23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/21 an alleged process server went to my job i was notified spoke to the individual they said they were hired to serve me for a same day case at 2 different address one in nc which i hadnt lived at in four years well before the alleged debt took place. She gave a a phone number and case number i contacted the individual and they said that once the process server got to me they would immediately start a garnishment of 52 %. I made an arrangement out of fear that i wouldnt be able to provide for my family
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized Inquirers XXXX  XXXX  - XX/XX/XXXX XXXX/XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX - XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX an XX/XX/XXXX LVNV FUNDING LLC added derogatory marks on my credit report per XXXX XXXX. upon, further research, these accounts were transferred/sold an I am no longer responsible for these accounts debtors creditor did not verify these collections. Also, there was no written form of communication, contract, or signature for these accused debts at all. A bill without out a signature does not validate these debts and anyone can send a bill an say its mines. According to the FCRA, LVNV FUNDING LLC has violated my rights as a consumer an I am requesting legal actions to remove these accounts immediately.
Product: Debt collection

Hi, I am requesting a copy of the original purchasing agreement which involves SPRING OAKS CAPITALLLC and the company the alleged debt was purchased from in order the verify the following items. Correct amount alleged owed, the original amount alleged owed to original creditor, account transfer date, legal document bearing my signature authorizing the sharing of my personal and private information, required correspondence from SPRING OAKS CAPITAL LLC informing me of my consumer rights prior to illegally entering possible false and inaccurate information to my personal consumer report and verification that the alleged debt was sold for less to SPRING OAKS CAPITAL LLC.
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 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 or other personal consumer reports

In accordance with the Fair Credit Reporting Act Capital One Account # XXXX, XXXX & XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score doesnt match my credit history. I am a responsible consumer with no late payments, no derogatory marks and no late payments in at least 6 years yet my credit score never gets above XXXX for a mortgage. I several types of open accounts, all in very good standing. When an inquiry is made companies are being told that Delinquency or derogatory status on accounts is to recent, not enough balance paid down overtime on first mortgage accounts, not enough available credit on revolving accounts. All of these make me seem like I should have a bad credit history but I do not and when I call to resolve the issue. I am simply told that it is computer algorithm. This issue has been going on for 10 years since I bought my house. Recently my credit on one of my credit cards was decreased by over {$4000.00} because of this type of information that are inaccurately being reported during an inquiry. Currently Im using about 50 % of my credit due to Covid. I dont see how that XXXX XXXX my previous credit history. I did not work for XXXX months and had to live off of my credit cards when I was laid off for Covid and still never missed a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureau to validate these inquiries ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated : XXXX Inquiry Date XX/XX/23, XXXX Inquiry Date XX/XX/23, XXXX Inquiry Date XX/XX/23, XXXX Inquiry Date XX/XX/23 and XXXX XXXX Inquiry Date XX/XX/23
Product: Credit reporting, credit repair services, or other personal consumer reports

I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, AND ACCOUNTS THAT SAY CHARGE OFF AND ACCOUNTS THAT DONT BELONG TO ME. AND A CHAPTER XXXX LISTING THAT IS INCORRECT NOT MINE. A LETTER OF EXPLANATION IS ENCLOSED.
Product: Credit reporting or other personal consumer reports

