23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing today because I do not recognize the debt you claim I owe, and therefore, I am requesting validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

Please provide the following information so I can understand and confirm the legitimacy of this debt : -Verification of the debt Identify the original creditor, including any relevant account numbers and any prior debt collection agencies involved, if applicable. 

-Proof of ownership Provide documentation verifying that you have the legal authority to collect this debt and any transfer documentation if this debt was purchased or assigned. 

-Itemized debt breakdown Include an itemized statement showing the original amount, interest, fees, and any adjustments or payments made. 

-Proof of my liability Any documents that demonstrate I am legally obligated to pay this debt. 

Additionally, please provide any documents or correspondence bearing my signature related to the alleged debt to verify its authenticity. 

Until I receive proper validation, I request that you cease all collection activities and do not report this debt to any credit reporting agencies, as doing so without proper validation would be inaccurate. 

Thank you for your attention to this matter.
Product: Mortgage

My mortgage company allowed me to go into the covid forbearance program. In XXXX of XXXX I reached out to advise I wanted to come of the forbearance and start making my reg payments! When I entered into this program I asked detailed questions about the process and was advised that it was very simple, no paperwork or anything would be needed! Well when I called in XXXX of XXXX, I was advised I'd get a call back with others! 
Come XXXX of XXXX, I still had not heard anything so I called and they advised I had a pay my due and paper work was fed ex to me! I advised I never got it and if they had a tracking number. I was then advised I'd get a call back! 
I got a call back and she had advised me the paper work never went out, and that she would work with them to reprocess everything! 
In XXXX of XXXX, I got a letter from my homeowners ( nationwide insurance ) that my home owners insurance had not been paid! I also, got a letter from my mortgage company advising me that I they were going to force new insurance because my policy had not been paid! I call them and the escrow XXXX comes back and says they will take care of it! 

Meanwhile the modification XXXX reaches out and says, that the original plan won't work because I had prev modification ( when my mother was XXXX XXXX and they needed a lot of paperwork, and wanted to process a full review, and that they had known this 4 months and just didn't call me or tell me! I finally get all request for paperwork for in XXXX! Meanwhile my home owners insurance pay my went out from my mortgage company but after the lapse date! I get a letter from them saying my insurance policy lapsed and now my mortgage company is saying they will do forced insurance! I'm so stressed with this process, they are not telling me stuff in a timely matter and if my home was to catch fire I'd have no coverage and if they make me get forced insurance then it could be less coverage and very expensive! I can't get anyone on the phone and they just seemed not want to help or take my calls! I feel like they are trying to make things hard on me! 
My mortgage company is Movement mortgage I took out the loan in XX/XX/XXXX My loan numbers is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX And this is my primary residence for myself and my XXXX children! I'm afraid they are trying to take my home or something
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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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: Vehicle loan or lease

On XX/XX/XXXX I traded my XXXX XXXX XXXX for a XXXX XXXX XXXX. I called One Main Financial for a payoff on the XXXX XXXX, which they stated was good for 30 days. Shortly thereafter, on XX/XX/XXXX, I received a check from One Main Financial for {$700.00} which I deposited. On XX/XX/XXXX I received a notice from One Main Financial stating I owed {$1000.00} because I no longer had insurance on a vehicle they were financing. I contacted One Main Financial in response to the correspondance I received and had a One Main Financial employee fax over the amount she said I owed. The fax she sent stated I owed {$420.00}. I contacted them to state I don't owe and that I received a refund check for {$700.00}. I have been receiving bills from One Main Financial for various amounts. On XX/XX/XXXX, I received a bill for {$760.00}. I do not owe the bill. Based on the refund I received, I believe that my car was paid off by XXXX XXXX. The amounts in question are an attempt to collect " FORCE PLACED '' insurance during a time when I no longer owned the vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORT. ALSO I PROVIDED PROOF WITH MY DISPUTE THAT THE INFORMATION BEING REPORTED TO THE CREDIT BUREAUS WAS INCONSISTENT ; Inconsistent " Date Open '' Inconsistent " High Credit '' Inconsistent " Last Reported Date '' Inconsistent " Date Last Active ''. HOW CAN THE INFORMATION BE 100 % ACCURATE & TRUE WHEN THE REPORTED INFORMATION IS DIFFERENT WITH EACH BUREAU.
Product: Debt collection

I lived in some apartments called the  XXXX  for  six  years always paid my rent on time. I am  XXXX  I have   XXXX   XXXX   called   XXXX   XXXX  . When I first moved in the apartment the lady who was first there help me fill out my paperwork. I started school 3 years after my moving in. In   XX/XX/XXXX  I did  go to school full load for Sprin g  XX/XX/XXXX  , I was on some type of Hud program my whole stay. The lady who used to help me do paperwork was no longer there so I did not know neither was it explained to me that I could or was not suppose to. A year later in   XX/XX/XXXX  the y told I was not then I got an eviction notice. Not only that but during the time in   XX/XX/XXXX  I we nt without air in  98 degre es for a week because of electrical problem they kept saying was just air unit but I knew because the lights fried. I told my Mom and she told me to call corporate in Tx. I also had a real bad  roach infestation t hat my Mom had to pay personally because of old neighbors moving out. I always paid my portion and only went full time  XXXX  semester because of stress. I am now stressed trying to make ends meat because the report is on credit and it is a heavy burden on me. I am stressed trying to work a little just to pay bills rent and eat. I think this report is conflict of interest and causing undue hardship on me.
Product: Mortgage

