23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I'm sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ) and I am again requesting validation of the debt associated with account number ending in XXXX. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. To refresh your memory on what constitutes legal debt validation, I am provinding you a list of the required documentation. 

Complete payment history, the requirement of which has been established via XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX. XXXX XXXX XXXX. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the original creditor. Letter of sale or assignment from the original creditor to your company. Agreement with your client that grants you the authority to collect on this alleged debt. XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX., XXXX XXXX, XXXX ) - information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how amount sought was calculated, where in issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt. Intimate knowledge of the creation of the debt by you, the collection agency. 

As I am sure you are well aware, under FDCPA Section 809 ( b ), you are not allowed to purse collection activity until the debt is validated. You should be made aware the XXXX XXXX, Plaintiff, v. XXXX XXXX, NO. XXXX XXXX UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, XXXX, the court ruled that reporting a collection account indeed is considered collection activity. 


While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FDCPA, as this will be one of many attempts in the past few years to amicably resolve this continuted greavance towards me by Sequoia XXXX XXXX I look forward to a speedy resolution of this matter
Product: Credit reporting or other personal consumer reports

The Consumer Financial Protection Bureau ( CFPB ) has repeatedly documented Equifaxs failures in properly investigating consumer disputes, even leading to legal action for violating the Fair Credit Reporting Act ( FCRA ). This ongoing non-compliance is unacceptable, and I refuse to let my credit profile suffer due to Equifaxs negligence.

Federal law ( 15 U.S.C. 1681i ) is clearEquifax is legally required to conduct a proper reinvestigation of any disputed information within 30 days. Any data that can not be verified with 100 % accuracy must be removed from my report immediately. I demand that these errors be addressed without delay, as their presence is actively harming my financial standing. I will not ignore any further non-compliance. 

Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Someone from a XXXX area using the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ok XXXX, has tried multiple times to open several credit cards in my name. I do not know this person and i did not authorize these inquires. This is all the info i could get on the inquires. 

XX/XX/XXXX XXXX feb/destiny- @ XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX ) XXXX XX/XX/XXXX XXXXXX/XX/XXXXXXXX XXXX, il XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXX XXXX XXXX, XXXXXX/XX/XXXXXX/XX/year> XXXX XX/XX/year>XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXXXX/XX/XXXX XX/XX/XXXXSD XXXXXX/XX/XXXXXX/XX/year> - XXXX XXXX XXXX XXXX OH, XXXX XX/XX/year> XXXX XXXX XXXX @ XXXX XX/XX/XXXXDE, XXXX XX/XX/year> cXX/XX/XXXXXXXX XXXX, XXXX UT XXXX XX/XX/year> XX/XX/XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX, XXXX ky XXXX XXXX XXXX ( finance ) - XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, il XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am tired of being threatened by these dishonest, and deceitful collection companies. They keep calling me and sending mail stating they have sold my accounts. I do not have an account with these companies. Please help! They have the wrong XXXX XXXX XXXX. Please help me. I am a Veteran, and XXXX XXXX XXXX XXXX. They have caused me to be disqualified with my V. A. Loan that I rightly deserve, please help.
Product: Mortgage

PHH ( formerly Ocwen ) has systemically and deliberately violated the California Homeowners Bill of Rights consistently during my loan modification process I am a owner occupied home owner - my family ( including my XXXX child ) live in our home thus the loss of my home via PHH 's illegal foreclosure would cause myself and my family irreparable harm and certain XXXX. PHH has maintained an active foreclosure date during the loan modification application process which is in direct violation of the Homeowners Bill of Rights - I have had a Trustee 's sale date hanging over my head which is bad faith business dealings and has cause emotional duress to me and my family. PHH has failed to credit payments and wrongfully charged me add-on products without my consent - insurance and escrow account - which has added to my loan balance. I have not be provided with an written itemization of said unauthorized charges after repeated requests. I notified PHH in writing ( within 5 days ) that the trial period plan payment was too high - based on my income documentation which I submitted to PHH via the loan modification application ; trial period plan payment exceeded my monthly income. PHH has not responded and the foreclosure date is still set for XX/XX/2020. I want to keep my home and will not lose it. I would prefer to work out an affordable loan modification payment as this is exactly what the intent of the Homeowners Bill of Rights was designed for. However, if this is not possible, I will bring legal action against PHH to protect my home and my family..
Product: Credit reporting or other personal consumer reports

