23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have paperwork that i have sent to the company an also XXXX. 
Numberless of times I ask for validation of Debt The creditor has refuse to send me a copy of the original contract with my signature bearing Is that do not belong to me Ive spoken with Credit or today via phone on XX/XX/2019 The president of the company stated he doesnt have to provide me with a contract that is tying me to this dead. He told me he sent a letter out to Meme and I never received a letter but he said he is not required to spend money to send anything to me certified mail to be sure that I got it. Ive asked XXXX  To validate the debt Not through email but certify mail because through email or fax any could fraudulently post things on my credit report. They have also fell me to please help. I also asked the company not to call my phone again after I spoken with the president of the company he said that he can call me when he wants when is concerning this Deb and he called me back I have proof They are telling me that the debt is accurate but not telling me how the devil is accurate theyre not giving me any information and has failed to respond to my dispute request providing me with the information I requested of them
Product: Mortgage

For over a year now, I have worked diligently and relentlessly ( with Wells Fargo Home Mortgage ( WFHM ) ) to purchase an estate property ( via short sale ; the owner had a reverse mortgage ) - all to no avail. WFHM 's procrastination and misdealings ( conveniently for them ) caused several appraisals to expire ( the first of which I submitted, in a timely manner, all of the requested documents and a deposit/earnest money ), only to have WFHM do XXXX additional appraisals ( with significant price increases - specifically, WFHM 's last appraisal is $ XXXX higher than their initial appraisal ). To make matters worse, WFHM did not send my initial dispute ( appraisal ) to HUD ; and ( although WFHM said I could submit the outside appraisals and market analysis/comparable report ), WFHM is not really considering the XXXX outside appraisals and the comparable report submitted ( for the disputes ). I have reached out to several WFHM employees ( from Home Preservation Specialists to the CEO ) and continue to get the runaround and/or conflicting info. I have done everything requested ( by WFHM ) ; now, time is long overdue for WFHM to conduct themselves ethically, efficiently, and professionally ( to process the short sale ). In the interim, while this longstanding snafu is being " worked '', I am very concerned that the property will be foreclosed on XXXX XXXX XXXX.
Product: Credit reporting

Equifax maintains that credit report from XXXX XXXX XXXX bank is mine, however, the credit card issued was unsolicited with no signed contract. Equifax was informed the credit card was unsolicited and the bank committed fraud. Equifax did not get a signed contract from XXXX XXXX XXXX bank supporting their claim that the credit card contract was mine. Equifax did not adequately investigate XXXX XXXX XXXX credit reporting. They simply took XXXX XXXX XXXX word of the credit report without any signed contracts.
Product: Credit reporting

XXXX There is a vehicle repossession from California Auto Finance and a the collection from the repossession from the repo from XXXX on my credit report. I disputed the information bureaus. The XXXX account was deleted from the XXXX and XXXX but remained on XXXX. The collection from XXXX that is from the repo was still reporting with all 3 bureaus. After the credit bureaus claimed to have verified the debt. I sent a letter Certified Mail with Return Reciept to the car dealership, XXXX were the veheicle was purchased, to California Auto Finance and XXXX, requesting that they Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. 
If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 
In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC 9 remedies. 

Only XXXX responded with a hand rewritten note stating " the original creditor advises they did not repo the vechile so there are no documents to be sent ''. XXXX continued to leave " not able to contact debtor on the comment section on my credit report after they contacted me with a hand written letter. California Auto Finance amd XXXX failed to respond to my request. Since XXXX failed to reply and provide with any documentation, feel that the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 

After no responds I sent a letter to the credit bureaus notifying them that I personally reached out to the California Auto finance and XXXX requesting documentation to validate them reporting on my credit and neither company was able to provided me with the documentation that I requested, but the accounts still come back as verified and California Auto finance has changed account status from repossession to charge off and XXXX removed their comment stating that they were not able to find the debtor " me ''. 

I believe neither company has the proper paper work to for this account and want the information removed from my credit report. I will upload all of the documents that I have mentioned. 

