23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Commencing on or about XXXX XXXX I fell victim to a multi-layered scam operation run by XXXX XXXX which involved me making deposits for a total amount of {$11000.00} USD from my PayPal account to fraudulent investment firm ( s ).
Product: Mortgage

I sold my home and with the sale of my home paid off my XXXX and XXXX mortgage with SunTrust Mortgage. The closing date of the sale was XXXX/XXXX/15 and the payment in full for both mortgages was received on XXXX/XXXX/15 ( confirmed by SunTrust Mortgage ). I am owed a refund of my escrow account by SunTrust Mortgage and XXXX refund checks were issued on XXXX XXXX, 2015 : the XXXX from my XXXX mortgage ( {$360.00} ) and the XXXX from my XXXX mortgage ( {$13.00} ). I received the {$13.00} check on Monday, XXXX XXXX. I have yet to receive the second check for {$360.00}. I have called SunTrust Mortgage numerous times and every time I get different information. the latest of which is that i must wait until 30 days from the date the check was issued to even request that an investigation be opened. I am EXTREMELY frustrated as for 10 years I never made a single late payment. I feel as though I am getting the run around and they are refusing to pay me the money that I am legally owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Persolve nor any of its DBA's/subsidiaries hold a Supervised Lender License as required by Kansas UCCC 16a-2-301 ( 1 ). In order to lawfully take assignment, Persolve must hold this licensure and be registered through XXXX. Persolve has accessed my nonpublic personal information, almost daily, to tarnish my reputation and coerce payment on an alleged debt that I do not owe nor is Persolve properly licensed within my state to enforce any alleged rights within a Retail Installment Contract. If a lender takes assignment, it must file notification and be licensed as the Retail Installment Contract calls for a supervised loan bearing more than 12 % interest per annum. Persolve has been requested to cease and desist all communication and delete this unlawful tradeline. Persolve has not taken any of my requests seriously and continues to defame my character with its unlawful access to my credit file and furnishing libelous, derogatory information in which Persolve has no authority. This is my last attempt to request the deletion of this improper and unlawful furnishing before litigating actions ensue. Please see the attachment from the OSBC Kansas Search Results invalidating any authority Persolve alleges to have. A complaint with the OSBC has been filed also.
Product: Debt collection

Ive tried disputing the debts because the debts are not mines. They are coming back as verified when I also have an identity theft on all 3 of my credit bureaus. I have tried explaining that it is not mines but they always tell me to contact the other people that reported the debts.
Product: Debt collection

I am writing due to the negative marks youve made on my credit file. I would be willing to accept this debt if it were mine and upon Validation and Proof of Claim, but its not mine and theres no way that you can validate it. Im sure you are aware of the provisions of the Fair Debt Collection Practices Act ( FDCPA ) so let it be known that I am requesting full validation of this debt. I am requesting proof that I am indeed the party you are asking to pay this debt, and that there is some contractual obligation which is binding on me to writing only, and ONLY when you can provide adequate validation of this alleged debt. To refresh your memory on what constitutes legal validation, here is a list of required documentation : 1. Complete payment history, the requirement of which has been established by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please provide verification by line item ( with an explanation of each item such as when the purchase took place, how much the item was, were the goods received, when were the goods received, etc ) for the entire amount you say I owe obtained directly from the Original Creditor.

2. Date of Last Activity 3. My Full, complete and correct social security number that may help identify me as the correct person you are trying to collect from.

4. Agreement that bears the signature of the alleged debtor wherein said person to pay the original creditor. 
5. The obligation between you and I that allows you to collect on the alleged debt and any transactions between your company that binds me to an agreement to pay your company any money that you claim I owe.

6. Proof of photo identification ( I.e., drivers license, state identification card, or other government issued identification card ) that was presented to you at the time of incurring this debt. 
7. 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 XXXX  ) - information relating to the purchase of bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source was calculated, where at issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt. 
8. Proof that this debt has not been written off as a tax liability.

9. Any other intimate knowledge of the creation of the debt by you, the collection agency.

I am sure you know, under the FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until this debt is validated. You should be made aware that in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the court ruled that reporting a collection account is, indeed, considered collection activity. You should also note this is not a request for partial Validation but rather, its a request for EVERYTHING listed here in order to constitute full and sufficient Validation of this debt.
Product: Credit reporting or other personal consumer reports

Failure to Investigate Properly 611 ( a ) Keep Repeatedly Reporting Inaccurate Information 623 ( a ) ( l ) Failure to Delete Inaccuracies 611 ( a ) ( 5 ) WILLFUL NON COMPLIANCE 616 Fraudulent Misrepresentation 623 ( a ) ( l ) ( B ) Failure to Provide VERIFICATION 609 ( a ) ( l ) You have REPEATEDLY VERIFIED AS ACCURACY ON ALL FRAUDULENT ACCOUNTS Please see ATTACHED DOCUMENTS
Product: Credit card or prepaid card

