23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In concerns to the following : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX VA XXXX XXXX {$9100.00}, {$7000.00}, {$8900.00}, {$8400.00} In concerns to the following : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX {$7000.00} XXXX {$9100.00}, {$9000.00}, {$8400.00} XXXX : XXXX XXXX XXXX XXXX TX TransUnion : XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX With respect to the XXXX XXXX XXXX under which we operate with full faith in credit. This constitutes an Official Notice in accordance with the Fair Debt Collection Practices Act and the Truth In Lending Act, that I hereby Dispute the debt in the above referenced account. 
It has come to my attention that there may have been some accounting irregularities in this account which have adversely affected me. In reviewing the account it has come to my attention that fraud and/or other violations of public policy may have occurred in the operation of this account, therefore, I will be conducting discovery to determine the true facts in this matter. This constitutes the exhaustion of my administrative remedy, in accordance with the Administrative Procedures Act, as concerns the above referenced matter. 


Since XXXX the United States has operated upon the good faith and credit of the American people, not the good faith and credit of the Banking industry. Has it not? The government, including the government sanctioned corporations, institutions and banks, have no authority to create money. Only We the American people can create money. We the American people are the originators of the money and are therefore the Creditors. Are we not? 
When I placed my signature on the Promissory Note, giving value to the Note, I was the originator of the funds and, therefore, the Creditor of the transaction. Am I not?

It has come to my attention that the Promissory Note which I executed is an unregistered security and that it may have been sold, traded or assigned in violation of state statutes. Please provide me with a certified copy, front and back, of the original Promissory Note which I signed and presented to the Bank in this transaction and the lawful authority which authorized the Bank to engage in the sale of an unregistered Security, in this transaction. Your failure to provide me with documentary evidence of the lawful authority shall constitute your stipulation that no lawful authority exists and your tacit confession to the unlawful sale of an unregistered security in violation of state statute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've called the credit bureaus, sent certified letters, fax, uploaded documents to no avail. I've been a victim of identity theft. I apply for a small line of credit and was denied, i received my report and noticed several inaccurate accounts, names that aren't mine, and accounts that flat our weren't mine either. I took the proper steps to secure my info, froze accounts to my reports as well as adding a fraud alert. I do recall being informed my XXXX that my license, ssn, and a credit card that i had on file for one of their credit monitoring products that i has years ago had been compromised. Then i also remember that i was on of the millions of South Carolina residents that were affected by the SC Tax breach in 2012, needless to say my info was probably all over the place. Knowing all this i contacted each CRA for an investigation, i was usually on the phone with a representative from an outsourced location in XXXX or the XXXX, which i dont understand why, when i live in the USA, and i know other countries have access to my information as well. The CRA 's haven't responded with anything related to a proper investigation, what i have received was computer generated letters saying that the alleged accounts have been verified.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting ACT ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected or removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal law and my rights as a consumer.
Product: Debt collection

Company has called and harassed family members after being asked to dispute the claim for validity and after telling me that they would no longer contact me or my family members. Stating the company owning the debt would call after it was sent back. The company then proceeded to call family and tell them they were trying to get a hold of me for passing bad checks. I personally talked to XXXX people and my husband talked to XXXX all stating something different. The last female stated she would put it in dispute status and the phone calls would stop. They continued to tell us they were not able to give out any information on the company that holds the debt. They also stated they would only have the debt for 5 days and they could not send me a letter with the information regarding the debt, therefore I could not formally dispute the debt in writing like all other debt collectors. At one point they threatened my husband with a civil law suit if we did not settle the debt with them.
Product: Credit reporting or other personal consumer reports

My credit reports are inaccurate, incomplete and the XXXX XXXX XXXX accounts have not be validated as mine. All have been unverifiable by this creditor. 

XXXX XXXX XXXX has failed to properly investigate the alleged derogatory accounts listed as charge-offs in the amount of {$15000.00} and {$10000.00} on my XXXX and Experian credit XXXX. In addition, mark my account as disputed within the XXXX time-frame which is required by law. I requested information of the original contract I allegedly physically signed and supposedly agreeing to their payment terms when I supposedly opened the account. This is a violation of the FDCPA and FCRA. Violation of the Fair Debt Collection Practices Act ( including but not limited to Section XXXX ) Violation of the Fair Credit Reporting Act ( including but not limited to Section XXXX ). To this date, no information has been provided to me by XXXX XXXX XXXX regarding these accounts nor action to remove these accounts from my credit reports. This information has a large negative impact on my XXXX XXXX. 

