23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Il XXXX DOB- XXXX SSN- XXXX Sworn Statement Of Dispute Date XX/XX/2022 Dear XXXX, XXXX and Equifax XXXX You stated that I owe an alleged debt to XXXX XXXX  XXXX account # XXXX and XXXX  XXXX  account # XXXX. I would like to validate this debt under the USC, UCC, FCRA, FDCPA. I am requesting validation of debt request of U.S Code 1692. FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( 2 ) a copy of an identity theft report. Please provide the following documentation for the alleged debt to XXXX XXXX starting in. Under my God- giving rights please send me a sworn affidavit statement stating XXXX XXXX  still has the original signed contract with my XXXX wet signatures under penalties of perjury in reference to my rights under the UCC Code 3-308. Please also send me a copy of the commerce banking note to this alleged debt. Please also send a certified contract not a photocopy of this alleged debt. Please also send a true bill. A true bill the written decision of a grand jury ( signed by the grand jury foreperson ) that it has heard sufficient evidence from the prosecution to believe that an accused person probably committed a crime and should be indicted. Thus, the indictment is sent to the court. Please also send a lawful contract signed by both parties which makes it binding between both parties have given substance according to the contract law of 1872. Please send all validations of debt and paperwork linked to the alleged account from the alleged creditor. Please certify in a sworn affidavit under the penalties of perjury and XXXX able law that all states of rebuttal to this sworn are true and correct to the best of your ability with your signed signature. Please also send me a copy of this sworn affidavit via receipt of this letter. Please respond in XXXX  days of this a latter will become a binding agreement according to contract law. Furthermore, I will have to opportunity to cue in place a judgment on this company. If you fail to respond I am going to presume the debt isnt true in the first place. I am respectfully requesting this account be deleted and removed from my credit profile sense it is ruining my credit worthiness and my ultimate pursuit of happiness under the United Stated Constitution. To deny the procedure to discharge public debt is fraud, conspiracy, racketeering, collusion, theft of public funds and a dishonor in commerce according to the UCC Code. 
I am exercising my God for saking right this account must be deleted from my credit profile on all XXXX bureaus immediately or I will pursue legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

My payments are every XXXX of the month. I made the payments thru the mobile app and was never recorded. This happened for the months of XXXX, XXXX and XXXX of 2017. I requested for this account to be put on an auto pay since is on the business name ( XXXX XXXX XXXX ) but under my name.
Product: Debt collection

ON XXXX HARRIS AND HARRIS CALLED ME FROM PHONE NUMBER XXXX, SEVERAL TIMES. MY VOICEMAIL CAUGHT ONE OF THEIR ADAD CALLS ON XXXX XXXX XXXX XXXX. THEY HAVE CALLED ME AT LEAST SIX TIMES FROM THIS SPOOFED AND FAKE NUMBER OF THEIRS. I HAVE SCREENSHOTS OF THE CALLS THEY PLACED TO ME. THEN AN ADAD FROM A COMPUTERIZED VOICE FROM " XXXX XXXX '' LEFT ME A MESSAGE. I KNOW IT WAS AN ADAD BECAUSE THE COMPUTER VOICE HAD A GLITCH AND THE ADAD MESSAGE STARTED AGAIN. I ALREADY TOLD THEM TO STOP CALLING ME. THEN HARRIS AND HARRIS CALLED ME AGAIN FROM PHONE NUMBER XXXX XXXX XXXX XXXX XXXX XXXX, USING AN ADAD MESSAGE FROM THE SAME COMPUTERIZED VOICE OF XXXX XXXX XXXX XXXX. STOP CALLING ME AND SEND ME A COPY OF YOUR COMPANY 'S DNC POLICY. I DID NOT GIVE YOU PERMISSION TO CALL ME WITH YOUR ADAD CALLS. IF YOU HAVE MY CONSENT TO CALL ME WITH YOUR ADAD CALLS, SEND ME EVIDENCE OF MY EXPRESS WRITTEN CONSENT TO CALL ME WITH ADAD/ATDS CALLS.
Product: Mortgage

