23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I began questioning this organization in XXXX XXXX XXXXXXXX into XXXX and this supposed obligation has been influencing my credit. The obligation authority hasn't given verification that the supposed obligation has a place with me. This is the fourth time this obligation was sold in the wake of demonstrating that this supposed obligation isn't mine because of the organization 's deficient evidence and a duplicate of a printout bill isn't verification this is influencing my capacity to get another home. I don't have any idea why I'm being dealt with this way.
Product: Debt or credit management

I signed up with Americor, a debt resolution company, in XX/XX/XXXX with appx XXXX in debt. I was told for a payment of {$560.00} for XXXX  months I would be debt free. After making these payments for XXXX  months, Americor referred me to their sister company, Credit 9, My payments then went to {$700.00} for XXXX  months for XXXX of debt. I made XXXX payments to Credit 9, at which time I told them to have a negotiator call me. They told me XX/XX/XXXX that a negotiator would call. The call has never come, and I stopped payment on their auto withdrawal at my bank. They have sent numerous emails, I have responded telling them to have a negotiator call me, they still haven't had a negotiator call me. I have already paid XXXX toward my original debt between these XXXX companies and they are trying to collect nearly XXXX from me. They are banned from doing business in Colorado for XXXX  years for this very thing. They are both fraudelet companies and need to be shut down in my opinion. Thank you in advance for any resolution you can provide.
Product: Debt collection

Attn CFO : NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures. 

Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ). 

( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

I am hereby requesting all the above disclosures required by Federal. Since you failed to supply these documents as the federal regulations state, delete the account from my three consumer reports. 

XXXX XXXXXXXX ( All Rights Reserved )
Product: Credit card or prepaid card

Fillied a disputes on XX/XX/XXXX About two transactions from XX/XX/XXXX for {$2500.00} and XX/XX/XXXX for {$2900.00} for XXXX. 
This vendor has failed and canceied all the services purchased. Capital One has failed to abide by Consumer Protection Laws.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and Equifax has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts resolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures aligned with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence that I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove the disputed accounts, as XXXX inaction violates federal law and my right as a consumer.
Product: Credit reporting or other personal consumer reports

I am writing to dispute once again several negative items that are inaccurately reported on my credit file. Despite previous attempts to resolve this matter, I have not seen any meaningful action taken to correct these errors. This situation is highly concerning as it adversely affects my creditworthiness and financial standing.
Product: Debt collection

I pulled my credit report and discovered these accounts as collections on my credit report. I sent a dispute requesting validation of my debt to you and all three bureaus., not validation of my address. I did not receive a response to what I have requested and was reported as meets the Fair Credit Reporting Requirements. I have included a copy of what I have sent to you and the Credit Bereaus. If you can not provide all of the information below you are by law required to delete all entries off my credit report in 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, In the last couple of months I have been working on verifying and correcting any incorrect reporting on my credit bureaus.

On my TransUnion report I came across a collection that I was unaware of with a company called XXXX XXXX that only did credit card processing for a now dissolved company I was an XXXX  of. They are reporting a loan installment which I have never had a loan with them. With the contract entered with XXXX XXXX they collected all fees prior to disbursement of funds that were processed. 

I proceeded to dispute this reporting with TransUnion on XX/XX/2021. No response were files from XXXX XXXX and TransUnion removed there record on XX/XX/2021. However this company proceeded to report this item again on XX/XX/2021 which is a violation on the statute of limitations. 

I proceeded to contact XXXX XXXX. And was advised some fees were not collected prior to disbursement and which they attempted to collect from my bank account which returned for closed account. Since business was closed. 

XXXX  have not attempted any sort of collection efforts by mail or calls to avoid and delinquent balance and when disputed no response or proof was provided. They have also violated my rights to attempt to collect on the debts and responding to TransUnion within the 30 days time frame. I was never given any options to resolve the matter. 


