23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing this letter in because I checked my credit reports for accuracy as I am in the process of being pre-qualified for my very first mortgage through the First Time Homeowners Buyers program, and I saw a debt from XXXX XXXX for CAPITAL ONE BANK USA N A in the amount of {$600.00}. Since I do not believe I owe this debt, I am requesting that you comply with Section 809 of the Fair Debt Collection Practices Act and send me verification and validation as well all documentation proving that I owe this debt ; and ( 4 ) A copy of your license to practice debt collection in my state. I am also requesting that you send a copy of this letter to the original creditor notifying them that I dispute this debt so that they can not report it as delinquent on my credit report. Likewise, if you have reported this debt to any credit bureau, I request that you also report to them that I dispute owing the debt. Please notify me when you have done so. If you need to contact me in the future, I insist that you do so by mail. I am not allowed to receive personal telephone calls at my place of employment. I also prefer that you not phone me at home regarding this debt. All future contact should be by mail. Thank you.
Product: Mortgage

Applied for fha mortgage on XX/XX/XXXX XX/XX/XXXX still haven't close Was told by XXXX XXXX at XXXX XXXX XXXX Highway XXXX XXXX XXXX, AL XXXX He had " lost '' our mortgage paperwork 4 times. 
We have been told by XXXX XXXX " We are close to settlement any day '' For 3 months. 
I have already applied for and RN licenses in Alabama based on this mortgage and have XXXX potential employers awaiting my settlement. 

We were notified by XXXX XXXX we would be at settlement this Wednesday the XXXX and now he is stating he has not gotten us to settlement yet. 

Does not reply to messages, work voicemail has been full for over a month. 

XXXX cut to is the underwriter who has not responded to voicemail or email in over a month
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the XXXX XXXX XXXX. I want the items listed in my attachments deleted from my credit reports effective immediatley. I will also be attaching proof of XXXX admitted that I was in fact a victim of this Data Breach and XXXX has done nothing but lower my scores and hurt my ability to obtain credit by consistently reporting false information. Please helpl me delete these illegal accounts from my consumer report.I will also attach the recent FTC REPORT : XXXX. [ XXXX XXXX BANK XXXX ] - [ XXXX ] XXXX. [ XXXX XXXXXXXX ] - [ XXXX ] XXXX. [ XXXX ] - [ XXXX ]
Product: Credit reporting or other personal consumer reports

Same complaint as in XXXX. Address is again Missing from credit report. I have sent multiple times ID information to have my address readded to my acct. The Fact that Experian refuses to keep my address on record is concerning to me. 

Also they have my acct in a " Special Services '' department because I followed the FCRA and advised them many years ago that I would seek legal action if my credit file was not updated. It still has not been by the way. The reaason for the " Special Services '' department according to Experian is so that I may recieve 1 on 1 dedicated care, but yet they refuse to update my report or keep my personal information on my profile so that I may follow through with disputes and such. 

I have to call the " Special Services '' department department during regular working hours ( XXXX ) when a normal consumer can call until XXXX XXXX  EST and when I do call with a dispute or bring up valid dispute reason the " Special Services '' department always finds a reason not to dispute or remove an item.
Product: Credit reporting or other personal consumer reports

In accordanse with the Fair Credit Reporting Act. The list of the accounts below has violated federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Has violated my rights.

I have never been late on these accounts. You stated the account information was verified. I then specifically requested additional information about the Method of Verification used. You are required to respond within 15 days. You FAILED to do so in a timely and responsive manner and are in violation of federal regulations.

