23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I was receiving constant calls from their company even after I made arrangements to pay. In addition they called by XXXX of my family members in XXXX day ( my parents homes and they are elderly and my husbands place of employment and left messages with both. XXXX of the calls made on the same day was at my spouses place of employment where they left a message as well. Harrassment They had a good contact number for me and actually spoke with me. They intintially damaged my credit because of this dispute. I have legal counsel on retainer for this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft. I did not make these these charges indicated with the list. I meet all of the requirements for blocking and removing information from my consumer report under 15 USC 1681c-2. Failure to comply is a breach of my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and CAPITAL ONE with no successful resolution. XXXX   and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.
Product: Debt collection

I paid a medical bill due to XXXX XXXX XXXX in the amount of {$3000.00} in full on XX/XX/XXXX. I received a phone call in the end of XX/XX/XXXX from a debt collector from Harris & Harris , LTD about this amount being owed. I informed them that I had paid the bill in full and they indicated they would confirm that is was paid and take care of it. I heard nothing else, no letters, no phone calls, nothing until XX/XX/XXXX when I received a settlement letter from Harris & Harris LTD for this bill that was never paid. I immediately called and informed them that I had paid in full. The debt collector stated that they saw my response in the notes but it was never removed and they had reported to the credit agencies this debt was outstanding. I immediately sent them an email correspondence and letter stating that it was paid in full. I have sent them additional correspondence and not heard anything for over 15 days.
Product: Bank account or service

I was called by a lady at the XXXX Idaho branch. She stated that they were closing my account and could no longer do business with me. She stated that I was on XXXX. I told her that my account had been opened for a.couple months and that the branch manager was aware of my situation. This is why I got a fresh start checking account. The lady was extremely rude and informed me that my debit card was shut off over a week ago. I asked why I was n't notified BEFORE it was turned off and why I am just now being aware of these problems now ... after the account has been open for a couple months. The branch manager had okay 'd that I proceeded. This is probably the worst bank ever. Now I am having to find a new bank ... and my rent will be late and I will be charged extra fees. I went with this bank due to the local branch having great customer service. This lady works at the same branch.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX Re : Request for Investigation of Missing or Inaccurate Lien Information To Whom It May Concern, I am writing to request an investigation into my credit report regarding the absence or inaccuracy of lien information that I believe should be included. According to my records, the following lien ( s ) are either not reflected in my credit report or reported inaccurately : 1. Lien Description : Debtor : XXXX XXXX Secured Party : XXXX XXXX XXXX XXXX File Number : XXXX, filed on XX/XX/XXXX Collateral : XXXX XXXX XXXX XXXX  ( Serial Number : XXXX ) ( Collateral released ) XXXX XXXX XXXX XXXX XXXX ( Serial Number : XXXX ) XXXX XXXXXXXX XXXX  ( VIN : XXXX, License Plate : XXXX ) 2. Additional Details : The lien should reflect the partial release of collateral concerning the XXXX XXXX XXXX XXXX XXXX The secured party retains interest in the remaining collateral listed above. The original financing statement, as well as the security agreement, states that this lien is governed under the laws of the State of California and the Uniform Commercial Code ( UCC ). 



Summary of the Promissory Note XXXX. Parties Involved : Borrower : XXXX XXXX XXXX : XXXX XXXX XXXX. XXXX XXXX : Principal Amount : {$10000.00} XXXX XXXX : None ( 0 % ) XXXX. Payment Schedule : First Payment : {$3300.00} due on XX/XX/XXXX Second Payment : {$3300.00} due on XX/XX/XXXX Final Payment : {$3300.00} due on XX/XX/XXXX XXXX. Collateral : XXXX XXXX XXXX XXXX ( Serial Number : XXXX ) XXXX XXXX XXXX XXXX XXXX ( Serial Number : XXXX ) XXXX XXXXXXXX XXXX ( VIN : XXXX, License Plate : XXXX ) 5. Default Provisions : If a payment is missed, the Lender can seize the collateral and accelerate the remaining loan balance. 


6. Credit Reporting : Timely payments will be reported to the major credit bureaus.

7. Governing Law : Governed by the laws of California and the UCC.

8. Entire Agreement : This Promissory Note constitutes the entire agreement between the Borrower and Lender regarding the secured transaction.

The inclusion of accurate lien information is crucial for accurately reflecting my financial obligations and responsibilities. Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that my credit report is complete and accurate. 

I kindly request that you conduct a thorough investigation into this matter. Please confirm receipt of this letter and inform me of the outcome of your investigation. I appreciate your prompt attention to this matter and look forward to your response. 

