23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

According to FCRA, you are mandated to maintain maximum credible, true, and accurate verified valid and certified Metro 2 compliant information believed. Conforming to FDCPA, the debt collectors that furnish you information for purposes of reporting must have physically verified, ascertained valid authoritative accurate debt claim ( s ), including portions thereof said debt reputed.

The pure fact of a debt does NOT assert the REPORT-ABILITY of any suggestion ( s ), indubitable or not. REPORT-ABILITY of a credit event must be executed in an exacting, ethical, and lawful process and standard of accepted reporting activitiesincluding the actual formatted reporting necessary to be Metro 2 compliant.

VALID information NOT COMPLIANT in its reporting process ( es ) and/or of a detrimental reporting format INVALIDATES the COMPLIANT NATURE of the reporting item, even if it does NOT invalidate the debt ostensible, if unquestionable and verifiable. 

As is my consumer right to do so, I hereby, now, and today request that all of my potentially non-positive facts be reviewed for : Truth of claim Adequate completeness of the reported claim Timeliness of the claim Correctness of the claim Physical verifiability of the claim Demonstrated undoubtable validity of the claim, including all aspect ( XXXX ) of the claim stated The inclusion of the claim reporting status as related to the certifiable-ness of compliant process ( es ) and its mandated compliant Metro 2 format compliance is obvious, although mentioned here and now.

Please review the following currently expressed assertion ( s ) of credit activities related to my account and determine which, if any, satisfies each and all standards and requisites of reporting validity, including the : Known certifiable compliant reporting process ( es ) Mandated Metro 2 data field formatted reporting RETURN TO or preserve compliance of valid reporting with your immediate and appropriate : Removal ( s ) Modifications to a valid and compliant reporting status of one and all claims, challenged or not. 
I suspect the following is among the questionably divulged against me and is in need of adequate remedy. Please do so now.
Product: Debt collection

I checked my report and saw this account on in that I have no knowledge of
Product: Credit reporting or other personal consumer reports

Back in XX/XX/XXXX, I used XXXX to purchase an airline ticket and a hotel reservation. I paid both off and was under the impression that everything was in good standing. Then, recently it appeared on my credit report as a delinquent account. From XX/XX/XXXX until now, I have tried to settle this debt. XXXX told me it was paid off, then, I called again, they told me it was with XXXX XXXX. This is an unfair delinquency on my credit report for XXXX, and for the XXXX dollars. I paid the XXXX dollars in full and this is not delinquent. This is paid as agreed. Please change the status of this account. Both of these accounts violate all credit reporting policies and law. I didn't know I had a debt, and I wasn't provided with a way to pay the debt. I have been given the wrong information by XXXX and XXXX XXXX. I'm supposed to be informed about the debt and be given a way to pay it if such debt is valid. I wasn't given neither. I didn't receive anything in the mail or at my address. And through all this, they locked up my XXXX app and made me wait months before I could access it again, so I couldn't even check the App. They said they were verifying that it was me. 
I called XXXX to pay it ; they told me it was with XXXX XXXX. I called XXXX XXXX, and they told me they didn't have it, that it was with XXXX. I called XXXX again, and they said they don't have a way for me to pay this because it's with XXXX XXXX. XXXX XXXX said they had if for XXXX day and it was transferred back to XXXX. XXXX is steadfast that they don't have away for me to pay the debt off, and XXXX XXXX is standing on the fact that I need to pay it through XXXX. This is unfair and unjust months of reporting to my XXXX credit report. I am pleading with you to help me get it off my credit report completely, and I be sent a debt validation letter and away to pay it if this is a valid debt. This is going on too long. I've tried. It's very stressful and it's taking a toll on my XXXX Credit Report. Please delete both accounts off. I have added one of the letters that XXXX XXXX has sent me, and it's been many letters. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus stated that my XXXXXXXX XXXX XXXX  account was properly investigated, but how is that possible if the Account number is inaccurate, the High Balance is inaccurate, the Last verified date is inaccurate, Date Reported is inaccurate, the Date Opened is inaccurate, the Closed Date is inaccurate, the Creditor Type is inaccurate, the Creditor Remarks are inaccurate, the Last Payment Date is inaccurate, the Account Type is inaccurate, the Credit Limit is inaccurate, and the Date of Last activity is not accurate, each of these are a SEPARATE VIOLATION. They also unlawfully reported my payment history in these months and years XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX each of these dates are a SEPARATE VIOLATION. Because of the multiple inaccuracies on my credit profile which have negatively impacted my credit I have been unable to find housing for myself and my child! This is grounds for removal. They also violated my rights under 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.
Product: Mortgage

My father, the primary holder on the account passed away XX/XX/2022. I have been trying to access his mortgage account since that time. I have been making payments on the account but need to speak with someone to understand the loan details. They will not speak to me even after submitting paperwork from my attorney and probate court. I repeatedly call in and they tell me to call back in 72 hours
Product: Debt collection

Lendumo is taking money from my checking account on a loan I did not do This is a fraudulent loan that they have been taking payments out of my account Have been trying to work with the company to refund payments they took from me. Did a police report, an affidavit and copy of bank statement showing I never received the money. They are not refunding my money. It is {$1000.00} that they owe me. I have been trying to resolve this account for 3 months now. They will not resolve this account
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report for accuracy since fraud has been committed against me, I have disputed inaccurate personal information reflecting on all three credit reporting agencies ' reports. In an effort to insure that the correct information is reflecting in my file, I sent letters via certified mail indicating what personal information should be in my file. 