I am writing to address the adverse marks on my credit file that have been attributed to me. While I would willingly acknowledge and assume responsibility for any valid debts, I am unable to do so in this case without Proper Validation and Proof Of Claim. As per the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting comprehensive validation of the alleged debt. 
I seek evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : XXXX. Complete payment history, as per the precedent set by XXXX v XXXX, XXXX XXXX XXXX ; XXXX XXXX. App. XXXX  XXXX. Provide a detailed verification by line item, including information on the purchase date, itemized amounts, receipt of goods, and any relevant details directly from the XXXX XXXX. 
XXXX. Date of Last Activity. 
XXXX. Full, accurate social security number that may help to identify me as the correct person you are trying to collect from. 
XXXX. Agreement that bears the signature of the alleged debtor, indicating the commitment to pay the original creditor. 
The obligation between the company and me that authorizes the collection of the alleged debt, along with any transactions binding me to an agreement to pay that company. 
XXXX. Proof of photo identification ( i.e., driver 's license, state identification card, or other government issued identification card ) presented at the time of incurring the debt. 
XXXX. Letter of sale or assignment from the original creditor to your company, including any agreement with your client granting the authority to collect on this alleged debt. ( Agreement with the client that grants the authority to collect on this alleged debt. ) XXXX v. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX ) - information relating to the purchase of a bad debt is not proprietary or burdensome. 
XXXX. Any other pertinent information regarding the creation of the debt by your collection agency like ( XXXX. Where the debt originated from, XXXX. ) The sum paid by the bad debt buyer for the plaintiff 's debt, XXXX. ) How the total amount was determined, and XXXX ) A list of documents that authorize the collection of debts. ) I must emphasize that, under FDCPA Section 809 ( b ), collection activity is prohibited until the debt is duly validated. The court ruling in XXXX XXXX XXXX XXXX ( XXXX. XXXX XXXX, XXXX XXXX XXXX ) confirms that reporting a collection account constitutes collection activity. Please be aware that this is not a request for partial validation ; rather, it is a demand for all the listed information to constitute full and sufficient validation of this debt. 
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FDCPA and other statutes. I look forward to an uneventful resolution of this matter.
Product: Credit card or prepaid card

On XX/XX/2020 I charged several food items bought at Walmart on my Capital One credit card. The total was {$24.00}. Two packages of beef liver at {$2.00} each subtotaled {$4.00}. Unfortunately, the meat was rancid. The merchant ; s refund policy was, because of the XXXX Virus, not to return items to the store but to file a claim with the credit card company. I have tried to do so repeatedly without being able to do so. First, Capital One does not allow disputes to be made at one 's account online. Instructions are to call customer service refunds at XXXX. For several weeks I have attempted to do so, but each time a recording at Capital One says that the wait will be more than an hour. It makes no provision for it to call me back, as most companies do when there are long wait-times. Obviously, Capital One is intentionally preventing the public from disputing purchases in any way whatsoever..
Product: Credit reporting or other personal consumer reports

im sending kia finance america a dispute letter requesting deletion of the inaccurate and incomplete account they are reporting on my credit report without my consent, next since it charge off i am requesting documentation from them concerning the charge off, and they are stating that its a auto loan when its a retail sales contract which is inaccurate and account need to be deleted. i have also attach a copy of the letter that i am requesting information below.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've had this mortgage since XXXX of 2016. It's with First Bank of Puerto Rico and it has been a nightmare from the start. They are, extremely, unprofessional and criminal! I've never missed a loan payment and my payments have never been late! Every month, I've had to call numerous times and wait on hold for hours. When someone answers, I have to pray they speak english and hope they don't hang up. They refuse to take the payment. They've, randomly, increased my monthly payment for several false reasons. My Credit report shows 3 1/2 years of late payments, which is absolutely incorrect! I've made several attempts to work with First Bank PR, filed disputes with the credit bureaus, and even contacted Fannie Mae. First Bank PR has refused to fix the issue and they have refused to even respond @ any time over the past 7 years.
Product: Credit card

Bank of America XXXX BOA XXXX continues to defy the CFPB and other governmental agencies including legislation. 
This is my XXXX separate complaint against BOA, apparently your office is simply a 'Horse and Pony '' show. This time BOA has found a way to manipulate legislation by charging {$65.00} for a returned check they do so by breaking it down into XXXX separate charges XXXX. {$40.00} for " Payment returned unpaid '' XXXX. " returned check fee '' I thought REALLY i mean are you kidding me ...! I had to break down laughing for the boldness and obvious lack of respect towards all governmental agencies. Let me give you a bit of insight on how all banks respond to the CFPB 's investigations. 
the CFPB contacts the bank ( let say BOA ), a representative from BOA emails or calls me apologizing but offers NO solution. I am always stuck filing lawsuits and dealing with this alone. By the way, I have n't lost a lawsuit yet against any financial institution or credit bureau ( XXXX ). However, it is time consuming and invasive. 
So you guys can continue to be ineffective or dig down and do what XXXX XXXX Americans continue to hope for. 
Additionally, although I have filed disputes with the credit bureaus and BOA, BOA continue to deliberately violate Fed. Law XXXX FCRA ) by confirming accuracy of debt DURING the dispute process. ( In other words, they do n't give a XXXX about policy ) In the meantime, XXXX XXXX we launched last year intending to educate voters and expose political XXXX focused in MICHIGAN. However with over XXXX XXXX registered voters in our data base we decided to go national ( website is currently under construction so we can handle the heavier traffic ). But to see our effectiveness you only need to research what happened to XXXX XXXX XXXX XXXX and guess who was responsible to exposing that XXXX! 
XXXX
Product: Money transfer, virtual currency, or money service

