23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX account # XXXX ***********BE ADVISED, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above- named Title and Section. I respectfully request 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 reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ).
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$1600.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

On XX/XX/XXXX I requested cancellation of PMI ( I called several times within the last 2 years to request but was told I was not allowed to request this ). This time I stated by law that I was allowed to request cancellation. I received my denial letter, but I have read the homeowners protection act, and I don't feel that legally they should be allowed to continue to force me to pay PMI. I was first time homebuyer, and I assumed that it would go away once I reached below 80 %. 

My home is valued at {$150000.00} by the county and my principal unpaid balance is {$59000.00}, and I have been below the 80 % for quite some time. I have looked into refinancing my home, but the interest rates have risen, and combined with closing costs, this would cost more than continuing to pay PMI for the life of the loan. 

Everyone I have spoken with regarding this had never heard of PMI for the life of the loan, and I feel this should have been disclosed to me at closing, but was not.
Product: Debt collection

XXXX XXXX XXXX, appeared on my credit on behalf of XXXX XXXX XXXX XXXX, which I do not know who these people are. I tried calling this company, and was confronted with ruddiness from a person at this company. I tried to explain that I am and have not been a owner of a XXXX XXXX XXXX. Then they began threating me and refuse to remove themselves from my credit report. This information appeared on my credit today XX/XX/2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the Past 6 months i have disputed mutiple times a couple accounts with transunion. Transunion continues to send me Stall letters saying that the disputes are not from me when in fact they are from myself personally. it is against the CFPB to not provide proper means of verfication when asked by a consumer. There are many deviations according to the standards et forth by Metro 2 that are not being followed for this reporting of the following accounts. i demand that these accounts be removed immediatly from my credit report as Transunion has had more that ample time to verify but chose to send stall letters out instead. My drivers license and proof of residence has been sumbitted many times to prove it was me. and i am sending this complaint as myself and writing this myself as well. Please handle accordingly and remove the following accounts : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX
Product: Debt collection

In XXXX, I signed up for a trial class of XXXX XXXX- never agreeing to a membership- only a single trial session that a gym trainer asked for. 
I paid {$1.00} for that. 
I never agreed to a membership contract or a monthly membership but they fraudulently used my details to sign me up for a membership without my consent. 
I repeatedly tried to get in touch with them but they never helped and sent my account to collections. 
Aldous associates has been trying to collect my debt but they fraudulently obtained my SSN - even though I didnt get an SSN until XXXX and reported the debt. 
I repeatedly told them that these transactions reported by XXXX XXXX were fraudulent but and asked them to give me proof of any contract I signed physically but they never gave me that and my credit score is tanking now. 
its affecting my life, my financial and mental health, all for an amount of {$150.00}. I even told them I'll pay them off but will never accep tto the debt cuz its not mine and XXXX XXXX fraudulently did that - but they stil didnt help
Product: Student loan

Navient has been the worst company to deal with. I can not seem to make a dent in my student loans. The lowest payment i can afford and offered only covers interest. How will these loans ever get paid off! I have asked in the past for better options, and their advice to me was to go back to school and take out more loans that way it stops payments while going back to school to rack up more debt. Worst advice ever. I am XXXX years old and can not afford to buy a home because of student loan debt. Things need to change. The XXXX XXXX  XXXX  they offered at XXXX  XXXX University does not offer return on investment of this debt. That alone is also a scam to a young adult trying to do the right thing, by getting a college education, expecting to graduate making enough money to survive. In reality I graduated, got offered a job making {$11.00} per hour. I had to go back to waiting tables because I could not afford to live off {$11.00} per hour at the time, and eventually gave up hopes of utilizing my XXXX XXXX that ultimately means nothing to employers.
Product: Mortgage

XXXX XXXX of Caliber Home Loans XXXX XXXX  # XXXX ) rushed me through the refi and closing process and missed key information I shared with him around the intent of sale of a one of the lots within my XXXX property. He never assisted in getting the lot released. The sale ultimately fell through and I am now being forced into the partial release process and required to pay processing fees, appraisal fees, etc. XXXX included the lot in the appraisal making it impossible to sell. XXXX is very unprofessional and to my surprise, not very knowledgeable about the mortgage process. He was asking me personal questions around what I would do with the money if he were to get the propery released for me, including saying things like " I better not buy jet skis with the profits '' I've filed a complaint with Caliber but nothing has been done to date.
Product: Credit reporting or other personal consumer reports

Subject : Dispute Regarding Experian Reporting - Urgent Assistance Requested Dear Consumer Financial Protection Bureau, I hope this message finds you well. I am writing to seek your assistance with a pressing matter related to Experian 's reporting practices and the inaccurate information on my credit report. The situation is causing significant financial distress and requires immediate attention. 

According to XXXX, the relationship manager at XXXX XXXX XXXX XXXX XXXX  ), the account in question was not reported by XXXX and has not been reported since XX/XX/ XXXX Furthermore, she stated that after my husband filed for bankruptcy, XXXX placed the account in an inactive state in compliance with the notification of XXXX XXXX  bankruptcy. The inactive account was not to be reported after XX/XX/XXXX 

Given this information, I am puzzled as to how Experian obtained the account details if no other credit agency such as XXXX or XXXX has reported the same information. Experian claims that they rely on information provided by the creditor, in this case, XXXX. However, the contradictory statements from XXXX and the unavailability of verification from Experian are exacerbating my frustration. 

To address this issue, XXXX is currently preparing a document in writing confirming that they did not report the information currently reflected on my Experian credit report. I am hopeful that this documentation will support my dispute with Experian and rectify the adverse impact this situation has on my financial reputation. 

This oversight is also particularly frustrating as it inaccurately portrays my creditworthiness and has implications for my financial well-being. 

I kindly request your intervention in tracking down the sources of information transmitted to Experian regarding XXXX account and urge you to help me ensure the removal of any data that was not provided by the lender, XXXX XXXX XXXX. Your assistance in expediting this process is greatly appreciated, as the prolonged presence of these inaccuracies is causing significant strain on my financial situation. 

Thank you for your attention to this matter. I am confident that, with your assistance, we can rectify these credit reporting inaccuracies and restore the integrity of my financial profile.
Product: Credit reporting or other personal consumer reports

Federal law states It is a FACT you can not treat 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. I havent received any late notices of the debt, however what i did recieve is massive points lost and my score dropping significantly. You reported late XXXX, XXXX, of this year ( XXXX ) ; XXXX, XXXX, XXXX, and XXXX of last year ( XXXX ) and if I have never received that, then by LAW you can not report any payment as late. Thats a violation of 15 U.S.C 1666 ( b ) Federal law. You ( XXXX XXXX XXXX ) MUST COPMPLY since you ( XXXX XXXX XXXX ) under the SEC on your XXXX report ; More specifically Commission File No. XXXX, in there it states under Regulation of Consumer Lending Activities : The activities of the Bank as XXXX consumer lender are subject to regulation under various federal laws, including, for example, the Truth in Lending Act ( TILA ), the Equal Credit Opportunity Act, the Fair Credit Reporting Act ( FCRA ), the CRA, the Servicemembers Civil Relief Act and the Military Lending Act, as well as under various state laws. TILA, as amended, and together with its implementing rule, Regulation Z, imposes several restrictions on credit card practices impacting rates and fees, requires that a consumers ability to pay be considered before issuing credit or increasing credit limits, and imposes revised disclosures required for open-end credit.. XXXX  XXXX XXXX  also willingly violated 15 U.S. Code 1681b ( 2 ) Permissible purpose of consumer reports. I never gave you written, nonwritten, verbal, and nonverbal consent, to add anything let alone transactions to the report and with each violation and inaccuracy ; thats XXXX $ for each and for the mental and emotional injuries XXXX  XXXX XXXX  has caused ; thats identity theft 12 CFR 1022.3. 15 U.S.C 1682a ( 2 ) ( a ) ( i ) EXCLUSIONS ; federal law says no transactions can be placed on the file ; it is ILLEGAL. 15 U.S. Code 1681o Civil liability for negligence noncompliance, any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of XXXX. Any actual damage sustained by the consumer as a result, failure negligent noncompliance means the law was violated not on purpose but just due to lack of knowledge of the required reporting procedures. 
XXXX XXXX XXXX theres no lack of knowledge for the law via the statement in the XXXX Filing, so there for you XXXX XXXX XXXX fall under 15 U.S. Code 1611 Criminal liability for willful and knowing violation. You have a fiduciary obligation and a professional DUTY to follow the laws of commerce.
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 name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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: Debt collection

XX/XX/XXXX I filed a bankruptcy it was discharged. 
I continue to receive letters from LVNV Funding LLC ( XXXX XXXX XXXX ) Account # XXXX On XX/XX/XXXX I received another letter- I called XXXX and spoke with a XXXX XXXX who informed me that they just received my letter on XX/XX/XXXX. Informing them I filed a bankruptcy, in XXXX. I was told by Mr. XXXX that the letters crossed in the mail. 
I send them a letter years ago after they contacted me the 1st time regarding this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called XXXX XXXX to dispute this matter. Someone fictitiously opened this account in my old married name which I haven't gone by in over 5 years. This account was opened in XXXX of 2021 when i was already married and had a different name. Who ever opened this account also used a address that does not exist. The building has been tourn down for years. I filed a police report on the matter which is attached. This has put a negative marker on my credit and has damaged my credit score tremendously. I have worked hard over the years to get to where I am, and someone is ruining it.
Product: Debt collection

Upon detailed examination of my recent credit report, I identified several accounts that appear to be inaccurate and were included without my awareness.
Product: Student loan

Before XX/XX/XXXX, I found out about the Borrower Defense for my federal student loans. I submitted the application and I'm stuck in the process to get my loans from XXXX forgiven. XXXX is a school I went to in XXXX and graduated in XXXX. A school I attended and was misled about the education, job placement, and whether or not the school was accredited. 3 loans I got were private loans because I was misled by XXXX XXXX financial aid department to sign. 

Well, as I had trouble finding a job after XXXX, I went back to XXXX. I graduated from XXXX and thanks to XXXX being an accredited university my job outlook was better. However, the private loans I got from XXXX did me wrong. They were calling and harassing me while I was in school. I admit, I did not know what I was signing when I was at XXXX, but some of the private loans said I " may '' get the in-school deferment. The private loans from XXXX was coming after me while I was attending XXXX. I fought and wrestled with them, and they even took me to cook which the judge couldn't make a ruling because XXXX private loan people did not show up to court. XXXX private loans were trying to force me to pay even before I graduated from XXXX. I'm sure employers saw this on my record. 

XXXX closed.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX  # XXXX XX/XX/year> -- {$600.00} XXXX XXXX XXXX # XXXX XX/XX/year> -- {$120.00} XXXX XXXX XXXX # XXXX XX/XX/year> -- {$18000.00} XXXX # XXXX XX/XX/year> -- {$530.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This account XXXX XXXX XXXX is reporting inaccurate information on my credit report which is a violation of the FDCPA and also FCRA. Ive sent in validation letters on XX/XX/XXXX in which I receiver no response from them and also have documentation with the tracking number showing it was receive on XX/XX/XXXX. Theyre also reporting inaccurate DATE OF LAST ACTIVITY as XX/XX/XXXX in which it has been ILLEGALLY Re-aged and in violation. I have made no payments towards this account none this year and it should not reflect XX/XX/XXXX. Ive disputed this account twice with Equifax on XX/XX/XXXX & XX/XX/XXXX which it came back as verified but yet on my credit report it doesnt show that the account was even verified which is in violation with the FCRA of which I may collect up to {$1000.00} per violation which I intend on doing so unless settled. This account has shows that the account balance is higher than the actual HIGH BALANCE which is indeed inaccurate information. The debt company can not add any fees towards an account purchased from the original creditor, it may only collect what was originally owed which this is violation
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 U.S.C 1681. 

Account name : XXXXXXXX XXXX XXXX XXXX # XXXX, XXXX, XXXX Account name : XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX # XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX  XXXX Account name : XXXX XXXX XXXX  XXXX # XXXX Account XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX  # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account XXXX XXXX XXXX XXXX # XXXX Account name : XXXXXXXX XXXX XXXXXXXX # XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX - XXXX XXXX  # XXXX Account name : XXXX # XXXX Account name : XXXX # XXXX has XXXXiolated 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 an 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

Due to the XXXX security breach in XXXX XXXX, I have no other option to protect my credit and my identity than to place a credit freeze with XXXX, XXXX, and TransUnion. Theses bureaus charge a fee for the freeze despite the fact that they are profiting off of my personal information and fail to protect it. These agencies should not be allowed to profit from their own failings and inability to protect consumer data.
Product: Debt collection

On XXXX I received a call from XXXX XXXX from Heartland Resolution Group. Says I owe {$48.00}, but they are willing to settle for {$12.00}. Date of incident is XXXX. From XXXX XXXX XXXX. 
On this date I was the victim of a rear end automobile accident. The other drivers insurance- XXXX  XXXX my insurance XXXX XXXX paid all these claims. 
XXXX said the original bill was {$1100.00} & the adjusted payment was {$1100.00}. And I owe the balance. Due to its age, they will settle for {$12.00}. I let him know I'm no responsible for the bill. And the fact there was an adjusted amount, usually between companies, they negotiate the amount owed & payment was made & accepted. A company doesn't negotiate amount owed with insurance them go after the patient for rest, especially when the insurance company is 100 % responsible for all medical bills. 
I asked for a hard copy of bill owed to get nothing. XXXX won't speak to me because I'm represented by counsel. 
I di not plan to give my credit card info over the phone. And the rep said that even due to its age, it's almost going to fall off. I responded, if you are willing to reduce {$48.00} to {$12.00}. How bout you just zero this out. I do not owe & have no plans to pay. I pay bills I'm responsible for & that's it.
Product: Vehicle loan or lease

Case number XXXX On XX/XX/XXXX, XXXXXXXX XXXX Capital One XXXX XXXX [ CEO ] was contacted via email as to why they denied me extension of my own credits. In federal law it states that I can not be denied an extension of my own credit, if I am not denied then thats discrimination because employees are selling original promissory notes and keeping all proceeds, dividends and interest do back to the lender which is me, myself, and I. They turn around and purchase consumer reports which are really considered income from the consumer reporting agencies. Income is defined as specie of money which in turn creates more specie of money. They create ghost decedent accounts to not only XXXX XXXX XXXX XXXX  but also rob them of their labor by way of a default partnership without just compensation. This is unlawful and should be classified ad Racketeer Influenced and Corrupt Organization. Just recently a notice was sent from Capital One dated XX/XX/2024 why the deceased decedent was denied credit when Im alive and living in the name my Father XXXX XXXX XXXX XXXXXXXX XXXX. But then they went as far to say that We denied you but we made an error within upholding our denial! This is corruption at its best. All will be listed as witnesses in this conspiracy.
Product: Debt collection

I paid my insurance deductible, but the company keeps trying to collect.
Product: Debt collection

My Last encounter with XXXX was in XXXX then my cell phone was not in contract but had expired I was ( XXXX XXXX XXXX DBA XXXX XXXX ) and was month to month. I have signed contract with XXXX since XXXX of 2020. Recently, XXXX of 2020 XXXX started to charge {$230.00} Dollars to my checking account I disputed those claims. They or now alleging I owe tthem {$230.00} which is false.
Product: Money transfer, virtual currency, or money service

As of XX/XX/20, PNC bank will has made a change [ to my account ] that prevents you from being able to link accounts. The app Im trying to link online banking to is XXXX. I was asked if Id like to file a complaint and I am.
Product: Mortgage

I got a divorce in XXXX and was with XXXX XXXX after divorce it should have never changed hands with a refinance I never agreed to a different mortgage company I don't even think I was loan any money for the refinance and have never paid XXXX bank a red cent every and they say they've been my bank since XXXX it is a scam and fraudulent the hole way through take a look what's been recorded under my name on my property both addresses XXXXXXXX XXXX XXXX and XXXX XXXX  same place same house but they use both to confuse and conflict as well as my name XXXX XXXX and XXXX XXXX same person as well as if I was married at time of record I was married XX/XX/XXXX divorced XX/XX/XXXX and conveniently my deed is lost now but recorded XXXX after divorce