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

XXXX XXXX XXXX XXXX XXXX was closed on XXXX. Experian had been reporting this account on my credit report over 10 years after the account closed. 10 years is the maximum amount of time a company can report an closed account. Ive asked Experian to remove this account from my report and the refuse to remove it.They advised me the account will remain on my report until XXXX that means they will be reporting this account for 20 years.
Product: Debt collection

I, XXXX XXXX, a federally protected consumer, debtor, and holder in due course pursuant to UCC 3-306, I am asserting my right to acquire documentary evidence in accordance with 15 U.S.C. 44 for the books of account as defined in IRS Publication 583 in regards to Account name XXXX XXXX Account # : XXXX Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
I will need this documentary evidence to insure that your office isnt using unlawful extortionate means, as defined by 18 U.S. Code 891, with forethought and malice to bring harm to me and my financial reputation by making any false claims of securities, causing a tax liability. This documentation showing my legal obligation to pay you would insure me that there isnt any unlawful theft by deception, bank fraud, and creation of the false and deceptive form is in the act of taking place to a federally protected consumer, beneficiary, debtor, and holder in due course pursuant to UCC 3-306. 
Also note that if your company has filled out a 1099c form and is continuing any kind of collection activity as defined under 31 U.S. Code 3711 ( e ) by performing any of the following conduct ; administrative offset, tax refund offset, referral to private collection contractors, referral to agencies operating a debt collection center, reporting delinquencies to the credit reporting agencies, garnishing wages, pursuing litigation or foreclosure, you are committing tax fraud and should be reported to the IRS for a fraudulent financial gain. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit reporting agencies ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. 
If your offices can provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will not hesitate in bringing legal action against you and your client. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to these accounts must be deleted and completely removed from my credit file, if applicable, and a copy of such deletion request shall be sent to me immediately.
Product: Credit card or prepaid card

I get a settlement with " well fargo credit card '' To pay {$320.00} the debt i owed to the bank and they are charging me a lot of money for all they fees and that staff. They want to charge me {$800.00} for fees. I also received a letter from the bank saying that They " will stop futher efforts to collect the remaining balance '' and they still calling me to see if i can make the full payment, and still affecting my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute item do not belong to me. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX Date Opened : XX/XX/2018 Balance : {$3300.00} If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit card or prepaid card

I was late ONE TIME, by ONE DAY, and Citi has increased my interest rate from 14.49 to 29.99!! ONE DAY LATE! When I called in, they indicated that they wouldn't do a thing for me for six months. This is UNACCEPTABLE! This kind of financial terrorism should not be allowed by Banks. It's completely unreasonable and I want this adjusted back, immediately.
Product: Debt collection

NCB Management Services Incorporated is steady contacting me to try to collect a debt of {$4900.00} for an auto loan thats not my debt or account. The debt collection account is a fraudulent account, not my account and is the result of identity theft. Im a victim of identity theft. I have never applied for an auto loan. I dont even know how to drive and I dont have a Minnesota Drivers License either. So theres no way I applied for an auto loan. The debt collection account is fraudulent and is the result of identity theft.
Product: Mortgage

My mortgage was sold to JP Morgan Chase in XX/XX/2019. My homeowner 's insurance was being escrowed by the previous bank. 

My homeowner 's policy renewed on XX/XX/2019. In XX/XX/XXXX, I called Chase to make sure they had gotten the new bill and would be paying it on time. They did not have the bill and told me they would not have called me to tell me they did not have instructions for paying my homeowner 's insurance. They would have just let it lapse and then taken out expensive insurance on my property. 

My insurance agent sent Chase the updated insurance payment info and quote multiple times. They said they hadn't received it. I called with my insurance agent. The Chase representative told us she had the bill but that neither my insurance agent, my insurance company, nor the company I had gotten the policy through were in Chase 's " system ''. As a result, even with the bill and instructions we had sent, Chase could not pay my insurance premium. The Chase agent also told us it would take 60 days to register a new entity into their " system ''. 

My insurance agent told the Chase representative that she was sure her brokerage and the insurance company was in the system as she had other clients with mortgages at Chase who were escrowing their homeowner 's insurance and using the same insurance company. The Chase representative could not find any of these companies. 

My insurance agent and I spent several hours on the phone with Chase trying to resolve this issue. 

At this point my insurance was due in less than a week. I paid the insurance myself. I am now in communication with Chase to refund my monies escrowed for insurance and to stop escrowing my homeowner 's insurance. 

