23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt or credit management

In XXXX, XXXX, I contracted the services of " Level One Law XXXX, '' a credit card and debt settlement attorney. I understood that many of the fees would be up front and I agreed to those terms. At first, the company did what it said it would do. It began to negotiate debt settlement and resolved a few of the smaller past due accounts. Around XXXX of XXXX, " Level One Law XXXX XXXX' was named as a defendant in the major lawsuit against " XXXX XXXX XXXX '' and it's subsidiaries ... .the name Level One Law XXXX can be found on page 31 of the lawsuit. 

Around XXXX of XXXX, Level One Law no longer answered their phones in a timely manner and would not directly answer questions as to why they were no longer negotiating debt. The telephone representatives gave very vague answers like " we have a back log of cases right now '' and " sorry, I don't have access to that information. '' When I requested to speak to a XXXX or someone that had access, I was frequently transferred to a different phone with excessive wait times of over an hour or that call would simply hang up. I made several of these calls as I had an excess of {$10000.00} in my funded account to make settlement payments. I really wanted some offers to be made and some payments to get set up. 

During that time, XX/XX/XXXX until around XXXX, XXXX, Level One Law would not give any straight answers as to why they were not working on any debt settlement on my behalf. I made over 30 calls and sent as many emails to them. I found out later, in XXXX, XXXX that they are not allowed to settle cases on my behalf while the lawsuit against XXXX XXXX is not settled. Level One Law XXXX did not at any time advise me that they could no longer represent me during this period. In fact, they would only admit it on the phone if asked that question directly. As a direct result of this neglect on their part, I have received summons to court on XXXX of the accounts. I also have several unsettled accounts and XXXX that were in settlement process but that were abandoned unexpectedly by Level One Law. 

I feel that the dishonesty displayed by the company is just as bad as the offense of taking large sums of money up front for services. To date, Level One Law has taken {$7600.00} in fees to represent me in debt settlement. They have only successfully settled XXXX creditors with a total settled debt of {$4600.00} with XXXX other accounts still making settlement payments. I have been left hanging with XXXX unsettled accounts and no legal representation and no answers as to when Level One Law will continue to represent me. I have been forced to represent myself to several creditors during this time as Level One Law left me in a precarious standing. Of course, I am very angry and aware of the violations of Level One Law against me and against the law. I have already reported this matter to the Secretary of State 's Office in Colorado and am reporting this matter to your agency as well. Feel free to contact me at any time about this matter. Thank you. 

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

I sent investigation requests in to the credit bureaus back on XX/XX/XXXX. They were supposed to respond within 30 days, but they have not.
Product: Checking or savings account

Navy federal would organize transactions to make my account go into overdraft.. they have done this purposely for many years
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and the author of this complaint. 

There is an Original Complaint with TD Bank/Target, and the ID is XXXX. That complaint was created because of missing data on this tradeline, and inaccurate data. 

This complaint is in regard to the same issues - except this time, I am including one of the CRA 's on this complaint - so I do not become its middle man. Each time I dispute has been lodged - both TD Bank, and the CRA 's point their fingers at each other. 

TD Bank ( Original Creditor ) - I am relying on the rules that govern you, as a Data Furnisher, and acting on your own behalf as the Debt Collector on this account. 
https : //www.ecfr.gov/cgi-bin/text-idx? c=ecfr & SID=89d50ede6e4072bde4d4a944a89bd200 & rgn=div5 & view=text & node=16:1.0.1.6.77 & idno=16 # se16.1.660_13 In this dispute - the CRA, will be XXXX, and for XXXX  - I am wholly relying on FCRA. 

https : //www.ftc.gov/enforcement/statutes/fair-credit-reporting-act I am attaching screen shots of my Credit report and then from XXXX 2 sources, and as noted below. 
My XXXX  XXXX XXXX in this complaint ) - and XXXX ( XXXX  in this complaint ). 
XXXX XXXX XXXX  - 1. The Account Number is NULL, or Blank on the raw credit report, XXXX  from XXXX  2. This Account Name states that this account is CLOSED. 
3. This Tradeline is then also reporting Available Credit and it can not /should not. 
4. As a result, this Tradeline is then reporting, Debt to Credit Ratio, when it can not /should not. 
5. XXXX Reported Balance/XXXX = XXXX Percent you are erroneously calculating/reporting 6. The Pay History - remains incomplete/Rating is incomplete, but it was reporting previously. 
7. The Balance History is nonexistent.