I have sent certified letters ( with tracking info ) to XXXX XXXX XXXX on the following dates. 
XX/XX/23 XX/XX/23 I have also sent certified letters ( with tracking info ) letter to XXXX and Experian regarding this same issue on the following dates : XX/XX/23 XX/XX/23 XXXX has removed both disputed derogatory XXXX XXXX XXXX accounts from my credit report.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX : {$6500.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$2800.00} XXXX  XXXX Balance XXXX {$93.00} XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX  XXXX Balance : {$7400.00} XXXX XXXXXXXX Balance : {$6200.00} XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

I went under contract to sell my home on XXXX-2017. Closing date, XXXX-2017. On XXXX-2017, the cclosing attornrey for the buyer sent my release of lender information form to Ditech to get the payoff for my mortgage. Ditech would not release the information to them. The closing attorney contacted my attorney. On XX/XX/XXXX, my attorney 's office was attempting to contact someone to get the payoff information for the next day. No response back. The next morning ( XX/XX/XXXX ) I was to sign my documents for the closing. My real estate agent and myself sat in the office while my attorney again attempted to get the payoff information. They said it would be 24 hrs. We contacted the closing attorney for the buyer and told them we were signed and the form would be there XX/XX/XXXX. They went ahead and signed everything except the final closing document which would be completed when the payoff came. LATE on XX/XX/XXXX the form came with the wrong name on it. We immediately contacted them to have it corrected. They said it would be Monday XX/XX/XXXX. It did not come. On XXXX-2017 my attorney called them and had to get a little nasty with them and they then told him it would be 10 days. This sale is needing to be completed and we ca n't get the payoff information.My attorney asked to talk to a supervisor and the legal dept and they would n't let him talk to either. Its been a week that we have n't been able to close. We need help please.
Product: Mortgage

On XXXX XXXX, XXXX, our mortgage was reinstated through the trustee. We are still getting hang-up calls from the mortgage company, and have contacted their attorney after calling about being able to make the XXXX payment. The representative said we were still being foreclosed on, and hung up yet again. We spoke with the Mortgage company 's attorney, who said the case has been closed since the XXXX of XXXX, and that we were good, so why are we still having these problems with this awful mortgage company? AMERIHOME Mortgage Company is the most disorganized XXXX show I have ever seen. We are still waiting for them to fix payments that were " LOST ''. We almost lost our home because of this company who bought out our mortgage, and to top it off, some guy comes to our house today to do an appraisal, which we turned down, from some bank in NJ. Why are laws not being followed? Why does this company have no regard for business practices, ethics, laws, and integrity? And lastly, why is no one doing anything about this horrible company? Not to mention that they have illegally had our house for sale for 74 days now. Proof XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

My social security number was stolen back in XXXX and the federal government sent me a letter stating this in XXXX. Then this year I started to received phone calls from TRS recovery services stating that I owned on a payday loan, and I told TRS that my ssn was compromised back in XXXX and the agent did not care and stated that I had to pay the debt or else it will post to my credit as bad debt. I was then transferred to a supervisor and I explained the situation and that they had to file a fraud form and the supervisor stated that was not their job to do that. I stated that under federal regulation ( I used to work for XXXX consultants, a collection agency ) that they had to filed the form for fraud, and the supervisor stated that was not her job so I told the supervisor that I was going to file a complaint with the state and the better business bureau. The supervisor stated that they will still call until the debt has been collected.
Product: Mortgage

This is regarding early pay off of my Mortgage. I closed on this loan in XX/XX/XXXX. I was told that this loan had a penalty if paid off before the one year anniversary. I attempted to pay off the loan in XXXX, XXXX which is 2 years and 4 months after the loan began, well after the one year anniversary. When I called to get the pay off amount, the agent first confirmed that there we were not in the early pay off penalty period. She then gave me the pay-off figure which included a 1 % penalty. She then said that the contract indicated that the pre-payment penalty was 1 % after the first year anniversary. She emailed me the contract. This was very concerning because our very clear recollection from closing was a 1 year pre-payment penalty period and we had a document from our mortgage broker clearly stating this. After many phone calls and intervention from our broker, we were told that there was a computer error and the issue was later corrected. However, this was not just a computer glitch as a person had viewed our contract and still indicated that we owed a pre-payment penalty. 
While I have successfully resolved this issue with the help of the broker, I am very concerned that others are being taken advantage by this lender 's unscrupulous practices. I am requesting an audit be completed of similar transactions ( pre-payment of loans and mortgages ) at Bank of Ozark. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent two dispute letters to this transunion disputing two accounts under the name XXXX XXXX XXXX. These accounts total over {$7000.00} of collections on my account. 

I requested validation from XXXX XXXX XXXX. They then sent me a lease without my name on it, claiming it's mine. 

The names in the lease aren't even mine. I'm no where on this lease. I've sent TWO LETTERS WITH A COPY OF THIS LEASE TO TRANSUNION, this is a clear violation of my rights under the 609 clause. As it's clear this is not my debt. 

I'm now asking the CFPB, FTC and XXXX  to step in and demand this comsumer reporting agency delete this account. 

I'm attaching a copy of the lease to support my claim, please note in the first paragraph, second line the names of the residents/lessees names. 

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

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score. CFPB please step up and delete this ASAP.. I am trying to get a job promotion which obviously comes with a raise..

XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  ( showing multiple entries on my credit report ), XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and Chapter XXXX Bankruptcy XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX BANK SS was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Debt collection

This company is trying to collect a debt from 13 years ago.These is acrooked company trying to make me contact them to revalidate the debt. They are calling me on the phone and sending me letters like the one attached below. This has to stop because it is illegal
Product: Debt collection

I have a loan with XXXX XXXX XXXX. I have turned all of my debt over to a debt counseling/consolidation company. I advised XXXX XXXX their contact information and asked that they get in touch with them to work out payments but they refuse to reach out. XXXX XXXX has now started calling my employer at an office that I do not even work at, leaving voicemails on the company voice system and on other employees voicemails about me and my debt. The company has advised them to contact me personally and not to call there but they still continue to call my employer becoming a harassment issue for them as well as myself. I chose this method of debt consolidation to ensure all of my debts are paid instead of bankruptcy or just not paying and I can not understand why they choose to not contact my debt consolidation company. Any help/assistance you could offer would be greatly appreciated. 


Kindest Regards
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account Name : XXXX  XXXX Account # : XXXX Account Name : XXXX  XXXX  Account # : XXXX Account Name : XXXX  XXXX Bankruptcy Status : XXXX Date Filed/Reported : XX/XX/2017 Reference # : XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting

This public record has been sitting on my report for years now. 
I filed a complaint with the City of XXXX, sent them documentation of my address etc, and they promptly removed the lien. The lien was removed because it was in fact AN ERROR, it never should have been placed on my report. At this point however a third party already sent these details to the credit bureaus. 
I 've since disputed the information with each bureau, XXXX & XXXX promptly removed it after properly reviewing the case. However, Equifax still continues to report this. Their response to my complaint was to simply contact the court who listed the information. The courts verified it was listed and removed, and the dates it was listed and removed. My complaint and my dispute was never whether I was the person in question - it was the fact that the lien was improperly filed and should not be listed on my report as a valid record. The original party who filed this is the XXXX County Recorder of Deeds, NOT the court where it was filed. This needs to be removed immediately. If Equifax inted to investigate, they must contact the ORIGINAL furnisher of the information, not a third party ( i.e. the court ). I have called Equifax several times and requested to be contacted by a manager or someone in authority to handle this, and each time I am then put on hold where all I hear for hours is hold music.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( block.inc ) due to inadequate customer service and unfair practices which violate the customer financial protection act ( CFPA ) specifically cashapp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Further more their dispute resolution process was unfair and deceptive as they did not comply with error resolutions requirements under the electronic fund transfer act ( efta ) and regulation e these actions have caused significant inconvenience financial loss and I seek appropriate redress for these violations.
Product: Debt collection

I simply paid into the account and they charge me they charged off the account and it was charged off at XXXX and some odd dollars they then put it back on my credit report as {$10000.00} XXXX and start trying to garnish my wages and garnish my wages for months for money that I do not owe
Product: Credit reporting, credit repair services, or other personal consumer reports

Bankruptcy that i didnt file was not removed i been disputing this for a while. Dates in clued XX/XX/2019 XXXX XXXX, 2019
Product: Debt collection

Debt collection violations under { ( 12 CFR 1006.34 ( b ) ( 5 ) } { ( 12 CFR 1006.34 ( c ) ( 4 ) }, { ( 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). Caine & Weiner Account XXXX XXXX Nature of complaint ; I am filing a complaint against Caine & Weiner for violating the Fair Debt Collection Practices Act ( FDCPA ) by failing to provide validation information as required by law. I was never contacted by Caine & Weiner regarding a debt they claim I owe.they placed a collection on my credit report, but they never sent me a written notice that included the information required under 12 CFR 1006.34 ( b ) ( 5 ) of the FDCPA.this information includes details about the debt, my rights to dispute it, and the consequences of not disputing it. With out this validation information, I am unable to verify the legitimacy of the debt or exercise my rights under the FDCPA. RELIEF SOUGHT : I request that the CFPB investigate this matter and take appropriate action against Caine & Weiner. This includes : Ordering the collection agency to provide me with the required validation information. 2.ordering the collection agency to remove the collection from my credit report, if it was reported without following proper procedures.3.ordering the collection agency to cease all communication regarding this debt until validation of information is provided.4 Ordering the collection agency to stop using false and misleading information or deceptive means to collect debt.