23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX, XXXX XXXX XXXX. 
As Trustee for the Estate, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and all other derivatives say the following with clean hands ; The XXXX XXXX XXXX PNC BANK, NA, XXXX, Pennsylvania, with law firm XXXX XXXX XXXX did file an unlawful debt collection action, using the private venue XXXX XXXX of New Jersey, Cause number XXXX without proper Notice/Summons. Attorney XXXX XXXX, and his firm at no time, despite many request in writing and affidavit to prove the contract and debt failed to do so sent to PNC BANK, NA, c/o XXXX XXXX XXXX 
There is no " Mortgage ''. No funds were ever received, and they use deceptive language making claims, violations for 18 USC 1342, 1341, 39 USC 3005. 
They violate Trust Law and Canon Law, with their dishonesty, bearing false witness, false and misleading statements, unfair and deceptive business practices. They are not the Creditors, nor the agent by Power of Attorney to act as such. 
Fair Debt Collection Practices Act with clear and concise notice mandate debt collectors notify all [ debtors ] prior to attempting to any adverse actions, they did not.

I have sent them a Debt validation Demand letter, via U.S. Post Office Mail, certification number XXXX XXXX XXXX XXXX XXXX XXXX, on XXXX XXXX, XXXX, as per the Fair Debt Collection Practices Act, giving them 30 days to answer who the creditor, address and other debt validation mandates. 
I am very much present, full of life, in the age for Majority, despite the false Notice the people for XXXX XXXX XXXX, XXXX. placed in out of are newspaper- The Observer I have also found out today, the entity known as XXXX XXXX XXXX aka XXXX XXXX XXXX XXXX XXXX XXXX claims to own the mortgage, but not the Note, meaning a separation of Note from Mortgage, under Carpenter vs Logan , 83 U.S. 271, 21 L. Ed . 313, 16 Wll. 271. making the Note and Mortgage void.. 
Attaching document downloaded from XXXX XXXX " Loan Look up Tool '' as evidence, not holder in due course, no Note. 
XXXX XXXX was never entered on the caption for the unlawful cause of action claim in no jurisdiction State of New Jersey Venue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company XXXX was paid in full with the stimulus check issued by the US government. Payments were made directly from my bank account. They are also reporting errors to all 3 bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and i have tried several times with the credit bureaus to correct fraudulent information they have posted within my personal credit file. Some of the creditors were able to request the bureaus to remove some information in which they did. The creditors that are still reporting on my file informed me to contact the credit bureaus to resolve the issue. The credit bureaus have not helped at all. This is really hurting my financial situation and my living stability as I am unable to rent an apartment or anything due to fraudulent items being on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information reported that does not belong to me : NAMES : XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX ( MY ONLY NAME IS XXXX XXXX XXXX ) ADDRESSES : XXXX XXXX XXXX XXXX, CA XXXX ( MY ONLY ADDRESS OVER 7 YEARS HAS BEEN XXXX XXXX XXXX # XXXX XXXX XXXX CA XXXX ) EMPLOYERS XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( MY ONLY EMPLOYER IS HXXXX XXXX XXXX XXXX )
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate accounts in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of significant concern regarding the accuracy of information reported on my credit file with Experian. I have diligently attempted to rectify discrepancies in the reporting through various channels, including multiple submissions to the Consumer Financial Protection Bureau ( CFPB ). However, despite my efforts, the inaccuracies persist, causing substantial harm to my financial standing and opportunities. The accounts in question are XXXX XXXX  XXXX and XXXX XXXX XXXXXXXX I wish to emphasize the gravity of my situation and the adverse effects your inaccurate reporting has had on my life, particularly in the areas of housing and credit applications. Despite my persistent attempts to address and correct these issues, Experian and XXXX, in collaboration with XXXX XXXX, has consistently verified inaccurate information through the CFPB dispute process. 

I have noted discrepancies in the reporting across different credit reports, specifically in the " Date of Last Activity, '' " Date Reported, '' " Closed Date, '' and " Last Payment '' fields. The varying information on my Experian and XXXX credit reports raises serious questions about the accuracy and reliability of Experian 's investigation process. I believe that such inconsistencies directly violate the principles of fair and accurate credit reporting. 

I am seeking an immediate removal of the inaccuracies from my credit report based on the violations outlined in this notice. The persistence of these inaccuracies has not only caused financial injury but has also resulted in repeated denials for housing and credit opportunities. 

I appreciate your prompt attention to this matter and expect a timely and thorough investigation into the inaccuracies reported on my credit file. Please consider this notice as a formal demand for corrective action, and I trust that Experian will take the necessary steps to rectify this situation promptly. 

I filed cases with the CFPB regarding this on XXXX to both Experian and XXXX and both parties verified the items in question although they are clearly reporting inaccurately according to FRCA law. 

Thank you for your cooperation in resolving this matter. I look forward to a timely resolution. 

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

Lexis Nexis is showing information on their report about Accidents on my record that belong to my daughter. They were never filed against my insurance. She was covered by her own insurance company, but since her driver 's license shows my address, they reported on my report with their agency that it was mine. I challenged this but was informed it was my job to prove the information was incorrect not theirs to prove it was correct. I requested information from them showing they had corrected information and was informed I had to go back and get all pertinent information disproving their claim. I am being charged more on my auto and other insurance due to this misinformation.
Product: Credit card

On XX/XX/2024 I ordered XXXX pair of sneakers from a XXXX  website to make the story short I found out that the company was fraudulent XXXX is what this people took out of my account and chime hasent done anything about it I filed 5 dispute and they all been denied because the investigation team said the merchant said they had sent me the packages I asked for the tracking number chime couldn't provide me that I requested the documents of the investigation the merchant never sent a tracking number we are already in XXXX XXXX and I just got off the phone with chime and I have to wait another 10 days to recieve this investigation papers cuz the supervisor that u spoke to 10 days ago failed to request them now I got ta wait another 10 days I'm so tired of chime and there lies
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equfax 9 times to solve a credit reporting error with XXXX XXXX XXXX XXXX reporting false, misleading and fraud information. Once again I am requesting method of Verification that I have the right under the FCRA. I have yet to receive any proof that an investigation took place or that a loan exist in the amount of {$19.00}, XXXX that is being reported on all 3 credit bureaus. XXXX  XXXX admitted guilt by stating the alleged loan as charged off- paid in full. Equifax wants me to do their job of investigating the method of Verification used by XXXX XXXX XXXX  XXXX.it is equifax job to abide by my request for method of verification. Please ask for a copy of my credit report dated XXXX. Report confirmation number # XXXX will show the proof as well. I have my copy and download of my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my report. XXXX XXXX XXXX {$640.00} XXXX  XXXX {$1000.00} XXXX XXXX XXXX {$930.00} XXXX FIN XXXX {$15000.00} XXXX XXXX {$970.00} XXXX XXXX XXXX {$4200.00} XXXX XXXX {$780.00} CHAPTER XXXX BANKRUPTCY XXXX XXXX {$0.00}
Product: Checking or savings account

I previously filed a complaint. XXXX The response was that I would have to open a completely new account at a branch. According to the Capital One website, this will have to be done in an official branch which I do not have access to. This can not be done at a CapOne XXXX. There are no branches in Washington state, nor within 50 miles of XXXX, OR which is a 2 hours drive from my home. How is this a legitimate answer/response to my request for Online Bill Pay which I had when I opened my account?
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an account on all three credit reports that XXXX XXXX XXXX used my information to open or someone open an account with XXXX XXXX XXXX, this account was already taking off of all three bureaus and now its on my credit report this account was open in my name and its fraud, please removed this account, the amount is XXXX dollars the name of the collection agency is XXXX, XXXX XXXX XXXX has done this many of times if another account is open in my name I will seek legal action and sue XXXX XXXX XXXX for damages, I am attaching a FTC identity theft report to this complaint to have this removed
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. 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 XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Money transfer, virtual currency, or money service

I sent my son {$3500.00} from XXXX thru XXXX to his account with USAA. 
He has NEVER received the money in his account! 

XXXX has completed their investigation and has stated that USAA told them the money went into my sons account. The money in NOT in there and the money has NOT come back to my account. 
This is contrary to the documentation from XXXX ( attached ) stating that the transaction failed. 
Now I am filing a complaint against USAA as thy are saying the money was put into his account.
Product: Debt collection

Debt Validation Request for Account : Dear Sir/Madam, I am writing to request validation of the debt referenced above as per my rights under the Fair Debt Collection Practices Act ( FDCPA ). I recently received a notice from your company regarding this debt, and I am disputing its validity. 

Please provide the following information for verification : XXXX. **Verification of Debt** : The amount of the debt, including an itemized statement of the original amount, any interest, fees, or charges added, and the current balance. 

XXXX. **Proof of Ownership** : Documentation showing that you are legally entitled to collect this debt, including : - The purchase agreement or contract between Portfolio Recovery Associates , LLC, and the original creditor that establishes your ownership of this debt. 
- Documentation identifying the original creditor and the original account number. 

XXXX. **Payment History** : A complete payment history starting from the original creditor, including the dates and amounts of all payments made and any charges added to the account. 

XXXX. **Original Contract** : A copy of the original signed agreement between myself and the original creditor. 

I request that you cease all collection activities until this debt has been properly validated. If you can not provide the requested information, I ask that you remove this debt from your records and cease any further communication regarding this matter. 

Please respond to my request within 30 days of receipt of this letter. I appreciate your prompt attention to this matter. 

Thank you for your cooperation. 

Sincerely,
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX : XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Experian XXXX Information Center Dear Experian I was under the impression that you are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning me and my consumer file. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish However, I would like you to conduct a reasonable reinvestigation to determine whether the following disputed information is inaccurate and delete the items from my consumer file in accordance with 15 USC 1681i ( a ) ( 5 ) ( A ) : XXXX. XXXX  XXXX - account # XXXX Delete this account because you are inaccurately reporting : the date of the last activity, even This account was charged off on the following date [ XXXX ]. Since then, the account has repeatedly been updated as charge-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 : Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the complete of your re-investigation. 

Regards, XXXX XXXX
Product: Mortgage

My home loan was sold to loan care. Loan Care changed the late fees from my original loan. Loan Care kept the fee if paid after the XXXX of the month which was fine that is in my original loan documents. The added a {$10.00} fee if paid after the XXXX of the month in addition to the XXXX of the month. They charged that for 10 months and stopped. Why did they stop because it was not in my documents. I have called Loan Care 2 times about this, written 2 letters sent via US mail and written 7 emails ALL have gone unanswered. I want my fees returned
Product: Consumer Loan

In XX/XX/2016 I took out an auto loan with Peoples Financial Company at XXXX XXXX XXXX XXXX, XXXX Georgia, XXXX. I was told by the loan officer XXXX XXXX that they did not have an online payment system set up. I could email him each month with a credit card authorization form and he would credit my account. The due date was the XXXX of each month. I did this in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX the email was returned saying that XXXX XXXX email account with Peoples Finance was no longer valid. So I went and paid it in person for the XX/XX/XXXX and XX/XX/XXXX payment. In XX/XX/XXXX I went to their location to pay the loan off early thinking I had 5 payments left and a loan officer said I missed the XX/XX/XXXX payment and now had XXXX late fees amounting to XXXX. I said that I had not missed any payments or had been late. They said that the loan officer XXXX XXXX no longer worked there and they were not responsible for emails sent to him. I said that I was doing what their employee told me to do but they said they would not remove the late fees because he did not work there any longer. I tried to talk to the branch manager and he will not return my calls. Ive talked to 2 other people in that office and they tell me that it is my fault that I sent an email to their employee who no longer worked there and therefore missed the XX/XX/XXXX payment. I want my late fees reversed and do not want my credit report to show me as being late on this account.
Product: Checking or savings account

try to prescribe to XXXX and then felt not right. I found a customer service number to call on XXXX to get my refund. then talked to someone with an XXXX accent and said that he needed me to download an app called viewer or the view so he said that I could directly see the refund in my account and had me log on to the account. He then had me enter the amount to be refunded. In that he said there was an error and showed that I had an extra XXXX dollars. so he said he was going to loose his job if the money was not refunded. He asked me to buy target cards to refund the other XXXX dollars. I was thinking that I was paying back this extra XXXX dollars but i was paying my own money and did not realize it until the next day. The number I called was XXXX and then someone called me from XXXX to even try to get more money.I contacted my bank and also made a police report. the report number is XXXX
Product: Mortgage

My mortgage loan was transferred to XXXX. During the time my loan was with XXXX, they made no real attempt or good faith effort in trying to help me make continue where I left off with XXXX. I paid XXXX over {$7000.00} ( PITI ) during the trial period. I even made two ( 2 ) additional payments because the trial was three ( 3 ) months as I made a total of five ( 5 ) payments. 
I sent the requested documents for a modification to XXXX several times as the representatives would say they did not get them, which I do n't understand because they were uploaded on the website. Once they finally offered a modification it was an interest only mortgage which I did not think was fair or reasonable. All I wanted was to keep the plan I previously had, approved through the XXXX program and then approved by XXXX of {$1400.00} ( PITI ). I mailed a payment of {$1400.00} and waited for someone to post my payment and it never got posted. I called XXXX and spoke with a representative and he claimed they did not get my payment, even though I mailed it to the address provided by them. 
Shortly after that, the mortgage was then assigned to Specialized Loan Servicing ( SLS ), without any notification from XXXX. I received a packet from SLS asking me to tell them what my balance was. I thought this to be very strange. I started to get really suspicious and began to review all my documents and letters from XXXX. In my discovery I found dates that did not make sense and I also discovered other things to be discussed with a CFPB representative and uploaded. SLS has now violated the rules issued by CFPB of " No Surprises '', SLS did not send me one bank statement and I did not hear from them for an entire year. When I was doing my research, coupled with the fact the XXXX was still filing motions in the Court further increasing my suspicion on this whole situation of " who has interest '' in the note. XXXX was filing motions and foreclosure when supposedly SLS owned the loan at the time ; this was very upsetting and confusing. Now, for the additional violations of SLS they, out of nowhere filed a motion joining the 2015 filings of XXXX, trying to make the process of foreclosure faster, all without any notification to me and without the offering of assistance. Who is this organization? Now, there is a class action lawsuit against. I have uploaded the documents files by SLS and the assignment. Please keep these documents.
Product: Credit reporting or other personal consumer reports

I have contacted the credit bureau of this inaccurate information to be removed and the court order attached from the court of the alleged debt was dismissed without judgment of {$0.00} because it isnt mine. 
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Graves ( Mo ) 281 SW 715 719 I may presume that no proof of the alleged debt, nor therefore any such debt in fact exists. 
Attached is the court order from XXXX XXXX XXXX XXXX