I pulled my credit and notice alot of inquiries unauthorized and fraudulent account I contacted the companies and request they be removed but nothing happened
Product: Bank account or service

XXXX XXXX went to a XXXX XXXX bank in XXXX to report a stolen payroll check ( from ADP, INC ) which was cashed with a forged signature. ADP uses a XXXX XXXX account in Arizona. she simply wanted to know, what should she do, and what could well XXXX do to help? The attached PDF describes the visit in detail. 
A notarized Forged Endorsement affidavit has been files with ADP. a XXXX XXXX bank copy of the stile check is included in the PDF. The complaint is for the type of treatment XXXX received, and the lack of profession help from the bank representative. 
Based upon our experience so -far with XXXX XXXX XXXX we have low expectations that our complaint to be taken seriously by the phoenix bank. But we are filing the complaint anyways XXXX XXXX, brother-in law to XXXX XXXX XXXXXXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX : {$43000.00} ; XXXX XXXX  XXXX Balance : {$2400.00} ; XXXX XXXX  XXXX Balance : {$10000.00} ; XXXX XXXX  XXXX Balance : {$6600.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX  XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1500.00} ; XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX TX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I have been made aware of the ongoing fraudulent actions being committed against my estate. These fraudulent actions are in multiple violations of 15 U.S. Code Chapter 41 - CONSUMER CREDIT PROTECTION, and in turn have caused me a great deal of stress along with an exponential amount of loss. Therefore, I am requesting that the reporting of the information be blocked and deleted along with payment of the civil liabilities outlined in 15 U.S. Code Chapter 41 - CONSUMER CREDIT PROTECTION. 
In accordance with Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$480.00} XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have 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. 
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of alleged debt, nor therefore any such debt, in fact exist.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX Account Number : XXXX
Product: Student loan

I am writing to express my frustration regarding the delay in processing my Income-Driven Repayment ( IDR ) application. It has been nearly 5 months since I submitted my application, which is unacceptable and may be in violation of legal requirements. 

I am deeply concerned about the impact of this delay, as it has resulted in XXXX late payments due to MOHELA prolonged processing time for my IDR plan. I feel that this situation unfairly burdens individuals who are already financially vulnerable. 

As a result of this experience, I am considering filing a formal complaint against your company. I strongly believe that such delays can have serious implications for individuals who rely on timely processing of their IDR applications. 

Additionally, I am prepared to escalate this matter to the Attorney General '' s office if necessary. I expect a prompt and satisfactory resolution to this issue, and I hope to receive a response from your organization addressing this matter as soon as possible.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dispute it claims with XXXX about account. I have not supplied proof of under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Debt collection

I was sued by XXXX and XXXX Attorney firm and they got a judgement to levy my bank accounts. I have never received anything from this company before. The original creditor is XXXX XXXX credit card. Then Portfolio Recovery bought the debt and hired XXXX and XXXX to collect the debt. I received the judgement in the mail on XX/XX/XXXX. It states it was mailed on XX/XX/XXXX. The amount of the debt is {$2000.00}. The Statute of Limitations applies to this case. This account is Time Barred. The account was opened in XX/XX/XXXX. The last payment was received by the company on XX/XX/XXXX.
Product: Mortgage

Started off as a 80/20 Loan ( Freemont & Ocwen XXXX then I got it modified and had 1 mortgage with Ocwen. I had a mortgage broker speak on my behave to negotiate this modification in XXXX which I was not aware this was a balloon mortgage. When I recently tried to do a Home Equity Loan with another company that how I found out that I still had a second mortgage. This was a predatory loan from the beginning, So I went back to the Mortgage company Ocwen ( now PHH mortgage ) to get this resolved by paying off the second mortgage with out the interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute of consumer debts still reported with 'open ' status after bankruptcy. TransUnion XX/XX/XXXX  reports that I have eight open accounts. Of these eight accounts, one private student loan with XXXX XXXX is still under CFPB dispute since it falls under a category discharged by standard bankruptcy discharge orders, just like most other unsecured consumer debts ( per CFPB XXXX XXXX : Unfair Billing and Collection Practices After Bankruptcy Discharges of Certain Student Loan Debts ). 
TransUnion initially removed balance of the XXXX XXXX loan and updated three private loans with XXXX XXXX XXXX as 'closed ' included in bankruptcy. However, TransUnion has reinstated all these loans with 'open ' status. I should only have four open accounts, but the XXXX XXXX student loan dispute will get resolved separately. 
For this CFPB dispute, I am disputing the three private loans with XXXX XXXX XXXX that have remarks 'included in the bankruptcy ' but are being reported with 'open ' and 'derogatory ' status vs 'closed '. 
The three personal loans with XXXX XXXX XXXX are on pages 3 and 4 of the 22-page attachment.
Product: Debt collection

XXXX, XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX PARAMOUNT RECOVERY SYS XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious PARAMOUNT RECOVERY SYS XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I believe this account is inaccurately reported or should not be included in my credit report. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), all information on my credit report must be accurate, verifiable, and reported within the allowable time frames. 

I am requesting that TransUnion : Investigate the validity of this account. 
Verify that XXXX XXXX XXXX XXXX XXXX and the original creditor, XXXX XXXX XXXX  XXXX XXXX, have adhered to all reporting guidelines under the FCRA. 
Remove the collection account if it can not be verified or if it is inaccurately reported. 
Please inform me of the results of your investigation and provide an updated copy of my credit report reflecting the removal of the collection if appropriate. I have enclosed supporting documentation to assist with your investigation. 

Thank you for your time and prompt attention to this matter.
Product: Student loan

I can not make an account at all with MOHELA. I have to make payments soon but I can not make them without an account. No matter what I try, nothing works. I don't know what I could do anymore other than a possible default.