I was told that Chase would only refund my monies if I requested an escrow analysis. I am now being told that because this property is an investment property, Chase requires me to escrow the homeowner 's insurance. It is still not clear to me whether or when Chase will be returning the monies still being held in escrow for the XX/XX/2019 payment that I made myself.
Product: Consumer Loan

I engaged with a debt consolidation company effective XX/XX/XXXX. " The Lending Club '' who herewith in isthmus party whom the complaint is about, was made aware of this transaction by phonE, then via e-mail, then by the company at least twice and provided a copy of my authorization to speak to the debt consolidation company, XXXX XXXX XXXX. In addition, they were given ease and desist letters. 
I am still receiving letters threatening my credit and at least 2-3 phone calls each day. My account was NEVER late with them and has been in existence since XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

This is a list of accounts that should be taken off of my credit report they are listed under regular inquires : 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 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 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 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 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  ). This is a very long list and I don't know how they got some of these firms on this list but I know that they are not mine and they should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've request Transunion to remove inaccurate inquiries on my credit report and they have not done so. 

The following inquiries I've request to be removed due to inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, ND XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone number not available Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX DC XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX   XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Subject : Request for Resolution of Credit Report Discrepancies Dear Equifax, I am reaching out to address several accounts on my credit report. Specifically, accounts with XXXX XXXX XXXX and XXXX XXXX  have already been removed due to either statute of limitations or the inability to validate the accounts. 

Additionally, XXXX XXXX has exceeded the statute of limitations and failed to provide validation for the debt. XXXX XXXX  has also surpassed the statute of limitations and must be promptly deleted from my credit report. I have confirmed this information with the Attorney General of Ohio. 

Furthermore, the XXXX XXXX bankruptcy listed on my account contains inaccurate information that requires correction or verification. 

Your assistance in resolving these matters is greatly appreciated. 

Sincerely, XXXX XXXX formally known as XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, is submitting this complaint myself and no third party is involved. 
Pursuant to 31 USC 3718, " Under conditions the head of an executive, judicial, or legislative agency considers appropriate, the head of the agency may enter into a contract with a person for collection service to recover indebtedness owed, or to locate or recover assets of, the United States Government. The head of an agency may not enter into a contract under the preceding sentence to locate or recover assets of the United States held by a State government or financial institution unless that agency has established procedures approved by the Secretary of the Treasury to identify and recover such assets. '' and as such, I have yet to receive lawful proof from ASCENDIUM EDUCATION XXXX that approval to collect on the alleged debt was granted in accordance to the UNITED STATES code listed above.
Product: Credit reporting or other personal consumer reports

Dear Credit Bureau, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 16811 ( 7 ). Under Section 15 USC 16811 ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. 

Account : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account : XXXX XXXX XXXX XXXX # XXXX Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account : XXXX XXXXXXXX XXXX XXXXXXXX Account : XXXX XXXX which they dont show there account numbers at all After reviewing my credit report those account is reporting the incorrect open date, date of last payment, and date last active, can you reinvestigate this account according to section 1681i of the fair credit reporting act.

After your reinvestigation if you found this account to be inaccurate or incomplete or can not be verified can you delete this account according to section 1681 ( 5 ) of the fair Credit reporting act.
Product: Debt collection

Company has been on my credit record for several months. I have disputed it and have file claim of identity theft on several other occasions this being one of them they have not provided any documentation I am getting constant emails. Constant letter sent to my house and now my kids are starting to get a phone calls from them. My kids are XXXX. I have told them to stop calling repeatedly, and they have threatened to sue and to take me to court, without verifying the debt
Product: Credit reporting or other personal consumer reports

THIS IS A RESPONSE TO CFPB COMPLAINT ID : XXXX CFPB PLEASE STOP IGNORING THESE BLATANT VIOLATIONS COMMITTED BY LVNV FUNDING AND REMOVE THIS ACCOUNT FIRST OFF THEY FAILED TO RESPOND TO MY ORIGINAL LETTER WITHIN FOUR DAYS AS I REQUESTED.

SECONDLY, THEY ARE CLAIMING THAT ANOTHER PERSON OR ENTITY IS ACTING ON MY BEHALF SUBMITTING THIS DISPUTE WHICH IS INACCURATE. 