I received an email from PayPal stating " You authorized a payment of {$400.00} USD to XXXX XXXX XXXX '' with a description " Accommodations on XXXX XXXX I don't have PayPal set up as a Payment method in my XXXX account and I have not booked through XXXX in 2 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

the customer service will not help and take care of the negative inquiries that I did not authorize that is reporting to my account.
Product: Credit card or prepaid card

On XX/XX/XXXX paid XXXX and on XX/XX/XXXX paid total balance on XXXX XXXX. Closed account after payment. Now being charged interest for previous month AFTER balance was made BEFORE new billing cycle. They are charging after my debt is paid. There is something seriously wrong with the billing system when you get charged interest after you make full payment. I honored and paid off this debt and do not understand why I am being charged extra. I chatted with XXXX on XXXX with no resolution. I advised that I was not happy and wanted this charge removed. I wanted to speak with a manager but was advised this would take up to 24 hours. 

CC BARCLAYS BANK DELAWARE XXXX XXXX AADVANTAGE AVIATOR CARD XXXX XXXX XXXX XXXX DE XXXX
Product: Credit card

Re : case # XXXX XXXX XXXX On XX/XX/year>, I received an email from Citibank stating my account was closed because of a periodic review of my credit report and, as per my XXXX report, sufficient of my revolving accounts with a balance near my limits. I have always been on time on all of my accounts. This does not make any sense. For the cards in question, my credit limit was decreased by the companies who issued the cards, and this was not because of nonpayment. 
I never received the letter they claimed that was mailed to me.
Product: Credit reporting or other personal consumer reports

I have been trying to open an account on Equifax to monitor my credit and have been unable to. I recently found out that a security freeze has been placed on my account since 2021 for reasons unknown. For the past XXXX years I have been communicating with equifax stating this problem but they are never able to help me. Ive even sent in packets on personal information to aide in my verification, and now im receiving more fraud alerts than I ever have. They keep saying we will let you know when we receive the information and they never due. I have tracking information that says they actually received XXXX of my shipments and picked it up at the postal office, which they deny.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 RE : FRAUDULENT INFORMATION ON CREDIT REPORT I have filed multiple disputes with Equifax regarding this fraudulent address and want it removed. 
I checked my credit report via the Equifax site on XX/XX/2021 and found that this fraudulent address is still on my report. 

I HAVE NEVER LIVED at the address listed below and dont know anyone who does or ever did. 

Remove this fraudulent address : XXXX XXXX XXXX XXXX, XXXX, MA XXXX Equifax needs to remove this fraudulent address because I am not associated with it in any way and never have been. 

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

I have disputed this account and reached out to this company and I have not received any information on this inaccurate account reporting on my consumer file. SEE ATTACHMENTS
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disappointed to see that the Credit Reporting Agencies are not giving their all in order to remove the accounts from my Credit Report that resulted due to Identity Theft. The Credit Bureaus failed to comply with the FCRA regulation section 605b and continued the reporting of the Disputed Items without proper Verification despite all my efforts to inform the Credit Bureaus regarding the matter. I have been sending multiple written appeals to the Credit Bureaus asking them to remove the accounts the fraudulent accounts completely from my Credit File. On my Previous letter sent on XX/XX/XXXX, I emphasized the importance of the Fair Credit Reporting Act section 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. I am a victim of Identity theft and I never received any benefits from the theft of my Identity. The Credit Bureaus can not decline to remove these accounts since I never obtained possession of goods, services, or money as a result of the blocked transaction or transactions. I am Submitting this complaint today to remind the Credit Bureaus that they have to comply with the Federal Law FCRA section 605b and remove the following accounts completely from my Credit Report : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7600.00} XXXX XXXX Balance : {$0.00} XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX {$0.00}
Product: Student loan

Hello, I recently received forgiveness of my student loans through PSLF. My loans should have been forgiven years ago. When I consolidated in XXXX, it was a person over the phone who consolidated over 20 loans. I expected my loans to be forgiven after I met my obligation and was told I did not consolidate correctly. The government did my consolidation ( over the phone- before you could go online to do it yourself ). So, I was a candidate for XXXX. After a fair amount of difficulty, I finally got the letter last week indicating forgiveness. Yay! After all of these years as a public servant. 

