23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX, XXXX  Account number XXXX, XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXXXXXX XXXX Account number XXXX, XXXX XXXX XXXX XXXX Account number XXXX, XXXX XXXX Account number XXXX, XXXX Account number XXXX, XXXX XXXX Account number XXXX, XXXX XXXX XXXX  Account number XXXXXXXX XXXX XXXX XXXX  XXXX Account number XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  Account number XXXX, has violated my rights XXXX 

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: Debt collection

I discovered a reported debt from Acima Digital ( formerly XXXX ) on my credit report for {$2800.00}, marked as a charged-off account. However, I have not received any prior communication from the company regarding this debt, including bills, statements, or notices of collection, as required by law. 

The account also contains discrepancies, such as conflicting dates : the last payment is reported as XX/XX/XXXX, but the charge-off date is listed as XX/XX/XXXX. These errors raise questions about the accuracy of the reported information. 

As a consumer, I am entitled to validation of the debt under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). However, I have not received any documentation to confirm this debt is legitimate. 

I am requesting that the creditor or the credit bureau investigate the matter, validate the debt with the necessary documentation, and correct or remove this entry if it can not be substantiated.
Product: Mortgage

we feel unfairly treated and not given an appropriate chance at short sale review
Product: Credit reporting, credit repair services, or other personal consumer reports

To : WESTERN SHAMROCK XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX From : XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX XXXX Date : XX/XX/2019 REF : Courtesy Credit Inquiry Removal Instead of Fraud Investigation. 
Dear Sir or Maam, It is my third time writing a letter to your company. I recently conducted a review of my credit report, and I noticed Western Shamrock put several credit inquiries on credit report that I find to be problematic. 
I know they are not mine, and they are fraudulent, but I dont have ( 30 ) thirty days to wait on an investigation, which I know I will win. I need to remove these inquiries very soon so I can get my V. A. loan for my house, please? 
I have no recollection of doing any business with your company in my life. I got an auto financed with Global Lending, I watched the finance manager called this company, and I saw him send my application to this one company only. 
I contacted your company and asked you all to take action and get these inquiries removed from all three credit bureaus. Your employees assured me they would comply with my request and take whatever steps necessary to resolve this issue. It is my last result. 
I wanted to file this as well and make sure this gets done. 
I am begging your company. Please investigate this and have these inquiries removed at your earliest possible convenience. I am applying for another home mortgage this week. 
I would very much like to have the assurance my credit score is showing an accurate depiction of my creditworthiness. 
Please update me with a full report on your findings soon, and I am begging. I look forward to having this situation rectified as soon as possible. 
Thanks for your prompt attention to this matter, XXXX. XXXX XXXX
Product: Credit card

On XXXXXXXX XXXX XXXX  I was contacted by a company saying that my XXXX account was sending credit card advances for purchases in XXXX, NY. I denied the charges. 
Later that afternoon I was contacted by an " XXXX '' vendor that informed me that my account at the Bank of America was hacked and was being drained of funds. I went to my BofA in XXXX, NJ and informed them my account was being hacked and that I had been asked to get a credit card advance for {$6000.00} dollars and to deposit this in a XXXX account ( XXXX XXXX in XXXX ). The people I was speaking to at the bank knew there was a problem and gave me the money. I handed the XXXX a piece of paper that I wrote " I am being hacked right now. '' The teller did not call a Manager or any other bank official over to try to assess the emergency problem. I have never taken a credit card advance since being XXXX for 25+ years. I then deposited the money in a XXXX  machine XXXX XXXX. I only realized the scam far too late. I have spoken to a branch accounts manager XXXX, who also was unable to get to a reputable accoun/ XXXX  to deal with the problem. I recognize that inthe previous question I said I had not contacted the bank. I have in fact done so. They remitted XXXX $ for the XXXX hack. Thank you. 

I have the documents but can not attach them as of now. I am writing this from my phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I will not provide my full social in regards to my consumer rights You have violated the right fair credit act section 15 U.S.C. 1681e ] as well as 606 section ( b ) & ( c ) ( d ) 1 I ask that you remove This account under the guidelines of metro 2 format compliance this account is inaccurate under fair Credit section 623 ( 1A ) ( B ) ( i ) ( ii ) 3 as well as 609 ( A ) 1 Sec 611-2A1 ( 2B There is full credit report that supports my statement of this illegal matter on page 20 thats clearly has this account listed under my social
Product: Credit card

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/XX/2016, 60 days XX/XX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
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 3 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 need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$490.00} ; XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$360.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$360.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$340.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$120.00} ; XXXX  XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$780.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Mortgage