XXXX XXXX XXXX was found to be charging an annual charge on my credit card and I NEVER signed up for such a membership or autopay program with them. I already contacted them last year regarding the difficulty in handling the one {$20.00} charge I authorized and requested NO MORE charges. This charge recently XX/XX/XXXX on CASH card is improper.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed XXXX  XXXX since it appeared again on my credit report again as a charge off and late payments, this is fraud, XXXX XXXX personally removed it last year due to fraud so it shouldnt off been added back on thats illegal and against fair credit reporting act, I need this removed now since XXXX XXXX is fraud and I didnt sign up for it and as they see on there records it was indeed removed and XXXX XXXX did remove it 1 year or so ago and thej just after that long add it back as charge off that isnt right and against the law remove it now from my credit and block thisninfo
Product: Credit reporting 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. 

Account Name : XXXX  XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX  XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX has violated my rights. Or list of inquiries 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: Credit reporting, credit repair services, or other personal consumer reports

The inquiriy and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiriy listed below as a result. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, SC XXXX Date Updated : XX/XX/XXXX EMPLOYER : XXXX Date Updated : XX/XX/XXXX INQUIRY : XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT, and I included it again. Kindly correct the following accounts : Original Creditor : XXXX XXXX Balance Owed : {$350.00} XXXX XXXX Balance : {$20000.00} XXXX  XXXX  XXXX Balance : {$450.00} XXXX XXXX XXXXXXXX Balance : {$870.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$4400.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$700.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$6500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working with a mortgage lender to get pre approval. They were not able to pull my Equifax report citing a No hit after calling Equifax customer service they said it was a problem with a fraud block when none exisitedI sent in the required paperwork XXXX weeks ago and they repeatedly state they have not received it. I have made repeated calls and they insist that there is no reason why my lender can not pull my report yet my lender can not gain access. Calling customers service has not solved the problem. All I get is the same generic script saying I need to send in documentation that verifies already correctly stated information on my report. The lack of solutions is impacting my ability to access credit, and adversely impacting my life by not allowing me to access housing. The lack of care shown by equifax has been disheartening and if this issue is not resolved by the soon I will have no choice but to seek legal remedies.
Product: Student loan

Due to financial hardship, I requested a refund of the payments I made during the Covid Emergency. I made payments every month, without fail, from the start of the pandemic through XX/XX/2022. It was late XX/XX/2022 I requested a refund. I have called frequently, even asking to speak with a supervisor, a request that was denied. It has now been 7 weeks. I call weekly and the process is still as opaque as it was at the start. I have creditors asking for timeline of payments to which I cant provide. I cant use my credit card to pay for school lunches or mortgage payments. 


Please help.
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/year> Loan was for XXXX - when I got it the lady said it would be XXXX to pay it back, now they say I owe XXXX also on loan overview they show principal as XXXX ( not XXXX ) w/payments of XXXX per month
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable hard inquires which XXXX, TransUnion and didn't make sure it was reporting 100 % correct. I called many many times and told both companies and no changes hasnt change. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681 ( b ) and 15 U.S. Code 1681 ( 5 ) these accounts are in violation of not reporting 100 % accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

SPECIALIZED LOAN SERVICING has refused to report my mortgage tothe credit bureaus because they say since I had a bankruptcy (that did not include the mortgage being dismissed and we kept paying on the whole time and still pay) they will not report to the credit bureaus for the lifetime of the loan and I have to pay it off before they can report it. I told them it didn't make any sense. 1. My loan had been with XXXX XXXX for over 16 years and they never stopped reporting to the credit bureau. We even restructured our loan several times and everything was reported. 2. Bankrupties should not keep them from reporting to the bureau. Especially after discharge! My bank is the one who told me it wasn't being reported. I am never late and it is auto drafted. I spoke with a supervisor and she said all she could do was send a verification that I make my payments on time. I said that is not good enough for the bank and does not help my credit score, which btw would be higher if it was being reported. I told them I need a statement from them stating the issue so I could show my atty. They transferred me to the "bankruptcy" dept. Which is actually a 3rd party vendor named XXXX XXXX XXXX and they said I have zero file there, the supervisor was wrong to send me there, and the fact they were not reporting me was completely wrong and that is not how bankruptcies work. I have no idea what to do but don't think I should have to pay my atty to get involved. Please help!
Product: Debt collection

Dear Sir or Madam, I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from RADIUS GLOBAL SOLUTIONS : XXXX. Validation of the Debt ( the actual accounting ) ; XXXX. Verification of your claim against me ( a sworn affidavit or a hand signed invoice in accordance with The Bills of Exchange Act ( XXXX ) ; Uniform Commercial Codes ; Federal Fair Credit Reporting Act ; and California State Statues for Lawful Purposes. 
XXXX. A copy of the contract signed by both parties and therefore binding both parties. 
XXXX. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. 
XXXX. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Money Laundering Regulations XXXX and what actions s/he has taken in relation to this account. 