The problem is I overpaid by 32 payments and they will not refund my overpayments once again because of rules they made up. So some people will get it all back, others none. Also, I paid {$2000.00} through the XXXX until XX/XX/XXXX when I launched this application and realized it was likely to go through this time. I expected I would get the money back through XXXX. I reached out to their servicer, Mohela, today. They will no longer consider giving me my money back now because they have XXXX my loans. Whereas before they XXXX my loans, they " may '' have returned it ( I paid from XXXX XXXX XXXX so yeah, entitled to a refund ). 

Every step of the way, this has been a dishonest, difficult process lacking in transparency. Seems pretty clear to me. XXXX payments. Refund people. Stop the madnessXXXX XXXX  was signed into law. Pay people back who paid through that period. 
I am actively pursuing legal support at this point. It's not okay, and it needs to stop.
Product: Checking or savings account

My Bank of America personnel checking account has had fraudulent purchases made over a 3-week time frame from XX/XX/2019 through XX/XX/2019. The fraud for purchases for XXXX XXXX ( mobile co ) and XXXX ( home improvements co  ). 

The fraud claim totaled {$11000.00}. Refunded {$7600.00} and pending {$3600.00}. Bank of America stating the remaining {$3600.00} will not be issued a refund and claim is resolved. I am protesting this determination and I am owed a refund of {$3600.00}. 

XXXX XXXX fraudulent charges were refunded the value of {$6100.00}. XXXX fraud charges are a total of {$5200.00}. Refunding only {$1500.00} for fraudulent XXXX charges from Mississippi state. NO refund provided for {$3600.00} fraudulent XXXX charges from Ohio state. I, XXXX XXXX live and work full time in the XXXX Florida area. 

I have been rejected 3 times on this claim, with no validation for the rejection. Bank of America has failed to secure my financial account. I have been the victim of fraud. 

Also, I have been the victim of identity fraud in XXXX County Florida. The XXXX Circuit Court of Florida XXXX  and XXXX   XXXX  two men for {$8800.00} in bank loan received in my name in 2019. That banking institution involved determined this was a case of fraud  as well. 

Additionally, I have been the victim of identify fraud, by attempts to receive credit loans in my name. A total of 9 letters of loan rejections were received between XX/XX/2019 through XX/XX/2019. 

Finally, XXXX  as one of the three largest consumer credit reporting agencies in American has determined my disputes as a victim of fraud. 

In Conclusion, since I reside and work in the state of Florida, any purchases from Ohio State would be considered far outside of my typical purchase location and historically not accurate. As the provable victim of fraud, this further substantiates that these Ohio State XXXX   purchases are also fraudulent.

See the documents attached.
Product: Mortgage

Since XX/XX/2023, I have been trying to get my mortgage loan recast. Every time I follow instructions and submit the request, it is not responded to in the timeframe provided by XXXX. I follow-up with customer service and am given various reasons why my loan can't be recast ( e.g., it must be a certain number of days after loan settlement -- though that number changes with each request ). I then resubmit using the timeframe provided, my request is ignored, and I start the process over again. My latest recast request was emailed, following AmerHome instructions, on XX/XX/2023. I was told AmeriHome would respond in 7 - 10 days. They did not, so I followed up with a message via the AmeriHome portal on XX/XX/XXXX. That message was not responded to. On XX/XX/XXXX, I messaged using their online chat but was told I could only ask my question to the loan modification department since that's the department that handles recast requests. The problem is that consumers are not permitted to speak to this department -- I've already tried this on numerous occasions. AmeriHome will set up an appointment with someone from that department ( they say someone will call you within a 3-hour window ) but they don't. So AmeriHome has created a fake system. Yes, you can submit a recast request. But your request will be ignored and then when you follow-up, you're told to resubmit, and then that request will be ignored, and then you're told the only way to resolve your situation is to contact the department that's doing the ignoring.