I am making a final goodwill attempt to have this matter resolved. As such, you must now remove the late payment information and mark the account as paid as agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to report XXXX student loan provider as a bad actor in reporting false information to the major credit bureaus Experian, XXXX and XXXX. It has been falsely reported on my credit reports that I have 14 delinquent accounts with the company. I recently spoke with a representative from XXXX that advised me all my accounts were reported as in good standing, however this verbal response poses as a discrepancy compared to my actual credit reports. I previously consolidated my 14 loan accounts into 2 accounts. However, the loans were in good standing before consolidation and are now being reported as delinquent.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00} ; XXXX XXXX XXXXXXXX Balance : {$600.00} ; XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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: Mortgage

On XXXX XXXX, 2015 I made a payment of {$1800.00} to XXXX XXXX XXXX XXXX, in satisfaction of my XXXX mortgage payment of {$1400.00}, due on XXXX XXXX. Per the terms of my mortgage loan, the additional payment of XXXX was to be applied against principal. On or about XXXX XXXX, 2015 XXXX XXXX XXXX transferred the servicing of my mortgage to US Bank. It is my understanding that when this occurred, the {$1400.00} portion of my payment was sent to US Bank at the time that the servicing was transferred, but the additional {$350.00} was retained. I called XXXX XXXX prior to XXXX XXXX to understand why the additional payment had not been sent, and they responded that the additional monies would be wired on XXXX XXXX. In reality, the monies were sent by XXXX on XXXX XXXX, with instructions that the payment should be effective as of XXXX XXXX. US Bank received the wire on XXXX XXXX, and applied the amount to my escrow account. I later called US Bank to have the additional {$350.00} applied to principal as of XXXX XXXX, but they would only apply it to principal as of XXXX XXXX. I called XXXX XXXX to understand the situation on their end, and they acknowledged that their system did indicate that the wire should have been sent on XXXX XXXX, but it was only sent on XXXX XXXX. However, they have asserted that they did include instructions within the wire that it should have been effective as of XXXX XXXX.
Product: Credit card or prepaid card

I have a 24 months interest-free acct. with Home Depot. ( HD ). I  make a payment every month but the HD keeps charging a late fee. The checks arrive on time, however, the company charges me a late fee. This has been going on since XX/XX/XXXX. I have tried to resolve the problem on phone as well as by writing letters to no avail. This is a fraud : Home Depot issued no interest but is making up for the loss of interest by charging fraudulent late fees. As matter of fact, since opening the acct I have paid more in fee than I would have paid in interest.
Product: Mortgage

SLS denoted ( on XX/XX/XXXX, attached ) XXXX XXXX ( acting unnamed and unidentified ) took adverse action ( on XX/XX/XXXX ) against me " at the consumer 's request '' ( attached - SLS_XXXX  ). I had never made this request. HOWEVER, XXXX XXXX, ( one week earlier - XX/XX/XXXX ) knew Mr. XXXX ( anonymously ) would be acting upon this impersonated request ( attached - XXXX ). AND SO, I asked for the information so we can identify who impersonated me and made this request that Mr. XXXX acted upon.
Product: Debt collection

Please be advised that this is my 3 rd WRITTEN REQUEST AND FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my right and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite my previous 2 written requests, the unverifi
ed items listed below still remain on my credit report in violation of Federal Law. You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate, but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of that of the documents that you used to verify the disputed accounts like you said you did. Your failure to delete the disputed accounts that you can not verify after 2 written requests is also evidence of your Willful disregard of Federal Law.

When we go through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you do not have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and Court will order you to delete them.

You say that you have reinvestigated these accounts but you have admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation in violation of 1681 { a } { 4 }.

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law.

Please be advised that under Section 611 { 5 } { A } of the FCRA-you are required to .PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED. I request that you do this immediately.

The law is very clear as to the Civil liability and remedy available to me { Section 616 & amp ; 617 } if you fail to comply with Federal Law. I am a litigious consumer and fully intend on fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I DEMAND THAT YOU DELETE ALL OF THE ACCOUNTS LISTED BELOW IMMEDIATELY. PLEASE PROVIDE ME WITH A COPY OF AN UPDATED AND CORRECTED CREDIT REPORT SHOWING THAT THESE HAVE BEEN DELETED. 


Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name BaNK OF AMERICA Date openXXXX Account Number Reason for dispute__WITHOUT EFFECTIVE CONSENT_ Account Amount_ {$7800.00}
Product: Credit reporting

I am disputing a public record on my credit reports with all XXXX credit bureaus on verifying bankruptcy information on my credit reports. I have submitted letters asking all three bureaus verify this public record and " send me copies of the documents listed in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts, then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). '' I stressed the fact that " Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted '' I asked for copies of how they verified the information, who they spoke with, etc. The letters were sent to Experian, XXXX via certified mail. I 'm not sure if proper process was followed, but the only response I received was a letter stating that the accounts were verified. My initial request for documentation was completely ignored. I personally sent a letter to the US Bankruptcy Court and asked if my case had been verified by them and with whom they had spoken with and I was informed that they do not provide case information to anyone, including the credit bureaus. It is also my understanding that Under FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ), unless I have authorized The Bankruptcy Court, Trustee, XXXX, etc to furnish any information pertaining to me to any third party or CB, they can not do do. So, how has my information been verified? If they have not verified the information or can not verify such said information and send documentation as requested, it must be deleted immediately. Experian, even basically told me that my dispute had been previously processed and they would not dispute again unless new information has been sent in. I was under the impression that they were supposed to dispute information as requested. This information is damaging to my reputation and credit worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have worked on my credit dilliently for a number of years and suddenly get a Collection for {$640.00} from Eastern Account System on behalf of XXXX XXXX. I do not owe them any money. I attempted to get details on when the debt was incurred and for what address, etc and I was unable to from Eastern. I disputed it through the bureaus and did not get the information either.
Product: Credit reporting, credit repair services, or other personal consumer reports

I also checked my Equifax credit report and I still see the Bankruptcy that I have filed a complaint before and it is still on my credit report. This XXXX XXXX bankruptcy is said to be erroneous. The Equifax and the company failed to provide proof and I never received any proof of the investigation was conducted, which I have been requesting for several times.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly state that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I file litigation due to the stress you caused me. My information was impacted by the equifax data breach and my have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I have a collection on my credit report and they got my identity for the amount {$860.00}.

I have 2 student loans they got with my information my name and Social Security. 

Dept. of Education student loans for the amounts : XXXX ) {$3000.00} XXXX ) {$1700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly started that a failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report it has been over XXXX  days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Money transfer, virtual currency, or money service

PayPal close my account for not reason and them will not help me with Getting it back up and going. Every time when I try to withdraw my money from my account PayPal hold my access. 
They just made all difficult for me. 
I received email after 180 days about my money is available. 
10 months waiting for PayPal and they do not help me withdraws my funds. 

PayPal do not respect their own polices, why they keep my money hold if i received the email money is available. 
I don't want PayPal anymore but I just want my money now. 

i guess PayPal should improve the services to customers. 

my email is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit reporting act. The List of Accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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 XXXXXXXX 15 USC 1681 section 602 ( a ) ( XXXX ) - I have rights to privacy. 

15 USC 1681 Section 604  ( a ) ( 2 ) - states that a consumer reporting agency can not furnish a credit report without written consent from the consumer.

15 USC 1681c ( a ) ( 5 ) - states that no consumer reporting agency may make any consumer report containing the following items of information ... Any other adverse information, other than records of conviction of crimes which antedates the report by more than 7 years.

15 USC 1681s-2 ( a ) ( 1 ) - A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I previously set up a payment arrangement with ARCI in order to address the bill that has been in collection with them since 2016. In 2016, I underwent XXXX to remove XXXX from my XXXX and had to pay my portion of the XXXX in order to schedule the XXXX. I have not been able to recover financially from that procedure. I am currently on XXXX and have been unable to work and receive a sustainable income. I called ARCI in hopes to push back my payment arrangement since I have a new procedure that I have to pay for. XXXX XXXX immediately got rude with me and refused to negotiate a new arrangement with me. She told me to wait to get the procedure and pay ARCI instead. I told her the procedure can not wait and if I wait, I could be dead and then they'll never get their money. I told her that I have every intention on paying them back, I just need to postpone the payment. She hung up on me before I could express to her that I'd have it paid by XXXX. When I called back to speak to a supervisor, I was told by the receptionist that XXXX XXXX IS the supervisor. XXXX XXXX was very unprofessional in her approach with me. I am not sure how anybody will pay someone who insults them and advises them to postpone a potentially life saving procedure just so ARCI can get their money.
Product: Debt collection

