23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Account # XXXX reference number # XXXX. My rights enacted by the FCRA, XXXX and the Privacy Act are in violation by the unaffiliated third parties I have a complaint with. For items that have been placed on my credit report. I have included attached documents of these items. As per 15 USC 6802 ( b ) and ( c ). I was never provided the knowledge of the opportunity to opt-out of my personal information being reported which is falsely being claimed by XXXX. In addition, I have late payments that are being listed that were never verified and violates my rights per 15 USC 1666b. Both the credit furnisher and reporting agencies are in violation of these acts. They are unable to provide adequate verifiable proof. Which has also been attached in the documents uploaded, providing exact types of acceptable proof to have it considered verified. Lack of this acceptable proof based on the claim is lack of corporate compliance and a crime. If the proper recordings matching the letters are not rectified within 30 days and updated immediately with proof of the update. I will exercise my rights to take legal actions. Since both parties are currently the acting fiduciary agents over my entrusted interests and information. This report is not only damaging to further business transactions, it has also caused hinderances in personal transactions as I have been denied an extension of credit which is affecting my general welfare. This leaves no other option than to take this to feral court to seek the highest claim of the Federal Reserve Act Section 29.
Product: Credit reporting, credit repair services, or other personal consumer reports

These Inquiries were unauthorized and need to be removed from my credit report immediately.
Product: Debt collection

The law firm Kahrs Law Offices PA located in XXXX kansas at phone number XXXX, Sent me a letter about a debt from over XXXX  years ago, which was not mine, for a restaurant i have never heard of and on the date of the debt, i was in XXXX XXXX, not XXXX. Additionally they are attempting to collect interest on the debt for XXXX  years which is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute letter to Equifax on XX/XX/18. I received a letter dated XX/XX/18 on XX/XX/18 requesting proof of identity and address. With my dispute I included a copy of my military id which includes my social security number and copy of a social security/veterans XXXX letter with address. In the XX/XX/18 letter they request such proof like a bank statement. Who in their right mind would send a bank statement. A copy of my award letter to me from the veterans administration or social security seems more than reasonable. And a military id with my ssn on it is federal and cant be anything but proof of id. Equifax is undoubtedly attempting to delay the investigation and would attempt to use this request as a way to delay. If i submit the items they will undoubtedly use the 15 days additional info clause. This is a rediculous attempt to subvert the FCRA and its 30 day provision ... to remove the items if not completed provision.
Product: Credit reporting, credit repair services, or other personal consumer reports

In apr of 2017 I made a partial payment of {$300.00} to XXXX XXXX and then within and week or two made another partial payment for another {$300.00} to XXXX XXXX again. They are reporting that I am XXXX days late making a payment when in actuality they do n't report anything to the credit bureaus because I filed bankrupt. I do realize they say the payment should have been made by the end of the month so they do n't report, but they have contradicted themselves now thus making my credit bad. I 'm just asking for a forgiveness letter since I have been a good customer and have not been in troubles with them. One person at XXXX XXXX tells me I 'm not late another says I am late. which one is it. I would like the situation rectified so that I can move forward rebuilding my credit. Thank you.
Product: Credit reporting or other personal consumer reports

I.C. SYSTEM, INC IS ILLEGALLY ATTEMPTING TO COLLECT DEBT WITHOUT A LICENSE TO COLLECT IN THE STATE OF GEORGIA ON ACCOUNT : ( ORIGINAL CREDITOR XXXX XXXXXXXX ) I am writing to formally request that your company cease and desist all debt collection activities related to the debt identified [ XXXX ACCOUNT XXXX ] XXXX It has come to my attention that your agency is not licensed to collect debts in the state of Georgia, as required by state law. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and Georgia state law, debt collection agencies must be licensed and compliant with all regulations in the state where they are conducting collection activities. Your lack of proper licensing in Georgia prevents you from legally pursuing debt collection actions within the state. 

