23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I filed a complaint with this company previously. They responded by stating that they sent me information verifying my debt.To the contrary I received a bill that did not have an accurate physical address. This would have not given me the opportunity to reprocess my bill through insurance or dispute this bill before it was placed on my credit. In addition I sent debt validation letters via certified mail and I have not received a bill with the accurate address nor has this company provided a copy of my signature with the provider of service to release my medical information to you. Another account was also placed into collections by this company. I sent a validation to this company as well and have yet to received a response. It has been past 45 days for both certified letters.
Product: Debt collection

PROFESSIONAL PLACEME  ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Once again, I claim extortion against bull city collections and XXXX XXXX  these companies know I have paid my old XXXX XXXX bill off. The bill was in the address XXXX XXXX XXXX, XXXX, Ohio XXXX. The balance of the bill was {$170.00}. Anybody that has XXXX XXXX in their name know you can not obtain new service in your current new address if you have an outstanding bill with XXXX. Bull city collections is mad because XXXX receive payment without their services ... 
Monies that were paid to XXXX well as XXXX not professionally contacting bull city collections. Either way none of its my concern. My business was with XXXX XXXX and I paid XXXX what I owed in order to get new service at the address I am contacting your agency from which is XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX, Ohio. XXXX. 

XXXX  is no better they refuse to accept black & white as well. XXXX  be wrong with these companies setting out to ruin people lives when in fact we as consumers works too XXXX hard to get back on your feet credit worthy wise SERIOUSLY ; Please review the documents in the attached complaint. there was a payment made XXXX. XXXX XXXX  credit billing offices can verify that payment had to be made in order for me to get service. XXXX billing offices sent current payment info to 2 credit bureaus XXXX and XXXX. Both XXXX and XXXX listed XXXX XXXX  debit in the amount of {$170.00} ( Status PAID! ) Apparently, XXXX did not contact XXXX  or Bull City Collections and if XXXX did indeed contact XXXX  then its XXXX  refusing as I mentioned above refuses to post current XXXX payment info on my credit report as paid. 
XXXX and XXXX it shows on my credit report which is in black-and-white that this payment of XXXX was made bull city continues to try to extort money from me this needs to stop human air is divine when you have several people working on accounts things get twisted up and confused. I am so sick of this please get these monsters off my back! I paid the bill with XXXX XXXX make them remove that from my credit report I will keep fighting and not let these people know I may because Im working too hard to do better I will not tolerate please remove there are documents attached shows proof the payment was made. Creditors and collection agencies refuse to respect documents current documents this can not be allowed please contact these people with the necessary evidence tired of trying to talk to them as if I am blue in the face seriously!
Product: Mortgage

I am still having a problem with a XXXX XXXX XXXX and XXXX from complaint XXXX. Ditech has been shut down and still has not resolved the {$5800.00} that was paid to XXXX just before Ditech took over loan. {$5800.00} was paid to XXXX which over paid any money owed. XXXX cashed the check. When loan was transferred to Ditech, they claimed we were 3 months behind. No. The {$5800.00} was for any late payments plus extra to XXXX. That meant that when Ditech took over I started with a clean slate and should have transferred the extra {$230.00} out of the {$5800.00} to Ditech. Ditech received every payment for the year plus that they had my loan. None were late payments and extra was paid with each payment. Now the new loan co., XXXX, is left with the mess. All I have gotten from Ditech is, " We are looking into it, '' letters ( 3 ). Time to hire a lawyer? Also, XXXX would like to have a copy of the original letters that I wrote from XXXX which I do n't have access to. XXXX went under, now Ditech, what 's next? Sounds like a scam and run outfit. All owned by the same person/people/corporation. XXXX is most likely owned by the same people/corp. Please refer to XXXX, all docs are there.
Product: Mortgage

Loan # XXXX XXXX XXXXProperty Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX.XXXXWells Fargo Home Mortgage in the past has sent me some Pick A Pay Loan Disclosures that change depending who at Wells Fargo Home Mortgage is working that day. Now I dont know which document is real and which one is fake or our both documents fake. Doing this to home owners is called robo signing.Wells Fargo Home Mortgage will not give me a update on the status of my Loan modification application. 

Wells Fargo Home Mortgage has fabricated loan disclosures and now they are not sure which fabricated document to send in this complaint. 