8. Please ensure the Balance History and Pay History is complete and then accurate on this tradeline leaving these values NULL/Blank, makes this inaccurate and incomplete 9. Of whats reporting, the start date for 30 days, are reporting differently in each report ran on the same date, and again From XXXX and then XXXX 10. Only one can be accurate. Please see attached. 
11. The FCRA/DOFD can then not be accurate and based on the two - 30 marks, in Pay History. 
12. Please resolve the Pay History to be accurate, and to reflect the actual DOFD/FCRA Date 13. Then it remains impossible to be 120 days late in one month, and then 120 days late in the next please resolve 14. There is then a Credit Limit on this closed account, that I do not believe can be reported, additionally this is where you are erroneously calculating a Debt to Credit Ratio from. 
15. Because this account is charged off/closed, I do not believe there are applicable TERMS that can be reported 16. Creditor Classification is Unknown and should not be, please assign a valid value. 

While this Tradeline has been disputed previously - it lacks the Disputed tag - please ensure this is accurate.
Product: Credit reporting or other personal consumer reports

Why are you guys showing two different payment histories if info is right.
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. 

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent an initial dispute of inaccurate data being published on my credit report XXXX XXXX. After 30 days, once the investigation was complete, I noticed the erroneous information still remained. I sent a follow up demand to verify or delete on XXXX XXXX. It has now been over 45 days, with no verification that the data is accurate and no reasonable response from the bureau. I sent another correspondence notifying the bureau that they were violating my rights by continuing to publish this incorrect, incomplete data on XXXX XXXX. I also requested again that they delete this information. According to FCRA regulations they have 30 days to investigate. As of today, the bureau has had over 90 days to complete multiple investigations and provide proof that the items are 100 % accurate and complete. They have continuously failed to comply with the law and take appropriate action.
Product: Debt collection

On early XXXX, I received a collection letter through the mail indicated that I owe a balance of {$6500.00} to collection company called PORTFOLIO RECOVERY ASSOCIATES , LLC, it also states the Seller company XXXX XXXX  XXXX XXXX, Original Creditor XXXX XXXX XXXX I have never had any accounts with any of the stated banks or companies whatsoever, this is definitely an identity theft fraud account that have no clue where it came from or who would have done it. I filed a fraud account with both XXXX and XXXX as this account showed only on their credit reports. I also filled a Police Report at my city, and called the merchant XXXX to report fraud account. No updates have received yet up until today 's date.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to Equifax for XXXX second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, as a consumer, living man and one of the People mentioned in the Constitution for the United States of America, am aware of all my reserved rights, protected by the Constitution for the United States of America, all state constitutions, and by Congress under the Fair Credit Reporting Act ( FCRA ). Pursuant to 15 U.S. Code 1681a ( b ), " the term 'person ' means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. Pursuant to FCRA/15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), 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. Pursuant to FCRA/15 U.S. Code 1681s-2 ( a ) ( 1 ) ( B ), A person shall not furnish information relating to a consumer to any consumer reporting agency if -- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. Pursuant to FCRA Section 602 ( a ) /15 USC 1681 states that I have a right to privacy. Pursuant to FCRA Section 604 ( a ) /15 USC 1681b states that a consumer reporting agency can not furnish an account without my written instructions. Pursuant to Fair Debt Collection Practices Act ( FDCPA ) Section 804/15 U.S. Code 1692b, " any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall -- ... ( 2 ) not state that such consumer owes any debt ; and ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. The FDCPA Section 803 ( 6 ) /15 U.S. Code 1692a defined debt collector/person, XXXX XXXX XXXX does not have my written instruction to furnish any alleged debt on my consumer reports, especially one that is hearsay evidence, nor any of my personal information disclosed or my alleged involvement with the alleged debt by another person ( XXXX XXXX XXXX ). XXXX XXXX XXXX must adhere to a consumer 's right to privacy. Account Name : XXXX XXXX XXXX, Account Number : XXXX has violated my rights multiple times and for years now. Pursuant to 28 U.S. Code 1746, I, XXXX XXXX, verify under penalty of perjury under the United States of America that the foregoing is true and correct. Executed this day XX/XX/2022. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information on my reports which are causing financial harm to me and my family. These accounts are never late & I have sent out dispute to each of the three Credit Bureaus in an attempt to receive update of the following items. 

XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Product: Mortgage

I initiated a biweekly payment program with Amerihome Mortgage to pay down interest faster in XXXX of 2020. In doing so this required me to give them access to my bank account. When I received my statements the payments were being deemed 'partial / unapplied ' payments. I called on this in XXXX of 2020, where I was told there was an issue and I was being escalated and a manager would call me back and the issues would be fixed. I was informed on this call that it would take 24-48 hours for a manager to call me and 30 days to fix the issue. After waiting 6 weeks my I received my next statement read the same way 'partial/unapplied payments. ' I called again where I told that Amerihome didn't offer a program where the payments would be applied to pay down the mortgage faster, but a manager would call me back. After no call back I called 5 days later, I was told a different story that it was supposed to be applied, they would fix and a manager would call me back. I finally called and canceled this program, I finally got a call back! It was not a manager it was a customer service rep stating I owed another 1/2 payment prior to XX/XX/XXXX to not fall behind ( again told a manager would call ). On XX/XX/XXXX I made the agreed upon 1/2 payment. At point after having 2 confirmations that my bye weekly payment was canceled Amerihome stole money from account in the amount of a 1/2 payment. I called to complain, the rep said the monies would be returned in 24 hours and a manager would call me back. 3 days later I had another 1/2 payment stolen from my account. I have now called every 2-3 days talking 5 additional people saying I would have my money overnighted back and have within 24 hours and a manager would call back in 24-48 hours. In all, I believe I now have called 11 times, no manager call back, no monies returned to me. This company has no issues in stealing your money and hope you go away. In this time of a panademic, if they are doing to this people without a concern for there well being it is just sad. I could not even speed up their process of getting a call back using the term you, 'stole my money. ' Please help! 
Last 5 people spoken to XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX
Product: Credit card

Capital One Bank and their lawyer XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa filed suit against me in XXXX XXXX, case was dismissed on XXXX/XXXX/XXXX in XXXX XXXX PA Dockt XXXX by XXXX XXXX. Sheriff dept has posted XXXX notices on my door, with XXXX Tape, telling me that I am being served under this same docket again, and when I look up docket, case is scheduled to be heard again in XXXX. My rental property was severly damaged by hurricane XXXX in XXXX XXXX, and I tried to negotiate with creditors including Capital ( 5 year 0 % percent interest payoffs ). They would not cooperate and I could not afford to pay their high interest. XXXX is suing me again and my story is the same again. Give me a 5 year payoff at 0 % and I will make good on this balance. I also recently received a demand letter from what appeared to be a XXXX branch of capital one for the same dollar value and I wrote back explaining the same, is this bank for real? All I want is a reasonable payment to settle this account, if you sue me, I will eventually file bankruptcy.
Product: Credit reporting or other personal consumer reports

I would like to bring to your attention that I have sent multiple letters requesting this information, none of which were answered within the legally specified timeframe. This continued non-compliance is not only frustrating but also a violation of federal law. Your failure to respond appropriately within the specified period has left me with no choice but to seek resolution or remedy through alternative means to which I am legally entitled. This is a formal request under the FCRA, and I anticipate a response within two weeks. Non-compliance with this request within the specified timeframe will be regarded as a violation of federal law, necessitating further action, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal recourse. 
I appreciate your prompt attention to this urgent matter and look forward to receiving a detailed method of verification for the disputed item ( XXXX ) at your earliest convenience. 


Thank you for your cooperation. 

Sincerely,
Product: Consumer Loan

I requested documented proof that a loan from Exeter Financial was mine and I received a letter advising they were able to validate the debt but never sent me proof it was validated. My consumer reports were frozen as of XXXX XXXX, XXXX however I received the letter advising it was validated on XXXX XXXX, XXXX so it was impossible for them to validate. From my understanding it is unlawful to lie like this and have something on my credit reports that they do not have validation for.
Product: Credit reporting 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 rights to policy. 