I demand that you immediately cease all communication, attempts to collect, or any further actions related to this debt. Failure to comply with this request will result in legal action being taken against your agency. 

Please provide written confirmation that you have ceased all collection activities related to the aforementioned debt and that my request has been acknowledged. 

Thank you for your prompt attention to this matter. 

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

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XXXX XX/XX/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 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I wrote a formal letter on XX/XX/XXXX, requesting that Caliber Home Loans remove private mortgage insurance, as the LTV is now at 73 %. My husband and I have worked diligently to pay down the loan to 78 % LTV since we closed on our new home in XX/XX/XXXX. 
We originally put 10 % down when we first purchased the home. We were able to make a large sum payment a month after our home purchase of $ 50k to get it down to 80 %. We've continued to paid it diligently and brought it down to 78 % but the PMI still isn't removed. My husband and I have both called in to ask customer service to remove it. Nothing has been done. 

According to the amortization in my signed closing package it is removed at 77.78 % LTV. The website also says it is automatically removed at a 78 % LTV. 

I've attached the letter I mailed and also submitted to them online requesting the removal of PMI ( this letter includes a copy of the original signed closing disclosure ). I've also attached our signed closing package with amortization schedule that shows when PMI is removed. I also attached the website print out explaining when PMI is removed. Lastly, I've attached a recent mortgage statement showing what our loan balance is currently showing.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX, XXXX XXXX XXXX XXXX  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 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 on those accounts 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. 


XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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

CREDIT COLLECTION SERVICES at XXXX & XXXX keeps sending me invoice due for amount of {$110.00} to XXXX XXXX XXXX XXXX. 
Insurance was paid through XXXX and then canceled on this date. 
Recently the Credit company lowered the amount owed to half {$57.00}. 

They have NO DESCRIPTION for what the amount is owed for!!!! 
Because there is NO DESCRIPTION!!!! 

Currently the account is on Temporary hold until company gets more information from XXXX XXXX takes about 7 days.
Product: Student loan

I believe that my qualifying payment counts for XXXX XXXX XXXX XXXX are incorrect. I filed a Reconsideration request on XX/XX/scrub>XXXX  ). This request included several different months that I believe the payment counts are incorrect. I did not have any response so I called XXXX XXXX XXXX ( XXXX ) and MOHELA in XX/XX/year> to get a status update. Neither could give me any information and neither could find the case in their respective systems. XXXX told me to call MOHELA, and MOHELA told me to call XXXX. 

I submitted new Reconsideration requests on XX/XX/year>. I submitted separate requests at this point for each individual incorrect month. I waited several days and phoned XXXX to be sure they had received the new Reconsideration requests. Again, I was told to call MOHELA and XXXX could not see where I had submitted the requests. I called MOHELA and was told to call my school where the loans were originated. I am not in school and have not been in school for several years. 

I then filed a complaint with FSA on XX/XX/scrub>XXXX The complaint case shows pending on my XXXX dashboard online and as of today I have received no response. I have less than 12 months left until I reach XXXX forgiveness. I have asked for Reconsideration of 12 months of what should be qualifying payments. 

It has been almost 4 months since I submitted the original request. I expected to at least receive some communication at this point.
Product: Credit reporting or other personal consumer reports

I have disputed these accounts for multiple inaccuracies and requested multiple times from the credit bureaus to provide me with all method of verification which they never responded or provided. I want these accounts removed as they should be in correlation with FCRA. They are required to provide 100 % accurate information and submit all methods of verification which they failed to do. 

1. XXXX XXXX  - XXXX PAYMENT STATUS - COLLECTION, LATE 120 DAYS, COLLECTION DATE OF LAST ACTIVITY - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX REMOVE DUE TO INACCURATE REPORTING. 

2. XXXX XXXX - XXXX DATE OF LAST ACTIVITY - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX REMOVE DUE TO INACCURATE REPORTING. 

