23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/year> I was contacted by XXXX XXXX ( Collections Specialist ) regarding alleged debt. I specifically asked for correspondence via USPS mail and I have yet to receive it however, this alleged debt and act has been placed on my credit file. 
XXXX XXXX was adamant in her communication that they are not debt buyers however they are " contracted to work the files ''. 
My issue is the purchasing of my private and personal information. 

This is my Formal & Final Cease and Desist sent via USPS mail to ACCOUNT ADJUSTMENT BUREAU : ______________________________________ CEASE AND DESIST XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ACCOUNT ADJUSTMENT BUREAU XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, MI XXXX XX/XX/year> RE : FRAUD/AGGRAVATED IDENTITY THEFT ACCT # XXXX ACCOUNT ADJUSTMENT BUREAU is in violation of 18 U.S.C. 894 for using my consumer report with extortionate means to coerce and swindle me into making payment on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you ( ACCOUNT ADJUSTMENT BUREAU ) furnishing this information to my consumer report and or file. I did not give you permission or authorization to have my personal identifying information, which you ( ACCOUNT ADJUSTMENT BUREAU ) have obtained by aggravated identity theft in accordance with 18 U.S.C. 1028A.

I am aware that my Social Security number belongs to the Social Security Administration, and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C. 8 and being that you ( ACCOUNT ADJUSTMENT BUREAU ) are attempting to collect a debt from I, the consumer. This makes you ( ACCOUNT ADJUSTMENT BUREAU ) guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C. 3729-3733. 

This is a notice to immediately CEASE AND DESIST of all illegal activities, including reporting with constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by you ( ACCOUNT ADJUSTMENT BUREAU ) into the Federal Trade Commission for aggravated identity fraud and theft. 

Failure to XXXX out the balance and remove account within 15 days from my consumer report as requested, will result in legal matters being taken and I will report ACCOUNT ADJUSTMENT BUREAU to the Federal Trade Commission for aggravated fraud and identity theft. 

If this matter is not resolved and adhered to by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you ( ACCOUNT ADJUSTMENT BUREAU ) and this letter will be tendered as evidence of failure to comply. 

Sincerely, XXXX XXXX
Product: Mortgage

I am a former customer of Midland Mortgage. My home was sold in XXXX. Midland Mortgage has not refunded the escrow money. I called in XX/XX/2020. I was told that the funds would be sent. The money never came. A letter was sent around XX/XX/2020 stating that the funds would be given to the State of Michigan if I did not claim the funds. I did not receive the letter until XX/XX/2020. I called again to Midland Mortgage who said they needed twenty days to check on the funds. I gave Midland Mortgage 20 days and called again on XX/XX/2020. Midland Mortgage stated that I then had to wait twenty business days. At that point in time they have no clue where the funds are. They told me to call back Monday. I called back again on XX/XX/2020 and XX/XX/2020 and spoke with XXXX XXXX who is a customer service supervisor. He told me that the funds would be overnighted to me. He assured me that he would call me XX/XX/2020 to inform me that the funds were sent. I did not receive a call from XXXX XXXX. I called again on XX/XX/2020 to customer service. They told me that they could not locate XXXX XXXX and then hung up on me. I called again on XX/XX/2020 and informed Midland Mortgage that I had not received a phone call as promised. I spoke today, XX/XX/2020 to XXXX XXXX after following up again. XXXX XXXX informed me that they failed to overnight the check as promised. I still do not have the check at this time and Midland Mortgage has made no attempt at sending me escrow funds that are over {$900.00} dollars. No proof has been provided with regard to the check.
Product: Debt collection

Source receivable is trying to collect an invalid debt they purchased from XXXX. 

This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payments ) is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation, date and balance whether reported or not. 