I disputed the inaccurate information on my consumer report on XX/XX/year> and the investigation was completed on XX/XX/year>. I called Equifax fraud department and spoke with a rep. The rep told me that the information was accurate and will not be removed or updated. I asked what steps were taken to verify the accuracy of the incorrect information. The rep stated that the creditor is responsible for reporting the information and that the information was verified accurately by the creditor. It is not possible for the creditor to verify any inaccurate information and also the information could have not been verified in XXXX hours. I informed the rep that Equifax is willingly and knowingly violating my consumer rights and the Federal law by reporting inaccurate and incomplete information on my consumer report. I know that the information was not verified by anyone and Equifax failed to update my consumer report with accurate and complete information. I demand that my consumer report be updated with complete and accurate information. The inaccurate information is hard inquiries that I have no knowledge of or did not authorize. The inquiries that I demand to be removed immediately are as follows : XXXX. XXXX national bank/Tmn ( inquiry ) XXXX XXXX  XXXX  ( inquiry ) XXXX XXXX XXXX XXXX  ( inquiry XXXX XXXX XXXX XXXX XXXX ( inquiry ) XXXX. XXXX XXXX XXXX ( inquiry ) XXXX. XXXX XXXX XXXX XXXX ( inquiry ) I did not authorize these companies to request a copy of my consumer report nor did I authorize anyone else to use my personal information to obtain credit. Therefore this information is inaccurate and incomplete and must be removed immediately from my consumer report. All consumer reporting agencies must report XXXX  % accurate and complete information at all times. I demand the deletion.
Product: Mortgage

Under the Home Affordable Modification Program HAMP- letter from CHASE Dated : XXXX XXXX.2017-about eligible for " incentive credit to principal with timely payments -This was never applied nor known to me- under program for Treasury incentives " for every year credit to be applied - up to {$1000.00} per/yr and a one time $ XXXX-this has not happened at all.
Product: Mortgage

My XXXX and XXXX of 2016 have been paid out of my bank but they are not being applied to my mortgage. I have contacted the mortgage company on multiple occasions and by multiple medias and the problem is still not resolved. I am getting late payment notices from them even though they are aware of the issue.
Product: Debt collection

I am a XXXX XXXX XXXX woman suffering from XXXX XXXX MCM called me to collect a {$150.00} debt owed by my daughter-in-law. I immediately told MCM that she has never lived with me. However, that did not stop the vicious calls. I became terrorized and so intensely upset that I suffered a XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XXXXXX/XX/2021
Product: Bank account or service

I recently was asked by a friend who is a banker, and, had just started a new job at U.S. Bank, if I would be willing to change my business banking to her bank. So we met and I thought I had agreed to open a business checking account and credit/debit card account. Over the next six weeks, I received multiple mailings from U.S. Bank with multiple new accounts. So far, I have counted XXXX different account numbers with variable balances. For most of these, I have no monthly statements. Needless to say, I have not activated the credit cards, except for the first credit and debit cards which I had requested. I spoke at length with them yesterday but was unable the resolve the issue.
Product: Mortgage

