23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XX/XX/XXXX Subject : Cease and Desist Complaint Dear CFPB, I am writing to formally submit a complaint regarding unlawful debt collection practices by National Credit Systems. Despite my requests for validation of the debt and a cease and desist on further communication, I have continued to receive harassing calls and correspondence. 

Details of the situation are as follows : - My Name : XXXX XXXX - My Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX - My Phone Number : XXXX - Collection Agency : XXXX XXXX XXXX - Agency Address : XXXX XXXX XXXX XXXX, GA XXXX - On XX/XX/XXXX, I was contacted by National Credit Systems regarding an alleged debt. 
- I disputed the validity of this debt and requested validation as per the Fair Debt Collection Practices Act ( FDCPA ). 
- I formally requested a cease and desist of all communication. 
- Despite this request, I have continued to receive phone calls and written communication regarding this alleged debt. 

This ongoing communication is causing me significant stress and constitutes a violation of my rights under the FDCPA. I would like to request your assistance in resolving this matter and taking appropriate action against National Credit Systems for their continued harassment.

I appreciate your attention to this issue and look forward to your response. 

Sincerely, XXXX
Product: Mortgage

My mortgage was transferred to Shellpoint Mortgage Servicing in XX/XX/2020. There was an escrow account set up to pay property taxes and insurance. A tax payment was due in XX/XX/2020. Shellpoint missed paying it and I reported that to them. They say they paid it in XX/XX/2020 with applicable delinquency fees but the country records show the amount has still not been paid. I have called numerous times and no one there has been at all helpful. At this point my taxes are 3 months late and the money has been deducted from my escrow balance but no one can tell me where it went. No one there returns calls or follows up as they promise.
Product: Credit reporting or other personal consumer reports

I sat on the phone for 2 hours waiting for someone to assist on XXXX. No one picked up. Automated voice from XXXX said wait time 30min. 


Last week sat on hold for over an hour. No one picked up.
Product: Mortgage

My mortgage servicer, Amerihome Mortgage, still is not offering a forbearance package that complies with the CARES act. They are only offering short term forbearance where the total payment amount postponed comes due at the end of the forbearance period.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX and TransUnion credit bureaus was dated XX/XX/XXXX but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Someone opened an investment account with XXXX XXXX using a fraudulent Social Security number. XXXX confirmed the Social was not mine but would do nothing. I filed an in-office complaint with XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX La branch XXXX This theft comes from my checking account and not debit card. So I can not stop it. Im on XXXX and other XXXX Ins only and am being taken advantage of. XXXX XXXX sat with me and filed my complaint for me as I can not hear well and do not understand how to communicate with the XXXX XXXX out of XXXX. XXXX XXXX became irritated because the whole thing was ridiculous and she couldnt understand them either. In the end, I was refunded only XXXX  months worth or just over XXXX. Then I was told case closed. However ; XXXX did nothing to stop it. Im now out another XXXX in a month. No attempt to investigate the source and destination was made. So I sent E-mails asking again and again for info on who was stealing it. XXXX did nothing. Didnt even try to delete the fraudulent account. XXXX XXXX
Product: Debt collection

My name is XXXX XXXX and I acquired a business, changed the name of the business, moved the business to a new address, and I operate my business as an XXXX. I recently began receiving rude and harassing calls from XXXX XXXX saying that I owe {$6500.00} for a debt that I have nothing to do with. XXXX XXXX called my business and ask for the owner and got my name from someone who works at my business and since then he has called and threatened to report me to the credit bureaus. I ask XXXX XXXX to email me any paperwork, bills, or contracts relating to this matter to show me that I owe him anything. He refuses to email me anything to prove that I owe him a bill. I do not owe anyone any past due balances and am clueless as to the bill that this XXXX XXXX is threatening me with, but because he is so aggressive and threatening, I am writing because he is threatening to place negative things on my credit report. I am respectfully requesting that XXXX XXXX provide proof that I owe him anything. I am also requesting that if he has nothing to show me that your bureau fine and discipline XXXX XXXX and his company to the fullest extent that is allowed by law. Last, I request that if XXXX XXXX can not provide any proof that I owe this bill, that he be told to stop calling me with threats. Thank you for your attention to this matter. 

The number to reach XXXX XXXX is
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain negative accounts that appear on my credit report. Upon reviewing my credit file, I have identified inaccuracies that require immediate investigation and correction. 



