23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XXXX XXXX, XXXX, I received a letter from XXXX XXXX claiming I owed a debt in the amount of {$3000.00}. On XXXX XXXX I sent a certified letter acknowledging the letter but disputing the validity. Using the USPS tracking system for certified letters, the letter I sent has been repeatedly delayed due to bad address. An attempt to deliver the letter was conducted on three occasions. When I contacted XXXX XXXX over the phone the mailing address is in XXXX, MD. Furthermore, no followup letter, phone call, or additional notification was sent stating that this change in address had occurred. My complaint is that this business is expecting me to dispute the validity of debt within a thirty day window but knew any returning mail would and could not be collected by there office. Furthermore, there was no forwarding information to the address provided when you contact XXXX XXXX by phone. This company is using practices not conducive to good business and furthermore does not practice due diligence when trying to receive debt disputes, which leaves people vulnerable to having inaccurate and false information placed on their credit report. As a victim of identity theft, I take the validity process seriously and XXXX is allowed to continue their misleading practices others will be affected as well. 

Please see below for certified mail details Tracking Number : XXXX XXXX XXXX, XXXX, XXXX XXXX In Transit to Destination On its way to XXXX, VA XXXX The package is delayed and will not be delivered by the expected delivery date. An updated delivery date will be provided when available. The item is currently in transit to the destination as of XXXX XXXX, XXXX at XXXX XXXX. It is on its way to XXXX, VA XXXX. 
XXXX XXXX, XXXX, XXXX XXXX In Transit to Destination On its way to XXXX, VA XXXX XXXX XXXX, XXXX, XXXX XXXX In Transit to Destination On its way to XXXX, VA XXXX XXXX XXXX, XXXX, XXXX XXXX Departed USPS Regional Destination Facility XXXX VA DISTRIBUTION CENTER XXXX XXXX, XXXX, XXXX XXXX In Transit to Destination On its way to XXXX, VA XXXX XXXX XXXX, XXXX, XXXX XXXX Arrived at USPS Regional Destination Facility XXXX VA DISTRIBUTION CENTER XXXX XXXX, XXXX, XXXX XXXX In Transit to Destination On its way to XXXX, VA XXXX XXXX XXXX, XXXX, XXXX XXXX Departed USPS Regional Facility XXXX AZ DISTRIBUTION CENTER XXXX XXXX, XXXX, XXXX XXXX Arrived at USPS Regional Origin Facility XXXX AZ DISTRIBUTION CENTER XXXX XXXX, XXXX, XXXX XXXX  Accepted at USPS Regional Origin Facility XXXX AZ DISTRIBUTION CENTER XXXX XXXX, XXXX Pre-Shipment Info Sent to USPS, USPS Awaiting Item
Product: Debt collection

I paid the debt they are calling about with the original biller on the date the service was provided in 2019. They made a billing error and sent me to collections. I told the collection agency this many times over the past few years. They continue to harass me. I dont owe this and I paid the provider at time of service.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX Balance : {$18.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$14000.00} ; XXXX XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$2500.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX : {$8000.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$380.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$270.00} ; ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$90.00} ; 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 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

Im reaching out with concern over an unfamiliar inquiry that has appeared on my credit report. I never authorized or gave consent for this company to access my information, nor have I applied for anything with them. This unexpected and unauthorized activity is causing me significant stress and anxiety as I try to understand how and why it happened and believe this to be fraudulent.
Product: Mortgage

I am a victim of mortgage identity theft ( a federal crime ), misprison of felony ( when the judge or enforcement agency already knows that you are a victim yet continues to violate your rights ) ; ( the State of XXXX already has a list of victims in which they paid checks for and identified each victim ) ; fraudulent foreclosure auctions, schemes involving real estate fraud, discrimination, home title fraud, bid rigging at a foreclosure auction, theft by taking, theft by deception, tax and insurance fraud, conspiracy and racketeering, both criminal and civil and fraud on the courts. 
My family was held under armed threat, duress and coercion and forced out of our home. A crew of thuggish policy enforcers multiple county sheriffs came, drew their guns on my family and I forced us out, put me in hand cuffs and in the back of a police sheriff pickup truck. An unknown man, ( bank representative from XXXX ), and realtor from a real estate auction site XXXX XXXX were at the front door as I was forced out. This unknown man proceeded to change all the locks and removed with another unknown minor, all of my familys belongings. My XXXX camera caught the conversation of the sheriffs and the unknown XXXX representative stating they put homes in Trust, sometimes it works and sometimes it doesnt. The reason for that conversation is that my home was placed in Trust and recorded in the county register, and certified by the state of XXXX  Secretary of state, all due faith, credit and authority. Full recording of sheriff conversation with unknown bank representative available. The fraudulent mortgage companies filed form XXXX XXXX or XXXX to the IRS. They stole my house and then were paid 10 ( ten times ) more than the principle amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX agreed to remove this file but it still appears on my credit please remove please remove
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove it from my Credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB please investigate this matter I have been disputing this account for over a year XXXX  refuses to remove this account even when it was stated in a CFPB responce this is credit manipulation at its best I have contacted, XXXX  they still refuse sent them copy of enclosed still nothing I see that you refer it ti OCC but I never get anything done or hear back from them I'm not asking for you to do anything your not supposed to do but if the FCRA laws are being violated and they are by false reporting I would think you can enact on that, there own report shows violations No date of last payment, no date it was closed just those reasons are violations to be removed .I give you permission to investigate
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 15 U.S.C 1681 section 602 A. States I have rights 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 15 U.S.C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 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: Credit reporting, credit repair services, or other personal consumer reports

I settled the XXXX with account number XXXX XXXX XXXX XXXX. This account has been paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent three letters challenging the accuracy of this account one on XX/XX/XXXX and the other on XX/XX/XXXX and one on XX/XX/XXXX and yet still no response. Both XXXX  and XXXX  deleted this alleged account because of many inaccuracies. The data furnisher also failed to validate this account, yet somehow Equifax has still managed to verify. They violate my rights under the FCRA by doing the following : Violation 1 : They failed to place this account as in dispute status Violation 2 : They failed to provide to the person who provided the information in dispute all relevant information regarding the dispute Violation 3 : Failure to provide complete and accurate information I have provided provided a screenshot image to proof of how Equifax has been misreporting this account. In XXXX of XXXX they have me as being on time which is then immediately followed by two 120 day late payments in XX/XX/XXXX an XX/XX/XXXX. If it was reported correctly shouldn't it say 30 days and 60 days late for those accounts? 


I have also provided my most recent letter along with the tracking number that proves it arrived to Equifax XX/XX/XXXX. 
Account Name : XXXX XXXX Account Number :XXXX
Product: Debt collection

SOUTHWEST CREDIT SYSTEM AccountXXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above
Product: Mortgage

On XX/XX/XXXX I mailed my payment for mortgage to SPS, the servicing company for XXXX XXXX XXXX. I received a automated call on XX/XX/XXXX stating that the payment is due. Again, I sent it on XXXX personally, with the SPS coupon, for a USPS Station. Today is XX/XX/XXXX and no credit of my payments has been made. This is a monthly reoccurence, not posting my payment. Still, after talking to them they say they don't have the payment. I sent SPS a copy of the receipt the USPS gave to me on XXXX, but after tomorrow the payment will be late and therefore show up negatively on my credity report.
Product: Debt collection

This account was paid in XXXX I have proof and they still keep saying that the information is not correct I have bank statement and a email confirming that the debt was paid.
Product: Mortgage

IT IS BROUGHT TO MY INTENTION THAT MY VA LOAN WAS CHANGED TO A CONVENTIONAL AFTER IT CLOSED IN XXXX. A CONVENTIONAL LOAN WAS ADDED TO MY LOAN IN XXXX OF {$28000.00} SOMEWHERE IN THAT BALLPARK. THEN IN XXXX, A LOAN WAS ADDED OF {$30000.00} BY THE OWNER OF MY HOME IN XXXX I DID A BACKGROUND CHECK, AND SURE ENOUGH, HE TOOK OUT A LOAN IN XXXX. I SENT DOCUMENTS TO TRUIST AND TO CFPB. VA DO NOT DO CONVENTIONAL LOAN OR INTEREST-ONLY. I HAVE SENT DOCUMENTS SHOWING THAT I HAVE PAID 3 TIMES AS MUCH IN INTEREST NONE IN PRINCIPAL. I CAN NOT SEND DOCUMENTS FROM THIS SITE. BUT HOW CAN THE GUY I PURCHASED MY HOME FROM STILL TAKE OUT LOANS ON MY PROPERTY? HE TOOK OUT SOME EQUITY {$28000.00} AND I WAS UNDERWATER IN XXXX WITH NO EQUITY. AND CHARGE IT TO MY PRINCIPAL. I HAVE SENT SUPPORTING DOCUMENTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX/XXXX XXXX, XXXX XXXX XXXX, Chapter XXXX  Bankruptcy Discharged XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I initially made a complaint regarding several items on my Experian credit report that are the result of identity and involve items that are in collection. I attempted to file a complaint previously against Experian and they claimed they did not recognize the person. I am attempting file the disputes related to identity theft.
Product: Credit reporting or other personal consumer reports

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

( CREDITOR NAME ) never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

To whom it may concern, My name is XXXX. Back in XXXX I called Discover Card and we agreed on a settlement. They sent me a letter confirming our agreement and that Discover will accept {$3000.00} as a settlement. As promised, I sent all money orders and I wrote on all money orders Endorsement of this check constitutes payment in full. You agree to delete account within 30 days from my credit report. 
They cashed all checks on XX/XX/2022 and never deleted the account and continued since then to report it on my credit report. This is a breach of contract rights. Also, Discover breached the agreement by still reporting to the credit bureaus that I still owe {$7100.00} while we agreed on the {$3000.00}. They sent me a letter that I owe XXXX  XXXX. How could I owe XXXX  XXXX on an account we agreed to pay XXXX  XXXX on and thats the settlement and agreement?!?! I will attach all proofs. 

Regards, XXXX
Product: Debt collection

I had a collection account with XXXX XXXX XXXX they sold it to Gamachie & Myers P.C. but then took the debt back. So I Paid off the amount with XXXX XXXX XXXX the current owner, they will send a letter within 30 Days stating that Account number ending in XXXX was paid in full on XXXX So today I am served with papers telling me we are going to court the people who filed the Law Suit is Gamachie & Myers P.C. In the letter they say the current owner is XXXX XXXX XXXX so they are trying to collect on a debt that is paid with XXXX XXXX XXXX. ending in XXXX I have a payment schedule from XXXX XXXX XXXX., on a second account I spoke with the today and they confirmed they own the account and seen where I am Making Payments. 

So I contacted Gamachie & Myers P. C. and explained I paid the full amount to XXXX XXXX  and I have a payment schedule with them on the second collection. She told me she dont care XXXX it up we are going to court. 

To me this is Illegal to collect the same debt twice especially when they dont own the debt. Either way the debt is being paid to XXXX XXXX XXXX who owns both accounts
Product: Checking or savings account

XX/XX/year> I deposited a check ( in person ) into my checking account in the amount of {$17000.00}. The banker informed me that the remaining amount would be available within XXXX business days. 
XX/XX/year> {$220.00} of the {$17000.00} was available for use. 
XX/XX/year> I contacted customer support regarding the remaining funds availability. The representative stated that the bank had to place an extended hold on the check because they were not able to verify funds from the check issuer XXXX XXXX. The representative then stated, fund would be available XX/XX/scrub>XXXX XXXX XXXX XXXX 
XX/XX/year> I checked my account and funds still arent available. 

*Per XXXX XXXX guidelines for funds greater than {$220.00} and if there has to be an extended hold on fundsXXXX XXXX will contact the account holder to inform there will be an extended hold. Additionally, per guidelines it states that extended holds are within XXXX business days. 
XXXX XXXX has not provided the service I expected as an account holder and withholding my funds and not informing me is not acceptable as I am not able to make necessary arrangements within timely manner for my daily life needs if I am not informed.
Product: Debt collection

To whom it may concern, There are multiple collections coming after me that i have no idea the original creditor. I never signed any documents with any of these companies i will put in the attachments. I have tried to call XXXX XXXX XXXX XXXX, & spring oaks to have a better understanding what they think I purchased from them. To me this is all fraud and inaccurate information. As I asked them for proof as to why i owed them the money and they never provided any.
Product: Mortgage

Shellpoint Mortgage Servicing Company has been unable to resolve this issue for about 5 years. They say I'm behind on mortgage payment ; I have sent them proof of payments, copies of cancelled checks for the past 5 years and have called them but they have not reconciled their data. They are unable to tell me when was the original date they claim I missed the payment. I have stopped calling them because it is a waste of time. I get bounced from one person to another with no resolution. They keep asking me to send more paperwork which I have faxed, sent by registered mailed, etc. In the meantime, they keep adding fees because they say I have not paid the total amount to bring the loan current. They are not applying my payments to the loan and hold it for 3 months before it is applied as paid. 

On the last invoice they added {$320.00} to the amount due for escrow ( taxes and Insurance ). There should not be an escrow account on my loan because I pay for the Taxes and the Insurance ( always have ) .I have sent them proof of that but again they are unable to keep their records straight.
Product: Debt collection

I have previously tried submitting a complaint with this company.. XXXX XXXX was the original creditor. The amount on the alleged account is {$730.00} dollars. I C system has finally decided to respond only to say that they aren't the ones who brought the account although let XXXX XXXX says the original creditor was XXXX, yet the account is with them and they, ( I C system ) are the ones trying to collect this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4100.00}, {$22000.00}, {$5300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4100.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$22000.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5300.00} -This is not my account.
Product: Debt collection

I requested proof of purchase agreement, The ownership of debt transferred from the original credit and or debt collector to the debt buyer, I would like to see the FFA ( Foward Flow Agreement Under 15 USC 1692 G I am disputing this debt for the following reason 1. This account is not mine 2. I have no prior knowledge of this account 3 They have not provided enough proof to show that this debt belongs to me I request a copy of the original contract that includes the original information of the creditor with my signature, a bill is not a contract I have yet to be provided with that information so I am requesting this debt be removed from all 3 of my credit reports
Product: Credit reporting or other personal consumer reports

Recently, I've conducted an investigation on my credit report and have come to encounter numerous discrepancies and inaccuracies. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX CA, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX CA XXXX XXXX