3. XXXX  - XXXX DATE OF LAST ACTIVITY - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX REMOVE DUE TO INACCURATE REPORTING 4. XXXX/XXXX  - XXXX DATE OF LAST ACTIVITY - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX REMOVE DUE TO INACCURATE REPORTING XXXX. XXXX XXXX - XXXX DATE OF LAST ACTIVITY - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX REMOVE DUE TO INACCURATE REPORTING. 

XXXX. XXXX - XXXX DATE OF LAST ACTIVITY - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX REMOVE DUE TO INACCURATE REPORTING 7. XXXX/XXXX  - XXXX REPORTING A COLLECTION/CHARGE-OFF BUT STILL REFLECTING A BALANCE OF {$1100.00}. 
DATE OF LAST ACTIVITY - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX REMOVE DUE TO INACCURATE REPORTING
Product: Vehicle loan or lease

When reviewing my credit report from XXXX XXXX I saw an account for a car lease from Hyundai Motor Financing that I did NOT open. I called the company and asked them to confirm if it was opened using my social security number and they confirmed. I created a case and send them by mail a letter with supporting information to remove that account from my records. 
The company has the account under a similar name but the middle name is different, this information I got it from the automated phone system when I called to inquire about the case I called the company twice asking for additional information but they have denied giving me more information because they said that's their policy when the account is under investigation. 
The account is still under my name, and the company hasn't reached out to me
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX  XXXX. XXXX Balance : {$96.00} XXXX XXXX  XXXX Balance : {$2.00}, XXXX XXXX XXXX  XXXX Balance : {$850.00} XXXX XXXX XX/XX/year> XXXX  XX/XX/year> XXXX XX/XX/year>
Product: Debt collection

We made numerous payments & then we let them know we can't afford this an we wasn't told we were getting into a financial matter as truly being responsible for a property we would never use or understood the structure I felt we spent over 1000s of dollars for us to have a amount {$3900.00} owed when they explained to us the property would be sold an wiped out for the price being sold after signed documents which we did. I was also only XXXX at the time in XXXX just walking down the street with my lady friend when we were pulled an told for a quick 15 minute video watch we could receive free stuff which is no problem but it seemed weird when we said we wasn't married an they told us to put we were.
Product: Credit reporting 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. 


Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX has violated my rights. Or list of inquiries 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 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 or other personal consumer reports

Violations of : 1. Late Payments : 15 USC 1681 a ( 2Xi ) ; 15 USC 1681 2. Permissible Purpose : 15 USC 1681b 3. Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 4. Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) 5. Verification : 15 USC 1681i ( 7 ) I, XXXX XXXX, declare under penalty of perjury that the following statements are true relating specific debts reflecting on my credit profile. The circumstances surrounding these alleged debts raise tremendous ethical and legal issues, involving fraud and coercive practices. These practices have led to an unjust financial obligation on my part, as my SSN has been used as a personal and financial gain illegally. Since there has been no consent or legitimate purpose established for the sharing of my information, any reports generated or shared without my authorization constitute a violation of this act. I expect for a detailed thorough investigation is conducted into these discrepancies and remove the fraudulent items. These accounts were opened in my name without my knowledge and continue to damage my personal character and financial well-being. Pursuant to the FCRA, credit reporting agencies are obligated to block fraudulent information within four business days of receiving proper documentation. It is clear that you have failed to fulfill this legal responsibility. The derogatory marks are 1. Fraudulent Transaction : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX : Balance : {$4400.00} 2. Fraudulent Transaction : XXXX XXXX XXXX XXXX XXXXXXXX : Balance : {$2400.00} 3. Fraudulent Transaction : XXXX XXXX : Balance : {$520.00} 4. Fraudulent Transaction : XXXX XXXX XXXXXXXX XXXX XXXX XXXX : Balance : {$1400.00} 5. Fraudulent Transaction : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$3600.00} 6. Fraudulent Transaction : XXXX XXXX XXXX XXXX XXXX : Balance : {$3100.00} 7. Fraudulent Transaction : XXXX XXXXXXXX XXXX XXXX XXXX  : Balance : {$2300.00} 8. Fraudulent Transaction : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2500.00} 9. Fraudulent Transaction : XXXX XXXXXXXX XXXX XXXX XXXX : Balance : {$1000.00} I attest that the alleged debts associated with these accounts do not reflect my financial responsibilities and are in result of practices that are deemed fraudulent. I am disputing these accounts and request that by resolving this dispute that they are blocked and deleted from my credit profile. By doing so is crucial to rectifying the inaccuracies and relieving the undue burden they have imposed on my financial standing. I am aware of my rights under federal and state laws regarding credit reporting and identity theft. I declare under penalty of perjury that the information provided in this affidavit and accompanying documentation is accurate and truthful.
Product: Mortgage