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

on XX/XX/2023 I requested to opt out of NFCU Credit reporting which is completely in the legal boundaries and holds legal validity per 12 CFR 1016. NFCU ignored my request completely and continued to report adverse actions on my consumer credit file although navy federal made it very clear to me that I did not owe navy federal anything by sending me a letter to my house ( attached ) stating they would not attempt to collect any debts from me. do to there negligence, my credit has had a tremendous negative affect which is taking a very bad toll on my life and has made it very difficult to take care of my family and my self acquired more credit for house hold purposes. I had very high expectation for navy federal and now I am very disappointed in their unprofessional and illegal business practices. I hope this was just a mistake non-intentional.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account XXXX, XXXX  XXXX XXXX, Account # XXXX XXXX XXXX XXXX, XXXX XXXX Account # XXXX has violated my rights. 
XXXX5 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 or other personal consumer reports

Today, I found errors on my credit report that I cant explain. I routinely check my report, but this time unfamiliar accounts showed up. I tried refreshing the page, thinking it might be a system error, but the incorrect information stayed. Because of this, Im asking for a careful review of the documents Ive provided to prevent this issue from happening again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need all inquiries remove off my consumer credit report because I am aware without my lawful consent a comsumer reporting agency may not give out information about myself to your employer without my written consent.If you can provide me with proof of me giving my lawful consent or written notice, but if you can not I need you to remove all inquires immediately or I will send a written notice to the CEO which is XXXX XXXX and the CFO which is XXXX XXXX so we all can be aware of this negative information and need to remove off my consumer credit report.I am aware XXXX and Equifax should be able to provide me with proof of my lawful consent to report negative information without my consent I need all inquires remove from my consumer credit report before send a written notice to the CEO and CFO of XXXX which is XXXX XXXX and XXXX XXXX and also the CEO of Equifax which is XXXX XXXX and the XXXX XXXX XXXX XXXX that everybody is aware and would be tied into RICO charge and Racketeering.
Product: Mortgage

To Whom It May Concern, I am filing a formal complaint against Flagstar Bank regarding their failure to release a lien on my property following the discharge of my XXXX XXXX bankruptcy. Their inaction is preventing me from clearing my property title and XXXX constitute a violation of bankruptcy and consumer protection laws. 

Background Information I filed for XXXX XXXX  bankruptcy on XX/XX/XXXX, in the United States Bankruptcy Court for the Middle District of North Carolina ( Case No : XXXX, NC XXXX XXXX ). 
My XXXX XXXX  plan was completed, and I received a bankruptcy discharge on XX/XX/XXXX. 
As part of my bankruptcy, my Home Equity Line of Credit ( HELOC ) with XXXX XXXX was discharged. 
XXXX XXXX has acknowledged this discharge, and my credit report reflects a XXXX balance for the account. 
Despite this, XXXX has not removed the lien on my property, which is restricting my ability to refinance or sell my home. 
The Problem XXXX XXXX refusal to release the lien, despite acknowledging that the debt was legally discharged, is unfair and may be a violation of 11 U.S.C. 524 ( a ) of the U.S. Bankruptcy Code, which prohibits creditors from attempting to collect on a discharged debt. Their actions : Prevent me from refinancing or selling my home, which causes financial harm.

Create a cloud on my title, making it difficult to conduct legal property transactions.

May constitute unfair and deceptive practices under consumer protection laws.

Requested Action I request that XXXX XXXX be compelled to : Immediately file a Lien Release with the appropriate county recorders office, clearing my property title.

Provide me with a written confirmation that the lien has been fully released.

Cease any further actions that interfere with my rights as a bankruptcy discharge recipient.

Supporting Documents The XXXX discharge acknowledgment letter is being provided.

I request that your office investigate this matter and take appropriate action to ensure that XXXX XXXX  complies with the law. Please provide me with a response regarding the status of this complaint. 

Thank you for your time and assistance.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the following inaccurate and/or unverifiable information on my Experian credit report. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681o, Experian may be held civilly liable for negligence if it fails to properly investigate or correct errors in my credit file. 

Disputed Item ( XXXX ) : XXXX XXXX XXXX Account XXXX Date Reported : XX/XX/XXXXXXXX XXXX XXXX  Account number XXXX Date reported : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Account number : XXXX Date reported : XXXX XXXX, XXXX This account is inaccurate and unverifiable. Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if an item can not be verified within the prescribed timeframe, it must be deleted immediately. I demand that Experian delete this account within four ( 4 ) days and provide written confirmation.

Failure to comply with the FCRAs requirements may result in legal action for damages under 15 U.S.C. 1681o, including attorneys fees and other relief.