Payment was due XX/XX/2020 for a total amount of XXXX. 
I had made half the payment already. I was fired from my job XX/XX/XXXX so my payment scheduled was altered and I didnt receive final paycheck as usual. I paid entire month of XXXX mortgage and last half of XXXX mortgage on XX/XX/XXXX. 
Payment was reported 30 days late and credit score went from XXXX to XXXX. 
There is no record of late payments and there was not attempt on behalf of mortgage company to collect payment prior to putting forth a late charge and reporting payment was 30 days late. No correspondence of any sort was sent.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I received an email from XXXX notifying me that my account was suspended due to " some unusual activity linked to your XXXX  account which may be in violation of our user agreement ''. The note informed me that I could resolve the issue by verifying my identity by uploading my ID to their portal. I did so, but then I received another email on XX/XX/year> from " XXXX XXXX ( Team XXXX ) '' notifying me that " my actions and activity have been in violation of this agreement [ the User Agreement ] ''. And as a result, my account was permanently deactivated. 

I do not know what I did, I do not know what actions I took that were against the User Agreement and I do not know why this suddenly happened. This is a real problem for me, as I use these digital payments frequently. 
Thank you.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to XXXX and Transunion to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX and TransUnion are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX OF XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/year> i sent a small amount ( XXXXXXXX XXXX ) as a test transaction to my wallet. After a successful transaction i tried to send more but was locked out for " security '' reasons. They said i had to verify my identity which i did. They said i couldn't make any other transfers until XX/XX/year> for " security '' reasons. Now on XX/XX/year> when i tried to transfer MY crypto i am blocked for " security '' reasons. Had to re-verify my identity and am now blocked from transfers until XX/XX/year>. I'm willing to bet that on XX/XX/year> it will be a repeat of latest " security '' block.
Product: Credit reporting or other personal consumer reports

I was going thru a hardship and XXXX  XXXX took my payment i cleared my negative balance and they were suppose to activate my account again when i got a new card a week went by never received a card and when i called XXXX XXXX they said my account was closed as a charge off i burst out in tears i remember i was in the grocery store i kept getting transferred and some one in upper management would call me back. I never received a call back all i kept getting was treating messages from a debt collector and they were calling my job they wanted to settle they been testing me XXXX daily on my phone they reported it and it keeps getting reported then i was told please contact XXXX XXXX XXXX XXXX PLEASE HAVE THEM DELETE IT OFF MY CREDIT REPORT XXXX
Product: Mortgage

I worked with a lender from prime lending and everything was going wonderfully until about 2 week before closing. I had not heard from her in quite some time when one day, about 3 days before our closing should have been, she called and " made me promise not to get upset '' she went on to tell me that my FHA loan had been denied, after previously switching from conventional due to debt-to-income-ratio issues. So, she asked if I had any more money to give to help us go back to conventional. I said no. Flat out no. I had saved {$11000.00} to someday use to purchase a house. I knew fully well that ALL of my savings would be going into my house, and my realtor and lender both knew this. She later called back and stated that she had already put my husband on the loan, EVEN though I was never asked if this was ok. Apparently her supervisor told her to include him because of his credit. Well, this then made it to where all his finances would be legally necessary to use for the house. To get us to 5 % down, we would need {$3500.00} of my husbands {$5000.00} in savings. That would mean that to by our new home would be financially crippling ourselves ; draining my entire savings, and 70 % of my husbands. This was not ok, considering my husband had just quit his job and had ZERO income. Another fact my lender knew. It was never my decision. Our lender took complete advantage of us. AND this was after she had to award us hundreds of dollars in waived fees to make the loan go through. It was clear that we were not a priority, we were a paycheck. Now my husband and I are still trying to make ends meet with no money to fall back on, because of a decision that was made for us.
Product: Credit reporting or other personal consumer reports

My credit report contains late payment remarks that I strongly believe are inaccurate. These false records misrepresent my actual payment history and are unfairly damaging my financial reputation. I refuse to let these inaccuracies go unchallenged. 

Despite my responsible financial habits, these errors are creating unnecessary obstacles. The FCRA is clearany outdated, incorrect, or unverifiable information must be removed immediately. I expect swift corrective action, as any further delay will only amplify the damage already caused. 