Enclosed, I have included copies of supporting documents ( such as my credit report with highlighted errors, account statements, or correspondence with the creditor ) to aid in your investigation. 



I request a written response confirming the outcome of your investigation within 30 days of receiving this letter. If the disputed accounts can not be verified, I expect them to be removed or updated accordingly. 



Please confirm receipt of this dispute at
Product: Credit card or prepaid card

On XX/XX/XXXX I had {$2500.00} stolen off of my American Express Serve card. It was wired into two individual accounts, {$2000.00} to one and {$500.00} into the other. I tried to log into my personal serve account to get the names of the individuals that it was wired to and oddly it WILL NOT let me back into my own account. I have been calling American Express with the number provided on the back of the card, multiple times and they have been telling me since XX/XX/XXXX that the investigation team had been working on the case. Recently, XX/XX/XXXX, I had called them yet again to check the status of the case and they told me that my case had been dealt with onXX/XX/XXXX. For over a month they had been telling me that my case was still being investigated when it had already been dealt with and they refused to tell me. They said that there is no possible way I will be able to get my money back that was stolen out of my account. I have called American Exress mutiple times, XXXX XXXX  which is who I filed my tax return through, who by the way said it is now American Expresses hands, also I called the IRS to see if there was possible any way they could help me and they said no. I desperately need this money back as it was for a deposit on a house.
Product: Credit card

I attempted to dispute my Victoria secret account because it is opened fraudulently. I disputed it 2 times. Once on XXXX XXXX and again after that. I do not know who XXXX contacted to verify said debt. I proceeded to ask for the process and company information that they went through to verify said fraudulent debt. ( Act 15 usc 1681 ). No one has reached out regarding said request. They are simply verifying it by a process or person I am not aware of.
Product: Debt collection

This company is a 3d bill collector for a medical company that is no longer open. Another medical company purchased the previous company. The debt is not mine, The medical company that hired the collection company can not provide any medical information with my name on it with my signature for acceptance of medical care nor an itemized bill of what procedures were done. This collection company has failed to notify me of such debt and are attempting to collect debt that is not owed and has fraudulently increased the amount owed. Used scare tactics by adding notes on my credit report regarding this account as if it had been being paid and I defaulted. Intimidating nature and fraudulent nature. I request for this medical collection to be removed from my credit reports immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft SUNCOAST CU Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

This is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX. Please delete this account ASAP.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/year> and a balance of {$0.00}. 
EXPERIAN HAS This account is incorrectly reporting that I have XXXX late payments. On my XXXX report there are XXXX late payments being reported. 

Please investigate the inaccurate information per 15 U.S. Code 1681 this account is being reported inaccurately and these matters are hurting my credit score and per Fair Credit Reporting Act ( FCRA ), the inaccuracy of this reporting needs to be deleted asap. Per CFPB laws and regulations, I am demanding this in accurate account be deleted now or be subject to penalty and civil action lawsuit with a violation of {$1000.00} per day this inaccurate account with inaccurate information is being reported. Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last summer sometime around XX/XX/XXXX-XX/XX/XXXX I began monitoring my credit reort and disputing accounts that were n't mine due to my identity being compromised/stolen and having no knowledge of the accounts on my report. 
I disputed the accounts with EQUIFAX and the disputed accounts were XXXX XXXX XXXX for {$260.00} and {$200.00}. XXXX XXXX Solutions for double charges {$500.00}, {$500.00}, {$340.00}, {$340.00}, {$180.00}, {$180.00}. XXXX XXXX XXXX for {$140.00}, {$130.00}, {$15.00}. XXXX XXXX for {$65.00}, {$65.00}. XXXX XXXX {$68.00}, {$68.00}. 
It took me a while to notice due to just XXXX XXXX XXXX XX/XX/XXXX and not checking my report for a while but in XX/XX/XXXX I noticed these accounts were reinserted onto my credit reports without any documentation supporting accuracy for re-inserting the negative credit items or any notifications from the creditors nor the bereau but I have letters published on the dispute website from Equifax that these accounts were deleted.
Product: Debt collection