Shellpoint is trying to Forclose on my property after lieing about not recieving payments.I was in a loan modification which didn't lower my morgage like it was suppose to the legal way.I paid by money order which has money order receipts.They lied like they didn't recieve the payments but they were putting the payments towards the Escrow for an excuse to act like they didn't recieve it.I paid my bill one whole week ahead of time to only be told that it wasn't there.Now a Forecloser to try to cover up Embezzlement.My house is in a payed off status.After i let the credit bureau XXXX XXXX know that i didn't recognize oweing XXXX dollars that showed on my credit report after my loan being paid 100 percent off was on my credit report. Which i have proof of.Shellpoint illegally filed a XXXX  XXXX instead of a XXXX when i filed a Bankruptcy that i clearly didnt need because that what they said do.So now they are in a hurry to Foreclose to cover their lies.They know that i've paid my morgage monthly i have proof.They stole a month of morgage to even get this Bankrupcy started.So i would like to file a law suit against Shellpoint.
Product: Mortgage

Hello - I recently paid my mortgage down from XXXX ( original loan amount ) to XXXX. The balance is 78 percent of my loan amount. I just spoke to my lender, First National Bank, and requested that Private Mortgage Insurance be removed. They said that I must first submit a {$400.00} check for an appraisal to determine the value first. But it appears in this post and in looking at the legislation that that should not matter. The determination legally should be made on my original value amount, not an appraisal. This insistence that I pay them {$400.00} for an appraisal seems like an egregious attempt to circumvent consumer protection law. If they are relentlessly giving me the run around on this, how many other people are they doing this to?
Product: Credit card or prepaid card

Regarding XXXX XXXX XXXX XXXX Credit Card from Capital One Application Number XXXX : On XX/XX/2019, I applied on-line for a XXXX XXXX XXXX Credit Card from Capital One Bank ( USA ), NA. The XXXX XXXX XXXX  Credit Card is advertised as a card for XXXX with little or no  credit history who want to build such history. My application for this card was done with that intent. Surprisingly, instead of approval, I received a Capital One letter dated XX/XX/2019 which indicated my application was denied due to too few or no accounts and/or score not available, insufficient, or unknown credit history. 

In response to the XX/XX/2019 denial letter, I wrote to Capital One seeking  the reason ( s ) for the denial. Instead of an explanation, I received a letter dated XX/XX/2019 which had virtually the same denial wording as the prior letter. This response was not helpful as I tried to understand the denial. 

I then requested my personal credit reports from XXXX, XXXX, and XXXX. I have reviewed those reports with my family and we find no negative issues other than a limited credit history ( which is not a reason for a denial of this credit building card ) which would cause Capital One to deny my application. 

I am a XXXX  with a limited credit history so I meet that criterion for the XXXX XXXX XXXX  Credit Card. I have one other credit card which is in good standing, so my limited credit history is favorable. That meets another criterion. Capital One has been non-responsive to my attempts to get clarity about the denial of my application.