23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I purchased a property using a VA Loan on XX/XX/XXXX through USAA. My closing attorney paid the XX/XX/XXXX property tax ( {$1400.00} ) on XX/XX/XXXX. The Mortgage company paid the property taxes again on XX/XX/XXXX with funds from my Escrow account. The Mortgage company acknowledged verbally on the phone that they had made a mistake and that once they had received a refund from the County Tax office, they would deposit {$1400.00} back into my Escrow account and reassess my Escrow payments. On XX/XX/XXXX I spoke with a customer service manager, XXXX and he said the funds would be deposited back into my Escrow account no later than XX/XX/XXXX. I have spoken with customer service representatives multiple times in late XX/XX/XXXX and early XX/XX/XXXX asking them to provide an invoice with the transaction code, so I can confirm with my County Tax office that they received USAA 's payment on XX/XX/XXXX and are either holding the funds or have returned them to USAA. The USAA customer service group is claiming that they can not provide the invoice, because it needs to come from their Escrow/tax management group, which they can only send written requests too. They claim they have asked the Escrow/tax group provide this information, but have not received it yet. 
I suspect that USAA is intentionally holding these funds in limbo slush fund to earn money or someone at USAA is embezzling money from Escrow Accounts. 
I want the extra property tax payment of {$1400.00} made on XX/XX/XXXX refunded to my account.
Product: Debt collection

This correspondence is a notice of default with an opportunity to cure before I file suit depending on your response to this complaint. I have sent you an affidavit along with an invoice for several consumer rights violations under FDCPA for a federally protected consumer. I would like to clear this matter up out if court, if we cant reach an agreement I will file suit and you will be served immediately. 

I entered a consumer credit transaction using my open ended credit plan meaning, l, the holder of my social security card, a form of a credit card pursuant to 15 USC 1602 definition where I am both the creditor and the seller allowed The creditor to extend me my own credit from my open ended credit plan. I am the originator of all consumer credit transactions better known as the original creditor. I gave my credit to creditor to extend back to me making them a creditor/debtor. I entered a consumer credit transaction. 

I NEVER gave you or any other debt collector permission to send me a bill/statement through the mails trying to coerce payment and threatening me to report to cras or any other agency if I didn't pay this alleged debt. On record These are all alleged debts that I owe and Pursuant to 18 USC 8 I know All obligations of indebtedness are the obligation of the UNITED STATES. 

Two the contractual agreement your sending my collection bills/ statements for has already been paid with my open ended credit plan all correspondence from your company is fraudulent. PURSUANT TO 15 USC 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 

Third, It is Fact that an affidavit is pivitol in law do to the fact nothing ( in law ) has the power to cancel out override an affidavit except another affidavit which has rebutted the first, point for point. ( Rule 902 ( 1 ) ( A ) a seal purporting to be that of the United States ; any state, district, commonwealth, territory, or insular possession of the United States ; the former Panama Canal Zone ; the Trust Territory of the Pacific Islands ; a political subdivision of any of these entities ; or a department, agency, or officer of any entity named above ) Fact, your company has no right under federal law Rule 902 ( 1 ) ( A ) to self authenticate this document. 

After defaulting on my affidavit This is your opportunity to cure our of court. You will not be able to seek legal action against me. Because no lawyer was present to witness the transaction, if you where to try to seek action the lawyer would in fact be practicing here-say because they where no physical present when the alleged transaction occurred which is illegal. 

This is for all three affidavits I sent into your company each has an invoice attached if you chose to ignore them you will me meeting me in court.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have found in corrected information on my credit report, I do not know where these accounts came from, I have tried to contact the companies and they are not willing to help me. Below is all the details which is on my credit report. 

XXXX account number # XXXX opened at XX/XX/XXXX for {$370.00} XXXX XXXX XXXX Account number # XXXX opened XX/XX/XXXX {$3600.00} XXXX XXXX XXXX ACCOUNT # XXXX XX/XX/XXXX balance {$0.00} XXXX XXXX account # XXXX opened XX/XX/XXXX balance {$0.00} XXXX XXXX XXXX # XXXX Open XX/XX/XXXX {$990.00}
Product: Credit reporting

I have filed dispute to Credit bureau but they do n't give me proper notice of the investigation
Product: Debt collection

VANCE AND HUFFMAN LLC is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$5800.00} does not belong to me. This account was fraudulently opened through this company in XXXX of XXXX an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Checking or savings account

There is a charge on the statement listed as NONATM DEBIT for XXXX from XXXX NY. We did not authorize nor complete this charge. On the same day we were in Nj and never left the state. There were other charges the same date with location proof on the statement showing Nj. The bank refused twice to remove the charge. We asked for video proof at the machine, how an ATM can withdraw XXXX and also why would someone who had over {$6000.00} ask for a balance inquiry right before withdrawing XXXX. All answers were, we can explain, but you had possession of the card so we deny the request for reversal An investigation by us has revealed similar situations by an extraordinary number of customers from TD bank. Most recently there has been an arrest related to an XXXX XXXX  employee who processed withdrawals through their customer accts exactly in this fashion. We are only asking for that one charge and the related charges ( totaling {$6.00} ) for balance inquiry and non TD ATM withdrawal on that day to be reversed or for them to show proof that we were the ones that took the money out. Every ATM has cameras so there should be video proof. If not that, then answer my question as to what ATM allows for pennies to be withdrawn? Please help! Also, an investigation of TD bank should be warranted based on the number of complaints with the same issue.
Product: Credit reporting or other personal consumer reports

This is the third of a related complaint. Background : I had an affordable apartment approval revoked due to inaccuracies on XXXX 's credit report. 

One of those errors was XXXX credit card. I made my final settlement payment on XXXX and was told in 30 days it would reflect as " settled paid in full ''. 30 days later, it did not, so I called. A supervisor said they would escalate. Around XX/XX/XXXX, the affordable unit I had been approved for was denied, citing the credit cards as the only reason. I called XXXX again and was told it would take another 30 days and the issue was escalated to upper management. 

Sometime in XXXX, upper management denied the dispute, saying that it was reported as a XXXX balance " paid in full '' and they had no control over the credit bureaus reporting it correctly or not. They also issued a dispute with the credit bureaus, without my authorization. Please note, that some apartments will not approve a lease when you have an open dispute. I did not authorize XXXX to initiate a dispute with the credit bureau. 

I just called again today and the supervisor acknowledged the error and that upper management should not have denied the dispute. He opened a new dispute with another level above upper management and said it would get resolved in 1-3 days. However, the damage is already done and they are not offering compensation for any of this. 

No one has ever disputed that the balance is XXXX as a paid-in-full settlement. 

Also, I checked the credit reports today and saw the " disputed '' code on the XXXX card. After my call with upper management today, I noticed the " disputed '' code had been removed, just an FYI.
Product: Mortgage

I'm disputing a mortgage loan # XXXX, in which I have been denied for a loan modification after being in a Forbearance plan offer by Cooper when Covid 19 pandemic started. I have been placed into the Forbearance plan since XX/XX/2020 in which Cooper extended for 18 months this program claiming that I was going to received a solution. Now I have received a denial letter stating I have to reinstate my loan or else they will proceed with reporting my credit report that I am in delinquency and proceed for foreclosure process. First I want to start from the beginning when all this financial hardship started. When the government announce that we were under the Covid 19 Pandemic and that everybody had to stay at home obligated as a Government mandatory Shut down. This cause me to be into a burden hardship because I was able to work and with this also my tenants when thru the same situation were they couldn't pay me rent. This cause me to get delinquent with Mr. Cooper and they promise me a solution by placing into the Forbearance in the meantime government were going to come out with a solution. Now they are stating on the denial letter the reason of why I have been denied Insufficient Monthly payment reduction in which I never requested any reduction I only request a Deferral of all payments in which I was not responsible for what happen with the Pandemic. I was never late on my mortgage payments since the last recession of XXXXI am requesting for help to save my property I willing to accept any solution to keep my property.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 


there is some inaccurate information reporting. 
XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 


there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 


1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report.he following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Debt collection

Pursuant to U.S. Code 1692g of the Fair Debt Collection Practices Act ( FDCPA ) I ask for this debt to be validated ( see attached )
Product: Debt collection

I am writing to dispute charges of AFNI account # XXXX that stemmed from past due charge at XXXX account # XXXX. I entered into a bundled package with XXXX and XXXX while living in XXXX, CO during the time frame between XX/XX/XXXX and XX/XX/XXXX. We moved to XXXX XXXX in XXXX XXXX and transferred our XXXX account at that time ; however, XXXX did not provide service in XXXX XXXX so we had to terminate the service which we did in XXXX XXXX. We paid our final bill upon leaving XXXX ( which was combined as XXXX bill with XXXX ) and then began paying XXXX XXXX directly. In XXXX XXXX, my agency ran a credit check and I was notified of a delinquent balance that was owed to XXXX. I had never received a bill or notification of this bill of any sort. Although I disagreed with the billing because I knew we paid our final bill, I paid the past due balance. The agent confirmed that our mail was returned and assured me that this would be removed from my credit report given that I had never received a bill. 
Although I thought the issue was resolved, yesterday I received a call from my agencies security personnel who asked me about a past due charge from XXXX. I explained the situation and they ran a new credit check to see if it had been removed. They notified me that a {$150.00} past due account was still showing up on the credit report. After multiple phone disconnections and well over an hour of being on hold, I spoke to an AFNI agent and explained the situation. They confirmed that the prior bill had been removed from my credit report, but informed me that there was another account with past due balance of {$150.00}. I was not informed of this in XX/XX/XXXX and, again, have never received any form of notification of this past due balance. Additionally, the AFNI agents were unable to detail what the charges were for. 
I am disputing these charges as I know I paid the last bill in the billing cycle prior to moving and I just paid an additional {$120.00} in XX/XX/XXXX. I do not believe the current charge is legitimate.
Product: Debt collection

Violation of My Consumer Rights!!! 

This is Not a request for " verification '' or proof of my mailing address, but a request for XXXX made pursuant to the above-named XXXX and XXXX. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least XXXX calendar days to investigate this information, during which time all collection activity shall CEASE and DESIST. 
If your offices fail to respond to this validation request within XXXX calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. Also {$XXXX} for each Violation commented 15 USC 1692 ( g ) 15 USC 6801 ( n ) 15 USC 6803 16 XXXX  433.2 18 USC 911 15 USC 1662 28 USC 3002-3 28 USC 3002-4 28 USC 3002-10
Product: Credit reporting, credit repair services, or other personal consumer reports

Reference to the prior dispute that you do not handle according to the XXXX  guidelines. Experian will dispute the inquires listed in my credit file that do not belong to be. After this is done. You WILL provide with the name and contact information for any source that you used to verify the inaccurate information on the credit file. You better follow correct XXXX guidelines, next step is the attorney general. Want to be sued like XXXX XXXX and XXXX. Violate my rights again. You have been warned. 

following inquires are on my credit report are not mine XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Product: Consumer Loan