PLEASE SEE THE ATTACHED DOCUMENTATION AS IT PROVIDED FURTHER DETAILS INTO WHAT LAWS THE COMPANY IS IN VIOLATION OF ABOUT MY CONSUMER RIGHTS ALONG WITH THE LETTER I ORIGINALLY SUBMITTED COMBINED WITH LVNV RESPONSE TO MY DISPUTE
Product: Mortgage

Loan #  XXXX  The   XXXX   XXXX   XXXX   XXXX    XXXX  FKA the   XXXX   XXXX   XXXX   XXXX   as Successor indenture Trustee to  XXXX   XXXX   XXXX ,  XXXX  as Indenture Trustee for the  XXXX    XXXX       XXXX   XXXX   XXXX   XXXX  , Serie s  XXXX  We  have been unable to pay the amount due as we have fallen behind/short some months ago due to major increase in the monthly mortgage payment, My wife  XXXX  and I have recently separated. Im a   XXXX   XXXX   XXXX   and due to the market Ive had a drastic decrease in income. My wife currently working  part time and is searching for something more full time.      BAC modified the first loan in  2009.  we need help with the second loan. Our intention is to keep our home with the help of a reducing our monthly mortgage payments in order to get back on track. We have reached out to Bank of America asking for assistance with a Modification and I 've been declined assistance.
Product: Mortgage

XXXX XXXX did loan modifications in 2008 for our house. 

It was a 40 years mortgage split in two parts : 1- 1st XXXX  on {$360000.00} @ 2 % starting rate. 
2- 2nd XXXX XXXX {$89000.00} without baring interest or payments. 

We have been paying our mortgage payments on time without missing any. 

Shortly after, XXXX XXXX sold the loan to S P Servicing company. 

Our current interest rate is 5.125 % for the remainder of 40 years contract. 


Why the S p servicing doesn't adjust our loan payments accordingly knowing the fact that our interest is adjustable on the loan, in comparison with the going interest rates given by lending institutions are below 2 % at the present time. 

We have been struggling to pay our mortgage all these years on time, and currently we have our house for sale due to financial difficulties. 

My request from you is to get REIMBURSED for all over charged interest rates we have been paying to S P Servicing all these years. 

Please advise as what action you will take to resolve this issues. 

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

In response to the three accounts XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, and Fingerhut/Webbank # XXXX, that were deleted from my Equifax consumer files on XX/XX/2021, multiple FCRA violations have been committed on behalf of Equifax in regards to my consumer rights and their inability to notify me of these item 's reappearance on my credit report. Such violations have caused my FICO score to drop significantly and has hindered my ability to attain credit products. I have attached screenshots of my drop in FICO scores along with a credit card denial letter from XXXX XXXX XXXX in which the main reason for denial was a serious delinquency, as such delinquency, which was caused by Equifax 's lack of due diligence in regards to their FCRA responsibilities. These three accounts reappeared on my Equifax report on the following dates, XX/XX/2021, XX/XX/2021 and XX/XX/2021. I have not received any communication that Equifax has received any new documentation urging them to reinsert these accounts from the original creditors. Simply saying that they have new information does not suffice, as I, the consumer, must have proof of this new documentation, which I have never received. I have only received a notice saying the three accounts were reinserted, with no true proof that an investigation was conducted nor new documentation found justifying their reinsertion. Neither did I ever authorize these reinsertion which constitutes to the following FCRA violations : 1. FCRA 611 ( 5 ) ( B ) ( i ) 2. FCRA 611 ( 5 ) ( B ) ( ii ) 3. FCRA 611 ( 5 ) ( C ). Procedures to prevent reappearance I, XXXX XXXX XXXX, have every reason to believe that Equifax has not maintained reasonable procedures to stop this account from reappearing on my credit report within these three federal statutes : As I was never made aware that correspondence was ever made between Equifax and the three listed accounts after XX/XX/2021, when the items were initially deleted and between when the items reappeared. Equifax has sent me notices via mail saying the items were verified. Yet no explanation as to how they were able to verify this information was included. I have reason to believe that Equifax has conducted no reasonable investigation into the reinsertion of these accounts. My consumer rights have been violated and I am prepared to file suit against Equifax in small claims court pursuant to FCRA 616 and FCRA 617 if these three items are not promptly deleted from my Equifax credit profile. I urge that you make Equifax aware of the amount of compensatory damages totaling {$3000.00} that I am owed as a result of their negligence and FCRA noncompliant behavior n regards to FCRA 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] FCRA 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ]
Product: Money transfer, virtual currency, or money service

On Binance.US Im fully XXXX-verified and use two-factor authorization. But on XX/XX/21, upon a failed transaction to Binance/XXXX XXXX ( not due to my bank or funds ), my account was flagged and I could no longer do anything with my assets. 

I went through another verification process to restore access as directed by auto-generated email. I then opened up a support ticket # XXXX ( Customer ID XXXX ) to sort out a Deposit Appeal Process. They are reviewing my case but I can not speak with anyone directly. 

XXXX and XXXX are full of customer stories of this exact behavior. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX