23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This collection company is continuing their collection activity on this account on my credit report. I feel they did not validate this account or debt per my request that I sent them in the mail previously. They have not provided signed proof that I incurred this debt, an itemization of the debt and a copy of the underlying account statement and other written validation and explanation of the debt. 

Being that they failed to provide it, this is a clear violation of FDCPA. Proper validation consists of copies of some type of current creditor records, not records which only verify that the collector believes an account is valid. 

They are also violating the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate information on my credit report : Account Number : XXXX Balance : {$1400.00} Original Creditor : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request XXXX and TRANSUNION the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. The following accounts are listed below : 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

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below : XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX
Product: Mortgage

I have paid extra on my loan each month. This month my statement says I have an additional balance due of {$6800.00}.
Product: Credit reporting or other personal consumer reports

Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, XXXX and Equifax a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within XXXX business days. This credit dispute is being submitted as a notification of creditors who are in violation of the CARES Act during the COVID-19 Pandemic. The accounts that are being disputed, are either in violation of the CARES Act or do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion was supposed to remove bankruptcy from my report as was their last communication to me and the cfpb in XXXX they are in violation of the time to delete the XXXX as it is inaccurate unverified and unauthorized They have not removed it. I tried to dispute it get my credit report and respond to an email they sent me in regards to an investigation and they do not allow me access to my report and they do not let me have access to dispute it. Please refer to complaint XXXX Attached you will find proof with time stamps of what I describe here in violation of the fcra
Product: Student loan

I applied for the PSLF program back in XX/XX/XXXX. After countless hours spent on numerous follow- up phone calls for a year and half, I finally got my " qualifying payments '' statement. This is only after a complaint filed with the CFPB. 

On XX/XX/XXXX, a statement was mailed stating that I only made 2 qualifying payments between XX/XX/XXXX to XX/XX/XXXX. However, according to my records I made a total of 7 that should be counted towards PSLF ( see attached receipts and bank statements confirming transactions ). When I called Fedloan, the CSR told me that my first payment was due XX/XX/XXXX and since I did not make payment until late XXXX, I was late and therefore that payment and all others do not count for PSLF. However, according to my records, my first payment was not due until XX/XX/XXXX so all payments were made on time. 

The CSR told me to scan and upload all my evidence and she would file appeal. I asked her how long it could take and the response was it could take up to the same amount of time as the initial processing time- a year and a half! I told her this was their mistake and I should not have to wait another 1.5 years for a response to the mistake they made ( and I only got a response of my qualifying payments because I filed a complaint with the CFPB- it could have taken even longer if I did not file complaint ).
Product: Debt collection

**Please note, debt was already disputed an d discharged, but  not due to bankruptcy, it was dismissed because I was found to not be responsible for it.   I was sent a notice from a debt collector called : ERC, to notify me that  XXXX   XXXX  hired them to come after me for a debt that had already been disputed and dismissed both by the previous creditor employed by  XXXX   XXXX  and by   XXXX   and  XXXX  last year. How can they hire a second debt collector to come after me like this? I did a lot of work to get this debt removed and cleared already. This is like double jeporady! I am an elderly woman on a fixed income, and I am not responsible for this debt to begin with! Please help m e! See letter ata ched. Thank you!
Product: Credit card or prepaid card

XXXX XXXX filled out the credit card application. I did not get a copy. 
I would like a copy of the online application filled out online. Card opened XX/XX/2014.
Product: Vehicle loan or lease

Please find attached : ( XXXX ) all pages governed by the XXXX  related to each parties contractual obligations to Account # XXXX, ( XXXX ) The current payment demand dated XXXXby Bank Of America, NA for {$280.00} XXXX all pages ) received XX/XX/2023, ( XXXX ) copies of that payment issued pursuant to and in accordance with this Debtor 's contractual obligations and that lender 's servicer 's agreed to terms [ now appearing to be modified without the consent of the debtor/borrower ] for {$760.00} sent by Certified U. S. Mail and Noticed as delivered on XX/XX/2023 XXXX XXXX ) the postal print out of the failures of BOA NA to retrieve that payment in a timely manner. This lender and servicer is acting, without exception with and in BAD FAITH at each and every turn ( XXXX ) is that demand of the Legal Department of Bank of America related to that necessary Loan Modification and assistance with their security interest in that Vehicle which collateralizes the debt, not only have they failed and refused to communicate they also failed and refused so execute the Return Receipt attached to that Certified Mailing causing a Chargeback to be had for that {$8.00} paid to USPS for the service they failed to perform and obtain. 
It is blatantly obvious there is but XXXX party bound by the terms of that contract and XXXX party that completely flouts the laws behind the contract making that relationship and contract unenforceable in law and fact.
Product: Debt collection

I have called to request validation of debt. Original creditor removed off of my credit report due to the fraud. They are still reporting even though they " sold the debt '' to a different collection agency.
Product: Mortgage

Issue : Loan transferred from XXXX XXXX to Shellpoint Mortgage XX/XX/XXXX.

Prior to this transfer ; XXXX was in the process of placing loan in my name only, XXXX XXXX XXXX XXXX, per divorce decree and the approved Hamp loan modification. Prior to completion loan was transferred to Shellpoint.

I, XXXX XXXX XXXX  am able to provide a timeline of continuous contact for resolve of this matter with XXXX XXXX XXXX , inclusive of today calling twice leaving messages for XXXX XXXX , loss mitigation Supervisor, with no returned call to me as of the time of submission of this letter. XXXX XXXX XXXX spoke with me on XX/XX/XXXXassuring me that Shellpoint will honor the aforementioned XXXX agreement. All paperwork submitted, XX/XX/XXXX. XXXX XXXX  stated I will receive paperwork addressed to me, with Shellpoint 's name to re sign with mortgage amount and my name only. Timeframe will be 90 days. Confirmed with letter sent by shellpoint on XX/XX/XXXX ( but in XXXX XXXX 's name ). On XX/XX/XXXX I called to check status hence XXXX XXXX XXXX wants his name off the loan or can force me to sell. On XX/XX/XXXX, XXXX XXXX said I do n't qualify for hamp, I must start trial payment and then my name can be placed on loan, because I have not paid mortgage since XX/XX/XXXX. I was awaiting the documents, as told by XXXX XXXX in XX/XX/XXXX, to sign with my name only, with the XXXX XXXX new mortgage amount and was not told to pay mortgage while shellpoint formulated transition from XXXX XXXX to XXXX XXXX. Shellpoint has not abided by the XXXX agreement of the transparency notice I signed along with quit claim deed and all requested paperwork required by shellpoint. Shellpoint has not been honest and I will lose my home per divorce decree.

Shellpoint is unfairly requested a new trail payment and all the records are still in XXXX XXXX name. On this new trail payment one date says by XX/XX/XXXX the amount due XXXX but also says due on the XX/XX/XXXX. No one returned my calls for clarity.

I have timeline substantiating records.
Product: Debt collection

CRA and Hipaa violations. I have no knowledge of fraudulent credit card and medical collections on my Experian credit report. FTC Identity Theft Report No. : XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate and/or unverifiable information that remains on my credit report despite previous disputes. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2, data furnishers are required to conduct a proper investigation and report only accurate and verifiable information.

After multiple requests, the companies below has failed to provide documentation validating the accuracy and legitimacy of the disputed account ( s ). As a result, their continued reporting constitutes negligent non-compliance with the FCRA.

The following account ( s ) remain inaccurately listed on my credit report : Account Name : XXXX XXXX XXXX National Credit System XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Dispute Reason : incorrect information Request for Immediate Action 1. Remove the inaccurate information immediately. If the furnisher can not verify the accuracy, the account must be deleted from my report.

2. Provide me with a copy of the documentation used to verify the accuracy of the reported information.

3. Notify me in writing within 30 days with the results of your investigation, as required under the FCRA. 

Failure to comply with this request may result in legal action, as the continued reporting of inaccurate or unverifiable information violates federal law. I expect prompt attention to this matter and appreciate your cooperation.
Product: Payday loan, title loan, or personal loan

On XXXX XXXX I applied for the PPP loan for the 1st time ever via XXXX. On XXXX XXXX I received a notification the I could not apply for the 1st draft loan because I had already received it. I thought this may be an error and I waited a few days to see if it would clear up on its own. After a few days the processing portal still showed that I received the loan for the 1st draft even thought I had never received it. I immediately called the SBA who is the government agency that provides the funding for the PPP loan. I explained to them exactly what was going on and I also provided them with the loan number that shows it was funded to me. After giving the loan number I was told that SBA could not provide any further information other than the loan was funded. I was told to contact the Attorney General Office and to speak to someone at XXXX. I have called XXXX and emailed and still have not received any type of communication back. Today I logged into my XXXX account and it now says the under of the 1st PPP loan was a company called Benworth. I called Benworth and after waiting over 2 hours to speak with a representative I was told to email my concerns and then the representative hung up on me. He did not take the loan number or any of my information. I have tried to contact Benworth numerous times and have had no luck in this matter.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the publication of certain information on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). According to 15 U.S.C. 1681b, credit reporting agencies may only include information in a consumer 's credit report if there is a permissible purpose defined by law and if the consumer has explicitly authorized it. 

In this specific case, I never gave my consent, nor was I presented with any contract or disclosure explicitly authorizing, either in writing or verbally, the publication of the following accounts on my credit report. Therefore, the inclusion of this information is inaccurate and constitutes a violation of my rights as a consumer. 

Accounts in Dispute : Creditor Name and Account Number : XXXX  XXXX XXXX ( Reported Date : XX/XX/XXXX ) Creditor Name and Account Number : XXXX XXXX XXXX ( Reported Date : XX/XX/XXXX ) Furthermore, according to 15 U.S.C. 1681c-2, when a consumer submits a formal identity theft report, credit reporting agencies must block any information identified by the consumer within four business days. Although this case does not involve identity theft, the lack of consent and disclosure reflects a violation of the FCRAs principles requiring accuracy, transparency, and lawful reporting. 

I am also attaching my FTC identity theft report to support my dispute, including the report number : FTC Report Number : XXXX. 

I remind you that under the FCRA, you are required to complete your investigation of this dispute. Failure to comply with these legal requirements may result in additional actions, including formal complaints to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies.
Product: Money transfer, virtual currency, or money service

I

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

On XX/XX/year> I contacted Ally Bank. I have approximately {$46000.00} between a savings account and a money market account. I needed to have a check from the money market for {$3200.00} paid to someone providing services for my home. Teh bank advised me that my account was frozen. They advised me that there was nothing that I could do to address the problem, as it is their process to contact me. In other words, " don't call us, we'll call you. '' This has wrongfully deprived me of funds that I need to live. I offered to fully authenticate or provide any information that they need. They declined and said " that is not their process '' I have been left in an impossible position and they have wrongfully taken my funds.
Product: Checking or savings account

Sometime between XX/XX/XXXX and XXXX XXXX, I noticed that there were numerous transactions ( XXXX, in total ) with which I did not recognize or authorize. As soon as I noticed, I attempted to reach out to my financial institution ( Capital One ) to report the discrepancies, however, their phone customer support center was closed at that time. Thus, I was forced to wait until the following day to report the unauthorized transactions. Once I finally managed to connect with a member of the disputes team, a claim was able to be filed for XXXX of the XXXX charges. I had to file a separate claim for the remaining charges, as they had yet to officially be posted to my account at the time in which the original claim was filed. After less than XXXX days, I received XXXX separate emails from my financial institution stating that my claim results were available for viewing. Much to my surprise, however, I opened the results only to discover that the financial institution was denying both of my claims. 

The reason : due to your assertion about the debit card possession and transaction information. 

I immediately called my financial institutions customer support number upon reading these results and requested that a re-investigation be conducted for each of the claims. They stated that they could do so, however, they would not do so until I provided them with additional documents related to the charges being disputed. I explained to XXXX different agents that such a request was implausible, seeing as the transactions were clearly a result of fraudulent use of my personal information and/or my debit card number. In response, the agents told me to reach out to the merchants then, instead as they were not going to assist me any further with the matter unless I provided them with documentation that I would never realistically have due to the nature of the scenario. I have attempted to reach out to each of the merchants XXXX XXXX  ( XXXX prior to and after contacting my financial institution ), to no avail. Capital One Bank Corporation has essentially told me to just deal with the fact that my hard earned money was stolen due to fraudulent use, which is beyond disgusting to know that a company would approach this type of situation in such a manner. I hope to have this resolved promptly without having to seek legal recourse against Capital One, however, I am somewhat unconfident that such a resolution will be provided by Capital One, based upon my interactions with their staff, thus far.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX IS REPOTING LATE FOR THE MONTH OF XXXX MY DUE DATE IS THE XXXX OF EVERY MONTH. IVE MADE 5 PAYMENTS SINCE XX/XX/XXXX TO XX/XX/XXXX OF {$150.00}, {$20.00}, {$390.00}, {$190.00} AND {$190.00}. I WANT MY ACCOUNT BE UPDATED TO CURRENT
Product: Credit card or prepaid card

my old card was used by a fraudulent person, so I bought this card and it will not recognize my email nor can I get money from my acct, they are saying its locked up now, can not get a person to talk.the date I started on XXXX keep stating it will take 2to 3 days, this is now 6times I have tried to get an anserw,,,,,,, ,please help me with this card its a blue bird American express ... ... thank you.XXXX
Product: Debt collection

I agreed to a settlement offer from Phillips & Cohen Associates and paid it on XX/XX/21. I just received a billing today saying I still owe {$930.00}. It says I have to call or write to dispute this. Why should I have to write them or call them and then trust they will get it right a second time? It's not that hard to be able to correctly determine if someone has paid a settlement agreement and to not harass them anymore. Just when you think you are done with them, they pop up again. There's no end even when you pay them! You can't be sending people bills they don't owe because you have bad recordkeeping. I know some people are scared of debt collectors and may just pay something they don't owe just to get collectors to go away.
Product: Debt collection

On XX/XX/2021 I send a Debt Validation Affidavit letter to NATIONAL CREDIT SYSTEMS regarding an " alleged debt. '' I gave the debt collector 30 days to respond and received no information which violates 15 USC 1692g. Pursuant to the Fair Debt Collection Practices Act I have the right to request validation and receive such information in a timely manner. It has been well past 30 days, as a result, I have sent NATIONAL CREDIT SYSTEMS an Affidavit of Truth and a Cease and Desist regarding their violations. They have also violated 15 USC 1692j furnishing certain deceptive forms by having an invalidated account on my credit reports. I have included all documentation they originally received and the most recent documents. All documentation originally sent was notarized and signed and sent with a green return receipt that I also included as Exhibit A.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements + under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and XXXX. 
financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

I am a customer of Shellpoint Mortgage Servicing and have had issue with my escrow account since XX/XX/XXXX. Initially Shellpoint did not pay my village property taxes when they were due in XX/XX/XXXX, even though they deducted the money from my escrow account. I did not find out that this occurred until the XXXX sent me a letter stating I was in default and if they were not paid, my name was going to be printed in the newspaper. I immediately contacted Shellpoint on XX/XX/XXXX and provided a copy of the letter I received from the village. XXXX days later they paid my taxes ; HOWEVER, they deducted the money from my escrow account AGAIN and never gave me a credit for the tax bill that was never received by my village in XX/XX/XXXX. At that point they reanalyzed my escrow account and increased my payment because my escrow account was short due to their error. I am owed {$1800.00} back into my escrow account and my payment lowered to its previous amount. I have called customer service now 3 times to get this fixed and every time they tell me it 's being escalated to a supervisor, but I have seen no correction and have yet to receive a phone call. I want this fixed immediately and a phone call confirming this. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting one of my installment loans twice. They only one of the 3 credit reporting agencies that is reporting this same loan 2x. I asked them to correct my credit report and they have not. I opened a loan with XXXX Bank on XX/XX/2021. It shows all payments made on time. The exact same loan appears on Equifax a 2nd time also showing opened XX/XX/2021 shows having no payment history but current. By them reporting this loan twice it is effecting my credit score making it seem I have more debt.