23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

MEDICREDIT, INC # XXXXXXXThis is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OFCLAIM made pursuant to the above named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. 
Furthermore you shall cease all verbal communication. No phone calls to the Claimant. At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus, such as, XXXX, XXXX  and XXXX XXXX prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. Due to this fact ; if any negative mark is found on any of Claimant 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 account MEDICREDIT, INC # XXXX
Product: Credit card

On XX/XX/year>, the company XXXX charged my debit card with a transaction of USD XXXX. I didn't notice this fraud because the bank never sent me a notification. On XX/XX/year>, this company again tried to charge me USD XXXX XXXX times. This time, I received a message from Bank of America to confirm the transaction, so I responded with " no '' in the app. Despite this, the transaction was approved by the bank, and the company charged me the USD XXXX in addition to the earlier USD XXXX. 

I called in the early morning of XX/XX/year>, around XXXXXXXX XXXX to report these transactions as fraudulent because I did not authorize them. They gave me a claim number : XXXX XXXX. 

On the afternoon of XX/XX/year>, I called the bank again to find out the status of the claim because I had not yet received my money back. The representative said that my claim was denied because, according to them, there was no use of aggressive force on my account and the person who made the transaction knew how much money was in the account. This is untrue because they tried the second transaction four times, and the bank approved it even though I had declined it. They also state that I continued to use the account normally after the USD XXXX transaction on XX/XX/XXXX. This was because I had not been aware of the transaction until XX/XX/XXXX, when they sent me the message for the USD XXXX transaction, which I declined. After the XXXX transaction the account had not use and I reported the transaction on time. 

On XX/XX/year>, I responded with a letter to reopen the claim and faxed it to ( XXXX ) XXXX, explaining the reasons why it was not me and why their reasons for closing the case were invalid. I also stated that they had violated the correct procedure. ( Attached is the fax that I sent. ) The dispute lasted only eight days before they canceled it for the reasons mentioned, which is a violation of my rights and the law. They did not give me a temporary credit for my money and never revoked the transaction from the merchant. Everything was handled internally, which is a violation because, by law, they must contact the merchant about the disputed transaction, and the merchant has 60 days to respond. This is the correct process to follow. They can not reach a decision without first completing the proper process because this violates my rights as a consumer and the laws. 

After I sent the fax appealing the decision, today they closed the claim again, this time without any explanation. 

I am asking that the correct process be followed and my money be returned because I did not make these transactions. This is an injustice and a violation of my rights and consumer protection laws.
Product: Credit reporting or other personal consumer reports

Good Afternoon : A Bankruptcy Account is still reporting upon my Personal Credit Report, after and beyond a legal duration of 10 ( TEN ) Consecutive Years. With that said, this particular account should of deleted this pastXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. 

Moreover, via Consumer Law ; theoretically, this account should be purged from my report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Englehardt Vs. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

TRANSUNION, XXXX, XXXX
Product: Credit reporting or other personal consumer reports

How can a clear inaccuracy on a consumer report be verified? XXXX believes that I have been late however both XXXX and XXXX show no record of me being late on the account. My records do NOT indicate that I was ever late. See attached. I demand verifiable proof that I was ever late.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX repo my car In XXXX  OF XXXX. THIS WAS ILLEGAL AND THIS CAR WAS PAID FOR OUT OF MY XXXX XXXX XXXX XXXX. THE XXXX ACCOUNT. YOU TRY TO GET PAID TWICE. DOUBLE DIPPING. NEVER GAVE ME MY XXXX FORM FROM REPO MY CAR. I FILED A XXXX FORM TO THE IRS. AND XXXX FORM. NEVER GOT MY XXXX XXXX FROM THEM. THEY PUT FALSE PAYMENT ON MY CONSUMER REPORT. XX/XX/XXXX {$250.00}. PROVE THIS PHONEY TRANSACTION.
Product: Credit card or prepaid card