XXXX - XXXX - {$8900.00}
Product: Money transfer, virtual currency, or money service

Someone named XXXX XXXX hacked my cash app account and sent themselves {$2000.00}. Cash app did nothing to stop the fraud.
Product: Debt collection

Ocwen loan servicing LLC has violated ALL rules AFTER a BK discharge of a XXXX % exempt property. They knew of it as they were at the BK and cancelled lifting stay over 5 years ago. The last FILING of a suit against us managed to get a false judgement in the Fed court systems to then get a judgement on eviction and writ of possession. Knowing the rules, we could n't comprehend that on the day the writ happened they would break the law and hire the local constables, and police AFTER REPEATED notices to them and Ocwen of the proof of the BK 's orders and exemption papers and that XXXX of them would drill into my door and surround our private property to remove ALL our possessions and have ME XXXX and not my husband or friends who witnessed it! 

Calling it " XXXX '' and having no charges or warrants to back it. I spent 10 hours in XXXX XXXX without being allowed to speak to a judge or to see the charges all with out ever asking WHO I was! Sense then we 've been living in a motel and seeking Many charges against them. We put a claim on their bond and was given the access codes BACK to our home! 
We RETURNED to an uninhabitable home and asked to have it fixed and because of the destruction of our personal property and of our home itself and Because of our asking, they get someone to lock us out again and put back a for sale sign up AFTER I noticed all the other real estate web sites of the theft of our home not anyone having the right to sell it. I 've been also letting the agency 's know and at this point? It 's a waiting game and we are miserable! Thanks for reading ....
Product: Debt collection

This company is rude and harassing, you cant even get a word in when trying to resolve issue. I have called in a few times last being about a week or two ago, regarding 2 debts which 1 has been disputed, the other one for {$1200.00} I was promised a settlement after debt was a year old, once it was a year old the said they can not do that. On another occasion they did not fully read mini Miranda on call, Violating FDCPA. I know this because ( I work in collections ). They have also left a message on my phone for another person I dont know disclosing a debt on XX/XX/2020 from a Ms XXXX.
Product: Debt collection

On XXXX/XXXX/2023 Spring Oaks Capital , LLC contacted a family member without my consent and told them the amount of my debit, who the debt was originally with, and gave an offer to pay off with a link. This is a violation of my privacy. 

The message was as followed This message is from Spring Oaks Capital , LLC. 

Your XXXX XXXXXXXX account originated by XXXX XXXX is now owned by Spring Oaks Capital SPV , LLC. We are willing to accept {$300.00} to resolve your account for less than the full balance. 

We request that you review and take advantage of this offer by 2023XXXX. We are not obligated to renew this offer. Please contact us if you need more time to reply to this offer. 

See the offer at XXXX. If you have any questions, reply to this text or contact one of our representatives at XXXX. We have agents ready to respond during normal business hours. 

We are a debt collector. Click here for important disclosures https : XXXX. Reply STOP to opt out.
Product: Debt collection

I received a credit alert that a collection agency known as IC System stated I owed them a debt of {$610.00}. I was not aware I owed a debt to anyone. I contacted them immediately. The debt belonged to a power company I had n't used in several years. IC System said if I paid off the debt immediately it would be removed from my credit report and not further reported to the credit bureaus. They promised me this debt would be deleted. I paid it off immediately. IC System still reported it to the credit bureaus. I called IC System and they verified the debt was paid, but still they did not properly report this to the credit bureaus for removal. It has been several weeks since I paid this debt in full and the derogatory remark remains on all of my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I reached out to Equifax to help me remove some unfamiliar inquiries from 2017. They informed me that the company was not able to remove them. 

I continued to file a dispute with all of the credit bureaus. The aforementioned inquiries were removed from every bureau except Equifax. I later received documentation from them listing all of the disputed creditors name, address, and phone contact. 

This made reaching out to the creditors simple. My plan was to contact them and inquire about the proper procedure for handling this matter. Since then Ive been redirected several times. The creditors saying we dont have you on file, contact Equifax. Equifax saying that they dont have the power to remove those inquiries.
Product: Mortgage

A home equity line of credit that I had opened with XXXX XXXX was transferred to Rushmore Loan Management in XXXX. 

Toward the end of XXXX, specifically on XX/XX/XXXX, I attempted to pay off the outstanding balance at Rushmore by sending a payment using Rushmore 's online payment system for the full amount of the outstanding balance shown on the mailed statement I received a few days prior. 

In early XXXX, I received another statement indicating that a service fee of {$20.00} had been charged to the account ( though apparently it was being charged later than the statement date, on XX/XX/XXXX ), and indicating that a total outstanding balance of {$20.00} was still on the account. 