XXXX XXXX Mail XXXX : XXXX Transunion Certified Mail Tracking : XXXX XXXX  Certified Mail Tracking : XXXX My personal information has not been updated upon my request.
Product: Credit card

On XX/XX/2023 I tried to send money from my checking account to my savings account. I accidentally sent the money to the credit card. Meaning I made a payment of {$1000.00} accidentally. I immediately called and told them that it was a mistake and they said they would refund it but it may take up to 90 days. After over a month I went into the bank for an update and realized they had lowered my line of credit by {$1100.00} on XX/XX/XXXX and they said that since returning the {$1000.00} would put me over my credit limit that they would not be refunding my money. I believe that because I called and told them it was a mistake and the fact that they told me they would refund it that I was wronged. They lowered my line of credit the very next day so they would not have to pay me back.
Product: Debt collection

I am actively looking to remove my credit card debt from Wells Fargo. It has been a charge-off since XXXX of XXXX  and in NC the statute of limitations shows 3 years is the cutoff time for situations like these. I do not want this reported on my credit. The amount is {$930.00} Dollars, there has been no communication about this debt for years as wellno options on what can be done about it. I would like to have it taken off as quickly as possible.
Product: Mortgage

We have been working with XXXX on a short sale on this property since XX/XX/XXXX.  Several times we have lost buyers due to counter offers and delays in reviewing our offers. We have had the same buyer on board since XX/XX/XXXX and have been pending review. On XX/XX/XXXX we sent in the latest RMA ( another stall tactic from XXXX to delay reviewing the file by constantly changing the forms that are needed to proceed ). I called on XX/XX/XXXX and was told we were pending the review of the RMA. I sent an updated HUD and purchase agreement on XX/XX/XXXX since the ones we had on file had expires on XX/XX/XXXX due to delays in review. I spoke with XXXX on XX/XX/XXXX and was advised that our file was being DECLINED due to a new buyer. There was no new buyer - the agent referenced XXXX XXXX as the buyer - which was one of the original buyers from back in XX/XX/XXXX. The current buyer has n't changed since XX/XX/XXXX. She said she would escalate this and I would have an update by Monday or Tuesday. She could see that I DID NOT send in the offer from XXXX XXXX and that it appeared that someone from XXXX just randomly re-saved the old documents, which is what created the issue. Called XXXX on XX/XX/XXXX and there is no update. No one has reviewed our escalation from last week, I was told today just to " submit the new offer '' - there IS NO NEW OFFER. This is the same offer since XX/XX/XXXX. I contacted the Ombudsman department who refused to assist. They opened ANOTHER complaint and want me to wait ANOTHER 24-72 business hours for a reply.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
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

We purchased a mobile home in 1998. It was financed through Green Tree. Then it was bought out by Ditech and now financed through Shellpoint. We have never refinanced this home and never been late on our payments. We have this home for sale and ready to close only to find out from the lawyers that Green Tree the company we originally financed with still has a lien on our title therefore we can not sell our home. We have already purchased and moved into another home with the thought we were closing this week until we found out about this lien. Also Green Tree is no longer in business. We contacted Shellpoint and all they will tell us is they have to investigate and it could be mid XXXX before we find out anything. This should be illegal actions. How do other companies buy out mortgages and the company never remove their name from the title??? This has really putting us in a bind as now our buyers may not be able to purchase our home due to errors with the title.
Product: Checking or savings account

XXXX activity in my checking account with Wells Fargo. I reported it to Wells Fargo & XXXX XXXX store which took place on XX/XX/XXXX. The amount is {$270.00}. Both companies are claiming they see no fraud?
Product: Mortgage

I was put on a medical hardship when XXXX hit. My job shutdown and my wife who has been diagnosed with XXXX no cure horrific XXXX was now in the XXXX XXXX  She no longer can XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was forced to become her caregiver XXXX XXXX. We were told that she was accepted at a facility. Get to the destination only to be told instantly she can't stay here. We're not equipped for a patient like her. This happened on XXXX different occasions. I tried are to find somewhere to help me with her so I could get back to work and take care of my responsibilities. In Texas they won't pay a spouse to be the caretaker. Even when no one else would or could.. The mortgage co allowed me to be put on a medical hardship and I reported each month to let them know if anything had changed.. When they put me on the XXXX  month hardship I didn't know they backdated XXXX months of it. I told them that in XXXX she would be XXXX and have been reassured this particular facility would take her long term. She has been there a about XXXX weeks now. Until she was placed I could not do anything more than I had been the situation was worse with her as time passed. Finally placed, I can breath get back to work and do what I did before. The hustle and stress of trying to find help for her was all in vain. It's evident I'm losing my wife, but to my surprise I'm losing everything that is a part of the life I intended to build. The Mortgage Co. wants {$20000.00} before I can resume my payments. I was under the impression those payments is placed on back of the loan. I feel I've been sentenced to death row and hard labor. I don't think they get treated this way and they are there for a reason. I'm so upset that this is devasting outcome when I thought they were on my side. They were not doing anything special, just reading a script.
Product: Debt collection

