23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was on XXXX XXXX military at XXXX XXXX AR when I got an XXXX XXXX XXXX   phone in XXXX. For the first several months I was charged for roaming charges. Each month they would take the charges off. About 4 months later I was moved to XXXX  XXXX XXXX in XXXX XXXX. I had so many issues involving my bill and coverage I talked to XXXX XXXX XXXX  and because I was XXXX XXXX they said I would be released from the contract. On XX/XX/XXXX I find out my check has been garnished by XXXX XXXX. I called XXXX  XXXX XXXX n they all tell me the account was closed and not sent to collections. XXXX refuses to send me the Inormation about the judgement and say my debt is now {$6000.00}!!! That's a 4 month phone bill. I find out that they served the papers to my father and we didn't even live in the same state. They refuse to take my calls or answer emails. I have sent a request for all information that is required from them by law. They have not responded in a timely manner or at all. They continue to garnish 25 percent of my net paycheck even though Oklahoma law allows only 15 percent for head of household. I. Sure that this is judgement is in no way right or fair. XXXX XXXX have multiple lawsuits for fraudulently obtaining judgement including not giving notice, fraudulent evidence, inaccurate debt amounts and information, statue of limitations. They also were indicted XXXX vs Asta funding on RICO act, and lost class action. Please help me. I am a father of XXXX children and a wife all depending on my support. This is allegedly from 13 years ago
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I filed a series of FCRA disputes with Early Warning Services ( EWS ) via letter sent Certified Mail, Return Receipt ( received XX/XX/XXXX, letter attached as Exhibit " A '' and return receipt attached as Exhibit " B '' ). 

Such disputes involve four ( 4 ) XXXX XXXX XXXX accounts and one ( 1 ) XXXX  XXXX XXXX account incorrectly displayed on my Early Warning Services ( EWS ) report. 

On or about XX/XX/XXXX, I received four ( 4 ) identical letters regarding the XXXX XXXX XXXX disputes indicating that the tradelines were verified ( one of the letters is attached as Exhibit " C '' ). I received no such letter, or any other communication, regarding the XXXX XXXX XXXX dispute. 

In a letter dated XX/XX/XXXX ( attached as Exhibit " D '' and its return receipt, dated XX/XX/XXXX, as Exhibit " E '' ), I noted that the period the FCRA allows for response to disputes had passed, and the XXXX  XXXX XXXX entry must accordingly be deleted. I also requested information regarding the verification methods used in the investigation of the XXXX  XXXX XXXX disputes. 

These requests resulted in more form letters five this time determining my requests to be frivolous or irrelevant. All the letters are identical ( one is attached as Exhibit " F '' ), and none speak to the specific entreaties I made. This leads me to believe that they were sent as a knee-jerk response to my letter, with no consideration or respect given to its content or validity. 

Finally, on XX/XX/XXXX, I received a copy of my EWS report with each page watermarked with the word updated, supposedly as a result of the same investigation requests that EWS deemed frivolous as noted above. I also received a letter dated XX/XX/XXXX stamped " COPY '' regarding the XXXX XXXX dispute, although no such letter was ever sent to me before ( see above ). 

Clearly, these investigation results were furnished well outside of the 30-day period allowed by law ; and they are the result of an investigation EWS have repeatedly refused to conduct. 

Also, my disputes can not be both too frivolous to investigate and valid enough to investigate at the same time. 

My rights under the FCRA have been violated.
Product: Mortgage

Dear CFBD, My name is XXXX XXXX and my wife XXXX and I were first time home buyers in XXXX XXXX XXXX in XXXX Illinois XX/XX/XXXX. We Financed a loan from Wells Fargo at 100 % at {$290000.00} and could n't afford to put XXXX % down so they split it up to an XXXX loan. They XXXX % loan is fine, but the XXXX % ( or Home Equity Loan ) is robbery. This loan was purchased at {$58000.00} at 9.25 % and was a 15 year loan with a balloon payment of {$47000.00} at the end of its term. Our payments consist of {$480.00} per month and over the last 9 years of onetime payments, our remaining principal balance is {$53000.00}. Over the years I have reached out my concerns to Wells Fargo about this loan and as a first time homebuyer, we did not understand the terms of this loans until a couple of years after its purchase. I went through a modification program, settlement program, and Home Equity Line of credit refinance program for this loan. They were all rejected by Wells Fargo because they see my wife and I are both working and can afford to make our payments. We have weathered the financial crises storm of XX/XX/XXXX and XX/XX/XXXX, but over the years our neighborhood did not. During that time period our house lost about {$100000.00} of its {$290000.00} from its initial purchase. Our house remains about {$35000.00} under water and with our bad home equity loan, at the very least Wells Fargo can do is modify this loan and have a normal financial rate. Our house has put us into so many struggling years and Wells Fargo is to blame for providing and tricking us with this bad loan. After over {$51000.00} of payments on a {$58000.00} loan, we still owe {$53000.00} on this loan. This is robbery. Our Wells Fargo Home Equity Loan account number is XXXX. If you could please look into this and do something about it, that would be much appreciated. That is the only right thing to do. 

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

This company is inaccurately reporting late payments to the credit bureaus. I was never late paying this account. This account was paid in full on time. I have tried to get this resolved with this company by telephone and the company response was that it will stop reporting this incorrect information but this has not been corrected. This is a common practice for this company.
Product: Credit reporting or other personal consumer reports

My accounts with XXXX, XXXX XXXX , XXXX AND XXXX were never late! I have had exceptional payment history witH capital XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX  XXXX AND XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX. XXXX & XXXX ( XXXX XXXX. XXXX, XXXX, Balance : {$150.00}, Criginal Creditor Name XXXX XXXX ), XXXX. XXXX & XXXX ( XXXX XXXX. XXXX, XXXX, Balance : {$380.00}, Original Creditor Name XXXX XXXX ), XXXX. XXXX & XXXX ( XXXX XXXX. XXXX, XXXX, Balance : {$170.00}, Original Creditor Name XXXX XXXX ), XXXX. XXXX & XXXX ( XXXX XXXX. XXXX, XXXX, Balance : {$510.00}, Original Creditor Name XXXX XXXX ), XXXX. XXXX & XXXX ( Opened XXXX XXXX, XXXX, Balance : {$350.00}, Original Creditor Name XXXX XXXX ), XXXX. XXXX & XXXX ( XXXX. XXXX, XXXX, XXXX : {$180.00}, XXXX XXXX XXXX XXXX ), XXXX. XXXX & XXXX ( XXXX XXXX. XXXX, XXXX, XXXX : {$550.00}, XXXX XXXX XXXX XXXX XXXX ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA these accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian . These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX  Date Opened XX/XX/XXXX Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Home Depot reported me 30 days late. I disputed it several times with Home Depot and the credit agencies. I provided documentation that showed my bill is auto payed from my bank account and since they included a large interest payment one month, the payment was slightly short. I kept paying my bill month after month ( never " missed '' a payment ) they kept carrying over this small amount of interest, not known to me, and eventually considered the entire account late. 

XXXX Disputed it several times with this criminal credit reporting agencies who hold you XXXX with a number. You can't talk to anyone and have to mail letters ( what is this XXXX )? They return the dispute results that show Home Depot as reporting me late, Home Depot doesn't present any evidence, only that they have a piece of paper that says they said I was late! 

XXXX I dispute with XXXX once again. They respond in a few days and they obviously did not do any additional digging. They send me back this attached report that says nothing at all except that Home Depot says I was 30 days late in XX/XX/XXXX. XXXX is so bad and does such a disservice to the public that I'm going to also attach a screenshot of what they show on my report right now! They show 60 days late, and blank payments for XXXX and XX/XX/XXXX. They literally just sent a dispute report back to me that says it was only 30 days late and they can't even update their own website and info? you are supposed to trust these people with your credit file? It's disgusting..They don't get anything correct and I'm sick of dealing with them. People have enough to worry about in this difficult time than to deal with this non sense.
Product: Payday loan, title loan, or personal loan

I became unemployed in  XXXX  and there is credit insurance on my account. The company is hounding me for the past payments despite this. I 'm willing to continue paying, but need them to work with me. I am now in a position at reduced pay. They have violated the FCRA by identifying the debt to third parties and making threats.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mailed a dispute letter ( certified mail ) to credit bureau disputing some unauthorized hard inquiries on my report. After 30 days did not receive and update about the dispute. I contacted the credit bureau by phone to ask of a reason why dispute was ignored. I was told hard inquires are not disputable. FCRA states ANY inaccurate item on a credit report is disputable. Company did not want to help me any way except stating I could mail a letter again. Note* I included 2 forms of identification with the letter for them to be able to locate my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS NOT A DUPLICATE COMPLAINT. 

I am XXXX XXXX XXXX and I am writing this complaint myself. There is no third party involved. 

This is a final DEMAND TO COMPLY after multiple previous attempts to resolve this matter. For committing identity theft, violation and deprivation of my privacy, for causing me defamation of character and for impermissible purposes, I am demanding remedy in the amount of {$3000.00} pursuant to 15 USC 1681n and 15 USC 1681o. I have mailed Experian a DEMAND TO COMPLY letter via certified mail, tracking # XXXX XXXX XXXX XXXX XXXX, along with a copy of my SSN card and my state ID for identity verification purposes. Experian received this DEMAND TO COMPLY on XX/XX/XXXX. I have attached a copy of said letter. 

After accessing a copy of my consumer credit report from Experian and noticing fraudulent accounts and information being reported without permissible purpose pursuant to 15 USC 1681b, I mailed Experian a written dispute on XX/XX/XXXX in regards to the fraudulent information via certified mail # XXXX XXXX XXXX XXXX XXXX XXXX. It was received on XX/XX/XXXX. 

Since then, Experian failed to respond to my dispute pursuant to 15 USC 1681i-Procedure in case of disputed accuracy. When called to ask about a follow up 30 days later, agents stated that there was no dispute on record. Since then they have added additional fraudulent information in the form of XXXX collection accounts. Experian willfully and negligently handled my dispute reporting fraudulent and unverified information and failed to follow up with me via written mail with any update or resolution. Experians violations of 15 USC 1681 and 18 USC 1028A have deprived me of my right to privacy, caused me defamation of character, pain & suffering as well as monetary struggle and marital instability while being a victim of identity theft as defined by 12 CFR 1022.3 ; Identity theft is a fraud committed or attempted using the identifying information of another person without authority. 

Experian is liable to me, the natural person and consumer for {$1000.00} per fraudulent item of information pursuant to 15 USC 1681n and actual damages pursuant to 15 USC 1681o. I have been denied for extensions of consumer credit based on the report furnished by Experian which has put my family through extreme hardship this past year. I am demanding the deletion of XXXX closed charged off accounts, XXXX inquiries and XXXX collection accounts immediately and remedy in the non negotiable amount of {$3000.00}. Actual damages amount to a higher amount, {$3000.00} is my settlement offer. Details of deletion demands can be found in the attached Demand to Comply letter.
Product: Mortgage

When I applied for the loan, on XX/XX/XXXX, I was told that it would take 30 days to approve and close on the loan. Then I was given a close date of XX/XX/XXXX, about 75 days. I let Wells Fargo know that that should have been made more clear before we began the process and I would do everything possible to get them the info they needed to expedite my loan. 

They would get my information, take a minimum of two weeks to review the information, sometimes a bit more, then tell me that they needed more information. I discussed these issues with a supervisor about three times. 

They never said yes, never said no. They just kept asking for more and more information. Then, about the time that the loan was supposed to close and they asked for more information, I told them that this was not working. I asked that a complaint be made on my behalf. And, I requested a refund for the appraisal cost. They refused the refund. 

Then I began to work with another lender. I asked if the appraisal that I had could be used in order to avoid paying for it twice. They gave me the requirements and I sent them to Wells Fargo. It was denied. 

Then I got a letter from Wells about my complaint and they gave me a contact. I discussed my request for the information to transfer the appraisal to my new lender, XXXX XXXX XXXX  XXXX, and she tried to get it done for me. I sent her the list of what was needed as I had sent before. 

She was supposed to have our complaint closed out by XX/XX/XXXX. They did not meet that deadline. However, I was told that they would meet our request. And, then they sent everything EXCEPT for one document. We asked them to send it. They refused. 

So, now, I spent additional time, had to pay to hold the rate lock on my refinance and still pay for another appraisal, all because Wells Fargo was not competent enough to handle a loan application in a timely and professional enough manner.
Product: Debt collection

To Whom this may concern, While reviewing my credit report on XX/XX/2020, I noticed an incorrect and fraudulent collection account from PORTFOLIO RECOVERY. I have no knowledge of this account nor have I done any business with this. I do not have a signed and dated agreement from PORTFOLIO RECOVERY. I am requesting you to provide validation for this debt. In addition, under the FDCPA, you are also to cease and desist from contacting me regarding this matter unless it is by the United States Mail. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed and validation is requested. This Agency has called my phone numerous times harassing me for an account that I do not owe. I advised supervisor I do not agree to debt and will be filing complaint due to harassment and the lack of professionalism. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the FCRA Violation of the FDCPA Defamation of Character
Product: Debt collection

I asked them to mail/email me a letter validating the debt. They never did. I called their office and spoke to an agent, who gave me the information regarding the debt, balance, and original creditor. I attempted to settle the debt on the company 's website but the transaction seemed scammy. Matter of fact, their entire website seems scammy. They ask for your bank card information and nothing happens. No acknowledgement of receipt. No confirmation number. NOTHING! I was also uncomfortable giving them my bank card information over the phone. I wanted to settle the debt myself. After the online payment fell through, I immediately canceled my bank card. Any legitimate debt collector would have multiple repayment options that include a MAIL-IN PAYMENT option. I refuse to give them my bank card information. Their website seems 'scammy '.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Did not reach out to me before sharing my information with credit bureaus. Violating Law 15 US Code 1681s-3 Companies must clearly and conspicuously disclose that they are trying to share information. Consumers must be given the opportunity and a simple method to prohibit the sharing of their information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for XXXX. Had my background check Done by your company. And the incorrect information seem to not have Uploaded on your side .I was just wondering why when at the same time I had applied for XXXX, And was accepted .The company checkr, I believe did not get an updated version of my background check.
Product: Debt collection

i got a phone all from an a debt collector that i was paying off medical bills then the night of the XXXX of XXXX they call me at XXXX XXXX. i have a screen shot of the time i received the missed call. my number is a Nevada number but live in Tennessee and that is where the medical bill is from as well.i have talked with these people in the past and they know that i am in Tennessee.
Product: Credit reporting 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 confidentially under 15 USC 1681.15 U.S.C 1681 Section 602 A. states I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) is reason to believe that the information is inaccurate and this account should be removed from my credit file. 

This Is in regards to Account # XXXX XXXX XXXXXXXX XXXX XXXXXXXX of {$5200.00} XX/XX/year>. 

in accordance with : 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, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

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

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 to believe that the information inaccurate and violating my federally protected rights. I'm respectfully requesting these accounts be deleted. Thank you for your time! Pursuant to the FCRA and the CFPB my rights are clearly in violation and Im requesting that these accounts and inquires also attached be removed accordingly and at your earliest possible convience!