On XX/XX/XXXX, I called Rushmore to get clarification, and was told that the service fee was just the annual fee for the account. I then asked for confirmation from the representative that making a payment through the website of the total outstanding balance, {$20.00}, would XXXX  out the account. The representative confirmed this. 

In early XXXX I received another statement from Rushmore indicating that the {$20.00} payment was not being applied until late XXXX - later than the account statement even through that payment had been sent on XX/XX/XXXX - and that a {$4.00} interest amount was being charged to the account. 

I attempted to call in for clarification again and was told not only that they couldn't provide more details, but that there was a {$4.00} amount due, and that they could not send a payoff and account closure without both myself and my wife - who is also on the account - faxing or mailing in a request form of some sort requesting a payoff letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several requests that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Also, the listed accounts are DELETED from other bureaus and you should also delete them as well. I have doubts about their accuracy and the reported payment history on these accounts is a mystery to me. 
XXXX XXXX XXXX XXXX Balance {$21000.00} ; XXXX XXXX XXXX XXXXXXXX Balance {$10000.00}.
Product: Credit reporting or other personal consumer reports

What happened? 

I received a Copy B of a XXXX form for my XXXX XXXX debt, which indicates that the debt was canceled. Despite this, the debt is still being reported on my credit report as unpaid. I have attempted to resolve this issue with the creditor, but they have not updated my credit report to reflect the accurate status. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and other relevant laws. 

Relevant USC Codes : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : A furnisher of information must provide accurate information.

15 U.S.C. 1681s-2 ( a ) ( 2 ) : Duty to correct and update information.

15 U.S.C. 1681i : Requirements on consumer reporting agencies for conducting a reinvestigation.

15 U.S.C. 1692e : False or misleading representations.

12 CFR Part 1022 ( Regulation V ) : Implements the FCRA.
Product: Credit reporting or other personal consumer reports

Re : Request for Removal of Account Information XXXX XXXX  Account Number : XXXX Dear XXXX I am writing to formally request the removal of a derogatory entry on my credit report related to an account with XXXX XXXX. This request is based on the recent judgment in the class action lawsuit against XXXX XXXX, which mandates the removal of derogatory information from consumers ' credit reports due to unfair practices and predatory lending. 

The relevant case is In re : XXXX XXXX XXXX Dealer Interest Rate Overcharges Litigation. The judgment issued in this case requires that any negative credit information associated with XXXX XXXX be removed from consumers ' credit reports as a result of the improper practices identified in the lawsuit. 

The details of the account are as follows : Creditor : XXXX XXXX  Account Number : XXXX Original Account Status : Collection/Chargeoff Date Reported : XX/XX/2024 According to the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute and request the removal of inaccurate or outdated information from my credit report. The removal of this account is in accordance with the courts ruling, which has deemed such information invalid due to the predatory nature of the lending practices involved. 

In light of the judgment and the provisions under the FCRA, I request that you promptly remove this account from my credit report. Please confirm in writing once this action has been completed. Additionally, I would appreciate a copy of my updated credit report reflecting these changes. 

Should you need any further information or documentation, please do not hesitate to contact me at [ Your Phone Number ] or [ Your Email Address ]. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

Wells Fargo Home Mortgage services my mortgage and XXXX XXXX is their legal representative. XXXX XXXX sent a notice XX/XX/XXXX giving me 30 days to respond to the validity of the debt on the mortgage. In spite of this deadline, XXXX XXXX went ahead and filed for Foreclosure before the deadline causing us both financial damages and needless harassment. I have spent well over 5000 in legal fees in challenging the validity of the debt for nothing and more far reaching problems in the near term. XXXX XXXX filed for Foreclosure XX/XX/XXXX when it should have been after XX/XX/XXXX. XXXX XXXX and Wells Fargo need to be accountable for their actions.This is not the first time for Wrongful Foreclosure Filing on the part of Wells Fargo and XXXX XXXX.They filed for Foreclosure in XX/XX/XXXX while the home was in the settlement phase of a lawsuit against the builder XXXX XXXX for structural issues and the mortgage was in the loan modification process with Wells Fargo. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE AND IS CAUSING TREMENDOUS HARDSHIP. PLEASE REINVESTIGATE YOUR CREDIT REPORTING AND HAVE THOSE DEROGATORY ITEMS REMOVE.