23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX Bank Of America RE : Mortgage Loan Modification # XXXX Home Retention Department TO WHOM IT MAY CONCERN I am accompanying letter with the most recent documents for the loan modification signed by XXXX XXXX XXXX in XX/XX/2021 to amend apparent errors made in the XXXX documents. 

I am stating that there were issues that I had which were not addressed and in fact not clarified. They are : Why were there unapplied funds of {$13000.00} why were they being held in suspension without paying me interest. 
Why did these funds not account for a reduction in principle from {$290000.00}. 
Why does the current principal and interest reflect payments to the $ XXXX balance not the XXXX which reflects the amount held in suspense? 
How did the last loan mature at @ $ XXXX in XXXX with a 3.6 % and monthly payments of {$2500.00}. To go to a loan modification for $ XXXX at 2.125 % with monthly payments of XXXX? 
Why did I never receive a reconciliation of the modification. I paid the trial fees for fear of initiating some denial of the loan. I have asked several times of customer service for clarification of amounts being held in suspension to no avail and other discrepancies. 
What are the overdue payments, fees, and charges that have a positive balance of {$7400.00}. I dont believe that there are any, at least I have not been notified of them. 
Why is my signing the document so time sensitive when you have had these documents since XXXX without making any clarifications to me. Makes me think I am being cheated. 
I feel blind sided for having limited time to get answers or clarifications before having to sign what ever changes you may have made. 

Sincerely XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

PER EXPERIAN THEY MEET THE FCRA REQUIREMENT. AS A CONSUMER I DISAGREE BC I DID SUBMIT A LETTER REVOKING ALL AUTHORIZATION PER 15 USC 6802. THEY ARE NOW IN VIOLATION OF THE FEDERAL LAW. 

FURTHERMORE ALL CREDIT BERAUS ARE IN VIOLATION OF THE PRIVACY ACT OF 1974.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several complaints to you recently, and told your credit bureau to " investigate every piece of information '' on the account listed below. I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, this account is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX. 

Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX .... 

According to the FCRA the term " investigate consumer report '' means a consumer report or portions thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through persoal interviews with neighbors, friends, or associates of the consumer reported on or with others with who he is acquainted or who may have knowledge concerning any such items of information. They stated the account was verified by how is that possible if they did not do a proper investigation according to the law? Also, every piece of information on this account is still not reporting 100 % accurate. And according to the FCRA 15 USC 1681, everything has to be 100 % accurate. I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. I have filed complaints with the FTC, CFPB, and directly with your credit bureau ( phone, mail & fax ). I have documented all of my efforts and will pursue all resources available to me.
Product: Debt collection

( TO JEFFERSON CAPITAL ) YOUR IS REPORTING 4 DIFFERENT ACCOUNTS ON MY CONSUMER REPORT THAT ARE INACCURATE, UNVERIFIED, AND A VIOLATION OF THE FCRA & FDCPA. EACHACCOUNT MUST BE DELETED OR I WILL IMMEDIATELY SEEK REMEDY FOR DAMAGES UNDER THE FCRA AND FDCPA, UP TO {$1000.00} PER VIOLATION AND FOR EVERY MONTH THESE ACCOUNTS HAVE BEEN REPORTING ON MY CONSUMER REPORT. I WILL BE SEEKING FOR STATUTORY AND PUNITIVE DAMAGES WITHIN 7 DAYS OF THIS CFPB COMPLAINT.
Product: Credit reporting or other personal consumer reports