hello my name is XXXX XXXX I am a XXXX year old male with very limited funds. i thought about pursuing a career in XXXX at XXXX College online school. i only enrolled but i never started the courses or used any materials and their system will show that i have never used their services. the class once finished was supposed to be priced at a cost of {$870.00} for full tuition yet Instead of cancelling my account after noticing i havent started the class or used any materials they send the full tuition debt to collections for {$870.00} which i feel is unfair and unethical practice and I paid an initial cost to enroll but never used anything so why would they pursue payment for a service that wasnt used at all .their system shows proof that i never used it. i am now being contacted multiple times daily by a company called Ability Recovery Services LLC. I could understand if i even started and read the first page of the course but the fact that i only enrolled but never used anything yet they expect full tuition is outrageous. I think any company that is selling a service such as pace by pace course online should never charge a consumer for materials or courses never used at all. i only enrolled.
Product: Money transfer, virtual currency, or money service

3 weeks now to get binance.us customer support to look at my ticket # XXXX went ignored. no response whatsoever. I have {$7500.00} that is being held hostage from this co. I already filed complaints with the XXXX, attorney General, and now, consumer finance. I might have to lawyer real soon if nothing happens. I have never in my life had to wait this long for customer support.
Product: Debt collection

Improper contact after I asked them not to call me, ERC collection agency left threaten messages to my phone and parents house say that I would go to jail if I did n't contact them in 10 days.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  HARD INQUIRY ON XX/XX/year> I DIDNT RECOGNIZE
Product: Credit reporting, credit repair services, or other personal consumer reports

This Account was opened on XX/XX/XXXX - credit report shows XX/XX/XXXX. This account was closed on XX/XX/XXXX by Dept Of Education ... because these loans are from XXXX XXXX. Which was sued by the Dept of Ed.  Also I selected the XXXX campus because the XXXX, pa location that I attended at XXXX XXXX XXXX XXXX, PA. XXXX is not listedon the drop down list. Navient is in violation for continually to report a closed account. Maybe they were not informed by the Dept Of education. Credit Reporting Agencies are in violation for reporting a closed account as open.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX  XXXX. XXXX XXXX XXXX, GA XXXX -or- XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX -or- XXXX XXXX XXXX XXXX   Department XXXX XXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
Accounts : XXXX XXXX XXXX XXXX  OFFLEASE ON 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 Please block this information from my credit report, pursuant to section 605B of  the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : Copy of Credit Report Fair Credit Reporting Act Section 605B [ PDF ]
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX {$760.00} USDOEXXXX   XXXX {$7000.00} XXXX XXXX {$37000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting to remove all accounts which I listed in Identity Theft which does not belong to me. All of them are paid in full and have {$0.00} balance and I have never opened them before. Some one used my personal information. Please remove all of them from credit bureaus because its going to destroy credit history. 
I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.
Product: Debt collection

being under " Forced Action '', threat, and XXXX, I was not given full disclosure of contract. I was not presented with a " True Bill in Commerce or security Agreement. Company was sent a Accord and satisfaction letter with tenderized payment, along with General Release of Liability Agreement and Affidavit of Demand for Verification of Debt. But no response for demanded documentation requested. 

Under Title 12 226.39 ( regulation Z ) part ( a ), a servicer does not have the rights of a holder in due course and therefore, do not have the right to enforce payment. 

" any attempts to collect further payments on my automobile loan will be construed as " XXXX XXXX '' evidence of committing fraud ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account is being reported inaccurately. It is current.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit card was maxed out here in different locations such as XXXX, then an hour later again in XXXX XXXX or XXXX XXXX then an hour later again swiped in another location far away. Each transaction was over {$100.00} or {$200.00}. I called Capital one and they blocked the card after all my money was taken and my card was maxed out. They said an ID was shown at each time of transaction. I told them that its impossible to begin with but even if its possible to go from XXXX to XXXX and put gas in my car for more than {$200.00}, im currently in XXXX on vacation how could I possible be swiping a credit card in north and south of the entire state of California each hour? Capital one gave me my credit back but said i had to take it to XXXX and the other 2 credit bureaus so they can fix it. I contacted them and they said i had to request an application and mail it to XXXX and only then theyll set out an investigation. It was too much work while capital one knew it was a simple fix caused by identity theft. However, all they did was freeze my account and gave me my money back. Please help me get my points up my credit report went down by more than 35 points. Please and Thank you
Product: Credit reporting or other personal consumer reports

My accounts 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 to be removed/updated. 

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.

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

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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