Please investigate this matter promptly and send me an updated copy of my credit report reflecting the deletion. You may respond to me in writing at the address listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

there are fraudulent inquires on my report and i need them removed now. 
i did not give consent for these inquires listed below 1.XXXX XXXX XXXX on XX/XX/XXXX 2.XXXX XXXX on XX/XX/XXXX 3.XXXX  XXXX XXXX  XXXX on XX/XX/XXXX 4.XXXX  on XX/XX/XXXX ftc report attached below
Product: Credit reporting, credit repair services, or other personal consumer reports

Numerous times i have disputed with the credit bureaus about these student loan accounts. They have failed everytime to provide me with proof of verification. They have not provided me with an answer well over the 30 days. US dept of education was reported to my credit report 3 times. Each 3 have different balance amounts. All 3 accounts say they were open XX/XX/2011. These accounts has been on my report for 10 years and 7 months. Everything about this situation is not right. These accounts has been on my credit report for over 10 years. This is a automatic removal. All 3 accounts shows 3 different balance amounts. This is a automatic removal because this is inaccurate reporting, and because the same account has been reported 3 times. this goes against the fair credit reporting act 100 %. And the credit bureaus knows this. And still refuses to removal, or they are simply ignoring this matter.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I received a Tax Form 1099-K ( XXXX. XXXX ) in the mail from Block, Inc. f/k/a Square, Inc. in the mail XXXX I have had Cash App downloaded on my phone since approximately XXXX because of cafe/store loyalty rewards points, but I have never used the app to send or receive payments of any kind. The 1099-K claims that I earned {$6400.00} all in the month of XX/XX/XXXX in a total of XXXX payments, and it gives a merchant category code of XXXX. I looked it up and that says entertainment/band, which has nothing to do with me. After reading this form, I opened Cash App and it started leading me through setting up an account, which I did not proceed with I do not even have an account with them. On XX/XX/XXXX, I called Cash App customer service to find out why I received this incorrect form and to find out whether someone has fraudulently linked their account to my personal information. They looked up my phone number and confirmed that I did not have an account set up with them, and they took my email address and the mailing address at which I received the 1099-K and said they had opened a case. They said they would contact me within 30 days depending on the volume of cases they have.
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information from my file. The items I deleted are listed in the report. Please delete this items as soon as possible since they are affecting my ability to obtain credit. According to the FCRA section 605B It is illegal to report information on my credit report without my permission. Thank you please remove this from my credit report now
Product: Checking or savings account

I used to XXXX to transfer funds. However, I was never asked to verify the account and sent XXXX payments on different occurrences to the wrong account and do to the lack verification from XXXX and Bank of America, I lost my money. I have previous instances in which I was scammed and was on the phone with BOA for hours for a false XXXX transactions for XXXX XXXX XXXX Id like to join the class action lawsuit against BOA and XXXX. I was also falsely charged for various ATM fees and other such fees wrongfully. I even called the bank multiple times to fix it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting Everything has to be 100 % accurate on my credit report. The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and the last reported is not accurate ate all. The payment history is not even correct the bureaus have me as being late on my account when ll my accounts are on automatic payment each month. Yet the Bureaus came back and said they verified the account. BUT HOW DID THE BUREAUS VALIDATE THE MY ACCOUNT. Sounds like they lying or they just pushed a button saw my name come back on there computer and called that validating the account.. THATS NOT RIGHT!!!! NOR FAIR .... As you are aware, federal and my state laws dictate that all claims be physically proven to its 100 % truthfulness, 100 % correctness, 100 % completeness, 100 % timeliness and 100 % in compliance!! 100 % 100 % 100 % 100 % 100 % 100 % 100 % 100 % 100 % 100 % 100 % 100 % 100 % 100 % 100 % 100 % 100 % 100 % ... ..OR Otherwise DELETE PROMPTLY if there are any deficiency to provide requested information as Federally defined in a timely manner. I am sincerely appreciative to your full attention to my request ; and your cooperation in speedily bringing my credit report into Compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Product: Debt collection