I have recently received my credit reports and I am writing this letter to dispute the following account that was removed from my TransUnion report but still remains on my other credit reports : XXXX XXXX, XXXX XXXX Account # : XXXX These collection agencies are both in violation of 15 USC 1692g as well as FCRA1681, Section 609. Section 610, Section 611. 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 by law it is required for me to do so not verified as your company keeps stating. I do not validate this debt. I must be given the original contract with my signature on it. Therefore, the following account must be deleted from my report as required by law. Failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : XXXX. Defamation of Character ( per XXXX ) XXXX. Negligent Enablement of Identity Fraud XXXX. Fair Debt Collections Practices Act 15 USC 1692g violations XXXX. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] This company has violated my rights 15USC 1681-602A states I have the right to privacy ,15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent and instructions. I am not liable for this collection they have not provided me with the original contract as I have requested several times. 15 USC 1681 ( a ) ( 2 ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in the " consumer report ''. By Law, the IRS defines a charge off accounts as cancelled debt that you have to pay taxes on meaning the charge off accounts are now earned income for me the consumer. Collections & Charge offs accounts over {$600.00} reporting to my consumer report is tax fraud. By Law companies are supposed to send me the consumer a copy of the XXXX C & XXXX from the accounts that has been charged off. ( XXXX XXXX ) The collection is now income by IRS law states that income can not be reported as debt. Please remove this account from my report this is against the law and is considered tax fraud. The company XXXX are supposed to show proof of this account being verified which is required by law. According to 1681 ( i ) a the law states that before your investigation is completed the item in dispute must be deleted for my report. The item was never deleted before the investigation is complete.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I submitted a valid police report with an notarized attachment of my FTC identity theft affidavit. I am requesting that you please reconsider the valid documents and please revjew, block and delete the fraudulent files from my credit report. Thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I received a notification an my email about a credit account which I have no clue of. I have been a victim of identity theft in the past. Now I have also been affected by the credit breach where my information was breach. I am disputing the inaccurate information on my credit report as an internal dispute and fraudulent. The account that are fraudulent are as follows : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX- XXXX 3. XXXX XXXXXXXX XXXX- XXXX 4. XXXX XXXXXXXX XXXXk- XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. Unknown- XXXX I am disputing the following accounts as fraudulent an internal dispute which takes only 3-5 business days. I will be following up with all 3 credit bureaus in a few business days to assure that these fraudulent and inaccurate information is completely and permanently removed from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX   Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX # XXXX, XXXX XXXX Account # XXXX and 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

I am writing to file a complaint to TRANSUNION regarding the reported data on my credit file that is not certifiably compliant and proven valid and/or not documented as fully true and physically verified. My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. My date of birth is XXXX, and the last XXXX digits of my social security number are XXXX. The FTC report number associated with this complaint is XXXX. 

I have identified likely mendacious and certainly unproven compliant reported inquiries on my credit file that have no permissible or authorization made by my person of free will. As a consumer, I am within my federal and state consumer and/or civil rights to demand and/or compel you to have them removed as soon as possible. I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACTA Title 1 sec. 151 that unambiguously obliges a recounted of the modus. This is a formal dispute of information and reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XX/XX/2021 XXXX XXXX XXXX
Product: Debt collection

This number has called me daily multiple times a day in repeat always a robot and always leaves a voice mail for XXXX of XXXX I've reached out to simply inform them that I'm on the XXXX list and that further communication on this number is not prohibited.
Product: Debt collection

The account below was added to my Equifax credit report. This is not mine, and I have reached out to the number and address, for more information and verification and have been ignored. 
In addition, this agency is being investigated and sued by FTC ( see image for fake collections ). When I called them they threw threats and court and issuing of a summons to be delivered to my employer. Immediately remove and delete this from my credit file. I have never heard or had any business with company. 
XXXX Account # XXXX XXXX XXXX XXXX XXXX : {$1000.00}
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. XXXX and TransUnion must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$27000.00} ; XXXX XXXX XXXXXXXX Balance : {$640.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I contacted PayPal Credit to remedy a delinquent account. They offered me a customer assistance program to pay off the past due amount of the line of credit I had with Synchrony. The agreement was a minimum of {$34.00} a month over a 5 year period. The balance I had would not accrue interest and the amount was frozen in time. I paid the first payment of {$34.00} and I was told to pay every month to keep the account out of delinquency. 

Two weeks later, I noticed that my Paypal credit account was still shown as past due on the app and it said a payment was due on the XXXX of XXXX. I called on XX/XX/XXXX to get more clarity about what was going on. When I called, I spoke to a representative who told me that the system had not yet updated and that I just needed to make sure I made the minimum {$34.00} payment every month. I did not have to worry about the past due status. 