I have been paying my mortgage on time, but Seterus has diverted the funds to cover a non existent escrow account. I am now getting late fees and notices of intent to foreclose, as well as threaten legal fees. These guys are crooks
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is my 20th 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 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, credit repair services, or other personal consumer reports

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX Date of inquiry XX/XX/2020 XXXX XXXX  Date of inquiry XX/XX/2020 XXXX Date of inquiry XX/XX/2020 XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX Date of inquiry XX/XX/2020 XXXX Date of inquiry XX/XX/2020
Product: Credit reporting or other personal consumer reports

SOUTHWEST CREDIT SYSTEM has failed to validate that this account is reporting maximum possible accuracy per the FCRA. I have initiated several attempts through the credit bureaus and collection agencies to have this account validated and has not received a response and I have reason to believe that reasonable procedures were not conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts also This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting Act, US BKPT CT XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 : also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit card or prepaid card

I Purchased jewelry via a 12mo. Promotional Plan offered by Iddeal Card ( Comenity Bank ) on XX/XX/XXXX. The plan stated that I had 12 months to pay the balance. If the balance wasn't paid by XX/XX/XXXX, I would be charged interest. I followed the plan, however the plan expired prior to my last payment. I was immediately charged {$520.00} interest on a {$240.00} balance. The promotional plan did not state that I would be charged interest on the original balance - {$2900.00}. I understood that I would be charged interest ( as with all other credit cards ) on the current balance. I discovered this issue on XX/XX/XXXX, contacted customer service the same day and was told that there was nothing they could do. The plan is intentionally vague. I have no issues about paying the {$240.00} I legitimately owe. I take issue with the excessive interest charge. I have credit cards with other companies and have never been charged over 100 % interest. 

Note : The statement shows 29.99 % APR. Balance Subject to Interest Rate : {$240.00}. Interested Charge : {$520.00}.
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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX Account name : XXXX  XXXX XXXX  XXXX Account XXXX XXXX AND XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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 card or prepaid card

We have filed a complaint as per Complaint ID # XXXX about a charge on my account by my wife who is my authorized user but the company Care Credit who issued her an extension card, does not recognize her as an authorized representative. If they say she is not an authorized representative then why did they charge my account? 

My credit will be affected by this issue so I am filing the dispute in my name. 

On XX/XX/XXXX, the XXXX  clinic of XXXX XXXX applied for a {$4200.00} installment payment plan for my wife on my Care Credit Account, for a XXXX XXXX XXXX made of XXXX XXXX and XXXX XXXX XXXX Care Credit approved the installment plan for 18 months. However the XXXX clinic processed the charge before they made the XXXX. I received the first bill due on XX/XX/XXXX. I was confused why it is billed already and start the installment payment, when the XXXX is not yet made and received by my wife. 

After my wife 's couple of appointments in XX/XX/XXXX, she did not hear from the XXXX  clinic for her next appointment and then the XXXX pandemic shutdown happened. While waiting in good faith, we paid the installments due. When my wife did not hear from the XXXX clinic we contacted Care credit on XX/XX/XXXX to chargeback the {$4200.00} because we are afraid the clinic will not fulfill to deliver the XXXXXXXX Care Credit advised to contact the clinic and work with them which my wife did. We contacted the XXXX clinic on their website on XX/XX/XXXX and they called back to schedule my wife 's next appointment. Care Credit investigated and closed the dispute after they accepted the information on the XXXX clinic 's XX/XX/XXXX letter that the XXXX is already completed when it is not. My wife gave the clinic a second chance and worked with them from XX/XX/XXXX to XX/XX/XXXX, for a total of more than 8 months since the XX/XX/XXXX charge. 

In the end, the XXXX clinic failed to deliver according to specifications. They did not deliver a XXXX XXXX XXXX made of XXXX XXXX and XXXX XXXX, but a defective XXXX that falls off. The last XXXX  practitioner who assisted my wife on XX/XX/XXXX already gave up to make it fit and advised her to comeback on XX/XX/XXXX so XXXX  XXXX XXXX is present so he can decide for a refund or for any other arrangement. My wife lost confidence on this XXXX  clinic, she asked for a refund on XX/XX/XXXX. They told her they will coordinate with Care Credit but as of XX/XX/XXXX I still have that charge on my account. 

On top of this pandemic, this dispute is a great burden to me which sickens me day in and day out. Please help me have the {$4200.00} charged back from my account because the XXXX  was defective and not delivered as specified. We have acted in good faith and it is not fair that the credit card company and merchant will profit from us when we did not get what we are charged for. This wrong practice should be corrected so no one else will suffer from this dilemma.
Product: Credit reporting, credit repair services, or other personal consumer reports

8 months of incorrect information is being reported on my Transunion report.
Product: Credit reporting or other personal consumer reports

I discovered again again that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my credit report it has been well over the 30 days and I haven't received any investigation results.
Product: Debt collection

My mother ( who does not live with me and her phone # is not on my account ) keeps receiving phone calls saying they are from Macy 's and my account is past due. The # they gave to call back is XXXX. I called and they wanted my name, account # social security # and a debit card to pay my " past due '' bill. I gave them nothing, and told them I was looking at my bank statement and $ WAS debited out of my checking and I was not late. I called Macy 's directly. This # is NOT associated with Macy 's. I was told they 've had several complaints associated with this #. There are also several complaints on the internet about this #. They are not from Macy 's.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act this creditor, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

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

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit card late for any purpose.
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.

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX  Account Number : XXXX Delete this account. 

2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

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

4. The inquiry was not authorized XXXX XXXX  XXXX. 
Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX : ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you