15 U.S.C 1681 604 A States a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

My payment went past the 15 day grace period and Mr Cooper charged me XXXX. I explained that since we are going through an unprecedented pandemic they should waive it automatically and should never charge a late fee. I spoke with XXXX from Mr Cooper and he said it would be waived as a courtesy and it  never was.
Product: Mortgage

Earlier this year I was making my mortgage payments weekly at $ XXXX totaling {$800.00} a month. My actual monthly payment was only {$700.00} a month. Rushmore refused to apply these payments when they reached {$700.00} and would hold my money in a suspended account, which I believe is in my original contract to hold my payments until the monthly amount is reached. Even though the amount in my suspense account would exceed {$700.00} prior to the grace period they would continue to hold this money until after the date so they could tack on late fees and other charges. When I would call them they would claim that it was a computer error and my account was current or the payment hadn't processed in time. They were sending me monthly notices claiming nonpayment as well and threatening me with foreclosure even though the statement would show that they had received my payment it just was not applied. I also had the bank statements verifying these payment as I paid them directly from my account. I reached the point I was having to threaten getting a lawyer, but they continued this leading to me becoming very irrate. 
I adjusted my payment strategy to only apply one payment directly from my account on the XXXX of each month in the amount of {$710.00}. The harassment stopped until this week. My payment rose from {$700.00} to {$760.00} starting XX/XX/XXXX due to escrow changes and I did not update my automatic payment in time so I sent another payment of {$60.00} on XX/XX/XXXX making my total payment for the month of XXXX {$770.00}. I initially ignored the calls assuming that the payment had not processed yet, however this is XX/XX/XXXX six day since the payment was sent and 2 days before my grace date of the XXXX and I received another call and was hung up on when I answered so I called back and the computer claims I have not made my payment for this month. 
I'm paying more than I owe there is no way I am not making my payments. The company thankfully hasn't tried to make false claims of late payments to the credit bureaus so it has not negatively affect that yet. It has however severely frayed my nerves to the point that I take it out their customer service reps. when I call.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust XXXX XXXX, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to LexisNexis via certified mail requesting that they verify the erroneous entries their company is reporting about me. The tracking from the USPS XXXX shows the letter was delivered on Tuesday, XX/XX/XXXX. It has been more than 30 days as today is XX/XX/XXXX, and I have not received any proof that the company investigated this matter at all. 

Therefore, in accordance with s.1629e ( 8 ) of the debt collection practices act, which clearly states that any information known to be false, can not be reported to any credit bureau , I request that they immediately delete this information from my reports.

Excerpt of the original letter I sent containing the inaccuracies.

" I was recently informed of negative information reported in the file LexisNexis maintains under my Social Security number. Upon ordering a copy of the report, I found the following inaccurate : Eviction ( s ) : 16CC00519 Date : XX/XX/XXXX Dismissed Wrongfully filed and the case was dismissed please remove. 

Phone numbers that are NOT : XXXX XXXX Must be removed Addresses that are NOT : XXXX XXXX XXXX, XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Must be removed Email addresses that are NOT : XXXX XXXX Must be removed Traffic Violations : Case # XXXX Date : XX/XX/XXXX Not traffic related Case # XXXX Date : XX/XX/XXXX Statute of Limitations Case # XXXX Date : XX/XX/XXXX Statute of Limitations Case # XXXX Date : XX/XX/XXXX Statute of Limitations Case # XXXX Date : XX/XX/XXXX Statute of Limitations Case # XXXX Date : XX/XX/XXXX Statute of Limitations Case # XXXX Date : XX/XX/XXXX Statute of Limitations Case # XXXX Date : XX/XX/XXXX Statute of Limitations Case # XXXX Date : XX/XX/XXXX Statute of Limitations Case # XXXX Date : XX/XX/XXXX Statute of Limitations Case # XXXX Date : XX/XX/XXXX Statute of Limitations Must be removed Please validate this information and provide me with copies of any documentation associated with the above mentioned. In the absence of any such documentation, I ask that this information be immediately deleted from the record you maintain under my Social Security number and provide an updated report. ''