The past due status continued to be on my account for months even though I paid what I was supposed to every month. On XX/XX/XXXX, I got a notification from XXXX  saying that my Paypal Credit account was being shown as 30 days late. Of course, I was confused because I was doing exactly what I was told when I agreed to the program. In addition, my account was being charged interest after I was told that there would be no interest accruing! 

I call that day and I speak to a rude representative, who lacked listening and customer service skills, named XXXX ( ID # XXXX ). When trying to relay my issue to her, she repeatedly said that there was nothing wrong with my account and that the account being past due was communicated to me from the beginning. Obviously she was not there to say what was or was not communicated. In addition, I know for a fact I was not told that my account would remain past due by 2 different representatives. As stated, I called on 2 separate occasions. 

This program is supposed to help those going through hardships but instead this is not helpful. This needs to be corrected immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my sixth attempt to notify the Credit Bureaus that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. My information has been exposed in the XXXX data breach. The following accounts, inaccurate name and addresses are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the identity theft. Please remove the following accounts completely from my Credit File : XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$260.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeadly disputed a XXXX XXXX Account with Equifax that is incorrectly reporting. XXXX continues to " verify '' the incorrect dates and Equifax will not use the supporting information I have provided to verify that there was a missed payment in XX/XX/XXXX. 

As verified by both XXXX and XXXX, the XXXX XXXX XXXX was reported as 30 days late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Both of those reports will be attached. 

I will further include XXXX XXXX XXXX that list dates and payment amounts. The payments are numbered CLEARLY indicating that payment XXXX was made XX/XX/XXXX and the next payment, number XXXX, was made XXXX. 

Payment XXXX of XXXX made XX/XX/XXXX XXXX XXXX of XXXX made XX/XX/XXXX XXXX XXXX of XXXX made XXXX *note payment XXXX was on XX/XX/XXXX and payment XXXX was on XX/XX/XXXX ( clearly confirming a missed payment in XXXX, XXXX )
Product: Mortgage

XXXX loaned us money on XXXX houses. On the last house we had a rehab budget of XXXX and signed it in the title office and we have proof. The title lady looked it over and said they awarded us the money. When we went for our first draw and they would not give us a draw and said it was not approved. This sent our business into a spiral. We no longer had money to operate. We fought and fought trying to pay and keep up with our payments but could never catch back up. They are directly responsible for us not being able to pay our payments and now are foreclosing on all the houses.They acted in XXXX XXXX and we have the proof. XXXX XXXX, XXXX XXXX XXXX FL XXXX
Product: Vehicle loan or lease

I financed my car through Exeter that I got from XXXX. And I been paying my note on time with some late payments. I recently went on my Exeter account and seen my APR was an outstanding balance. They told me it will take 72 payments to pay off. But I recently went to my account and seen how much my principal fee is. But I paid so much money, and they only took a grand off. It's been over a year since I had my car. I looked at the reviews and I am not the only person with this problem. My car total is only XXXX. I put XXXX down. And I already paid XXXX. My XXXX XXXX XXXXXXXX XXXX is only worth no more thaXXXX XXXX XXXX and I also calculated how much they are charging me, Which is XXXX x 12 months x 6 years = XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously requested that Experian provide original contracts for the items listed below that were previously disputed and supposedly verified. They have not provided original signed contracts that correlates to these accounts in question that states ownership or agreement of collection fees. 

These accounts should be deleted without such verification under FCRA 609/611 provisions - ACCOUNT NAME : XXXX XXXX XXXX XXXX # : XXXX amount : XXXX -ACCOUNT NAME : XXXX XXXX XXXX account # XXXXXXX amount : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Complaint : They show 2 credit inquiries from XXXX that were not mine. First on XX/XX/2018 and second on XX/XX/2018. I've disputed it with both Equifax online and the results were and they said a credit inquiry can not be manually removed. I've called equifax several times and they have not removed and done anything. 
On XX/XX/XXXX I have set up a fraud alert with all credit agencies, nothing show all the other agencies only at equifax. 