I also respectfully request to be provided specific proof of the alleged debt. I request to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time or paid in full.It is my understanding that you must verify these items with the reporting creditor for accuracy. If they are unable to provide that proof, or if lacking proof of these payments being late. Please update my credit report and remove immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

The attachment clearly shows that XXXX XXXX XXXX XXXX / XXXX XXXX was correctly reported as Account closed at consumers request however such remark was removed inaccurately and the inaccurate Remark code added on XXXX, XXXX  as Account closed by credit grantor for a sinister purpose. Since it has been obvious that Account closed at consumers request is accurate, it was improper to remove it and replace it by adding FACIALLY FALSE DATA with the remark Account closed by credit grantor. Furnisher and CRA lack the required internal controls to prevent such Facially False Data which is impossible and conflicting. Such conduct constitutes a malicious willful FCRA violation and I demand {$1000.00} statutory damages and Permanent deletion of the account from every CRA file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XX/XX/XXXX I tried to buy a car and was told I had an account in collection/charged off. After reviewing my report I contacted the collection agency and they told me there was an account with XXXX XXXX opened on XX/XX/XXXX that I defaulted on. I did open an account on XX/XX/XXXX with them when I consigned for my daughter 's car but did not sign anything on XX/XX/XXXX. O was actually under the care of a doctor that day and couldn't have possibly been there to agree to another account for a car. After explaining this to the collection rep, they suggested paying it anyway to get it removed. There's no way I am going to pay something not mine so I declined. I was lucky enough to get the dealer to empathize with me and get me into a car anyway however this has been making it difficult to get any financing that isn't accompanied by inflated interest! If disputed it numerous times with all credit bureaus only to have it come back verified so I requested a reinvestigation and included the signage pages from the account I signed and from the one I received from the company after request. It's very obvious it is not my signature yet they continue to report it. I am now to the point of seeking legal advice.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The amount with XXXX XXXX limit Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Debt collection

Rent Recovery Solutions XXXX ( RRS ) reported to my credit reports in the month of XX/XX/XXXX on ( XXXX ) that I have a past due balance of {$260.00} ( Account Number XXXX ). I have not received any form of communication written or verbal from RRS. 

A debt collector must first contact me, they are required to provide me with certain information about the debt theyre trying to collect. 

Secondly, the statute of limitations for debt in Florida is five years. A creditor has five years to sue you for the money you owe. Most debts are based on written agreements and the statute of limitations period for contract actions is five years. 

RRS stated on the credit report that the ( Date Opened ) is XX/XX/XXXX. I have been a Florida resident since XXXX.
Product: Prepaid card

Inaccuracies on last date of payment, report states I have high credit amount which is inaccurate, the premise was to load money on card to receive a credit boost ; credit report states past due marks
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX. is improperly and impermissibly reporting an account to the Equifax, XXXX and XXXX consumer as a " paid repossession '' when this is not the case. Moreover, the account has been reported twice to each of the agencies and has an inaccurate payment history - some with delinquencies reporting as late as XX/XX/2020. Complaints to the creditor and the credit reporting agencies have been ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I was added as an authorized user on a XXXX Credit card account. The bank informed me that report authorized users to all three major credit bureaus, but on my credit reports it is only being reflected by XXXX as of XX/XX/XXXX. So I am contacting you to please send letters to transunion and XXXX  informing them that they are misrepresenting by excluding the XXXX account on there reports and subsequently hurting my overall credit score. I need them to accurately report my scores so that I can secure a line of credit for my business. Thank you in advance for your time, I greatly appreciate it. ( I also wanted to mention that I have proof of all three bureaus in the form of credit reports from annualcreditreport.com but it will only let me upload the one XXXX this website. Please reach out if you would like the others. )
Product: Debt collection

XXXX XXXX XXXX has improperly reported debt to the credit bureaus knowingly that the debt they allege is a result of identity theft. Additionally they have uploaded documents stating this was a debt I owed but after carefully reviewing the documents they uploaded to the CFPB the name had " XXXX. XXXX '' on all the documents they have failed to provide actual documents with my signature and 100 % veritable proof under the FCRA which states the proof has to be 100 % accurate and verifiable to report any information. How is this 100 %??? 


Police report of the allege debt occurrence REPORT NUMBER : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate and unauthorized reporting of my account ( s ) on my credit report. Under multiple federal statutes, including the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 & 6802 ), the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), and the Identity Theft and Fraud Enforcement Act ( 18 U.S.C. 1028A ), you are legally obligated to protect my personal and financial information and ensure that my data is not misused, shared, or reported unlawfully. 
Violations of Federal Laws 1. 15 U.S.C. 6801 & 6802 ( Gramm-Leach-Bliley Act ) o You are required to safeguard my nonpublic personal information ( NPI ) and ensure that it is not shared or misused without my explicit consent.

o Any reporting of my financial information without my consent constitutes a violation of federal privacy standards. 
2. 15 U.S.C. 1681b ( 2 ) ( Fair Credit Reporting Act Permissible Purpose Requirement ) o You must have my direct written consent to access or report my credit information.

o If you obtained or shared my information without this consent, you are in violation of this statute. 
3. 18 U.S.C. 1028A ( Aggravated Identity Theft ) o Reporting or using my personal financial information without legal authorization may be considered identity theft under federal law, punishable by criminal penalties.

4. 15 U.S.C. 1681q ( Obtaining Information Under False Pretenses ) o If my information was accessed, reported, or used without my knowledge or under false pretenses, this is a direct violation and may result in legal liability.

5. 15 U.S.C. 1681n ( Civil Liability for Willful Noncompliance ) o Willfully reporting false, misleading, or inaccurate information subjects you to civil liability, including damages, attorney fees, and punitive damages.

6. 15 U.S.C. 1681c-2 ( Blocking Information Resulting from Identity Theft ) o I demand the immediate blocking and deletion of any fraudulent or inaccurate information on my credit report, as required by law.

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
Product: Mortgage

Tried to work with a point of contact XXXX XXXX. They would not call back to clarify the documents I was sending that they kept emailing they were wrong. I kept calling and emailing for clarification, kept getting the same answer. Spoke with another rep that was available and they confirmed my documents and clarified one that was misunderstood. I received an email from the point of contact that told me I was not to speak to anyone other than her. She then sent an electronic communication that i was denied because i had not submitted the documents timely.. I called and spoke to a " supervisor '' that promised a call back within 2 days, would not provide their name or number for me to contact if needed. Did not receive a call back and a few days received letter indicating we were denied for to our income ( I don't think that was true ). 

Began XXXX XXXXXXXX filing, then decided to try to contact shellpoint mortgage again in XX/XX/XXXX. Eventually found a new point of contact had been added to the online portal. Called and left message for them. We spoke and they had not received the final dismissal of the bankruptcy from the court, but as soon as they did they would call back. I did not hear back. 
About XXXX weeks ago, received a call from their collection team. I explained that I had a long of contact and they looked up and found that I had one and that things were " on hold '' for mortgage assistance review. They took our income and expense info over the phone and said they I did not need to call the point of contact they would be calling me. I was giving it until XX/XX/XXXX. I received a collection call today that said there is now a foreclosure date in XX/XX/XXXX. I explained the last instructions I'd been given by them over the phone, that I hadn't heard from the point of contact. They said that the same point of contact was on there and I should hear from them on XXXX between XXXX EST I'm submitting this complaint, as I have experienced lack of communication to my requests, promises to be contacted with no follow up and miscommunication regarding loan status, documentation needs and was treated badly by the last point of contact when I was trying to provide them with the info accurately and timely.
Product: Debt or credit management

I am writing to formally dispute the debt referenced in your communication, which claims I owe [ amount ] for a student loan ( or other debt ). I believe this debt is either inaccurate or incorrectly attributed to me, and I request that you provide the necessary documentation to verify its validity. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to dispute this debt and request verification. In addition, under 15 U.S.C. 6802, part of the Gramm-Leach-Bliley Act ( GLBA ), financial institutions and debt collectors are required to protect my nonpublic personal information. This law restricts how my personal financial data can be shared or used, and I expect all communication regarding this debt to comply with privacy regulations. 

