23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting Act. The list of accounts below have 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX 15 USC 1681 section 602a States I have the right to privacy.

15 USC 1681 section 604a section 2 It also states a consumer reporting agency can not furnish an accurate without my written instructions.

15 USC 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 years.

15 USC 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.
Product: Credit card or prepaid card

I have a Bank American credit card. I had a balance of {$420.00} I made a payment of {$42000.00} I do not know how I use Bill pay from my bank. The same day I made that big payment I do not how. I payed the {$420.00} payment which shows I did not know I had made that big payment. They got that payment on XX/XX/XXXX. I noticed my check account was wiped out on XX/XX/XXXX seen it went to Bank American. I called them and after 45 minutes phone call I got that it would be refunded to my check account. I called almost every day from then on. I have been told it would be in my bank account 3-5 days then I was told 10 days, then I was told 30 days. 2 weeks ago it finally left my credit card and the {$42000.00} had left my credit card account ( this account it closed now XXXX I also recieved a letter from Bank American on XX/XX/XXXX that that money is being transferred back to my checking account. It never did. So I called again Now all phone calls I have waited 35 to 60 minutes to talk to anyone then I start over with the story and they find someone who is to know something coming back to me with another date the money will be in my account. I have asked over and over what is the number of the account you sent it to and no one can tell me. I was promised last Wed XX/XX/XXXX and I was promised that it takes 10 working days to refund that money and it would be in my account on XX/XX/XXXX. It is XX/XX/XXXX and I still do not have the {$42000.00}. I can not pay my health insurance, life insurance, utility bills, car insurance nothing. They have all my money. And no one can tell me where it is. They have had my {$42000.00} for 26 days. I had a bill of {$420.00} with a credit card limit of {$25000.00} I do not know how the credit card alarms didn't go off with me paying that much. I get an text and they won't let a transaction to gothrough if I make a {$25.00} payment over the state line. I do not know what to do I am beginning to think there is some scam going on with my money Please help me this could ruin my perfect credit rating and I can not live with out my money. XXXX XXXX XXXX the last 4 digits of my credit card that is closed that this money was in is XXXX
Product: Credit reporting or other personal consumer reports

The account open date it's incorrect it show XX/XX/XXXX that account was open on XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Creditor : XXXX  Account # : XXXX Creditor : XXXX XXXX  Account # XXXX 15 U.S.C 1681 sec . 602 ( a ) states that I have the right to privacy 15 U.S.C 1681 sec. 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) 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 related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account does not belong to me. This account is fraud. Please delete it immediately.
Product: Debt collection

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) XXXX SW 715 719 | May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists. I dont own this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the consumer, original creditor, and natural person. 