I have reached out to the company several and they have failed to respond to my complaints as well affidavit of truth. you are a 3rd party debt collector ( Lockhart Morris & Mo ) you are allowed to collect on a debt but not my personal information .this is a violation of my right according to the fdcpa title 15 usc 1692 2.in your bill alleged i owe this debt thats a violation 15 usc 1692 b2 3.15 usc 1692c c3 you called me at my place of employee harassing me and using profane language at and on convent time 15 usc 1692D 4.you have repeatedly called my phone when i notified you to cease all communications 15 usc 1692D 5.you threaten to sell my property this is a violation 15 usc 1692e 6 you know legal right only the power of a natural person can sue this is a violation 15 usc I this has no greatly harm my consumer report 7.15 usc 1692j deceptive forms you made this contract seem as though i owed a debt see statements you have sent out 8.15 usc 1692 k civil liability any violation found in a case is 1,000 per individual violation.

I have provided and ftc report according to section 605 b of fcra this item should be blocked within 7 days i have included it in my complaint. 
your company is criminally and civilly liable and demanding remedy.
Product: Debt collection

I recently reviewed my Credit Report and noticed that I have an incorrect report on my Credit Report. I don't have any signed agreement nor delt with LOCKHART, MORRIS & MONT. I'm requesting this company to be refrained from reporting to any of my Credit report Agency. This report is hurting me from acheiving good credit report.
Product: Credit reporting or other personal consumer reports

I am requesting a pin from XXXX XXXX, XXXX, Experian, XXXX, i have a had some fraudulent activity on my credit report and want to protect my credit.
Product: Credit reporting or other personal consumer reports

There are two bankruptcies being reported on my credit file listed below : XXXX  XXXX bankruptcy : REFERENCE NUMBERXXXX XX/XX/XXXX XXXX  XXXX bankruptcy : REFERENCE NUMBER:XXXX XXXX XXXX XXXX When I reached out to the courts I was told they do not report to the credit bureaus.

The credit bureaus also stated they do not participate in the investigation of the disputes but fail to explain who does. Who is the source because the bankruptcy court isn't reporting these records.

Rule 9037 Protecting Privacy for Filings the credit bureaus have failed to protect my privacy.

Additionally, the Bankruptcy Court does not report, furnish, and/or transmit bankruptcy Court records or other information to the credit reporting agencies.

The bankruptcy court, for cause, may protect an individual, with respect to the following types of information to the extent the court finds that disclosure of such information would create undue risk of identity theft or other unlawful injury to the individual or the individuals property.

The credit reporting agencies independently obtain Bankruptcy case information.

RULE 9037 is a law in place to protect privacy filings to the public the purpose of credit reporting is for creditors to REPORT NOT THE CREDIT BUREAUS.

The credit bureaus are violating my privacy rights also being that I am a victim of identity theft they are putting me at risk.

I did not request the bureaus to report, furnish, and/or transmit bankruptcy court records or any third party information on my credit file. These bankruptcies are not being reported or validated by the courts.
Product: Debt collection

To whom concern On XX/XX/2021 I reached out via mail to National Credit Adjuster to verify a debt that they are reporting on my credit and here we are day 30 with no debt validation letter. This company failed to respond within the 30 day limit. Also this company never sent out a debt validation letter. They just started reporting without warning me.
Product: Checking or savings account

Wells Fargo denied my claim of {$4900.00} of 2 unauthorized transactions of {$2500.00} and {$2400.00} dollars about my XXXX account was hacked. I responded the day the transactions were made on my account to Wells Fargo. Gave them support evidence from XXXX and showed that they were not me. I spent countless hours on the phone with both companies after my account was hacked.