23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

As a federally protected consumer I'm seeking proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may 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 demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature in wet ink, 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 : XXXX ) Please evidence your authorization under 15 USC 1692 ( e ) 15 USC 1692 ( f ) and USC 1692 ( g ) in this alleged matter. 2 ) What is your authorization of law for your collection of information? 3 ) What is your authorization of law for your collection of this alleged debt? 4 ) Please evidence your authorization to do business or operate in the state. 5 ) Please provide proof of the alleged debt, including specifically the alleged contract or other instrument bearing my wet signature. You have 7 days 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 ( XXXX ) in error, and that this matter is permanently closed. Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. I can't obtain housing or employment due to the violations on my credit file. Failure to respond within 7 days of this letter will begin my small claims action against your company. I will be seeking { {$5000.00} } in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriffs office in your county and I will begin the process of attaching property or funds to satisfy the judgment. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. The Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) will be notified regarding this alleged debt.
Product: Mortgage

I was refinancing my mortgage through Wells Fargo. After providing them multiple document proving income and several other documents ; I was decline due to a clause in the VA agreement on the closing of the mortgage. The reason I was given is that they consider my owned property as a condo when in fact it is a privately owned residence. The reasoning behind it was n't very well explained and now for me to lock in a rate I must provide a lock-in fee to the bank until they figure it out. I am a XXXX Vet and I feel I have been mistreated in this whole process. I would like a written, clear explanation as to why the VA and Wells Fargo refuse to assist a XXXX Vet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by my banker that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report. 

XXXX XXXX {$480.00} XXXX XXXX XXXX {$500.00} XXXX XXXX   XXXX {$860.00} XXXX XXXX {$57.00} XXXX  XXXX {$2000.00}
Product: Credit reporting or other personal consumer reports

Amount on the loan is {$19000.00}. A Late payment, which is a transaction was reported on my Consumer Reports with Equifax, XXXX, and XXXX XXXX XXXX Code XXXX XXXX ( A ), under Exclusions. That XXXX XXXX states : XXXX XXXX XXXX XXXX ( A ) ( i ) - EXCLUSIONS - Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section XXXX of this title, any- ( 1 ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The Late Payment is a transaction, and incurs fees. According to the XXXX XXXX XXXX XXXX XXXX ( A ) ( i ), this transaction is not to show on my Consumer Report.
Product: Debt collection

My wife gave birth to our son in XXXX, 2014, which was a high risk procedure and led to significant expense. We received numerous medical bills and thought we had paid all of them. However, XXXX remained for original creditor, XXXX XXXX, MD, which went to collections in XXXX 2014. The original balance was {$600.00}. My wife was contacted by the debt collection agency, Allied Collection Services, in XXXX, and they advised her that, unless she went into their office within 2 days, they would be forced to take legal action against her. She was understandably upset, so she went into their office, infant in tow, where they convinced her to sign several forms, including setting up a payment plan. She setup the payment auto-debit, according to their terms as they discussed in the office, and they withdrew a couple payments. However, in or around XXXX 2014, Allied filed suit and obtained a judgment against her, claiming she had not honored the terms of the payment arrangement. Upon review of the payment documentation, they required an initial payment of {$50.00} and subsequent payments of {$25.00} per month. My wife was led to believe that she only needed to setup the auto-debit for {$25.00} per month so she " missed '' the first payment. Upon securing judgment against my wife, Allied Collection Services secured a wage garnishment order against me as well. Upon being advised by my employer of the wage garnishment, my wife contacted Allied Collection Services to attempt to resolve the matter, but they refused to offer any reasonable alternatives ( other than payment in full along with significant additional collection costs ). My wages were garnished until XXXX 2015, at significantly more than {$25.00} a month. At no time did Allied Collection Services ever attempt to contact me prior to, during, or after garnishing my wages, which seemed like a fairly straightforward and simple thing to do. Nevertheless, I did not believe I had any option and allowed the garnishment to proceed. Upon completion, they secured enough money to nearly double the original debt. Further, although Allied had never made any contact with me, or attempted to do so that I am aware, they placed a derogatory tradeline in my credit file, the only such derogatory information in my credit report, and significantly impacting my credit for the next 7 years. I feel it is unconscionable that they were allowed to do as much as they did without first attempting to contact me. It was unconscionable that they created such a false sense of urgency for my wife when they knew full well that they could arrange a payment plan with her over the phone. It was unconscionable that they were so aggressive, so quickly after receiving the collection account, and that they said XXXX thing about the payment plan requirements but embedded different information in the fine print of the documents they pressured my wife to sign. And it is preposterous that I was forced to pay nearly double the original debt, which had not even been with them for 1 month at the time they secured judgment.
Product: Credit card or prepaid card