Fast forward I received a notification my credit was pull again by XXXX XX/XX/XXXX. Again, i have not authorized or applied for anything. I called XXXX fraud department at XXXX and was told the same information. No account was created with my info. 

XXXX Complaint I've contacted XXXX fraud department several times at XXXX. They say no accounts have been created on my name and perhaps this is just a reporting error. They keep on telling all I can do is go to their website and file an inciddent. 

Neither XXXX or Equifax seems to be wanting to resolve the reporting issue and update my records.
Product: Debt collection

ERC continues to attempt to collect a debt that doesn't belong to me. I have already disputed this debt. They agreed to close it. Now I receive a letter stating that they have been authorized to report this account to the credit bureaus. They are playing around, this isn't my debt, and again, they keep saying that they have closed the account and they haven't. I am not paying a debt that doesn't belong to me. My next step will be to sue them for the max that the law allows if they do not close this account and stop trying to collect on an account that doesn't belong to me. This is NOT my debt. 

First they sent this to my parents house at the end of last year. I disputed it and they agreed to close the account. Now they are back at it. This is the last time that I will dispute this. I will hand it over to an attorney if I see this on my credit report.
Product: Money transfer, virtual currency, or money service

This complaint is related to a PayPal dispute case filed by my client XXXX XXXX. The result of PayPal 's dispute review was in favor of the buyer, XXXX XXXX in the form of a {$4200.00} refund plus {$130.00} transaction fee. I am demanding that this refund and transaction fee be reversed as it is clear that PayPal 's dispute review team did not understand the nature of my transaction with XXXX XXXX, nor did they completely review the evidence I provided to the team and which I am attaching to this complaint. I have tried, without success, to file an appeal using PayPal 's online tools. 

The reason given for both the dispute and the resulting refund decision is that the product XXXX XXXX paid for was not delivered to him. The reason the product was not delivered is two-fold : XXXX ) XXXX XXXX did not finish paying for the product, and XXXX ) the product weighs approximately XXXX pounds and requires XXXX XXXX to pick it up from my shop after completing payment for the product. 

The transaction with XXXX XXXX was a phased payment transaction as follows : XXXX. Design services in the amount of {$500.00}. This was paid by XXXX XXXX on XX/XX/XXXX and is not at issue in this case. 
XXXX fees in the amount of {$4400.00}. This was paid by XXXX XXXX in full on XX/XX/XXXX after partially being paid XXXX. 
XXXX. Final payment in the amount of {$900.00}. This includes my profit, labor, and sales tax. Credits for certain items approved by XXXX XXXX not to be included in the product were considered. As of the filing of this complaint, XXXX XXXX has failed to pay this amount despite multiple attempts to collect. A small claims case in the state of Washington is in progress with XXXX XXXX named as the defendant. 

PayPal is now coming after me to reimburse them for the amount they incorrectly ( and possibly illegally ) refunded to XXXX XXXX.
Product: Debt collection

I have contacted the collection agency and asked them to provide me with contract with my signature to verify that this is my debt to pay. The collection agency has not provided proof of this being my debt to pay. I also have disputed it through the three credit bureaus. 

I am unsure what else to do except seek further help in getting these matters resolved. Below is the name of the collection agency I have contacted and asked them to provide me with the above mentioned proof. 

2. Credit Bureau Assoicates/Original Creditor : XXXX XXXX XXXX $ XXXX First time contacting this agency was XX/XX/XXXX. Sent me a print out but no signature. 

The latest letter I sent was on XX/XX/XXXX.
Product: Debt collection

UNDER THE LAW 15 U.S.C.1692C ( C ) IF A CONSUMER NOTIFIES A DEBT COLLECTOR THAT THE CUNSUMER REFUSES TO PAY A DEBT THE DEBT COLLECTOR MUST CEASE ALL COMMUNICATIONS.