I hereby give you ten ( 10 ) days to reply to this notice from the above date with a notice sent using recorded post and signed under full commercial liability and penalties of perjury, assuring and promising me that all of the replies and details given to the above requests are true and without deception, fraud, or mischief. Your said failure to provide the aforementioned documentation within ten ( 10 ) days from the above date, to validate the debt, will constitute your agreement to the following terms : -That the debt did not exist in the first place ; or -It has already been paid in full, AND -That any damages suffered, you will be held culpable ; -That any negative remarks made to a credit reference agency will be removed ; -You will no longer pursue this matter any further. 
-You agree to pay all fee schedules. 

Please Note : I wish to deal with this matter in writing and I do not give your organization permission to contact me by telephone. Should you do so, I must warn you that the calls could constitute 'harassment ' and I may take action under Section 1 of the Protection from Harassment Act 1997 and the Administration of Justice Act 1970 S.40, which makes it a Criminal Offense for a creditor or a creditor 's agent to make demands ( for money ), which are aimed at causing 'alarm, distress, or humiliation ; because of their frequency or manner. 

Best Regards, by : XXXX : XXXX, grantee, beneficiary All Rights Reserved
Product: Credit reporting, credit repair services, or other personal consumer reports

After multiple telephone calls in XXXX and XXXX, 2020, Consumer Portfolio Services ( CPS ) continues to report inaccurate information to each of the three credit bureaus.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

as previously notified, I am a victim of Identity theft
Product: Debt collection

I have been trying to dispute a debt that is being reported on my credit from CCS collections. I have repeatedly asked for documentation/ contract stating I did business with the original party which is liberty mutual and they have not produced any documents to me. I have tried to dispute this multiple times with all 3 credit burues and CCS collections has only written them back saying the debt collection is valid. I never did business with XXXX XXXX or CCS collections and want this removed from my credit reports.
Product: Debt collection

XXXX XXXX continues to pursue this debt that is time barred and created from identity theft on a authorized user. They have a computer generated report ( hearsay information ) with wrong amounts and dates. I have informed them on several occasions, and proven to them that their information is inaccurate and they continue their pursuit. I am now having to go to court. I spoke with their attorney who has given false statements and does not do what he says he 's going to do
Product: Mortgage

I recently applied for a mortgage loan with BB & T bank and was connected with XXXX XXXX. I submitted my completed loan application on XX/XX/19. Both me and my realtor expressed the need to be expedient since the seller had already accepted my offer. XXXX rarely responded to any form of communication. She has not once called since the application was submitted. I emailed her several times asking for an update. I was finally able to reach her several days later when she confirmed that one of my documents came through blank. After asking repeatedly for updates regarding the process, she informs me on XX/XX/19 that there are dispute comments listed on my credit file. I immediately called all three bureaus and requested to have any dispute comments removed. I received confirmation that this was completed and forwarded them to Ms. XXXX. She insisted that the dispute comments are still on my file. I called all three bureaus again and received confirmation from each that they were in fact on the reports, but have been removed. I pulled my credit myself from each bureau to confirm that all the disputes had been removed. We were approaching our deadline to have the home inspection completed so I reached out for an update again to see where we were with the financing. Since Ms. XXXX did not respond to either me or my realtor, I called the bank directly and requested her manager 's number. Upon speaking to her manager, she immediately texted me and informed me that my loan was denied due to the disputes. I have provided everything Ms. XXXX has requested from me in order to process the loan within hours of her request. Regardless, she was very uncooperative. I believe that the loan was denied because I reached out to complain regarding the service. Due to her lack of professionalism, I will lose the opportunity to purchase this property. I would like someone at the bank contact me regarding the service I received. I also have copies of the text messages, credit reports, and unanswered emails that I would be more than happy to supply.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed here are fraudulent. I'm demanding they all be removed because they do not belong to me. If the credit bureaus do not remove these fraudulent accounts I will file a lawsuit. Fraudulent accounts and inquiries have been sent to the credit bureaus along with ALL supporting documents. Fraudulent items are as follows : XXXX XXXX XX/XX/XXXX {$680.00} ; XXXX XXXX XXXX XX/XX/XXXX {$430.00} ; XXXX XXXX XXXX   XX/XX/XXXX {$220.00}. Fraudulent inquiries : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

and state law to file this dispute. I also understand that knowing and willful misstatements are punishable as pejury under U.S.C 1621.This item found within my credit report is not related to any transaction that I made. 
I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money ; and was succesful increating this account. 
This debt collector is in violation for putting this unknown account on my credit report. 

This has caused me to suffer and its defamtion of my character
Product: Checking or savings account

On XX/XX/2022 someone stole my card from me and racked up {$190.00} in charges I called chase to report and said that everything was going to be taken care of. XXXX passed and I see that they reversed the credit back and stated because I used my card on the XXXX of XX/XX/2022 that it wasnt consistent with the fraudulent activity. I stated that the fraudulent activity started on the XXXX no the XXXX but they said they wouldnt check again and Im out of luck.