I got an alert there was a change to my credit report on XX/XX/2018 a CITICARDS CBNA  flagged on XXXX   Account type  Affected by natural or declared disaster balance USD XXXX 
I did not apply for this account I suspect Fraud.
Product: Student loan

This initially began in XX/XX/2011until now, when I decided to investigate this loan company. The following is the claim that will be made in court against Loan Science, a company that claims they own some of my loans : 1 ) Plaintiff has made prior payments to Loan Science without investigating the validation of debt with this company until now. 
2 ) Plaintiff did not make a loan with Loan Science and no has no documentation with a signature and notarization approving Loan Science as an owner of alleged debt.

3 ) Plaintiff has asked the Defendant, Loan Science, for  verification of debt, but has been unsuccessful in gaining proper documentation to prove its ownership. 
4 ) Additionally it was requested that if the account has been sold to another creditor, then that creditor must prove that it has the right to collect the debt or state why the document can not be provided. If these loans were sold, the physical documents of the loans should be notarized and signed each time the loan was sold to prove ownership. Currently these loans show a company called XXXX XXXX as an affiliate owner, which has no address, phone number, and unknown active business status.

5 ) The documentation that has been provided to Plaintiff shows various companies that have bought and sold various securitizations of loans and companies that no longer exist, yet still holds alleged promissory notes.

6 ) There were exhibits that were omitted from the documents that were sent.

7 ) Requested but never received all the necessary information from Loan Science in an attempt to resolve this issue outside of court. 
8 ) Total current amount of debt Loan Science is seeking from Plaintiff is {$26000.00} 9 ) Monthly payments being paid to Loan Science is {$140.00} until paid off.

10 ) A complaint has been filled with Federal Trade Commission Online Portal. Reference number is XXXX.
Product: Debt collection

i had XXXX with no income coming in i fell behind. I explain this each and every time i 'm contacted. I could n't make the agreed scheduled amount so i send what i can get from family and friends. 
That 's when the calls started coming daily up to 6 times a day starting from XXXX until XXXX XXXX including weekends. I know i owe this debt and looking for work as the Doctor recently released me back to duty with limitations so it 's hard trying to find work with limits. 
But i am trying.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX Birthdate : XX/XX/year> SSN : XXXX In response to your email and based on what was said, I have determined that 1. You did not update my credit report based on the information I provided. I stated I am a victim of identity theft and these accounts need to be removed from my consumer report immediately because they are inaccurate.

2. There are still accounts on my credit report that need to be deleted due to them being inaccurate and they are identity theft. The accounts that need to be removed due to them being identity theft on my consumer report are all the accounts listed on the identity theft report attached. But Ill also put them here -XXXX : Account Number : XXXXXXXX XXXX XXXXXXXX : Account Number : XXXX -XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX : Account Number : XXXX 3. Im requesting you to show me proof of me obtaining the possession of these goods or money on these accounts.

4.I requested you to block these accounts from my consumer report. I give proper representation with relevant material. 

As I stated before, I am a victim of identity theft. Please see the attached documents for the PROPER and RELEVANT REPRESENTATION relating to this case. The attached documents include a copy of my drivers license, proof of my residency, a copy of my SSN, and a copy of the FTC identity theft report affidavit I filed regarding this case. FCRA 605B ( 15 U.S.C. & 1681 c-2 ) states 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 4 business days after the date of receipt. It has been more than 4 days making you in VIOLATION of this law! As a Consumer I am demanding the deletion of ALL accounts and information i've listed as identity theft in the FTC identity theft report affidavit i've filed and attached immediately!!

These accounts should not be furnished on my consumer report as they are in violation! Under 15 U.S.Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my right as a federal protected consumer. NO WRITTEN CONSENT IS IDENTITY THEFT. As a Consumer I am demanding the deletion of ALL accounts and information i've requested immediately!! If these accounts are not removed from my consumer profile immediately, I will be required to get my FCRA attorney and take legal action!
Product: Mortgage

Fay Servicing will not credit account for XX/XX/year> payment which was mailed. Account past due for XXXX as well as current month. This is the second instance that the servicer denies receiving payment, only to subsequently return mailed items weeks after they have received them. 

Fay Servicing has filed default paperwork against the mortgage as of XX/XX/year>.
Product: Credit card or prepaid card

My wife has XXXX and has had for several years. She had an account with Home Depot. Her XXXX XXXX  son has been causing all the trouble you all have fixed. He used identity theft to charge over {$8000.00} to her Home Depot card. I would not be on the same credit account with her. The Mississippi Attorneys Office is investing the son abuse of a XXXX  person. I do have an account with Home Depot. I do not remember using my card. I had a conversation with Home Depot. All of this was addressed. They H.D charged with her debit. It is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I refinanced my mortgage. The account that I had with XXXX XXXX XXXX was paid in full by XXXX XXXX XXXX. I've contacted XXXX XXXX XXXX multiple time requesting them to update the account as paid. They stated that the person in that arena was no longer with company. I asked to speak to the the replacement. The replacement, Mrs. XXXX, informed me that the company reported quarterly and that it would be reported by XX/XX/XXXX.

In XX/XX/XXXX, I contacted XXXX XXXX again and they transferred me back and forth to different people and neither of them knew anything. Everyone reminded me that XXXX ( the person that reports ) is no longer with them. They suggested I file a complaint with the credit bureau to get them to do their job.

We are now in XX/XX/XXXX and I have two mortgages on my credit report because this company failed to report a payoff. I spoke with XXXX, the guy in charged over the company and he states that I had to send a request to the credit bureau in order for them to report a payoff. I told him " if i were late paying you would have reported it ''. He responded ... contact the credit bureau and request that we submit the payoff. If this was the case, why wasn't I informed to this back in XX/XX/XXXX. XXXX XXXX XXXX sent me a document showing my account was paid off and the balance was XXXX. Every other financial institution report debt, why is this company exempt?

My mortgage has been with XXXX XXXX XXXX since XX/XX/XXXX. It's going on a year that this company has not held their end of the bargain as a financial institution. I'm having to pay because XXXX XXXX did hire a replacement to fit this job description and it's not fair.
Product: Debt collection

I disputed the Capital One account with a balance of {$670.00} with XXXX, XXXX, and XXXX in XX/XX/XXXX. Instead of properly investigating, the credit bureaus illegally updated the account, verified it as accurate without providing a Method of Verification ( MOV ), and failed to remove the inaccurate and unverifiable information. 

Violations & Discrepancies Identified : Inconsistent & Contradictory Payment History Across All Bureaus : XXXX : Reports " No history available, '' XXXX XXXX XX/XX/XXXX days late, 0 months reviewed, and a remark stating Dispute resolved reported by grantor. 
XXXX : Reports 0 % of payments made on time, no high balance listed, 0 months reviewed, and XX/XX/XXXX times XX/XX/XXXX days late. 
XXXX : Reports 15 % of payments made on time, no high balance listed, 79 months reviewed, remarks stating Unpaid balance reported as a loss by credit grantor, account previously in dispute now resolved reported by subscriber and XXXX times XX/XX/XXXX days late. 
( Violation : FCRA 607 ( b ) Duty to Maintain Maximum Possible Accuracy ) Conflicting High Balance Reporting : XXXX lists a high balance of {$670.00}. 
XXXX XXXX XXXX do not list any high balance. 
( Violation : FCRA 623 ( a ) ( 1 ) Duty to Report Accurate Information ) Failure to Provide Method of Verification ( MOV ) : The credit bureaus failed to provide a valid MOV showing how they verified this account. No actual documentation from Capital One proving the accuracy of this account was provided. 
( Violation : FCRA 611 ( a ) ( 7 ) Right to Method of Verification ) Failure to Respond in the 30-Day Timeframe : All three bureaus failed to complete their investigation within the required 30-day period. 
( Violation : FCRA 611 ( a ) Failure to Investigate Properly ) Contradictory Remarks & Statuses Across Bureaus : XXXX : " Dispute resolved reported by grantor. '' XXXX : " Unpaid balance reported as a loss by credit grantor. Account previously in dispute now resolved reported by subscriber. '' ( Violation : FCRA 609 ( a ) ( 1 ) Consumers Right to Information ) Additional Consumer Protections Requested Since Capital One is the original creditor, they are required under FCRA Section 623 to ensure the information they furnish is accurate, complete, and up to date. 

Capital One has failed to meet this standard by : Providing inconsistent reporting across the credit bureaus. 
Failing to verify the accuracy of this account before furnishing data to the credit bureaus. 
Allowing inaccurate and unverifiable information to remain on my credit report. 
Additionally, since the credit bureaus verified this account based on Capital One 's furnishing, I demand that Capital One immediately provide documented proof of the following : A complete account history proving the accuracy of all reported balances, payment history, and late payments across all bureaus. 
A signed contract or agreement proving I am legally responsible for this debt as reported. 
A direct response detailing their method of verification for confirming this account as accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 1. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 2. The following status is Incorrect and unverifiable XXXX Account Number : XXXX Delete this account. 3. there is some inaccurate information reporting. XXXX XXXX XXXX Account Number : XXXX Please Delete this account. 
4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, TX XXXX 6. there is some inaccurate information reporting. XXXX XXXX XXXX  Account Number : XXXX Please Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraudulent accounts and inquiries or my credit report. I have rights under the fair credit reporting act that says inaccurate information shouldn't be on my credit report. Please verify each of these items and send me any written signature or agreement relating to these acounts and inquiries 1XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$430.00} 2XXXX XXXX XXXX XXXXXX/XX/XXXX 3. XXXX XXXX XXXX XXXX {$73.00} Inquiries 1XXXX XXXX XXXX XXXX XX/XX/XXXX 2XXXX XXXX XXXX XXXX XXXX 3XXXX XXXX XXXXXX/XX/XXXX 4.XXXX XXXX XXXXXXXX XX/XX/XXXX 5.XXXX XXXX XXXX XXXXXX/XX/XXXX 6.XXXX XXXX XXXXXX/XX/XXXX 7XXXXXXXX XXXX XXXXXX/XX/XXXX 8.XXXX XXXX XXXXXX/XX/XXXX 9.XXXX XXXX  XX/XX/XXXX 10.XXXX XXXX XXXX XXXXXX/XX/XXXX 11.XXXX XXXXXXXX XX/XX/XXXX 12.XXXX XXXX XXXXXX/XX/XXXX 13 XXXX XXXX XXXX 14XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 14.XXXX XXXX XXXX XXXX XXXX 15. XXXX XXXX XXXX XXXX XX/XX/XXXX 12.XXXX XXXX XXXX  13.XXXX XXXX XXXXXX/XX/XXXX 14.XXXX XXXXXX/XX/XXXX 15.XXXX XXXXXX/XX/XXXX 16XXXXXXXX XXXX XXXXXX/XX/XXXX 17.XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is the follow up request Dated XX/XX/2024. I see that until now I dont receive any responses about information on my credit report which is incorrect. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT ED/XXXX  XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT ED/XXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection on my consumer credit reports for {$140.00}, reported on XX/XX/XXXX. The debt is reported by the Collection Agency, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I have contacted the credit bureaus Equifax and XXXX  by mail on 3 occasions requesting an investigation pertaining to this debt they are reporting on my consumer credit reports, that is not my debt. To this date they have not provided any information, and to date have not removed this debt from my consumer reports.They are currently violating my rights under the Fair Debt Reporting Act and harming my credit rating. Furthermore, they are not responding to my repeated request to provide detailed information regarding the debt noted above. I have sent by First Class Mail three letters dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. To this date there has been no response regarding my repeated request.