I have already submitted a complaint and wish to add this information. SPS and or   XXXX   are complicit in committing a felony on  XXXX   XXXX   records  filing a fraudulent assignment in  XXXX  claiming  XXXX  is successor in interest to  XXXX  which has been proven a legal impossibility in my case and thousands of cases across t he US. On top  of that  XXXX   XXXX  has evidenced  one hundred  percent of the assignments she investigated in  my county ar e VOID and fraudulent.     Thank you for your complaint  XXXX  about SELECT PORTFOLIO SERVICING,  INC..     XXXX   XXXX  has certified every page.  100 percent of  the assignments on  XXXX   XXXX  records she investigated only being allowed to investigate homes not in foreclosure, all were fraudulent and VOID.   This is concealed by mayor  XXXX   XXXX  in complicit with the fraud on  XXXX   XXXX  records and most evident o n all county records in the State of  Washington.       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   You can see in Exhibit A Trust Long Beach Mortgage Loan Trust  XXXX  is a faulty trust  XXXX  has been paid a settlement for  due to this trust is VOID and never existed.      XXXX   XXXX   XXXX   On   XXXX   XXXX   XXXX  , the FDIC  Board of Directors approved a se ttlement among the Receiver,  XXXX  and  XXXX , which would settle the lawsuit filed by  XXXX , the Indemnification lawsuit filed by   XXXX   and  all clai ms for indemnification made by  XXXX  against the Receiver, including  two other  lawsuits disputing  XXXX s responsibility for tax liabilities of the failed  XXXX   (   XXXX  Settlement ). In exchange for releases from  XXXX  and  XXXX , the Receiver will pay  XXXX  {$640.00 }   XXXX   in c ash in settlement of its administrative claims in the receivership and will give  XXXX  an allowed general unsecured receivership claim for {>= $1,000,000}. The  XXXX - XXXX -FDIC Settlement agreement can be found at this link :  XXXX - XXXX -FDIC Settlement agreement - PDF. SEE EXHIBIT A The  XXXX - XXXX -FDIC Settlement remains subject to judicial approval in a procedure to be filed by  XXXX  in California, and if approved, will result in the dismissal of the  four   XXXX -related actions pending in the  U.S. District Court for the District of Columbia and the appeal pending in the U.S. Court of Appeals for the District of Columbia Circuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card with XXXX XXXX. I have always made my payments on time. I recently decided to look at my credit report to see my fico scores, and then I realized that there was a late payment showing on my credit report. As you can see, I have always had a stellar payment record with XXXX XXXX. I tried contacting both Experian, XXXX, XXXX, and XXXX with no successful resolution. Experian, XXXX, and XXXX  are reporting me 30 days late. This is definitely an error on their part. I was never 30 days late.
Product: Money transfer, virtual currency, or money service

Money was transferred through Wells Fargo on a XXXX account. A complaint was filed with Wells Fargo informing the person never sent the purse. A request was made to Wells Fargo to return the money and Wells Fargo said no. Wells Fargo should not be doing business with XXXX. Wells Fargo needs to note this on their Web-site and try to do more to help people from being scammed. 

Wells Fargo was on the news last year for fraudulent bank accounts which sounds like Wells Fargo doesn't have a problem taking money from people. And now Wells Fargo will not return my money. 

Date of Transaction : XX/XX/2019 XXXX # XXXX XXXX {$400.00} XXXX # XXXX.
Product: Vehicle loan or lease

On XX/XX/2020 I logged into the payment portal for Peak Acceptance , LLC . I received an error message that stated that I could no longer account through the website. Contact your loan servicer. I called the toll free customer service number for XXXX XXXX XXXX and the message indicated I was to call another number XXXX. I called the number that went straight to voicemail during normal business hours. Odd. So, I called the customer service # associated with Peak Acceptance-About My Loan. XXXX. I got a hold of an associate that told me that the no longer serviced Peak Acceptance and provided the same XXXX number. I tried calling several numbers that I had and left a message for a person named XXXX XXXX, Peak Acceptance- prompt XXXX. I went on XXXX XXXX and found that my loan was indicated as closed and paid in full. I was confused because I still had 10 months left on my loan. I had not received any communication about changes to the pymt portal nor my acct. The next day, XXXX called me and said she wasnt in every day due to CoVid and gave me the new site information and apologized for the confusion. I went on to the portal and signed up. I thought it was odd that there was no account history. I paid my XX/XX/2020 bill with a few more $ . I called the new customer number and spoke to a XXXX. I was hoping to discuss my account I see if they had my account information. I waited for a Spvr and one was not available. After, another review of the new site, i saw that they had a chat feature. I made an inquiry about a late fee. Today, I got a call from XXXX who stated that the late fee had been waived but wanted to know about my XXXX payment. I was shocked. I let him know that there no issues with payment and suggested that he or someone from this new company contact the old one as my XXXX payment was made, He said he could send me a print out of my payments but would accept any information I had related to my past payments nor receipts. I asked to speak to a Spvr and again ... no Spvr as he stepped away from his desk. Odd ... this was the second time this mysterious Spvr was not available. I sent my receipts through the chat feature anyway. I also checked my credit again and the only information in reference to Peak Acceptance other than the closed-paid in full. What is going on with this company? Is this a real existing company? Was there a sell out, closing or a real company that owns my loan?
Product: Debt collection