Pursuant to 15 USC 1681 ( a ) ( 4 ), Lexis Nexis infringed upon my right to privacy by publishing alleged negative information from third parties on my consumer report and sold it to XXXX, XXXX, XXXX, and XXXX. 
Pursuant to 15 USC 1681b ( a ) ( 2 ), Lexis Nexis never received written instructions from me, nor does it have permissible purpose to furnish a consumer report about my alleged credit accounts with XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX or XXXX. I also never provided Lexis Nexis with written instructions to furnish alleged inquiries on my consumer report for : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My complaint is that I have documentation with a final payoff statement that took me XXXX separate requests to obtain ( good through XXXX XXXX, 2015 ), my checks that were cashed ( written XXXX/XXXX/15 and cashed XXXX/XXXX/15 ) and the final {$41.00} fee for transfer and release of title, yet Freedom Mortgage refuses to close out the mortgage loan and is now charging random and ever-changing amounts to close the loan. They cashed, but have not applied the {$41.00} check, nor have they sent it to the county. Their own continued statements indicate no further principal or interest owed. Their documentation and billing has been inconsistent, causing me to pay a late fee of over {$50.00} at one point, despite making double payments, early payments, and paying the refinance off years early. Their own agent, badge # XXXX, verified that a system error had not credited payment properly and that the escrow for taxes was fully paid as well. He assured me that the {$41.00} fee and charge that was listed without explanation was, in fact, for the transfer of title deed needed to closeout the loan and that would be forwarded to the county. He clearly stated and restated that the {$41.00} fee was the only remaining amount owed to close out the loan. They have excessive hold times of over XXXX mins, refuse to answer questions, provide competent assistance and hide behind layers of voicemails and automated options. I asked to speak with a manager and was told he " did n't know if one was available. '' I was transferred to a voicemail, left a message and a full week later received no response, no email, no call back. The automated balance, written balance, on online balance all reflect differently. In XXXX, I checked with the county and they indicated that the mortgage company had not yet forwarded {$41.00} payment ( made on XXXX XXXX ), they advised that I investigate, as the company had a limited amount of time, less than 60 days, to transfer title, or they actually owed us {$500.00} by law. When I called Freedom Mortgage last week and spoke with badge # XXXX and # XXXX, I was given yet a third amount that I owed, another amount of late payment now appears on my credit report, and I am justifiably XXXX. I want this resolved immediately, and this company audited, as I see numerous similar complaints about them online. How is this possible?! It is mob-like behavior and somehow they are getting away with it! My husband is a XXXX veteran of 26 years and it is soundly unfair that he be treated this way. The false billing smacks of mail fraud and the lack of response from the company, the lack of investigation is disturbing. I request that a certified accountant look into their business practices because it appears that this company is manipulating funds.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, XXXX XXXX I sent a payment of {$30.00} to the seller ( scammer ) because that was how much the product and shipping were. On XXXX XXXX : XXXX XXXX  the seller said that the package was on hold and that I have to pay {$30.00} more to have it arrive by Tuesday, other than that I had to wait 6 weeks. I didn't accept his offer and waited until XX/XX/XXXX, XXXX XXXX, he asked for his tip before I had received the product, I said no to that, till he said that I had to pay him {$19.00} for shipping because he said he had paid it for me, this was around XXXX on XX/XX/XXXX. Soon on XX/XX/XXXX, XXXX XXXX, he said that he ordered a package that I assume was related to mine and said he needed {$60.00} to repay for some shipping problems, which I reluctantly agree or he would have the power to deny the package to me. After that, he decided to run off with the money by blocking and cutting contacts. I have evidence of these transactions and messages, plus contact info of him. So may please read this and keep the mind of this. I don't like people who would scam during a pandemic that took away tons of jobs while he just scams and gets the money. I can send the evidence through email because there is a lot of it, so I want to be able to send it all through XXXX XXXX at once.
Product: Debt collection

ON XX/XX/XXXX, THE ATTACHED LETTER WAS RECEIVED BY THE COLLECTION AGENCY, CREDIT COLLECTION SERVICES REQUESTING THAT THEY VERIFY THAT THIS DEBT BELONGED TO ME AND THAT I WAS OBLIGATED TO PAY. IT IS NOT XX/XX/XXXX, AND I HAVE NOT RECEIVED ANY NOTICES OR RESPONSE FROM THE COLLECTOR. I FEEL THIS IS A STALL TACTIC AND A VIOLATION OF MY RIGHTS AS A CONSUMER. THIS DEBT CAN NOT BE VERIFIED BECAUSE IT IS NOT OWED.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX, XXXX Account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX  account # XXXX, XXXX  XXXX account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past several years I have been in contact with the agency to report the account as being opened fraudulently by my ex husband who I have formally brought charges against for the financial, emotional, and physical XXXX I endured during the marriage. I've gone as far as asking for the supposed " contract '' they claim I signed and what they sent me wasn't even my correct name. I've disputed the account on every credit bureau available to me. They still refuse to help clear my name, credit worthiness, and validity as a victim of financial XXXX  by removing the fraudulent account, further traumatizing me and ultimately delaying my ability to obtain the financial support I so desperately needed to escape my XXXX. I've included some of the documents I receive on a regular basis regarding the charges I have taken out on my XXXX to further solidify my identity as a victim of XXXX in many forms, financial XXXX being one of the many.
Product: Debt collection

XXXX XXXX XXXX XXXXXXXX MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MI XXXX Re : Account # XXXX To Whom It XXXXay Concern, I hope this message finds you well. I am writing in response to a recent debt collection letter from your office regarding an alleged debt. I do not recognize this debt, and I am formally requesting validation in accordance with the Fair Debt Collection Practices Act ( FDCPA ).

To clarify this matter, please provide the following : 1. Creditor Information : The name and address of both the original creditor and the current creditor.

2. Debt Verification : Documentation verifying the amount you claim I owe and proof of a valid contract establishing this debt.

3. Assignment Records : Copies of all assignments or transfers demonstrating the chain of ownership of this debt from the original creditor to your agency.

4. Proof of Securitization : Evidence that this debt was securitized by the original creditor, as stipulated in the Truth in Lending Act ( TILA ).

5. Assignment Details : Documentation of any assignments of the debt from the original creditor to any secured trust and any subsequent transfers.

Until you have provided the requested validation, I respectfully request that you cease all collection activities related to this account. If you can not provide sufficient validation, I expect the account to be removed from your records.

Additionally, please refrain from accessing my credit report or reporting this disputed debt to any credit bureaus. If this alleged debt has already been reported, I request that my dispute is clearly noted in the report.

Permissible Purpose Please clarify the permissible purpose under which you accessed my credit information, as I dispute the validity of this claim.

If you choose to transfer or sell this account to another agency, please inform them of my dispute regarding this alleged debt.

Thank you for your attention to this matter. I look forward to your prompt response to resolve this issue amicably. 
Best regards, XXXX XXXX XXXX
Product: Credit card or prepaid card

I was waiting on a credit card from Lexington law firm, but I've never received the card in the mail in order to help build my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

my applicant was decline approval base on my location and a negative inquiry was still file offending my score.
Product: Credit reporting or other personal consumer reports

I am writing to you for this time regarding the accounts listed below that continue to appear on my credit report. Despite my repeated attempts to have these inaccuracies corrected, these accounts remain on my report, negatively impacting my credit score and causing me undue stress and hardship. I am once again formally requesting that these accounts be permanently removed from my credit report. This request is made under the provisions of the Fair Credit Reporting Act ( FCRA ), which obligates credit reporting agencies to ensure the accuracy of the information they report. These are the following accounts : XXXX. XXXX XXXX Balance Owed : {$0.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. 

XXXX. XXXX XXXX Balance Owed : {$0.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 

XXXX. XXXX XXXX Balance Owed : {$0.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

XXXX. XXXX XXXX Balance Owed : {$0.00} - Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. 

XXXX. XXXX XXXX Balance Owed : {$0.00} - My record shows that this account was paid as Agreed and I never missed a payment. Please update it immediately. 

XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} - The number of late payments is incorrect. I never missed a payment. Please adjust immediately. 

XXXX. XXXX XXXX XXXX Balance Owed : {$0.00} - XXXX requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. 

XXXX. XXXX XXXX XXXXalance Owed : {$200.00} - The limit to this account was a fraction of the amount due as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately. 
Listed below are the Personal Information that are being challenged : Employer - XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, GA, XXXX Employer - XXXX XXXX Incorrect DOB : - XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX, GA, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Listed below are the Accounts that are being challenged : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged : XXXX FIN - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged : XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXXXXXX ONEMAIN - XXXX GA OWN CU - XXXX CAP XXXX NA - XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX I am writing to bring to your attention my knowledge regarding your unlawful practices involving the distribution of standardized letters as responses to consumer disputes and challenges, without considering the specific details provided by each individual. Such actions are in direct contravention of the provisions outlined in 15 U.S. Code 5 1681i, which explicitly mandates that every dispute and challenge must be treated independently and evaluated on its own merits. I wish to emphasize that the letters I have submitted were generated using widely accessible software. Therefore, failure to process these letters would represent a violation of my rights as a consumer. Regrettably, I must view such non-compliance as a deliberate disregard for my rights, leading me to seek legal recourse by engaging the services of a lawyer. 

I conclude my communication with you with a genuine sense of professionalism and sincerity. 

