23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Around XXXX  I went to court on behalf of a friend who was incarcerated while getting an evicted out of their apartment. Ever since I went to court on his behalf, and helped him when his case, this credit for XXXX is on my credit report. 

I have contacted the lawyers handling this case many different times, and they have not agreed to dispute it. I have attempted to reach out because it is not my personal debt and they refuse to acknowledge that its not my debt. 

The account is over XXXX XXXX XXXX and the creditor just re added to my credit report the beginning of this year so I can effect my account for another XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is incorrect information on my credit report
Product: Credit reporting or other personal consumer reports

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX  XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX FL XXXX XXXX XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

On XXXX XXXX of 2015 we closed on our house. We were told by the closing attorney that we had to come to closing with almost {$5000.00} over and above the loan payoff amount because, Bay View loan services, our mortgage lender said they wont prorate the loan past the XXXX of the month. So we effectively paid penalties of {$77.00} per day for the entire month of XXXX even though we sold the house on XXXX XXXX. I then received a letter from Bay View saying they received our payoff on the XXXX of XXXX and that we would be refunded our overpayment and our our escrow funds in the amount of {$4900.00} in 21 days. On XXXX XXXX, 28 days later, I called to see where our check was. They informed me that the address they had on file was wrong and the check had to be reissued. I said ok, corrected the address error and waited another 2 weeks. When I called back on the XXXX of XXXX, I was informed AGAIN that the address was still wrong and had not been corrected from the previous call. At that point I asked for a supervisor and was put on hold and then hung up on. My wife tried the same day and the same thing happened. I waited and called again on the XXXX of XXXX and was assured on that day that a new check had been issued and we should have it within the next 7-10 business days. On XXXX XXXX I called again because we still had not received the check, I was told that it was sent and to please be patient. I called them again today and finally got someone in customer service. They informed me that according to their records multiple emails had been sent to the department in charge of this and they had all gone unanswered! No check had ever been reissued! Which means everyone that I spoke with lied to us up until today. The customer service manager that I spoke with assured me that the matter was being looked into now and that I would hear something by the end of the week. We are now 72 days past closing. 
To make matters worse, when they gave me the amount that was to be paid back to us was wrong. 
In XXXX of 2015 we received notice that our current mortgage with XXXX was bought by Bay View Loan XXXX We made our XXXX 2015 payment to XXXX which in turn sent the check to Bay View XXXX who then cashed the check. You will notice the cancelled check in the documents sent. However, when our XXXX statement came from Bay View, it had not reflected the XXXX payment. So the payoff amount at the time given to the closing attorneys was wrong. This company owes us our escrow overage, the penalties for the month of XXXX and the XXXX principal and Interest payment. All totaling over {$8000.00}. 
My wife and I are at our wits end with this and are not sure where to go from here.
Product: Debt collection

On XX/XX/2020, I contacted Lending Tree, Inc to request that a monthly payment be delayed or consideration given to reschedule the that monthly payment. Specifically, I requested some additional time to make the payment because I have been unemployed since XXXX, but have managed to pay each month on time utilizing the Automatic Clearing House ( ACH ) Debit feature on my account despite the fact that I never authorized automatic ACH payments each month. Over the phone, the agent stated that the payment of {$1000.00} for XXXX ( usually taken on the XXXX of each month ), could be taken as late as XX/XX/XXXX. I specifically asked if I would have to make two payments in XXXX due the delayed payment for XXXX. I was told that I would not have to make this payment and I assumed based on the current pandemic that lending groups were willing to exercise some flexibility with regard to repayments. I also specifically stated at least three times during the call, that I needed to be sure that if I was going to delay the payment that the automatic ACH payment usually occurring on the XXXX of each month was rescinded/cancelled and would not be taken from the account. The agent stated that this was true : no payment on XXXX would be taken. I checked my checking account from which Lending Tree draws today, XX/XX/XXXX and discovered that the account had been debited {$1000.00}. This ACH occurred without my permission. This despite numerous assurances that no payment would be taken on XX/XX/XXXX. I called today and was told that the agent had not rescinded the automatic ACH payment feature and that two payments would be required to keep the account current in XXXX. In sum, Lending Tree authorized an ACH transfer from my personal checking account, received the funds, currently has control over the funds, after my permission to transfer for these funds was rescinded.
Product: Debt collection

RE : XXXX To whom it may concern, I wrote you requesting validation of this alleged debt and ask you to supply the demanded proof of the alleged debt, I want to note that under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, I can presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or the other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 

For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for you collection of this alleged debt?

4. Please send evidence your authorization to do business or operate in the state of Louisiana 5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 
You have fifteen ( 15 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( s ) in error, and that this matter is permanently closed.
Product: Credit card

Subject : Complaint Regarding Dispute Resolution and Lack of Communication To Whom It May Concern, I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) against Current regarding the handling of a dispute on my Credit Build Card statement. The dispute in question involves a charge in the amount of {$1600.00} from XXXX XXXX XXXXXXXX, with a statement receipt number of XXXX. The dispute number assigned to this case is XXXX. 

Despite multiple attempts to reach out to Current through their customer service portals, I have received no updates or information regarding the status of my dispute. I have requested details about all communications they have received regarding the dispute, as well as information about where they are in the resolution process and what specific information they have gathered. Unfortunately, Current has failed to provide any of this crucial information. 

Furthermore, the unauthorized transaction from a blocked merchant has resulted in an overdraft on my account and has severely restricted my ability to use my account. Despite these significant issues, Current has provided no communication or updates regarding the dispute or the overdraft situation. 

I am deeply dissatisfied with the lack of transparency and communication from Current. I urgently request that Current rectify this situation immediately by refunding all funds related to the disputed transaction and resolving the overdraft issue. Additionally, I expect Current to provide timely updates and communication regarding the progress of the dispute resolution. 

Thank you for your attention to this matter. I trust that the CFPB will investigate this complaint thoroughly and take appropriate action to ensure fair treatment for consumers. 

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

I submitted a complaint about my forever decreasing credit score.. and the investigation is now well over 30 days and still no response from Equifax. Thanks kindly.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date of XXXX, 2023. Since then the account has repeatedly been updated as charged off every month.This is an update in the payment history. A charged off account should NOT include an active payment history. The 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, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed I had 11 late payments on one reporter, five on transunion and the account was removed on XXXX. I was never late on these accounts and the consumer reporting agencies have assumed a vital role and have a responsibility to report consumers information to the best of their ability with XXXX XXXX. I have never been late on payments for this account ( XXXX XXXX ) Acct # XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided i demand these payments be updated to on time as they should be as I was NEVER late.
Product: Debt collection

Someone from this number, XXXX keeps calling my father 's residence looking to speak with me. Apparently, she has told my dad there will be legal action taken against me if I do not pay " said debt ''. However, I have all my financial information taken care of. She is violating the Fair Debt Collection Practices Act by threatening someone else for a debt I supposedly owe. There is no verified debt amount, who the debt is from, and or a federally required debt collection notification letter sent to my address over said debt. 
I want these calls to stop occurring right now.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : Portfolio Recov Assoc XXXX XXXX XXXX VA XXXX Account number : Your NAME : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX Tx XXXX XXXX Dear XXXX XXXX  XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

Request for Deletion of Inaccurate Information I am writing to formally request the deletion of inaccurate information from my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, you are required to ensure the maximum accuracy of the information you report and to investigate disputes promptly. I have identified the following information as inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I sent to you a copy of my drivers license with correct address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX my only address. This address is where I receive legal mail. etc The other bureaus have my correct accurate address. please update immediately. The address you reported is incorrect, and despite my previous attempts to resolve this matter, the inaccuracies persist. These inaccuracies have caused significant disruption in my life and household, affecting my financial stability and well-being. In accordance with 1681e ( b ), which mandates that you use reasonable procedures to ensure MAXIMUM ACCURACY, and 1681i, which requires you to delete or correct information found to be inaccurate, I request that you immediately delete this account from my credit report. Please provide written confirmation once this account has been removed. Additionally, kindly update my credit report and inform me of any changes made. Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX is complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts from my credit report : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} U S DEPT OF EDXXXX XXXX XXXX {$0.00} XXXX XXXX XXXX : {$0.00} U S DEPT OF ED/XXXX XXXX : {$0.00} U S DEPT OF ED/XXXX XXXX XXXX {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX {$8200.00} XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00} U S DEPT OF EDXXXX XXXX : {$0.00} U S DEPT OF EDXXXX XXXX : {$0.00} U S DEPT OF EDXXXX XXXX : {$0.00} U S DEPT OF ED/XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX : {$0.00} U S DEPT OF ED/XXXX XXXX XXXX {$0.00} U S DEPT OF ED/XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$290.00XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked.

I have enclosed a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER
: XXXX  ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : ACCOUNTS : XXXX. ACCOUNT XXXX. NAME : XXXX / ACCOUNT NUMBER : XXXX XXXX. NAME : XXXX XXXX / ACCOUNT NUMBER : XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EQUIFAX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inacurrate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Product: Credit reporting or other personal consumer reports

I called XXXX because XXXX locked my 3-credit card ( CC ) accounts numerous times after trying to access them to make a payment and review my account statements.

Finally, I spoke with a lady, and she failed to add my XXXX checking account to all my XXXX cc auto payments. She failed to add 1 of the 3 XXXX CC to my XXXX account. She had access to all my XXXX  cc and made the error of leaving XXXX cc ending in XXXX without my XXXX auto-payment account. 

XXXX reported to all Credit Bureau that my account was late in XXXX of 2024, however, I wasn't aware of the situation, nor did XXXX contact me until the late fee was assessed. 

I became aware of this situation ( late payment and credit decrease ) after XXXX XXXX sent me a notification that my credit was impacted, and my credit limit was decreased. 
Around XX/XX/year>, I called XXXX, and an employee called XXXX made an adjustment on my cc for the late fee and said XXXX would update all credit bureaus. 
Two weeks later, I talked to XXXX and she said the same thing and provided case # XXXX for my records. 

On XX/XX/year>, I received a letter stating : that All of the account details we reported are accurate. We reported this account as delinquent for 30 days on XX/XX/year>. This means we wont be adjusting our reporting as you requested and consider your dispute resolved. 

On XXXX, I started getting the round around an employee, XXXX, and told me to call the next day On XXXX, I talked to Supervisor, XXXX and she explained that I was given the wrong info and shared that an apology letter was going to be sent to me ( which I haven't received as of today ). I felt that my conversation with XXXX was hostile and came across as retaliatory. It came to a point that I shared that most likely I was going to take legal action. 

On XXXX I paid XXXX over {$1200.00} to improve my debt- ratio, increase my credit score, and prevent other banks from limiting my credit limit like XXXX On XXXX with no warnings or motive XXXX retaliates and lowers my credit limit again. Other cc companies follow suit. They promised to send me a letter, but they failed to send it as it's their failure to properly communicate. 

It's very disappointing that my score is trash because of the retaliatory actions and wrongful intent actions from XXXX. Their actions of not recognizing they failed my access to my accounts and statements. Their actions prevented me from adding my account info and reviewing statements. Their actions prevented me from accessing my cc account. Furthermore, they decreased my credit limit 1 day after I paid over {$1200.00} for no reason since I haven't used the credit card or missed payments with them or any of my other accounts. My credit was 100 % on time until XXXX failed to do the right thing and damaged my credit.
Product: Credit reporting or other personal consumer reports

There are hard inquiries in my credit report that I did not authorize.
Product: Mortgage

On XX/XX/22 I exited forebearance with XXXX that was to be taken from principal balance and deferred for lump sum at the end of the loan. Instead they left it all in the loan and every month on forebearance added a missed payment to an unpaid delinquent balance. They called and said they were just starting my loan over and payments wouldnt change. Now the have added all the deferred payments that were supposed to be made at the end of the loan again so I now have a XXXX extra balance in the loan because they didnt take out the payments to pay at the end they left them in and added them again telling me my payoff balance is now XXXX. I spoke with a banker he said my principal balance is XXXX and when I asked for a printed payoff he left it out saying they wouldnt waive the XXXX. I am not asking them to waive them I asked they reduce the principal by them and add as they were supposed to at the end of the loan. I have paid interest now on the full balance forebearance payments and all. So they double every payment I was in forbearance on. If you look in the attached documents I highlighted the error. Whether it is someone printing it wrong they now added XXXX to my loan and will not move all the payments out of the loan to the unpaid balance. They left them in the balance and added them again
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed in a dispute over 30 days ago and I have not received any investigation results or correspondence.
Product: Credit reporting or other personal consumer reports

In short I bought a car from XXXX XXXX XXXX. They sold the contract to XXXX who illegally repossessed my vehicle. I would like it removed by both parties for breech of contract by XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

there are several fraudulent accounts open that have reflected on my credit report