The following account is not mine from Portfolio Associates LLC.XXXX I never signed an agreement with this company. I've ask the company to provide me with documents and any contract with my signature and also send me a license to collect this debt. They could not provide me with the information. I notice on the bottom of the letter it states '' The communication is from debt collector, but not an attempt to collect a debt '' Accounts Number XXXX {$1000.00}, XXXX XXXX XXXXPortfolio Associates LLC .
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute inquiry SyncbXXXX  XXXX XXXX 
This is not authorized or signed by me. Please Delete.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ) .As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Debt collection

I have filled a dispute several times through XXXX explaining that this is not my debt. I don't live in XXXX.. I live in XXXX. I requested the company send proof of this and the only thing they can send is an invoice. No letter showing that I may have acknowledged this debt or taken responsibility of this. I have no unpaid medical bills. This is clearly fraud. I refuse to pay for something I didn't do. My next order of business is pursuing legal action. I would rather pay a lawyer to sue you for pain and suffering than to pay for something fraudulent. This only shows on my XXXX   credit report and XXXX  is agreeing with the company on this bogus proof or debt they are providing. Is XXXX  an accomplice? I am happy to add them to the lawsuit as well.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX Date Opened : XXXX Balance : {$930.00} Late/Open XXXX XXXX Date Opened : XXXX Balance : {$0.00} Late/Closed XXXX XXXX Date Opened : XXXX Balance : {$0.00} Late/Closed XXXX XXXX  Date Opened : 8/6/2012 Balance : {$0.00} Late/Closed XXXX XXXX Date Opened : XXXX Balance : {$0.00} Late/Closed XXXX XXXX Date Opened : XXXX Balance : {$0.00} Late/Closed XXXX XXXX Date Opened : 8/6/2012 Balance : {$0.00} Late/Closed XXXX XXXX Date Opened : 8/6/2012 Balance : {$0.00} Late/Closed XXXX XXXX  Date Opened : XXXX Balance : {$0.00} Late/Closed XXXX XXXX Date Opened : XXXX Balance : {$0.00} Late/Closed XXXX XXXX Date Opened : XXXX Balance : {$0.00} Late/Closed XXXX XXXX  Date Opened : XXXX Balance : {$0.00} Late/Closed Inquiries : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX - {$1500.00} ( Credit Card ) XXXX  XXXX - {$810.00} ( Credit Card ) XXXX XXXX  {$150.00} ( Credit Card ) XXXX XXXX XXXX XXXXXXXX ( Auto Loan ) None of these are my transactions, yet they are on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with Experian and XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been repeatedly disputing this account with Experian and XXXX, and I do not believe they have conducted a proper investigation into this account. I have also disputed this account directly with the collection company as well. It is my understanding that the FCRA states that an account that is in dispute can not be reported. It is also my understanding that the credit bureaus have 35 days to conduct a reasonable investigation, and I have waited that time period out several times, without anymore than a verification of the account. They have never told me how they verified it, why they did, or any of the information that they collected during their investigations. I am entitled to information. I am entitled to a reasonable investigation. I am entitled to these things within a timely manner! Please help me!
Product: Mortgage

The second mortgage was discharged in a chapter XXXX bankruptcy in XXXX and the debt was not reaffirmed. In XX/XX/XXXX, I reached out to the lienholder and offered a settlement of the debt. On XX/XX/XXXX, we submitted a complete review packet to the lender. On XX/XX/XXXX, the lender flatly refused the settlement offer. On XX/XX/XXXX, a new settlement offer was submitted to the lender. On XX/XX/XXXX, "  XXXX, '' our Single Point of Contact, said that they would likely counter to {$15000.00}. I requested they put that in writing, and they never did. On XX/XX/XXXX, they flatly denied the settlement offer again, and directed us to call XXXX XXXX with any questions. We submitted a third offer and they flatly denied it again in XX/XX/XXXX. A fourth offer and fifth offer were not reviewed - the lender confirmed receipt of documents, then days later sent denial letters based on a lack of the very same documents of which they had previously confirmed receipt. We submitted a sixth offer and review packet, and after weeks of review, we received a letter congratulating us on being selected for a loan modification - which would require us to reaffirm the debt which was discharged in bankruptcy. The letter even states that the request for settlement was not even considered because of the approval for a loan modification.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXX XXXX XXXXXXXX Balance {$690.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance {$1000.00} ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXXXXXX Balance {$810.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XX/XX/XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed must be removed from my credit report immediately. They do not belong to me!!! I have filed several complaints I will now file a lawsuit. I was XXXX  during the time these accounts were open the XXXX XXXX XXXX until XX/XX/XXXX. It is IMPOSSIBLE FOR THEM TO BELONG TO ME Account Bal : Opened : 1 ) XXXX/XXXX  {$0.00} XX/XX/XXXX 2 ) XXXX/XXXX  XXXX  {$0.00} XX/XX/XXXX 3 ) XXXX XXXX  XXXX XXXX {$6.00} XX/XX/XXXX 4 ) PXXXX XXXX {$770.00} XX/XX/XXXX