My First and Last name is : XXXX XXXX
Product: Credit card or prepaid card

I had 3 fradulant transactions taken out of my cash app account on XX/XX/XXXX. In the amount of XXXX. I contacted cash app on that same day. They opened an investigation. I have contacted them weekly I was told they have 45 days to refund me. I waited patiently. When the 46 day came I got an email stating they see no error on my account. Cash app is a prepaid card that should never go in a negative status and due to this company XXXX  XXXX coming into my account just making back to back withdrawals now my account is. This has been very nerve wracking and cash app has been no help.
Product: Mortgage

Due to extreme hardship and unjustifiable increase in my escrow payment, I defaulted in my mortgage payment. Subsequently, PHH Mortgage predecessor mortgagee commenced a foreclosure proceeding against my property. I interposed an answer and i filed a modification application in my efforts to keep my home. On or about XXXX/XXXX/20, PHH Mortgage approved the modification application after two years. In consideration thereof, I was required to pay a monthly payment of {$2100.00} from XX/XX/XXXX2020 through XXXX 2020. I made all the required payments for the trial period and payment were accepted by PHH Mortgage. 

Subsequently, PHH Mortgage alleged that a title search was conducted and a tax lien was recorded against my property by The XXXX of XXXX XXXX. I promptly made the payment on XXXX/XXXX/20. However, due to the pandemic and specifically because most city employees worked from homes the Notice of Warrant Satisfaction was not prepared and filed expeditiously despite my request that time was of the essence. On XXXX XXXX, 2020, the XXXX XXXX XXXX Department of Finance processed and filed a satisfaction of Judgment with XXXX County. However, on XXXX XXXX, 2020, PHH mortgage denied and cancelled the modification agreement signed and completely performed by me in that I had already paid the three months trial period payments. 

PHH Mortgage in total regard to the prevailing pandemic in the country wherein most offices are not working at their full capacity unconscionably denied my modification application predicated on the fact that the XXXX of XXXX XXXX delayed in processing the Satisfaction of the within tax lien. 

It is noteworthy that I am not in violation of the modification agreement in that satisfaction of the aforesaid tax lien was not a condition precedent to have a final modification agreement. Also, I promptly made payment to the XXXX to satisfy the lien and the delay in filing satisfaction of lien was not my fault since I don't have control over the internal operation of XXXX XXXX XXXX Department of Finance. 

It is submitted that the PHH mortgage decision to denied and cancelled the modification agreement which they prepared and signed by me is capricious, arbitrary, unconscionable and breach of the same agreement since satisfaction of tax lien was not a condition to a final modification agreement.
Product: Debt collection

M. Richard Epps P.C. and XXXX XXXX XXXX bought a contract from XXXX XXXX XXXX XXXX XXXX, that the original Creditor XXXX XXXX XXXX XXXX XXXX had Written Off Profit and Loss with a {$0.00} balance. XXXX XXXX XXXX XXXX XXXX only reported accurately to XXXX Both XXXX and XXXX report the account CLOSED/DEROGATORY with a balance but no Closed Date. Originally, the account was Open XXXX XXXX and Closed XXXX XXXX, the vehicle was repossessed around XXXX XXXX and sold at an Auction. The reason that this Debt is not mine is because the original Creditor XXXX XXXX XXXX XXXX XXXX only reported accurately to XXXX that the Account was CLOSED/DEROGATORY Written Off Profit and Loss with a {$0.00} balance. Also, the Original Creditor XXXX XXXX XXXX XXXX XXXX shutdown as of XXXX XXXX. How can XXXX XXXX XXXX XXXX XXXX continue to report fraudulent account activity to XXXX and XXXX. Also, XXXX XXXX XXXX XXXX XXXX can not report to XXXX because the Account Open and Closed Dates will be Unlawful and Unfair and they would have to commit forgery of my Signatory as well as Generate a Contract. I 've hired XXXX Law Firm, Although they can not represent me, they were able to Challenge both the Creditor and XXXX and remove Negative Items. XXXX XXXX XXXX XXXX XXXX was Removed from my XXXX Credit Report on XXXX of XXXX with a Balance of {$0.00}.