I 'm filing a complaint because of the lack of help and correspondences from Wells Fargo with regards to the home of my aunt and last living relative the now deceased XXXX XXXX XXXX in an effort to modify and assume her loan. As the assigned personal representative of the Estate XXXX XXXX XXXX XXXX, I have sent the requested documents and they keep saying that they never received it and then request the same documents over and over again stating that they never received them. I leave messages and they are not returned.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX we purchased a golf cart from our neighbor she asked if we would just do it PayPal which we agreed the purchase price was {$1000.00}. We entered our email address like she had given us and sent her the money but she never received it granted on the bank statements which I have included it shows her name. And she proved to us it did not hit her account. We contacted her bank immediately and they told us to contact PayPal which we did they explained to us that they could not do a reversal and told us to wait till Friday which we did do. On XX/XX/XXXX when we called in to PayPal they explain their system was down and we needed to wait till Monday since the XXXX to call back. We did call back on Monday the XXXX at that time they explained to us there was nothing more they could do but send email to see if the fraud person would refund us our money. After a 4-Hour conversation with them and reading through their bylaws they were able to do a reversal on the ACH they just chose not to I've also included that paperwork as well.
Product: Credit reporting or other personal consumer reports

My mortgage company XXXX XXXX is reporting on my credit report that I was late on my mortgage XXXX through XXXX of 2023 which is incorrect because I was in a loan modification.
Product: Credit reporting

there is a XXXX account that is showing on my credit along with he address of XXXX XXXX XXXX XXXX, ct XXXX, As well as a XXXX CT Gas bill with a balance of {$800.00} thats reporting late that are not all mine. This item has been disputed with experian several times. asking for proof into this matter and this account being mine. Also for the account to be deleted and they refuse to delete as well as provide any proof on these accounts that they are reporting on my credit. these accounts are damaging my credit & I 'm currently wanting to purchase a home.
Product: Money transfer, virtual currency, or money service

Funds were supposedly transferred into my account by a XXXX purchaser of my XXXX knife set. I also had an {$800.00} balance with Venmo from a transaction a year ago that I did not know I had received. I requested the funds transfer to my bank a week ago. 
All I've received is XXXX XXXX  excuse after another as to why the transfer can not be made. 
I'm beginning to suspect a fraudulent scam.
Product: Vehicle loan or lease

In XXXX of XXXX I purchased a XXXX XXXX XXXX from US Auto Sales located in XXXX, SC. I was reported late only once when I was put on leave from work due to a difficult XXXX. In XXXX of XXXX I was notified via email that I would now need to start making my payments through Westlake Portfolio. Prior to the due date of my first payment I contacted US Auto Sales regarding my warranty and the process to start a claim due to an ongoing service issue with my vehicle but was redirected via IVR to Westlake. I spoke w/ a rep who informed me ( in so many words ) that my warranty was void, they were not responsible for it and I would not be able to have my car serviced under my warranty but that my payment amount would remain the same. I received my first correspondence via mail from Westlake 3 weeks ago threatening repossession and after speaking with an attorney I paid Westlake {$270.00}. Another payment was submitted to them on XX/XX/XXXX, in the same amount, and on XX/XX/XXXX I woke up to find that my car had been repossessed. I contacted Westlake who could provide NO information as to what company had taken my vehicle or where it was and stated that I would have to pay off the car in full before it would be returned. They stated they had no record of my previous payments. I'm a XXXX  mom of a XXXX XXXX old and worked extremely hard to purchase that vehicle only for it to all be a waste.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX from XXXX XXXX XXXX ; XXXX account number XXXX ; XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXXXXXX  XXXX ; XXXX XXXX XXXX Account number XXXX ; XXXX XXXX account number 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file 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 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: Credit card

I received a letter in the mail today ( XX/XX/XXXX ) stating that all of my credit card accounts are going to be closed on XX/XX/XXXX. The letter is very vague stating my accounts are being closed because of my association with a Chase credit card, deposit or investment account that was previously closed. I have not closed any accounts. The letter provides a number to call for questions. I called the number and spoke to a supervisor XXXX, he was unable to determine why I would receive such a letter. He could see that no accounts were closed and all my accounts are in good standing. I have never missed a payment. I use my credit cards daily for normal purchases and typically pay them off at the end of the month. I feel this was a mistake or I was incorrectly targeted by an AI program. I would like to request that this issue be corrected and have my accounts remain open. 