Thanks
Product: Debt collection

I have not received any information on this account before it was reported on my credit report XXXX Notice for validation. This debt was put on my credit report without notice and i want to validate that the debt with a itemized bill to confirm amouts owed and all payment history for the account
Product: Credit card or prepaid card

Have had a home depot card since about XXXX during. I have not made any purchases on the card in years. on XX/XX/XXXX a purchase was made in XXXX tx. I live in a city XXXX miles away. They claim ID was presented at time of the purchase. I have no way to verify if one was or was not presented. They are denying my fraud claim and have kept me in limbo for over a month. During this time they constantly call me trying to collect the debt. 
I have an XXXX credit score. I have made over XXXX dollars in purchases at home depot alone this year on my discover card. My balance on the discover card is paid monthly. I do not skip out on payments. The charge in dispute was for about XXXX dollars and has since matured into a XXXX dollar bill with late fees. They continue to charge me. I have XXXX XXXX and have opened a case. This involves me making a police report, getting several papers notarized and has taken quite a bit of time. I should not be responsible for a charge that i did not make.
Product: Mortgage

On XX/XX/XXXX, I received a mortgage loan in the amount of XXXX, from AmeriHome. I immediately began to aggressively pay off the loan. On XX/XX/XXXX, I only owed a total remaining balance of {$2700.00} ( at that date ). I paid that amount and it was applied to my loan. The remaining interest was calculated on XX/XX/XXXX. It was calculated to be {$27.00}. I immediately paid that amount and it was momentarily applied to my loan, showing a XXXX balance. The next day the remaining balance was back to {$27.00} and the website indicated a payment was received in the amount of {$27.00}. The following day the balance was still {$27.00} but it now indicated that no payments had been received on the loan. 

I contacted AmeriHome numerous times on the phone and on their internal website email ( well over a dozen times ). I contacted numerous agents and no one could tell me why my loan was not fully satisfied. 

Today ( XX/XX/XXXX ), I again spoke to an AmeriHome agent who indicated that the {$27.00} was being held by them in suspense. She related that AmeriHome did that because if they applied the {$27.00} to my loan, my loan would have a XXXX balance. She demanded that I send them an additional {$170.00} so that they could apply the {$27.00} to my loan. 

The agent stated that they needed the additional funds ( {$170.00} ) as a recording fee. She also stated that on XX/XX/XXXX, I would be required to pay the full normal payment of {$1500.00}, regardless of the fact that I do not owe them any further monies on the account. 

I immediately sent AmeriHome the {$170.00} in duress and against my will. I believe that AmeriHome has no intention of showing I paid off the loan and they are committing fraud to extort money not due to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a Third Party. I am requesting that the following accounts be removed. These are fraud, I didnt benefit, apply for, and authorize these accounts. 

XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX   XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX, XXXX is fraudulent on my credit Account # XXXX XXXX   XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX and TransUnion credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the 30 day delinquent reporting when I learned of it by applying for a loan on XX/XX/18. 
I submitted a written letter to XXXX XXXX XXXX and requested to investigate my complaint and to remove the 30 day delinquency notice because the payment was made to their company on time. 
I am writing to request assistance in having a 30 day delinquent entry removed from my credit report from all 3 credit bureaus. 

The correction of the error being sought is described below in regard to the mortgage on my property. 

A 30 day delinquent entry on my credit report by XXXX XXXX XXXX because of an escrow shortage ; which is only a proposed or projected change. Its was not an actual payment that made that the company made and needed to recouped. Further, the proposed or projected escrow change was paid in full once XXXX XXXX XXXX was contacted. 

Payment application errors : XXXX XXXX XXXX rejected the full payment I made in XX/XX/2018 in the amount of {$1200.00}. It was not applied to the loan or returned to me. Why was it not returned to me if it was short within a timely fashion to avoid it being 30 days late? XXXX XXXX XXXX should not be unjustly enriched by unapplied funds sitting in their account that was intended to be applied to subject mortgage loan. 
XXXX XXXX XXXX did not properly credit the payment received on XXXX XX/XX/2018 in the amount of {$1200.00}. Said payment should have been credited to : XXXX XXXX XXXX Loan #. 
XXXX XXXX XXXX credited the XX/XX/2018 payment on XX/XX/2018 ; which resulted in a 30 day delinquency notice being placed on my credit report and a significant drop in my credit score. 
The payment should have been applied on the day it was received in accordance with 12 CFR 1026.36 ( c ) ( 1 ). 
XXXX XXXX Company should be required to remove the delinquent entry. It is harsh, detrimental and unjust. 
Mortgage Companies should be required to notify consumers via certified mail, phone or fax if unapplied funds are being held because of the adverse impact it has on a consumers credit worthiness, standing and capacity.
Product: Mortgage