I received a letter from my ex husband on XX/XX/XXXX, but the letter was dated XX/XX/XXXX from a company name Jefferson Capital Ststems LLC stating they represented another company by the name of XXXX XXXX Jefferson Capital Systems LLC is attempting to collect {$590.00} for XXXX XXXX . I wrote this company Jefferson Capital Systems LLC in XXXX XXXX, MN on XX/XX/XXXX disputing the alleged debt with XXXX In the letter Jefferson Capital Systems LLC states that I had until XX/XX/XXXX to dispute the alleged debt but on XX/XX/XXXX and XX/XX/XXXX I received a notification from XXXX that a new account was added to my XXXX and XXXX credit report from Jefferson Capital Systems LLC. Jefferson Capital Systems LLC has practice unethical unfair debt practices and misrepresented what their XX/XX/XXXX letter stated that I had until XX/XX/XXXX to contact their office in writing which I did but this company jumped the XXXX and still reported this alleged debt to the credit reporting agencies prior to the deadline they set. I first heard of XXXX XXXX back in XXXX when I saw some charges on my account and I disputed them with my bank and the funds were reversed. I stated in XXXX and XXXX to another company called XXXX XXXX and to the actual company XXXX this is not my debt and I do not owe this debt. In XXXX and XXXX XXXX actually placed inaccurate information to my credit report but back then the amount was {$1200.00} and it was disputed then and retracted both times. But now again in XXXX another company is alleging again that I owe XXXX XXXX but for a lesser amount. For years, I have been battling with random hacking of my email accounts, lost or stolen credit card & debit cards. I closed my bank account back then because I felt they could not keep my money safe and it was too much happening. I am now divorced and longer go by XXXX as I have indicated in my letter to Jefferson Capital Systems LLC. Again, I am disputing this alleged debt, this is not my debt and I do not owe this debt. I am requesting that Jefferson Capital Systems LLC remove any negative information from my credit report immediately because clearly Jefferson Capital Systems LLC is continuing to practice unfair debt collection as they did in 2008 FTC Matter/File Number 062-3212 ( Federal Trade Commission v. Compu Credit Corporation and Jefferson Capital Systems , LLC ) . I have included all my documentation of all the hacking and fraud I have faced since XXXX. Even if I owed this debt the statue of limitations has ran in Texas and California where the original debtor is located per the Consumer Financial Protection Bureau. Also, as my right, I have no desire to work with Jefferson Capital Systems LLC and I dispute these claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collections account that appeared on my credit report in XX/XX/XXXX from a company called XXXX XXXX XXXX XXXX  in the amount of {$680.00}. On XX/XX/XXXX I sent a certified debt validation letter to the company requesting to see what proof they had that I have a contract or have actually done business with them, giving them 30 days to respond. They never responded. In the meantime, I disputed this with Transunion and to my surprise within 24hrs they deemed the debt valid which really puzzled me. If the company never sent me proof, I highly doubt Transunion has proof of this so called debt. 

On XX/XX/XXXX, I went back over my credit report and noticed they were reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$680.00}. I simply mailed Transunion a certified letter informing them of this. 
Also explaining that According to the FCRA, I have the right to an accurate credit report. Asking them to please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. 
Transunion mailed back a letter and my credit report stating it would not be removed from my credit. Yet, nobody has showed me valid proof of me owing this debt nor has anyone responded to my request. 
I do not owe this debt, I've never done business with the collections agency, there is no valid proof of me owing this debt and this should not be on my credit report. 
weird enough, It was placed on my report XX/XX/XXXX and according to my credit report, it's due to be removed XX/XX/XXXX. I've seen this with inquires but not actual collection accounts. Funny how this debt isn't on any of my other credit reports, hmmm ..... 
Probably because the collections company doesn't have proof!! I'm thoroughly convinced that Transunion and this XXXX XXXX XXXX XXXXXXXX has a huge scam going on. 

I believe Transunion and this collection agency are surely practicing unethical and illegal business in regards to my personal credit. 
I am asking that this be looked into on my behalf in good faith.
Product: Mortgage

I called XXXX XXXX to make my XX/XX/XXXX payment XX/XX/XXXX. They said they would only accept 2 payments not one. They also said if I waited until XX/XX/XXXX, then I would have to pay 3 months. I was in a motorcycle accident XX/XX/XXXX and I am still not able to walk. I will have my last XXXX hopefully in XX/XX/XXXX. With all my bills, I had fallen behind but was trying to catch up one month at a time but to no avail. Also, after being late for one payment, they deny internet access to my account. The only way to pay is via snail mail or pay them a {$20.00} convenience fee PLUS my monthly mortgage via phone..