23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX I submitted a complaint about Portfolio Recovery Associates. In the complaint I stated how Portfolio Recovery Associates failed to provide the validation I asked for numerous times. And again, on XX/XX/XXXX I received XXXX letters that were identical. In the letter they state " We have completed our investigation of your dispute concerning this account, XXXX, XXXX has obtained and reviewed the attached documents related to this account, which established its validity. 
I disagree for the simple fact that Validation of the debt can either be a signed judgment order or an accounting which is signed and dated by the person responsible for maintaining the account general ledger. 
See 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
As I stated in previous complaint, a copy of consumer credit statement is NOT sufficient evidence to validate the debt, yet Portfolio Recovery Associates ignores this and continues to violate my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is my 2nd complaint that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX Open Date XXXX XXXX, 2017 Balance : {$7900.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I purchased {$400.00} of XXXX ( XXXX ) using the Venmo app. I accidentally purchased on there thinking it was XXXX. A few days later when I realized the error I tried to sell it to convert to cash. When I am prompted on a screen to enter my SSN # then hit " done '', I receive a blank screen and nothing else. 

I uninstalled and reinstalled app, tried using on someone else 's phone but to no avail. I reported the issue on XX/XX/XXXX and on XX/XX/XXXX I rec 'd an email suggesting I perform a bunch of steps to see if it helped. I tried and again, nothing. When I wrote back I provided screen shots, details of every action step taken etc. I was finally told there may be a bug. I have written three times since and have NOT REC 'D A REPLY. Today, ( XX/XX/XXXX ) I called and was told it's a known issue w/no ETA on a fix. 

I explained I have since lost {$70.00} since the time I tried to sell and today. They told me there is nothing they can do, period. This is INEXCUSABLE they've known about this issue for months ( I was told ) and don't have a solution!
Product: Credit reporting or other personal consumer reports

My complaint is in regard to the credit reporting agency Experian. 
I am a victim of identity theft and fraud and recently a phone of mine was compromised and someone hacked in to my Experian account. 
I have called Experian several times on XX/XX/XXXX but it is impossible to get past the automated system in order to speak to a live agent or human being. 
I sent two emails to them asking for assistance in trying to recover my account and verify my identity but have not gotten any response back. 
Upon learning of my account compromise I used their automated system to place fraud alert on my accounts with all the credit agencies and froze my credit. 
And this past week my family and are moving to a new rental after selling our home and I needed to unfreeze my Experian account and also the other reporting agencies. 
I can easily speak to a human when it comes to XXXX and XXXX but upon researching about Experian there are many others like myself having the same issue of not being able to speak to anyone. I don't see why there needs to be three reporting agencies especially when this one is not doing their job And they mostly all provide the same information. 
The email associated with this report is not the same email that I used with the experian account when I registered.
Product: Credit reporting, credit repair services, or other personal consumer reports

The name of the bank is suppose to be XXXX XXXX XXXX XXXX instead on my equifax credit report it lists at XXXX XXXX XXXX. There is no contact information for this creditor on my equifax credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Despite previous requests, items still remain on my credit report in violation of Federal Law. I filed a police report and FTC Report ( enclosed ). You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( XXXX ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 

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

ar [ Credit Reporting Agency/Creditor Name ], I am writing to formally dispute the reporting of the charge-off account associated XXXX XXXX XXXX  on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( Reinvestigation of Disputed Information ) and 15 U.S.C. 1681s-2 ( Responsibilities of Furnishers of Information ), I am entitled to request and receive complete and accurate documentation to verify the accuracy and legality of this accounts reporting. 
Additionally, under [ XXXX  ] law, I am requesting proper validation of this debt. 
To properly validate this account, I am requesting the following : 1. Authenticated Double-Entry Accounting Records : I am requesting full double-entry accounting records for the account mentioned. This should include a detailed breakdown that shows how all transactions were debited and credited, ensuring compliance with standard accounting principles. Please note that I do not wish to receive a simple list of charges or statements. I expect authenticated evidence of the debt.

2. Authenticated Evidence Based on [ XXXX  ] Law : In addition to the accounting records, I require authenticated evidence, in compliance with [ Your State ] debt collection laws, that you have the legal right to report and collect this debt. This includes original signed contracts or agreements that show my obligation to pay the debt and your legal right to enforce collection and report it to credit bureaus.

Without this evidence, the continued reporting of this debt may constitute a violation of both federal and state consumer protection laws.

3. 1099-C Form : If this debt has been forgiven, canceled, or settled for less than the full balance, I am requesting a copy of the 1099-C form filed with the IRS, which is required if the amount of canceled debt exceeds {$600.00}. If you have not provided this documentation, the debt may be considered discharged, and it should no longer be reported as owed on my credit report. 
In the absence of the requested documentation and verifiable evidence, I request that you immediately delete this account from my credit report in compliance with the FCRA and [ Your State ] state law. Failure to do so will result in further action, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), pursuing legal remedies to enforce my rights, and submitting a Suspicious Activity Report ( SAR ) to the IRS for suspicion of fraud.

The SAR ( FinCEN Form 111 ) will be filed if you continue reporting inaccurate and unverified information without providing the required documentation. 
Please respond within 30 days of receipt of this letter. I look forward to receiving the required
Product: Mortgage

Planet Home Lending is currently servicing my loan they got a transfer from XXXX XXXX. During the transfer I was in the final stages of a modification with XXXX XXXX. When XXXX transferred my loan, I was behind on my mortgage and the modification would put my past due payments to the back of the loan. There was some confusion about how much I was behind because I had paid Planet Home Lending my monthly payments before the loan was officially transferred over. XXXX XXXX said they transferred my loan XX/XX/XXXX and I began making payments to Planet home Lending XX/XX/XXXX. Planet Lending did not accurately access how much my loan was in the back because XXXX had told them 5 months but it was only supposed to be three. I am attaching XXXX XXXX response to a complaint filed here with the explanation of what they transferred to Planet home lending. I had escrow overage, {$2200.00} in a suspense account. Neither Planet Home Lending nor XXXX XXXX credited my account for the suspense amount which was in excess of XXXX mortgage payment. This was the first RESPA and CFPB violation. Second Planet Home Lending refused to honor the modification agreement with myself and XXXX, instead of picking up from the final stages they made me start over the process and calculated the incorrect amount in the process. This is another violation of RESPA and CFPB 's XX/XX/XXXX regulation which states that a mortgage servicer is supposed to honor the prior servicer 's modification, which Planet Home Lending failed. Third, Planet Home represented to me that I was not able to get credit from them for my escrow overage I had to get that from XXXX XXXX this was not true and I had to consistently call them for them to credit me some of my escrow overage. I have filed a complaint on Planet Home and XXXX XXXX and XXXX responded and I received additional information to substantiate my claim against Planet Home Lending which is why I am filing this second one. I am attaching all proof and information hereto. Planet Home Lending is being deceptive and not following guidelines and causing stress and hardship on homeowners and this must stop. Planet Home Lending instead of trying to fix the problem they continue to hound me for extra money. They have not given me the proper credits for my escrow and suspense accounts yet they want me to pay them more money. I do not trust them and I want them to do a full accounting to make sure they are not further taking more of my money wrongfully. I tried to pay my payment for XX/XX/XXXX while Planet Home investigates the accounting. They have refused and this refusal is going to cause me extra more problems in the future. If Planet Home Lending thinks its accounting is correct they should happily do this so that they could show they are not trying to hide anything. They have threatened to foreclose. I had an agreement with them to pay what they were claiming I owed and they still sent me a default letter which they claim has begun my 30 day notice of foreclosure. This company needs investigation into their deceptive practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One did not provide adequate notice to me. For that reason, I made an uninformed decision. There was no evidence of indebtedness, the only evidence of a debt would be an agreement. Due to my uninformed decision, that agreement is null and void. XXXX and XXXX should not be reporting this account as a charge off, nor any late fees. XXXX knows better and is not.
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted 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 is the inquiry that is still reporting on my account : XXXX-Date of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I sent a dispute letter to the agency, it contained my personal information, as well as copies of my Travel ID and utility bill as confirmation of my identity ( this is sufficient by law ), the agency refused to accept this letter, they sent me a response in which they indicate the fact that they do not understand the nature of my appeal, can not accept it because they are sure that I did not write this letter and ask to send more documents confirming my identity. That is, otherwise this answer is perceived as the agencys unwillingness to fulfill its duties.
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, Account name : # XXXX, Account name : # 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 informationisinaccurate.

Please remove these Inquiries from my credit report. 
These inquiriesarelisted : 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

**FORMAL DISPUTE - DEMAND FOR REMOVAL OF INACCURATE INFORMATION** Social Security Number : XXXX To Whom It May Concern, This letter serves as a formal demand for the immediate removal of inaccurate, unverifiable, and unauthorized information from my credit report, in strict compliance with federal laws! Under the Fair Credit Reporting Act ( FCRA ) and other pertinent legislation, I have the indisputable right to maintain an accurate credit report and to dispute any entries that lack legitimacy or proper verification XXXX XXXXXXXX - FDCPA Section 807 Violation Misleading - Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. 
Balance - XXXX Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, 1 was not.

As the original creditor, only I can validate this debt. I do not validate this debt. 
Incorrect Name - Shernet Shernet This personal information is incorrect AND HAS TO BE DELETED FROM MY CREDIT REPORT. 
# # # Legal Basis for Dispute and Unyielding Demands : **1. FCRA Section 605B, 15 U.S.C. 1681c-2 - Block of Information Resulting from Identity Theft** In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ), I am formally demanding the immediate blocking of the aforementioned account as it is a direct result of identity theft.

Enclosed
Product: Debt collection

I pulled my credit report from XXXX and noticed an account I did n't recognize. I mailed a letter ( attached ) to Enhanced Recovery regarding this collection for " XXXX. '' It has been over 30 days since I mailed the letter and have had no response. And now XXXX is reporting this account on my credit report.
Product: Debt collection

Over the past 5 years I have been making small, {$50.00} payments to XXXX for a charged off credit card account. On XXXX/XXXX/XXXX I contacted XXXX in an attempt to settle my outstanding debt. They informed me that they had sold the debt to XXXX XXXX XXXX XXXX ( PRA ) On XXXX I contacted PRA and was told that they had obtained a judgement against me. I asked if we could settle this debt, and we agreed that it would be settled for {$1900.00} as soon as I received a letter confirming that the Judgement would be recorded as satisfied after my payment was received. As of today XXXXXXXX, I was told on three different  occasions that the settlement letter was in the mail, and once that it would be emailed to me. Today I was told that there was no settlement letter on file, and that they had no intention of providing one. I 'm at a loss as to what I should do. After the lies, and refusal to send written confirmation of the settlement agreement, what are my options? Do I need to hire a lawyer to have this resolved? Please help.
Product: Mortgage

Someone I do not know hacked my computer and made fraudulent charges on my account that was made on XX/XX/2019.
Product: Credit reporting or other personal consumer reports

My credit hasnt been showing since XXXX despite its been showing on XXXX  and transunion. Please look into this so u can be aware of whats is really my credit score
Product: Payday loan, title loan, personal loan, or advance loan

Took out a loan with river valley loans and it's interest rates are XXXX % which at the time i didn't realize that that interest amount is illegal in my state or XXXX I absolutely can not afford the payments on this loan. Again it is also illegal in my state
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report and millions of others were hacked via Equifax in XXXX 2017 putting me and many others at risk.
Product: Debt collection

I have a negative account from this company XXXX XXXX XXXX for {$1100.00} it says the original creditor is 'XXXX XXXX XXXX XXXX ' on my XXXX and XXXX credit reports i do n't know where this is from whenever ive tried to contact the company to get verification of this debt i get no response ive tried disputing it to get verification of this debt in writing but still they refuse to comply i want this account removed off my credit reports as they can not verify this debt with me and never notified me about it i dont even know what this negative account is
Product: Mortgage

I send it to the financial institution that has the mortgage of my house and I send that paper the financial institution told me that my modfica- tion was rejected when the company that was already discussed above told me that my model was already approved so I am writing to you to please help me solve this case.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every month Since XX/XX/2021 I have disputed inaccurate public record information and equifax either ignored my disputes, lied regarding the validity and also admitted their investigation was fraudulent. By federally law an investigation of any alleged accounts must be a personal investigation, neighbors, family friends, Congress never said you can buy bundled data electronically and that makes it accurate. Equifax never investigated the data they placed on my personal report thats completely harmed and hindered my XXXX XXXX XXXX XXXX XXXX XXXX XXXX. So, I did their job for them. I investigated and attached is proof that equifax has violated me for years and Congress states I am owed damages.
Product: Credit reporting or other personal consumer reports

Information regarding account history and balance were reported inaccurately causing me to pay more for things with it negatively affecting my scores. The dated that the company said that the reported amount of {$500.00} was requested to be deleted XX/XX/year> XXXX
Product: Mortgage

In XX/XX/2021 I completed Loan Modification documents and returned them to Flagstar Bank. I was told that I was approved and the payment amount was changed from {$5200.00} to {$5800.00} to reflect the loan modification.I have been making a monthly payments since XX/XX/2021. I still do not have a final loan modification. 

I have spoken with numerous Flagstar representatives, who all assured me after they " researched '' my account, that the modification had been approved but the paperwork just hadn't been completed and sent back to me. They explained that they were backlogged due to the volume of modifications they were processing. Due to the delay in completing the loan modification I was unable to refinance the loan at a lower rate. 

Today, my XXXX mortgage payment was rejected by Flagstar and the statement : Loss Mitigation Program Status - The mortgage is currently on an active HFI Modification option, no longer appears! It looks as though they have just put us into the foreclosure process and taken us out of the modification process, with no comment to us at all. 

I'm writing and mailing a registered letter to Flagstar today, demanding that they complete the Loan Modification. Additionally, they have failed to pay a supplemental property tax bill that their representatives agreed was their obligation. I have provided this by fax numerous times. 

Unfortunately, I did not keep a copy of the Loan Modification documents I signed, I sent both copies back to Flagstar, so I can't include them here.