I have made XXXX request to Wells Fargo Home Mortgage requesting copies of all original mortgage statements from the start of this loan because I do not have all copies of all my mortgage statements from the start of this loan. I need all copies of my original mortgage statements with the front and back copies disclosing all required disclosures in order to validate the debt and loan servings concerns. In a typed response Please do not skip this question. 


Are there in Corp Advance fees, Inspection fees, court fees legal fees, for this loan? If so on what dates? 

What is the status of my Loan Modification Application? 

Will you tell me what my loan option are? 

Who will be my single point of contact for my loan Modification? 

Please submit Name and address and phone of trustee/Investor for this loan for lending disclosures including fraud concerns. 

On what date did you receive my Loan Modification Application? 

Was my Loan Modification Application Approved or Rejected? 

I have not spoken to a Single Point of Contact will you assign me a new Single Point of Contact? 
Who is the trustee or investor for this loan? 
Please send me your Mortgage service agreement? 
XXXX XXXX
Product: Money transfer, virtual currency, or money service

Paypal close my account for no reason, I am trying to contact them but they are not helping me. I request them tell me the issue what is the exact issue for that you block my account, the representative said we can not tell you the issue, but which i can tell you that the restriction applied on you from the system and i can not help you with this and you have to wait for 180 days. I had my funds in that account about XXXX $ and I need my funds for run my family, I am doing freelancing on internet this is my hard earned money and they are blocking me for no reason. 
I want to request you please help me to resolve this issue. 
My email linked to paypal XXXX XXXX
Product: Mortgage

I started my FHA mortgage back in XX/XX/2012. My home value is listed as {$130000.00} and I currently owe {$100000.00} on my loan. That means my LTV is currently at 77.90 %. I am below the FHA required 78 % to remove the PMI from my FHA loan. I have already submitted my request in writing to Suntrust Mortgage, however they're insisting that my LTV is still sitting at 83.83 % and can not tell me how they keep coming to that calculation. I have even received automated text messaged from Suntrust regarding my loan saying I'm below the 78 % LTV.
Product: Debt collection

The following accounts are inaccurate and fraudulent. I did not own the following debt. I attached some screenshot of my report saying there are discrepancies in my accounts that the other bureaus do not have any input about the debt, please see attachment. 



XXXX XXXX XXXX  / XXXX / {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX / {$1400.00}
Product: Mortgage

Poor cosemmunication of Mortgage Loan officer XXXX XXXX, causing problems with closing. Although I complied with every aspect of this process, and sent in all documentation, by fax from Bank of America XXXX TX XXXX with OK confirmation. the Loan officer XXXX XXXX failed to tell me that my application was declined after we had a closing date and I was told that everything was fine. I attempted to contact the mortgage loan XXXX XXXX XXXX multiple times, and she would not call or email me back.When I spoke with Vicepresident CS sales Manager XXXX XXXX, he told me that my file had been declined 10 days prior to me calling him.She has sent and email to me and the Title Company XXXX XXXX on XXXX XXXX stating that she was waiting on the underwritting to confirm closing. According to Vice president XXXX XXXX, my file had been declined on XXXX XXXX, I still have yet to hear from Loan officer XXXX XXXX, and I have since rented my house out, since she let me to believe that everything was fine. My children and I now has no place to go due to her poor communication and unprofessionalism,, and I may lose the contract on the house that I am trying to buy. I was also told that if we did not close on XXXX XXXX, I would receive {$500.00}. Bank of America is obviously not concerned with my family 's safety or well-being and has been very unprofessional in this entire process. I will provided all the documentations for this entire process. thank you so much for helping us. XXXX know how many has going through the same situation like me.
Product: Bank account or service

If I take out a XXXX loan. I get charged a 6 % or so interest on the loan. The money is taken from my own XXXX account -- my own money, not the banks. I lose all interest on those funds. So basically, the XXXX service provider, is lending me back my own money, taking XXXX risk, taking a 6 % profit, and denying me capital appreciation on those XXXX funds. Effectively they are lending me my own money and raping me on charges. That is outrageous.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd request that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

I looked at my Equifax credit report on XX/XX/scrub>XXXX XXXX XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts that are included in the letter have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.15 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. 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

After numerous phone calls and a threatening letter about reporting an unknown debt of {$1100.00} owed to XXXX XXXX on an IRS XXXX, I advised the collection company The XXXX XXXX that this debt is phony, unsubstantiated and/, or long pass the statute of limitations for legal collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNTS AND INQUIRIES ON MY CONSUMERS REPORT AND CREDIT PROFILE ACCOUNT NAME : XXXX  XXXX XXXX LATE PAYMENTS Credit usage 100 % Balance {$340.00} Balance updated XXXX XXXX, XXXX Credit limit {$300.00} Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Credit card Status Open. Status updated XX/XX/XXXX Highest balance XXXX XXXX Monthly payment {$25.00} Last payment date XXXX XXXX, XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone number ( XXXX ) XXXX THE DATE OPENED DATE CLOSED AND LAST PAYMENT IS IN ACCURATE ON THE 3 CREDIT BUREAS AND ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL ... SINCE THIS IS A FRAUD DUE TO IDENTITY THEFT THIS BE REMOVED FROM CREDIT PROFILE AND CONSUMERS REPORT 4 BUSINESS DAYS FROM RECEIPT RESPONSE DISPUTE DISPUTE RESPONSE! 
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNTS AND INQUIRIES ON MY CONSUMERS REPORT AND CREDIT PROFILE AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNTS AND INQUIRIES ON MY CONSUMERS REPORT AND CREDIT PROFILE It is now XX/XX/XXXX 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

We are in the processing of taking out a home loan for a customer. On  XXXX / XXXX / XXXX , our customers credit was pulled and there was a collection company listed on their credit report that should n't be listed. On all   XXXX   bureaus, the account is showing as being disputed. On  XXXX   XXXX ,  XXXX , an attorney had sent a cease and desist to the collection company as this account had no legal bearing being placed on the customers credit report as well as filing a dispute to all  XXXX  bureaus.     On  XXXX   XXXX ,  XXXX , the customer contacted TransUnion,  XXXX  and  XXXX  to ask them when the account was placed in dispute. Each bureau stated that the account was not in dispute or never in dispute. The customer then asked when such comments were placed on her credit file and was told they do not have that information.     This collection account is affecting the customer ability to secure financing.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please do a full search on my report It's spring oaks capital llc of a balance of XXXX XXXX  last reported on my report was XX/XX/XXXX XXXX I'm asking please to remove this off my credit profile on my XXXX an on XXXX it's reporting on my XXXX XXXX profile. Also I have 4 hard inquiries on my XXXX XXXX that need to be remove I didn't not authorize anyone to pull my report, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX An XXXX XXXX XXXX XXXX XXXX XXXX Derogatory mark on my report XXXX XXXX  The same two hard inquiry on my XXXX XXXX account is on my XXXX report XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX XXXX Please delete these errors off my account
Product: Debt collection

Fair Collections & Outsourcing of New England, Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX Account # XXXX In accordance to the Fair Credit Reporting Act Fair Collections & Outsourcing of New England, Inc Account # XXXX has violated my rights.. It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XX/XX/year>. Since then the account has repeatedly been updated as charged off every month. This is an update on the payment history. A charged-off account should not include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. 

I am demanding a deletion of the following account : XXXX, XXXX. - XXXX
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following account need to be removed : XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

Sent collection notice to XXXX XXXX, which in turn put it on my credit report. The amount in dispute is {$190.00}. This is less than {$500.00}. And should not be put on my credit report. I talked to Eastern Account Services and was told by XXXX XXXX that I would have to pay a fee to have it disputed. I contacred XXXX XXXX and they stated they would leave it on until paid, even though it is disputed.
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 consumers rights to privacy and confidentiality under 15 U.S.C 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S, C 1681 section 602 A. States i have a 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 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 persons know or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

In XX/XX/2023, I requested that the collection company, National Credit Systems, validate a debt that is reporting on my credit report that I was unaware of. The company did not provide documentation to validate the debt and the account is still reporting on my credit report. This is a violation. The company never sent me anything about this account and still has validated the account and it is now XX/XX/2023. I am including a copy of my validation request letter to National Credit Systems and proof of tracking through certified mail that shows the company received the letter on XX/XX/2023.