Please provide the following information to substantiate this debt : XXXX. A detailed statement outlining the original creditors name, loan number, and the balance owed. 
XXXX. A complete breakdown of the debt, including principal, interest, fees, and any other charges. 
XXXX. Proof that I am legally obligated for this debt and that it is rightfully attributed to me. 
XXXX. Any documentation proving that this debt is within the statute of limitations and that it has not been improperly reported or mishandled. 

Additionally, as per 15 U.S.C. 6802, I request that you provide a copy of any privacy notices related to my personal information that you have collected or shared, as well as an explanation of your data-sharing practices. If this debt is associated with any third-party data sharing, I would like to be informed about how my personal data has been used in this process. 

Until I receive the requested verification and documentation, I dispute the debt, and I request that no further collection actions be taken. If this debt is found to be inaccurate or unverifiable, I ask that it be removed from my credit report and that I be notified in writing of its removal. 

Thank you for your attention to this matter. I expect a prompt response in accordance with the legal requirements of the FDCPA and Gramm-Leach-Bliley Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously tried to resolved this fraudulent account with this company I called this company and submit information for my dispute this company had numerous attempts. I will filing a complaint against this company and keeping a record of how this company is responding to my complaint and to show people of how this company treat there customers.Thanks
Product: Credit card or prepaid card

On XX/XX/2019 at XXXX there was an unauthorized transaction of {$400.00} withdrawn from my account. On XX/XX/XXXX I tried multiple times to withdraw the money but was unable do to Insufficient funds. As a result not only the {$400.00} where goned but I was charged multiple times a fee for insufficient funds. On XX/XX/XXXX, I filed a complaint with the company and case ID XXXX was opened. On XX/XX/XXXX, I called customer service and was told to send an email stating what happened and that the card was with me the whole time. On XX/XX/XXXX, I called and was told that my case was closed without any explanation, I was told to write another letter stating what happened and requesting to have the case re-open. I called again on XX/XX/XXXX and was told that my case was closed. No explanation was given to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting and XXXX account XXXX XXXX XXXX has violated my rights.

15 U.S.C. 1681 SECTION 602 A States I have the right to privacy 15 U.S.C. 1681 SECTION 602 A SECTION 2 It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments 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. 


( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

First, you do not seem to comprehend or appreciate the frustration that my issues have not been resolved in a timely manner. Why does it take 6 months and a complaint to CPFB to resolve these issues? I also have some minor issues that need to be resolved but it doesn't seem to be worth the effort given the service I have received so far. 

There seems to be a systemic issue with Ameris bank in that the responses from Customer service do not address my issues. This is true in this response, or when I talk to customer service representatives either on the phone or through email. Ameris bank also presents the image that it is not really interested in responding to issues and only does so when the time period required by Federal Regulations for a response is close to expiring. 

You did not explain why a mistake was made in paying my real estate tax or what steps were implemented to ensure this does not happen in the future. What assurances do I have this will not occur in XXXX, XXXX, and beyond? I will just be in the same situation waiting six months or more and then having to submit a compliant to the CFPB. 
Based on the fact that my escrow account was not managed correctly, I would once again request that my escrow account be closed and any monies be refunded to me. Please do not delay in acting on this. It seems the least Ameris bank can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I contacted Experian to update the contact number on my credit report, under the fair credit reporting act it states that consumer reporting agencies must correct unverifiable and inaccurate information. This was stated on a recorded line at XXXX XXXX  EST with call center supervisor XXXX from XXXX XXXX. I verified myself and provided a report number and she was unwilling to assist.