I also called the XXXXXXXX XXXX  branch Chase location. I spoke to a representative there, but they were also unable to determine why I received a letter stating all of my credit cards were going to be closed.
Product: Mortgage

I closed on the loan XX/XX/2020 Service account tried to steal XXXX XXXX XXXX XXXX They. Pulled my. Mortgage three times in one month They withold my payments XXXX XXXX defamed me now I've been threatened by XXXX XXXX Turned in caliber home loans to Attorney General XXXX XXXX and US Senator XXXX Chief of staff Been banned and threatened by Caliber home loans
Product: Checking or savings account

Back in XXXX of XXXX, I checked my Business Account ( XXXX ) because I've noticed an obscene amount of money missing and noticed there has been many unauthorized charges/transactions that range from XX/XX/XXXX to XX/XX/XXXX totaling approximately {$11000.00} that have been made through my account that I did NOT authorize nor make. I immediately went to my local branch of Bank of America located at : XXXX XXXX XXXX XXXX, XXXX, TX XXXX and spoke with a personal banker to get some help on resolving this issue, and felt they would be more of help if I went in face to face. So, after we went through my account together, I was presented with a printout of all the charges and they even helped me with the dispute process on site. So, after about 11 days from my dispute, I received 2 denial letters in the mail stating they were unable to approve my recent claim ( XXXX ) due to : " The charge was made by you or by someone who has permission to use the card or account. '' And as I explained to the fraud department when I called, I have never heard of the person that some of the XXXX transactions were made to, nor do I have any said transactions in my XXXX account that could confirm that I sent the person ANYTHING, not to mention all the charges from a subscription service, multiple large transactions that happened at XXXX XXXX as well as many others, and I was told there was nothing they can/will do. So, my next step was to my local police department to file a report ( XX/XX/XXXX ) where I had to list all the charges that I tried to dispute with the bank, I even did a little investigating on my own and found that the person/young lady who my money went to and whom I believe hacked my account somehow and stole my heard earned business money and presented all that to the police department as well. And right after that I went back to the same local bank branch to re-open the claim for further investigation and still to the date of XX/XX/XXXX I have not received any further correspondence from them. I've had my business account for almost 40 years with Bank of America and don't understand how they can just allow their consumers to be taken advantage of and not try to do a thorough investigation to recover what was stolen. I am an XXXX, XXXX citizen on a fixed income, and for my money to have been taken from me and I get absolutely no help from the financial institution that I have trusted with my savings that I lived off of, is Ludacris. My next from here is to consult with legal counsel, and including but not limited to my local consumer reporter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am doing this on my own behalf and really need someone to help me with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a 90 fraud alert put on my credit report due to some unauthorized hard inquires in the past few months. I have reached out to the furnisher 's and informed them of the situation and most if not all have sent a response. I have collected them in order for the credit reporting agencies to act swiftly in this regard.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrong personal information on my credit file. I have followed all protocol to get this matter resolved. Remove the incorrect names off my credit file. I have send in documents to this bureau several times and the incorrect name is still on my credit file. This is fraudulent activity. Misspellings and wrong last name on my profile
Product: Credit reporting, credit repair services, or other personal consumer reports

The Federal Trade Commission Bureau of Consumer Protection has received numerous complaints from XXXX XXXX XXXX, DOB : XX/XX/1974. SSN : XXXX in regards to fraudulent credit card accounts, debt collection accounts and an inaccurate public record reappearing on XXXX XXXX XXXX and XXXX credit report. XXXX XXXX has sent XXXX and XXXX countless letters of dispute for the following accounts reappearing on his XXXX, and XXXX credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX Discharged from the U.S. District Court Minnesota Bankruptcy Court, but XXXX and XXXX has failed to take action and remove the fraudulent accounts and public record from XXXX XXXX credit report. The Federal Trade Commission is requesting for the Consumer Financial Protection Bureau to open up an immediate investigation and investigate this matter promptly with XXXX and XXXX, and send a letter of reply to XXXX XXXX on the findings of the investigation. Thank you for your prompt attention and consideration to this matter.