I have XXXX installment loans with XXXX 's that were suppose to be 12 months no interest. I have made my month payments until XX/XX/XXXX I was n't able to make the payment so they gave me a deferment, without knowledge they are no charging me interest on those accounts. I tried contacting them and they said yes I 'm being charged interest now since I was n't able to make payment. I changed the address on the account to my current address however they would change it back to an old address. I never received any notices saying that the account would be charged interest now. Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed identity theft with the ftc and made a police report with following accounts. 
XXXX XXXX  Acct XXXX XXXX XXXX XXXXAcct XXXX XXXX XXXX XXXX XXXX XXXX I submitted both reports to all 3 credit bureaus and XXXX removed everything however transunion didn't remove the 2 XXXX XXXX accounts and XXXX didn't remove anything which is a violation of my consumer rights and the fcra.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I contacted XXXX XXXX XXXX to book a stay for my XXXX  XXXX XXXX  for the dates XXXX. They required a {$500.00} deposit payable through XXXX in which I paid. On XX/XX/2022 which was 1 week before my XXXX they text me and told me that the pipes burst and they needed to close the recovery home for a couple days and that I should start looking for another place to stay. They did not mention anything about my deposit being returned so I immediately started contacting them to see about my deposit. No one answered any of the 3 phone numbers listed on the website and XXXX  page. I sent text messages, emails and tried calling them and got no response. They even blocked me on their social media page because I was asking questions about my deposit being returned. Any messages I posted on their page they would delete. It turns out the the facility got shut down by the state because they were operating without a license. I have proof that thats the real reason XXXX  got shut down. Being that i made the payment through my back to XXXX i have contacted Chase back a couple times trying to get help from them telling them that the recovery house scammed me and and just do t want to help me. They didnt even file a claim for me because it has to do with XXXX XXXX I have been a chase customer for over 10 years and this is unfair to me. XXXX didnt help me either saying they dont have access to my banking information. No one wants to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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

In accordance to the Fair Credit Reporting Act these two companies have violated my rights ..... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15USC 1681 SECTION 602A states I have the right to privacy.

15USC 1681 SECTION 604A SECTION 2 states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be deleted immediately. 

XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX  XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXX XXXXXXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX XXXX XXXXXX/XX/2021
Product: Credit reporting or other personal consumer reports

I am writing to open a claim of unauthorized inquiries listed on my credit report. These inquiries, which I do not recognize or consent to, are causing harm to my creditworthiness and impacting my livelihood. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure that all information on a consumers credit report is accurate and authorized ( 15 U.S.C. 1681b ). The presence of these inquiries violates my rights as a consumer, as I did not provide consent or authorization for them.

Unauthorized inquiries negatively affect my credit score and financial opportunities. If you can not verify that these inquiries were authorized, they must be removed from my credit report as required under the FCRA ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ).
Product: Credit reporting or other personal consumer reports

I am not liable for this debt of with XXXX XXXX  {$1500.00} with Account Number : # XXXX I do not have a contract with XXXX NEVER HAD ONE they did not provide me with the original contract, purchase agreement, my wet signature and ID verification as ASKED So delete this inaccuracy from my report
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I filed a dispute for this account for inaccuracies showing on my credit report that is hindering me for getting approve for business line of credit because of this company mistake. The company refuse to obey the law which under FCRA states if there is any inaccuracies it shall be removed immediately so this is violation of my rights!
Product: Credit card or prepaid card

{$110.00} was charged to my Venmo debit card on file with XXXX as one of my options for paying. 

I received products from XXXX which clearly shows on their site had been cancelled months earlier as a reorder. 

I have exhausted all mean and months of time to have XXXX send a call tag for their product or I will keep it and want a refund. They refused my refund and referred me to Venmo. 
Venmo gave me three conflicting reasons for denying my refund and declined in favor of XXXX. 
I filed with XXXX  and OAG consumer Affairs WA and XXXX issued the same exact form response. I have reached out countless times to Venmo and no response it is over XXXX months and I need my money. Thank you for helping I feel I am being bullied by both. {$11000.00} is a lot of money. I did not order these items. They have admitted sending without my permission
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. The 3 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 need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$17.00} XXXX XXXXXXXX XXXX Balance : {$430.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$990.00} XXXX XXXXXXXX Balance : {$200.00}