Lender, Shellpoint, said they paid delinquent property taxes in complaint XXXX. You closed the complaint. As of today XX/XX/year> XXXX XXXX still shows delinquent taxes of {$2900.00}.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint myself and there is no third party involved. These items are inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA. I have done many attempts to reach out to TransUnion and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern, and where is the written confirmation for the removal of these items in my account? Please investigate properly and remove them all from my personal credit file. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Here are the lists of the erroneous items reporting on my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I have been a victim of identity fraud, fraudulent checks were made into my account # XXXX with out my knowledge. I contacted XXXX XXXX  and was told that my account was closed due to the crime that was committed.
Product: Credit card

The TJX Companies , Inc. 
XXXX XXXX XXXX XXXX  MA XXXX Dear sir, Since I had curiosity and wanted to make sure whether it was possible, I opened your company credit card my website account, and tried to return paper statement and found out it was impossible. There was no function and right of customers to choose paperless or paper ; therefore, I believe this credit card has illegal aspect and need to change it. The reason I have decided to return the paper statement is that once I could not find out my reward certificate, which was existed a few days ago and kept it. From the beginning, I did not know that I could print out the certificates. For three months, I could not use my reward certificates at all, and asking why I could not use. From the beginning, it is unusually that I could not see the past month statements since it must be able to do your company side to change visible immediately and it must be a reason why you want to change it to the paperless. I tried to ask with chat and this useless chat answered nonsense as you can see with enclosed printout. At least, you need to add current month statement which I paid off from my bank portal. Since I do not rely on your company website account system at all, I will continue to pay from the bank portal ; therefore, I do not pay attention existing payment system in your company website portal. What you need to prove is, at this moment, to upload and make enable the reward certificates system again ; then I will print out immediately whenever I realize and check whether that reward certificate ( s ) is/are usable.

Since your corporate consumer relations senior specialist has two addresses in his/her letter, which are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and unsure whether and which address is correct, I will continue to send my letter to your company and Synchrony headquarters, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.15 U.S.C . 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

LVNV Funding LLC XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX Formal Debt Validation Request To Whom It May Concern, I am writing to formally request validation and verification of the alleged debt referenced in your recent communication. As required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am entitled to obtain complete validation of this debt before any further collection activity continues or any reporting to consumer credit agencies. This letter serves as a request for you to substantiate that this debt is valid and that you have the legal right to collect on it.

To fully validate this debt, please provide the following : Clear Identification of the Original Creditor and Account The name and contact information of the original creditor.

A comprehensive statement detailing the full history of the debt, including all transactions that contributed to the current balance.

Complete Breakdown of Amounts Owed A clear, itemized breakdown of the alleged debt, including the original principal amount, any fees, interest, and any additional charges or adjustments made since the account 's inception. 

Proof of Assignment or Transfer of Debt Documentation substantiating that LVNV Funding LLC and XXXX XXXX XXXX has the legal authority to collect this debt, including a chain of title verifying transfer or assignment of the debt from the original creditor to your agency. 
Evidence of My Liability Copies of any signed agreements, contracts, or relevant account statements that clearly establish my responsibility for this debt. 

Date of Last Activity Documentation detailing the date of the last payment or activity on this account to verify compliance with the statute of limitations applicable to this debt. 
Until this debt has been fully validated in compliance with federal law, I request that LVNV Funding LLC cease all collection activities and refrain from reporting this account to any credit reporting agencies. If this debt has already been reported, please immediately inform the credit bureaus that this debt is disputed, as per my rights under the FDCPA. 

Please send all requested documentation to the address listed above. Should you fail to provide sufficient evidence of validation, I will have no alternative but to consider this debt null and void, and I will pursue removal of any adverse reporting related to this account. 

Thank you for your prompt attention to this matter. I expect a response with full validation documents within the statutory 30-day period, as required by federal law. I look forward to your compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed are not my accounts.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXXXXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have not suppled proof under the doctrine of estoppel by the silence Engelhardt. v Gravens ( m o ) 281 SW715.719 | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( please remove this account before I seek litigation for defamation of character ). XXXX XXXX XXXX. {$1500.00}, XXXX XXXX XXXX XXXX. {$49000.00}, XXXX XXXX. {$640.00}, XXXX XXXX. {$1100.00}, XXXX XXXX. {$6100.00}, XXXX XXXX. {$3500.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX