23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/XXXX, XXXX XXXX The XXXX XXXX XXXX XXXX and its Subsidiary EMC Mortgage Corporation set me up in a Forbearance Agreement. Which I abide by and made my payments of {$350.00} each month. Then in the year of XXXX I was hired in the Bureau of the Census in XXXX, North Carolina as an XXXX  or another name is a XXXX XXXX XXXXXXXX. Why working on an assignment in the field a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  causing me to be injured and rush to the XXXX XXXX room. There I was put out of work. And I send letters to the EMC Mortgage Corporation Customer Representative explaining that I have XXXX XXXX XXXX XXXX Each representative gave me different amounts to send in my mortgage payments. I call the Supervisor of that EMC Mortgage Customer Service Representative he gave me a different amount to send to get current on my payments.

Later I received letters from that the EMC Mortgage Department stating the amount of payment was wrong. They told me the Customer Service Representative does not work here any more, and the other representatives have been reassigned to some other consumers. Then I received an eviction letter forcing me out of my home in less than 30 days. I am filing this complaint unlawful practices in servicing consumers ' home mortgage loans. And I am filing the complaint because I want to be reimbursed with interest of the money I lost on my home.
Product: Debt collection

Currently, as a federally protected consumer Im seeking proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Thus, absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine.

I am disputing the information directly with you, the furnisher of information, and I am requesting an investigation in the FCRA Section 623. The FCRA regulates how the credit bureaus handle your report under section 611 for accuracy { 15 U.S.C. section 1681-2. Any attempt to collect this debt without validation violates the FCDPA. ( FAIR Debt Collection Practices Act ). 

XXXX. Harassment or abuse XXXX. False or misleading representations XXXX. Unfair practices XXXX. Validation of debts * Please note that proper documentation is NOT a printout or bill from you but rather actual proof of the alleged debts existence ( original alleged contract bearing my signature ). Expeditious weekly updates are scheduled to be sent to the CRAs electronically. Lastly, please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracy on my Credit Reports. This account, ENHANCED RECOVERY CO L XXXX, is inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file.
Product: Credit reporting or other personal consumer reports

I followed your instructions to contact the company responsible for placing this inaccurate charge-off account on my credit report. However, despite my efforts, the furnisher did not respond to my inquiries I am writing in response to the verified no change letter I received regarding the charge-off account on my credit report. 
XXXX XXXX Account Number : XXXX Reason : Payment history is completely inaccurate across all XXXX credit bureaus. 
Instruction : Please Update to Pays Account As Agreed XXXX Account Number : XXXX Reason : Under 15 U.S. Code 1681 ( a ) ( 4 ) Consumer Right to Privacy Instruction : If you can not provide a 1099c as this account is written off, Then please delete it. 
XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX Reason : Account is showing a balance with a charge off as it's closed. please delete Instruction : Please delete this account immediately for failing to do your due diligence making sure everything is 100 % accurate on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went the XXXX  in XXXX, FL for a medical emergency back in 2020. As a XXXX XXXX XXXXXXXX veteran I am allowed to go to a community ER when no VA ER is available. On top of being treated like XXXX by the physicians on duty, after my visit I was billed for it. I notified the VA and was told the bill would be taken care of. XXXXXXXX XXXX billing department called me and I explained to them I was a XXXX XXXX  XXXX vet and the VA would pay my bill which to my knowledge they did. Under U.S. Code 38 sub section 1728 I'm not responsible for the bill. Now three years later I check my credit report and it's listed under collections on XXXX by Assetcare LLC however it's not listed on XXXX. It is showing an amount on XXXX of {$1300.00} so they need to remove this because it's not legit.
Product: Credit card

I have both an Ulta XXXX XXXX card. They are owned by the same credit card company, Comenity Bank. I have paid both balances off in full, and then received billing statements for overdue fees totally XXXX XXXX I called the credit card company explaining that the cards have been paid off in full and asked them why they are charging me all of these fees. They explained that there were several dollars in interest after the card was paid off that accrued on both cards. I was not aware of these charges and the fees kept compounding. I called to ask them to remove the fees and they said they would. I just received another bill in the mail. They still continue to send me bills for fees totaling XXXX, which I never charged. These are predatory practices and need to stop!
Product: Debt collection

NOTICE OF IDENTITY THEFT AND CONSUMER FRAUD PURSUANT TO VIOLATIONS OF 720 ILCS 5/16-30 ( a ) and 815 ILCS 505/1 ET SEQ NOTICE TO AGENT IS NOTICE TO PRINCIPAL, NOTICE TO PRINCIPAL IS NOTICE TO AGENT Re : Midland Credit Managements UNAUTHORIZED USEAGE OF PRIVATE IDENTIFYING INFORMATION BELONGING TO XXXX XXXX Addressing : XXXX XXXX Chief Executive Officer This letter is being sent in reference to any and all accounts and resulting files created and maintained by Midland Credit Management whereby private identifying information belonging exclusively to XXXX XXXX has been or is currently being used for commercial purposes and transactions without the expressed written consent of XXXX ; BANKS in violation of 720 ILCS 5/16-30 ( a ) and 815 ILCS 505/1 ET SEQ. 
( identity theft and consumer fraud ) Pursuant to 810 ILCS 5/ et seq XXXX XXXX or any other responsible agent of Midland Credit Management must produce or facilitate the viewing of an original contract signed in blue, wet ink by the legal representative of XXXX XXXX XXXX a living flesh and blood agent of Midland Credit Management and a non-interested third party as witness to said contract that may exonerate XXXX XXXX from the claims of identity theft and commercial fraud of which Midland Credit Management is being accused. 


If agents representing Midland Credit Management can not provide or make accessible the requested proof of contract within thirty days of their receipt of this presentment, then a check of {$9900.00} made payable to XXXXXXXX XXXX  XXXX on behalf of XXXX XXXX as a religious contribution will be accepted as compensation and no further legal action regarding this matter will be initiated nor further compensation sought regarding this matter. 

Should agents of Midland Credit Management choose silence as acquiesce in response to these heretofore mentioned allegations, a criminal complaint will be filed against XXXX XXXX with the XXXX XXXX XXXX and the CFPB, a summons issued and judgement sought for that initial {$9900.00} plus compound interest for every day beyond the thirty days given as a grace period in which proof of said contract was to be provided by Midland Credit Managements agents. 

All rights reserved without recourse /s/ : XXXX ; XXXX
Product: Credit reporting 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 COMMISION or https : XXXX/www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report, and mine was under reference # XXXX. Please find the ATTACHED documents to assist in the removing of the inaccurate address and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : XXXX : XXXX XXXX XXXX  XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -- -- -- -- -- XXXX : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -- -- -- -- -- TRANSUNION : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an 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

Equifax has my personal information incorrect, so I can not get a loan, a place to live, and I have lost a hard job offer because of this. I have submitted certified copies of bills, birth certificate, and social security cards to them, and they " lost them. '' I have been on the phone for hours with people who do n't speak  XXXX .     XXXX   just performed an investigation and removed  XXXX  of  XXXX  charge-offs from my account. My credit score dropped  XXXX  points over night, and again, no one at  XXXX  can speak  XXXX  or help me figure out how removing charge-offs causes a  XXXX  point drop.
Product: Credit reporting or other personal consumer reports

kickoff lending I have no knowledge of this account I called and spoke to someone about this being my account and to correct the mistake I was told it would be removed then a month later on my report this was open up on XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX, Maryland XXXX To Whom It May Concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : 1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX  # XXXX XXXX  XXXX, MD XXXX 3. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX 4. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, MD XXXX 7. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX 8. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, SC XXXX 10. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, SC XXXX 11. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX 12. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

13. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I used XXXX to pay a contractor for a fence on my property. I XXXX {$600.00} on XX/XX/year> to a contractor by the name of XXXX XXXX and his wife, secretary, XXXX XXXX working under the name XXXX XXXX. I also wrote a check for {$800.00} on XXXXwhich they cashed the following day. The contract was bogus, and the contractor did not do the work that was promised. He never came and did the job. After many attempts to resolve the issue with the contractor, I finally contacted my bank, JP Morgan Chase in regards to the issue. They failed to protect me as their customer. The bank decision that I was at fault because I wrote the check and made the XXXX payment. After getting denied, I attempted to reach out to the contractor for a final resolution and to ask for a refund since the work was not started. When I wrote the check, I contacted JP Morgan Chase and informed them of the situation and how I felt this whole ordeal felt dishonest.
Product: Mortgage

In 2009, I had a property financed with Bank of America that went into foreclosure. Despite the fact that the property was surrendered back to the bank, they are still reporting to the credit bureaus that I owe them XXXX in relation to this mortgage. I have tried to dispute this balance with the credit bureaus, but Bank of America continues to tell them that I owe them $ XXXX, despite the surrender of the property.
Product: Bank account or service

On two occasions, Wells Fargo intentionally ignored a wire transfer amendment from my issuing bank to my Wells Fargo ( XXXX XXXX, MN ) checking account, countered that they can not amend the wire transfer because they do not have the funds, but actually had the funds and withheld those funds from our checking account for two weeks, and then resent the funds back to the issuing bank minus a {$25.00} fee. Subsequently, I had to rewire those funds to my Wells Fargo account, and pay a whole new set of fees. 

This Wells Fargo scam of ignoring wire transfer amendments and blatantly lying about holding funds, all just to overcharge clients with multiple fees is just plain wrong. I have documented proof that Wells Fargo lied about the funds whereabouts and were withholding funds, all in an effort to avoid a simple wire transfer amendment, in order to steal from me ( either by ripping me off on fees, or possibly taking the whole {$1500.00} if I never insistently claimed to get the money back ). Shame on them. 

I tried to be reasonable, and only seek reimbursement for the fees charged after the blocking of the wire amendment/withholding of the funds. I did not seek damages for initial wire transfer fees, my time and frustrated efforts, or for the harm my son suffered for only having {$120.00} to live on for two weeks while Wells Fargo was withholding our funds. These fees in which I sought reimbursement were as follows : 1 ) XXXX XXXX : Wells Fargo {$25.00} wire fee for returning funds, Wells Fargo {$16.00} wiring fee for receiving same funds again, XXXX {$30.00} wiring fee for issuing funds again 2 ) XXXX XXXX : Wells Fargo {$25.00} wire fee for returning funds, Wells Fargo {$16.00} wiring fee for receiving same funds again, XXXX {$30.00} wiring fee for issuing funds again. 

For the XXXX XXXX period, I had already deleted my email to XXXX XXXX of the XXXX XXXX branch requesting a refund of inappropriate fees. But will provide documentation if needed. Relatedly, I can provide original documents for each of the fees from XXXX and Wells Fargo from XXXX XXXX and XXXX XXXX upon request. 

Thus, I claimed {$140.00}. Wells Fargo not only refused, except for possibly {$16.00}. But stopped corresponding and would not return my calls, hoping that I would forget about it. Well, I am not going away, and would like you to help me to make them pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2019 I sent out notarized dispute letters via certified mail to XXXX, Equifax and XXXX credit bureaus disputing the information with several creditors on my reports. I also sent out letters to the actual creditors, asking both the credit bureaus as well as the creditors for original signed consumer contract as stated in Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Report Act.

After no response or verification from either the creditors nor the bureaus, I sent more notarized certified letters out dated XX/XX/2019. Again, I did not get any verification of ANY signed consumer contract as stated in Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Report Act. 

On XX/XX/2019, after still NO VERIFICATION and NO RESPONSE from either creditor or the Bureaus, I sent another round of letters asking for verification as stated in Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Report Act. AGAIN  FRUSTRATINGLY WITH NO RESPONSE!!! 

On XX/XX/2019, AGAIN,, I sent a final round of letters as a final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve continued violation of the Fair Credit Reporting Act regarding refusal to delete UNVERIFIED information from my consumer file. AGAIN NO RESPONSE!!! 

The unverified accounts on my record have damaged my good name by not allowing me to obtain credit. I know for a fact that all of these letters were delivered and read by all parties they were sent to, and still i had not received any consumer signed contract as verification as stated BY LAW these entities MUST PROVIDE ME. 

I'm past any resolution on this matter and demand that ALL INFORMATION be deleted that was not verified, including all hard inquiries. These supposed creditors and the XXXX main credit bureaus have had 81 days to respond to my legal demands and have failed to do so. I'm writing this complaint as an initial request to make this right before I pursue legal action. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I, XXXX, received a letter from Law Office of John E. Lindner, P.A On XX/XX/XXXX 2016 dated XX/XX/XXXX, 2016 on behalf of XXXX. The letter stated that I owed {$680.00}. It also stated that I had 30 days to dispute the debt in writing. I sent a certified letter on XX/XX/XXXX, 2016 and was signed for on XX/XX/XXXX, 2016. I have not received a response from XXXX office in writing as of today. I received a call from a XXXX at ext XXXX in XXXX office on XX/XX/XXXX, 2016 stating that they had not mailed a response to my letter as of yet. She was just given my letter and told to call me to see if we could go over my payments that I had made and that they had filed suit on XX/XX/XXXX, 2016 as well as add {$34.00} to my account for the suit. She said she was going to talk to someone about the suit in her office. She sounded surprised they had filed suit. She also stated she was going to mail me out a statement of my account. I received a letter from them on Friday XX/XX/XXXX, 2016. Imagine my surprise when I opened it up and it stated the since they did not receive a response to their letter they were moving forward with the suit as soon as they received the court fees from their client. I was not disputing that I owe the hospital money. I have been making monthly payments of {$25.00} since I received the bill. I am disputing the amount this lawyers office says I owe. They applied a payment I made on this account to my account ( which is now paid ) I told them 3 times to apply it to the right account. Yes I indicated this account number on my check. Another violation of Fair Debt Collection Act. They received my letter not only did I get a call from his office saying so I also have the receipt from the certified letter. They have violated the Fair Debt Collection Act at least 3 times in this whole process. I also have all my cancelled checks. Your help with this matter would be greatly appreciated. It is hard enough on families with the cost of insurance and these ridiculous deductibles. I am at least making payments. I also contacted the XXXX in Maryland. They said this Law Firm is n't licensed in Maryland.
Product: Credit reporting or other personal consumer reports

The unverified account indicated below continues reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. I need the listed account to be deleted from my file right away XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4000.00}.
Product: Credit reporting or other personal consumer reports

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand XXXX XXXX  to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been waiting for some time, but the 3Credit Bureaus haven't given me any form of response, so I've decided to ask you for help. They have been careless and have refused to do as I have asked. I am very certain that they must adhere to the Fair Credit Reporting Act law, present documentation and proof, and provide definite and accurate answers within the allotted statutory time. However, if they did not, they are required to correct or remove the inaccurate and unconfirmed items. My credit scores have suffered a great deal as a result of their negative and unacceptable behavior. Please find the items that concern me below : 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
Product: Payday loan, title loan, personal loan, or advance loan

I filed a dispute with XXXX on XX/XX/2024 regarding an issue with getting a loan that I obtained to purchase a product from XXXX XXXX merchant on XX/XX/2024. I sent an e-mail on XX/XX/2024 and XX/XX/2024 to ask for the product to be delivered. I received no answer. I subsequently sent a follow-up to cancel the request on around XX/XX/2024 to cancel. I have received no response from the merchant as of XX/XX/2024. 

As such, I submitted the previously mentioned dispute on XX/XX/2024 with Affirm, in which they resolved the dispute in the merchant 's favor on XX/XX/XXXX with no explanation. I sent a request online with an online chat rep for a reason on XX/XX/XXXX and they mentioned I would get an update within XXXX days. I have yet to receive a reason for the decline. I have since followed up with a phone call on XX/XX/2024, to request a refund for the XXXX loan and an explanation of why the dispute was resolved in the merchant 's favor, since I haven't received the product I got the loan for the date. XXXX  is threatening me with reporting me to the credit bureau for a product that I haven't received. 

I have sent to XXXX a copy of the XXXX e-mails that I sent to the merchant.