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

I’m currently am trying to get hired on for a job I applied for (XXXX XXXX). Am currently getting denied for something that is coming up on my background check that doesn’t not involve me a nor do I have any idea about. Please I need help with this ASAP... The charge is resisting arrest, search or transportation, a misdemeanor. Says I was XXXX   and was filed on XX/XX/XXXX. Deposition date is XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

In the early hours of XX/XX/17 I was XXXX while at a bar on vacation in XXXX XXXX, when I woke up the next morning my phone, wallet, watch, and XXXX had been stolen. I called my financial service companies & cancelled all of my cards, BofA gave me difficulties in finding the nature of the transactions that took place as they would not verify me with a social security number but instead required the last 6 digits of my STOLEN card. They froze my account for future transactions but did not alert me to the charges that had been incurred until I went into the branch location on the following Tuesday ( Monday was a bank holiday ). In spite of this, the charges had not yet been posted so we contacted the fraud department at the physical branch and were able to open a claim on the charges. Bank of America then rejected the claim, stating that the information was either verified via SMS ( possible due to the stolen phone ) or by fraud agent ( which would be a massive security failure if true ). I was able to appeal the claim, to which BofA requested a copy of the police report and a statement from my phone provider showing the device was blacklisted as stolen & a new device reconnected to my phone number. I provided both of these things, and in addition provided a FTC, IRS, and FBI report on one of the individuals/accounts involved with the XXXX transactions . In spite of all of this, Bank of America advised they failed to stop the transaction process and since the other bank, XXXX, did not simply give the money back, they were stepping out of the situation entirely. I was advised any further action would require me to have the XXXX subpoena XXXX XXXX  in order to provide any further justification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied credit I checked my report and notice accounts that I believed it was not mine. I emailed & sent a certified letter to XXXX XXXX disputing the validity of three accounts and requested statements. XXXX XXXX ignored my dispute and did not even investigated the dispute, then they could not even verify my address that's when I came to the conclusion these accounts were fraudulent.
Product: Mortgage

My husband and I started the refinance process in XXXX of this year, XXXX. We own a property that has a private mortgage with a balloon payment end of XXXX. We have to refinance or come up with about $ XXXX. The company, US Mortgage Line connected us with XXXX XXXX. 
We received our first list of approval contingencies on XX/XX/XXXX and it asked for the basic items ( signed forms, W2, DL/SS cards, Tax returns, Letter of explanation, Mortgage Statement, bank statements ) .. we provided everything as soon as requested. 
The contact at XXXX XXXX, XXXX XXXX, kept telling us we were good to go, kept giving closing dates, and then the dates would pass. XX/XX/XXXX he suddenly requested documentation or spreadsheets showing 12 months of satisfactory payments. My attorney provided him verification the mortgage is in good standing and has been in good standing. Still, no closing has happened. 
There is no reason for us to get pushed around by this company. We have always responded with the information and documentation requested. We have signed at minimum 5 sets of closing disclosures in preparation for a supposed imminent closing. But still, no closing. The last time I spoke to the company, XXXX 's boss told me I was XXXX for not making payments when XXXX specifically told me to wait since we were closing. 
Our credit scores are in the XXXX, our DTI ( not including all available income ) is 40.67 %, LTV with the recent appraised value is only 68 %. We are in good standing with the private mortgage company and do not deserve this kind of treatment. 
We are in the process of applying at another lender, but felt it was important to report our experience with this company.
Product: Debt collection

To Whom It May Concern please be advised that this is not a refusal to pay, but a notice that your claim is being disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. Prove to me beyond a reasonable doubt that I have a signed contract with Medical Data Systems agreeing to pay this assigned debt. Please prove that you are the original creditor for Account # ( XXXX ) and Account # ( XXXX ). 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I hereby order you and respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time I will also inform you that if your offices have or continue to report invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 
I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 

If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 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. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
Product: Debt collection

XXXX XXXX XXXX has filed a garnishment for a debt that is not in my name. 

This was resolved around XX/XX/XXXX or XX/XX/XXXX. 

They have now Garnished my bank account for a debt that is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent account identity theft XXXX XXXX XXXX XXXX Open XX/XX/XXXX Amount XXXX Original creditor XXXX XXXX XXXX  and XXXX XXXX  XXXX  Unknow person opeond Original account in XXXX account was deleted from all 3 credit reports and founded as fraud Somehow after 2 years the account found its way to collection company after previously being deleted from Original creditor on all 3 reports I provided as much evidence as I could in the pictures I sent as you can see in the photos the original account was deleted and as you can see in the photos the original account number and the current account number are the same as the account that was deleted 2 years ago Could you please stop allowing the original creditor to send this account to collection agencies when the original account has been deleted and I was not found responsible for the fraudulent account
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 : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX  XXXX Account XXXX has violated my rights XXXX Or a 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 card or prepaid card

I have tried 6 attempts over the last three months to get a replacement card, gone through the process, and was told I would have a replacement card in 10 days. I tried again today and still have been unable to talk to a human about my problem, it has all computer generated and I have been unable to talk to a representative of this company. I've had to lock my card and have been unable to use it because I need a replacement card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Avant LLC ran a hard credit inquiry on me on XX/XX/18 and the information provided was not my address. I informed them via phone calls and emails that this was a fraudulent inquiry and attempt to access credit. They said it would be sent to their fraud department. However I have yet to hear back from them in response.
Product: Credit reporting

My name is XXXX XXXX, I 'm writing because in XX/XX/XXXX, a state tax lien was removed from XXXX, Equifax and XXXX Credit Reports. However, two weeks ago it reappeared on my Equifax reports. I never received any notification from Equifax that they were reinserting a State Tax Lien back to my report. I 've attached a copy of my paid state tax lien and a copy of my XXXX credit report showing no Public Records on XX/XX/XXXX. I 'm requesting Equifax remove this state tax lien because they violated the law when they did not notify me in 5 days of reinserting tax lien.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive made several attempts for National Credit Adjusters to validate the debt that their assuming belongs to me. They never send validation that the debt belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm livid about the Equifax data breach and how it has been handled. I have no choice in whether my information is provided to them and they were careless with my, and millions of other people 's, information. I 'm upset that I have to sign up to see whether my data has been breached, and that Equifax wo n't give me a straight answer as to what has been stolen. It 's bad enought that even without the breach I 'm not allowed to see my own information without paying for the privilege, but now I do n't even know if my entire identity has been stolen. I 'm angry that this is n't a bigger deal in the news and that it Equifax is treating it in a slimy, cavalier manner. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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: Debt collection

The Debt Collector XXXX  XXXX, XXXX XXXX XXXX XXXX ( XXXX ) claims to be suing me on behalf of JP Morgan. 

I have told them repeatedly that I dispute the debt, and they respond that it's been " validated. '' I requested very specific information from them, which I believe is my right to receive : A deposition of JPM XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. Im afraid I dont have a last name. 
Id also like the recording of the call I had with her XX/XX/year> at XXXXXXXX XXXX. 
I would like any procedures and policies of both JPM and your firm regarding what should happen when a debt has been disputed. 
Id like a copy of any policies procedures manuals or training XXXX XXXX was subject to at the time of the call The original signed contract of the alleged credit card. 
Original alleged credit card agreement Inception to date accounting of the same account In the event the alleged credit card agreement has changed between inception and today, Id like a copy of every version in between along with when it was sent and what address and person it was sent to. Provide the mark up of what changed between agreements. 

The firm XXXX has refused to provide this on the grounds " As previously stated, if there is any information that you wish to request please do so formally pursuant to the court rules and procedures and not via email. " XXXX XXXX does not provide details on how she would like me to request this information. 

I believe I absolutely have a right to view a signed agreement of an alleged credit card, and an accounting of all payments made on that card inception to date. 

Further, from what I can see the court does not deal with discovery. I do not have a crystal ball, and if XXXX XXXX wants me to do something in particular, she needs to state what it is. 

This secrecy around debt collection is I believe illegal. 

I would not be allowed to tell XXXX that they owe me a XXXXXXXX XXXX and that I had " validated '' it without any proof. They should be required to interact with me. 

Further, XXXX XXXX, despite claiming that " all phones are working '' is hard to contact. You will see in the attached email she takes over a week to get back to me. If you call the phone numbers they go to voicemail. 

As a debt collection firm, XXXX has a duty to provide a point of contact who can promptly respond. 

I would not object to them taking XXXX hours or saying they need time, but I think this is ridiculous
Product: Mortgage

I contracted XXXX for a reverse mortgage which was to close on XX/XX/2019. I contacted my current mortgage company, Ditech, on XX/XX/2019 and requested that they not pay my property tax from my escrow because the title company for the reverse mortgage was going to pay the taxes. The real estate taxes were due XX/XX/2019. I talked with the supervisor of the Ditech tax dept and he assured me that they would not send the property taxes. My reverse mortgage loan closed on XX/XX/2019 as scheduled. I called Ditech on XX/XX/2019 to inquire where the $XXXX escrow was. Ditech informed me they had sent the escrow to my county tax dept on XX/XX/2019. I contacted my county tax dept and was informed that they had received the escrow check in XX/XX/XXXX but had mailed it back to Ditech on XX/XX/2019 because my taxes had already been paid by the title company. I have shared this information with Ditech and they tell me they do not know where the money is and that I will just have to wait till it shows up in their system.I was told by one agent in Ditech's tax dept that it could be 30 - 60 days before this will be cleared up.
Product: Credit reporting or other personal consumer reports

GM..My name is XXXX XXXX and Pentagon Federal gave me a inquiry that I did not approve..and I wish to have it deleted Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a complaint previuosly on LexisNexis and they responded to CFPB that they would remove an Death Declaration on my file and that they would issue a letter to me stating that they had removed the mark on my file? They said vaguely in the, enclosed letter, that they would remove the negative mark in my file and that I could request my file along with the reporting parties that filed a death notice on me.. 
This was 2 weeks ago and no response from LexisNexis!! 
I want my file and the parties responsible for reporting me as deceased immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have applied for employment recently and have once again been denied due to inaccurate information on a background check. The background check indicates that I have been incarcerated for 10 years which is not true, as I have been employed by other jobs and basically have been living life. I have no idea where or how this information has been tied to me as there is not even a date of birth for the person they believe to be me. I have already initiated to have my records expunged, but have yet to hear back from the courts. But this particular charge under my name, is simply not me.