There has been a negative charge off account on my credit report from Discover Personal Loans. They have not been able to verify this debt pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. They received certified letters from me on XX/XX/XXXX and XX/XX/XXXX. They claim I owe {$2600.00} yet this amount has not been verified and has even changed according to XXXX and XXXX credit report. Last year in XX/XX/XXXX it was reported as owing XXXX, which is another instance of fraudulent and negative reporting and such must be removed from my reports. 
I also sent certified letters to XXXX XXXX XXXX who responded after the 30 day mark from when they signed for them. 
I uploaded photos of the signatures from the certified letters I sent to both XXXX  and Discover as well the differing amounts they claim I owe from my XXXX Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting a complaint in reference to this company DEPT OF ED/ NAVIENT knowingly reporting inaccurate data. My credit profile is affected by these penalties this looks SUSPICIOUS AND DECEPTIVE, reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I XXXX XXXX XXXX legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously.
Product: Credit reporting, credit repair services, or other personal consumer reports

information inaccurate on report plese fix
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means XXXX has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT 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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



XXXX ADDRESS : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Employer : WORK XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiries : XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Collection : XXXX  XXXX XXXX XXXX  XXXX  XXXX XXXX ADDRESS : XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : XXXX XXXX XXXX  Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX Collection : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX Collection : XXXX XXXX XXXXXXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Inquiries : XXXX XX/XX/XXXX
Product: Debt collection

I requested a letter to provide verification of this debt. Please send the following information : The name and address of the original creditor, the account number, and the amount owed. XXXX that there is a valid basis for claiming I am required to pay the current amount owed. Afterwards never got any thing back from my request.
Product: Credit reporting

In  XXXX , I took out a second mortgage from   XXXX   XXXX  . In  XXXX , the loan was sold to   XXXX   XXXX  . In  XXXX , I obtained a release of lien so I could sell the property (  XXXX   XXXX ,  XXXX , MI  ).  At that time, the interest rate was hiked to almost double the original amount due to the loan no longer being a mortgage loan and I continued paying. Missed payments have greatly affected my  credit score.   The original loan was for {$47000.00}. Fast forward almost 20 years and the loan is still being reported to credit bureaus as a mortgage loan, it is now being collected throu gh Franklin Credit. Als o, I have struggled some financially in the past 5 years and had to ask for a re-aging of the loan. Even though I completed the deferment agreement which stated the late fee balance and interest would be tacked on to the end of the loan, this did not occur and penalties are still showing as due. After almost 20 years of paying, the balance is still around {$35000.00}. I am feeling preyed upon and do n't know how I can ever get out from under from this. Any assistance you could provide would be appreciated.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

15usc1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX, MA XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MA XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/year> Balance Owed : {$0.00} - Late/Closed
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXX XXXX Balance Owed : {$23000.00} XXXX XXXX XXXX XXXX Balance Owed : {$4300.00} XXXX XXXX XXXX XXXX Balance Owed : {$4300.00} XXXX XXXX XXXX XXXX Balance Owed : {$1700.00} XXXX XXXX XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX XXXX XXXX Balance Owed : {$3300.00} XXXX XXXX XXXX XXXX Balance Owed : {$3200.00} XXXX XXXX XXXX XXXX Balance Owed : {$1700.00} XXXX XXXX XXXX XXXX Balance Owed : {$3000.00} XXXX XXXX XXXX XXXX Balance Owed : {$3200.00} XXXX XXXX XXXX XXXX Balance Owed : {$5700.00} XXXX XXXX XXXX XXXX Balance Owed : {$8500.00} XXXX XXXX XXXX XXXX Balance Owed : {$1700.00} XXXX XXXX XXXX XXXX Balance Owed : {$3300.00} XXXX XXXX XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX XXXX XXXX Balance Owed : {$3000.00}
Product: Checking or savings account

On XX/XX/year>, I initiated XXXX deposits from my online savings account at XXXX XXXX XXXX XXXX  into my Citibank account. These transfers were made so I could access my funds in person, as XXXX does not offer physical banking services. 

Shortly after the deposits cleared, I attempted to make a withdrawal. However, Citibank blocked access to my account without prior notice. I was later informed that the account was placed in pending closure status as of XX/XX/year>. 

I did not receive any warning or detailed explanation regarding the account restriction. All funds transferred were legitimate and from my own account. I believe Citibanks actions were unjustified, and I am requesting that the account be reinstated and the closure process halted. I have not engaged in any fraudulent or suspicious activity and would like this issue resolved as soon as possible. 
I attached the copy of the transaction from my amex bank account to prove I made these transfers from my own account.