Kohls doubled my monthly minimum on an account that has remained with a relatively consistent balance without explanation. Ending with my XX/XX/XXXX bill, the minimum payment had been around {$43.00}. On XX/XX/XXXX, I owed for both XX/XX/XXXX and XX/XX/XXXX and paid {$120.00} through the XXXX. At that time the XXXX indicated I was due for {$80.00}, even though my XX/XX/XXXX payment was due on the first. I paid the {$120.00} believing it would cover XX/XX/XXXX and XX/XX/XXXX. The minimum payment moved from {$43.00} in XX/XX/XXXX to {$80.00} in XX/XX/XXXX, to {$82.00} in XX/XX/XXXX, and again in XX/XX/XXXX. I called Kohls to inquire about the increase in my minimum due to try to receive an explanation. Instead, I was told I was not entitled to it and left on hold for over 15. 

During my first call I was told that it was because myXX/XX/XXXX payment was a day late. In reviewing my account information, I demonstrated to the agent that there were late pays in the past which did not result in an increase in the monthly balance. We next reviewed how the account balance would affect the minimum, and agreed that my balance had not increased. She could not figure out why the minimum doubled and attempted to get me to a Supervisor, after XXXX minutes of hold music, I was transferred to a voicemail box. 

On my second call in, I was told the same thing about XXXX payment, and proceeded to correct the agent, I asked the agent several to provide me the numerical factors by which a minimum payment it is calculated. I was told it was on the statement. When I asked to review the statement the agent could not tell me where on the statement this information could be found. Ultimately, it was explained that I am not entitled to the information that comprises how my monthly payments are calculated. He stated, it is based on numerous factors none of which can be numerically disclosed.
Product: Credit reporting or other personal consumer reports

Experian is furnishing accounts on my consumer report that is a result of an alleged identity theft. The accounts are information that does not relate to any transaction by myself, and I did not benefit from the transactions. I sent Experian written correspondence which included my proof of identity, an identity theft report, identification of such information, and a statement as the law requires. They are required to block and delete these accounts within XXXX business days of receiving my notice.
Product: Student loan

I sent a request to MOHELA for information on my PSLF history to be updated or instructions to update the information on XX/XX/XXXX. Their site says 3 business days for a response. Other sources say it could take up to a month for a response. I waited until XX/XX/XXXX before sending another message requesting the same information. I still have not received a response. I sent another message today, XX/XX/XXXX. I am now taking the complaint to the CFPB to hopefully get somebody's attention at MOHELA. 

PSLF requires 10 years of qualifying payments. I have been paying since XX/XX/2013. I have worked in XXXX XXXX since XX/XX/2013. I have certified my employment. They claim all of the payments I made since XXXX were not qualifying because I had no charges due. I can assure you they absolutely were due and were paid. I have done my due diligence and am being ignored by a company that likely gets paid XXXX  if not XXXX of tax dollars to service my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few listings on my credit report that never happened. I have never heard of XXXX XXXX. I am not sure why are they coming on up my credit score saying I owe them money.. It states as of XX/XX/XXXX I owe them {$590.00} and {$260.00}. The listing for {$590.00} is dated for XX/XX/XXXX. The listing for {$260.00} is dated for XX/XX/XXXX. As i stated earlier in this complaint, I have never heard of this company so I am confused as to how is it that I owe them any money. They have never tried to contact me via mail, email, or telephone. I have read some reviews which states that this company is fraud. I would like this to be looked into. Also is there anyway possible for me to get a validation letter of everything listed on my credit report, because everything listed on my credit report are all from companies in which I have never heard of or recieved anything from.. I have two from listings from XXXX XXXX which are {$2000.00} and {$660.00}. The {$2000.00} listing date is from XX/XX/XXXX and the {$660.00} listing date is XX/XX/XXXX. I have never heard of them before. Lastly, I have a listing from XXXX XXXX XXXX for {$380.00} and the date is XX/XX/XXXX..
Product: Mortgage

SHELLPOINT MORTGAGE - RIDICULOUS ESCROW AMOUNTWe recently purchased a new home and used a loan officer. He basically went to several banks to see where we could get the best interest rate, etc. Ultimately the mortgage is with ShellPoint Mortgage. Since day one they are charging us a ridiculous amount for an escrow payment. We, my husband, myself and our loan officer called them XXXX/XXXX/2015 and requested an escrow analysis be done. It is now XXXX XXXX, 2015 and every time I call they tell me they will get it to their supervisor to process today. Never happens! I have called almost every week and get told the same thing. Please help.
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 confidentiality under 15 USC 1681. has violated my rights. Or a list of inquiries : 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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

My equifax scire dropped significantly in late XXXX and the reason XXXX XXXX reports reported the change was due to a change in or use of another name on my credit file. The error was reported by Equifax and I obtain the information by reviewing XXXX XXXX   free credit file. I disputed the name XXXX XXXX because I do not use XXXX XXXX on any accounts or credit. My name is XXXX XXXX XXXX- XXXX . 
I immediate feltt this could be fraud trying to open up accounts in an alternative name using my information. I also saw an address XXXX Ill where I never lived. I disputed both and ask that they be removed. 
Next the Dispute letter was to Equifax and I listed my XXXX XXXX XXXX, GA address. 
Apps 2-3 weeks later I got a letter written to me requesting my identification. No problem But the request was sent to XXXX XXXX XXXX XXXX XXXX Ga XXXX ( note this was a XXXX home purchase where I had closed in XXXX but had not moved into the home was vacant ) The letter set in the box and as I was moving I notice it later that month And responded to the documents they requested. I didnt have a deed to verify new address do u sent closing documents I sent my military ID because I dont have GA Drivers License and I sent copy of my Socisl security number and restated my complaint and question them why they didnt respond back to XXXX XXXX because ... .the mail could have set there for weeks because I had not changed address and not moved. 
After this letter and response.i gut a letter sent to XXXX XXXX XXXX Ga address early XXXX stating they cant verify my identify nothing about my dispute. 
It is now XXXX still dont have the wrong information removal and no resolution I feel I am getting the run around and my score remains lower affecting my ability to obtain additional credit the dental work because the Equifax score is lower
Product: Credit card or prepaid card

Discover card company added a so called " payment protection fee '' into my account since 2006 without any types of permission from me. I was charged this kind of fees since then which I just found it until recently, I never checked my monthly statement in the past 12 years until XXXX weeks ago .... 

I assume that any service or products offered by credit card company can only be added into/charged into clients ' account with confirmation from customer.
Product: Debt collection

A company named XXXX at XXXX is contacting my place of employment
Product: Credit reporting, credit repair services, or other personal consumer reports

A charged off account can not have a 150 % usage. The usage must be changed to 0 %. This is for first premier bank. This has already been disputed with Experian.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy and completeness of several items on my Experian credit report, generated on XX/XX/XXXX. As outlined under the Fair Credit Reporting Act ( FCRA ), specifically 611 ( 15 U.S.C. 1681i ), you are required to conduct a reasonable investigation into any disputed items and provide me with the method of verification ( MOV ) for how each item was validated. Experian has failed to do so and on several of my previous complaints they stated they could not locate my credit report, or that the accounts were accurate but they failed to send me a Method of verification on their investigation and when I call to see if they received my MOV they state they have not its outrageous The following items require immediate investigation and correction or deletion if verification can not be provided : 1.Account Name : XXXX XXXX XXXX 
Account Number : XXXX Issue : Charged-off status with an outstanding balance of {$100.00} as of XX/XX/XXXX. The account reflects consistent charge-off entries without documentation to validate the debt or proper investigation of prior disputes. 

2.Account Name : XXXX XXXX XXXX XXXX 
Account Number : XXXX Issue : Charged-off status with a past-due amount of {$230.00} as of XX/XX/XXXX. This account was previously disputed, yet no method of verification was sent to me. 

3.Account Name : XXXX XXXX XXXX Account Number : XXXX Issue : Charged-off status with a balance of {$960.00}. Despite reporting numerous late payments, Experian failed to validate the accuracy of these derogatory entries when requested. 

4.Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX ( No account number shown on report which is a violation, I have attached my Experian report with proof ) Issue : This account shows two late payments before closure. The investigation results for prior disputes are incomplete, and no method of verification was provided. failure to comply with 15 USC 1666B ( a ) while account was open.

I request that Experian : Verify the Accuracy : Reinvestigate the items listed above, contacting the original data furnishers to obtain documented proof of their reporting.

Provide the Method of Verification ( MOV ) : As per FCRA 611 ( a ) ( 7 ), provide me with the name, address, and telephone number of each furnisher contacted during the investigation.

Correct or Delete : If the items can not be verified within 30 days, you are obligated to delete or correct them under FCRA 611 ( a ) ( 5 ).

In addition, I am providing copies of my credit report, identification, and any supporting documents to facilitate your investigation.

Experian has failed to comply with these obligations, I reserve the right to pursue legal remedies, including filing this complaint with the Consumer Financial Protection Bureau ( CFPB ).
Product: Debt collection

Portfolio Recovery is stating I owe a debt of {$3700.00}. I do not have a signed contract with this company nor have I ever done business with them. I am not liable for collection from this debt from XXXX XXXX. I am not responsible for this debt with Portfolio Recovery
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed a report with XXXX  XXXX  and Equifax of inaccurate items being reported on my credit reports. NONE OF THE THREE BUREAUS REMOVED THE INACCURCIES. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of the debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being reported on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipts otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by The Fair Credit Reporting Act and Fair Debt Collection Practices Act.
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 items : 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 Balance : {$880.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$750.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$9000.00}, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$99.00}, XXXX XXXX XX/XX/2022, XXXX  XXXX  XXXX XX/XX/2022
Product: Mortgage

Miss appropriated payments : We have a mortgage on our house in Utah that we got through XXXX XXXX credit union. It is being processed by Dovenmuehle out of Illinois. 
We have been trying to pay down our loan by paying an interest only payment about every other month. Numerous times the payment is not posted to principal even though we have done what both institutions ask us to do by writing on check and marking payment boxes online that state clearly that the extra payment is for principal only. ( Our monthly payment is always a timely auto deduct / draft and has never been late. ) Our last payment of {$8000.00} was once again applied wrong. A portion went to principal, interest and escrow. Our home balance at that time after posting it their way was {$80000.00}. After correcting their mistake and posting the {$8000.00} toward principal only, our new balance was {$79000.00}. A difference of {$620.00} ( deduct the reversal of escrow account ) we still were behind {$310.00} their way. 
We have been told that our account has been marked special and we would never see the problem again. That was XXXX problems ago.. 
It 's amazing to me that our account : " XXXX '' have been marked special when they ( Dovenmuehle ) process over a million home loans a year. It begs the question : How many Americans are being fleeced by this action ( non-action ). 
Can we sue them for this or even instigate a class action suit? There should be some regulation to insure principal payments are just that and protect people like us, who nearing retirement age, need to pay off their homes as effectively as we can. 
Please let us know what can be done. We have documentation and tape recordings of conversations with both institutions. 

P.s. ..XXXX, now 5 months later and again they have miss appropriated our funds. XXXX payments XXXX {$10000.00} and the other {$7000.00}. They both got divided up with interest and they did n't accept the auto draft for the two months payments. Help!!!
Product: Debt collection

In XXXX XXXX XXXX XXXX XXXX , XXXX, in XXXX XXXX, CA, who was representing XXXX, filed a lawsuit against me for a debt for a credit card I had originally with XXXX. Since I was unaware of XXXX right to collect on this account, I requested validation of the debt. However, I received no response even after filing my answer to the court and even through the " discovery '' phase. Now, XXXX years later on XXXX XXXX, XXXX, XXXX is now representing the buyer of this debt, Cavalry SPV I , LLC, and has filed a " Memorandum for Trial Setting '' on this debt, which is now time barred according to last-payment information on my credit report. According to my credit report, the last payment I made on my XXXX account was XXXX XXXX, XXXX years ago. My understanding is that according to California law, debt collectors can not sue for a debt that exceeds the statute of limitations or is " time barred. '' I am writing a letter to the XXXX County Superior Court asking the judge to dismiss the complaint due to the failure of the plaintiff to validate the claim and the fact that the statute of limitations has passed.