23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2019, I received a letter from a collection agency ( ERC ) stating that I owe XXXX XXXX {$700.00} ( account XXXX reference number XXXX ). I called the 1800 number provided in the letter to inquire about what this debt was in reference to. I spoke to one of your representatives in XXXX and advised him that this is not my debt that I have never opened an account with XXXX XXXX. The representative asked if I knew a XXXX XXXX who lived in XXXX XXXX XXXX, Tx XXXX. I stated that I do not know any XXXX XXXX nor I have I ever lived in Texas and that I have never authorized anyone to open any account under my name. This is obvious a fraud or a mistake. 
I am disputing these charges/debt to be a mistake or Fraud. 

On XX/XX/2019 I wrote ERC the following letter : ERC XXXX. XXXX XXXX XXXX, Fl. XXXX XX/XX/2019 XXXX XXXX Re : XXXX Account Number : XXXX Amount {$700.00} To Whom It May Concern : I am writing this letter in response to the letter received from you on XX/XX/2019. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to  verify that I owe the said debt and have any legal obligation to pay you. 
Please provide me with the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 
Thanking you, On XX/XX/2019, ERC responded via mail with a letter and a copy of a signed " Digital Home Advantage Plan Agreement '' with the customers phone number, email address, Home address, city and State including the date. I have never been to Texas nor I have ever seen or signed that document. Never had that particular email address, home address nor phone number. I have obviously been a victim of FRAUD.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXXXXXX {$12000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$7000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$2200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$960.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$120.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

We have tried to do a loan modification for years with RoundPoint. We were approved 3 times for federal assistance programs only to be denied by their investors. Recently I have tried to apply for a loan modification have have submitted the applications 4 times because they seem to not process the documents on time and state the application is now expired and have us reapply. Because we had so many issues with their documentation process we started working with XXXX a HUD approved agency. We are encountering the same problems were we submitted the same documents 3 times and they insisted have not been received. XXXX advised is to file a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are reporting incorrectly that I am in Collections, and 120 days or more past due, on the XXXX XXXX XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 17 and 18 of the attached credit report. I have rehabilitated these accounts and I am no longer in collection status. Also attached are copies of my bank statements reflecting these payments in accordance with my agreement for the rehabilitation program. This incorrect reporting is harming my credit score.
Product: Student loan

Edfinancial services is purposely making it difficult or impossible to enroll in automatic payments for XXXX loans. This is causing me to lose out on the 0.25 % interest rate deduction. 

I have attempted to enroll in autopay several times with Edfinancial. on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Each time I receive an automated message with the text " Your request to enroll in auto pay has been received '' There is no reflection of pending or approved auto-pay status on my Edfinancial account. 

I contacted Edfinancial on XX/XX/XXXX asking about the status of the auto pay request submitted that same day. I also asked for clarification on their auto-pay policy, which states : " Your payments are generally drafted on your due date but if that date falls on a weekend or holiday, the payment will be deducted the next business day '' Asking if that would lead to late payments, and clarification as to whether or not payments would be deducted on the business day before the weekend or holiday to avoid late payments. 

I received a reply on XX/XX/XXXX which stated " Thank you for contacting Edfinancial Services. According to your account, an AutoPay request was submitted on XX/XX/XXXX. If you apply for AutoPay again, it will reset the process. Let us know if you have any other questions, and we will be more than happy to further assist you. '' With no answer to my question of the auto pay weekend/holiday policy.

I believe Edfinancial are intentionally delaying/denying autopay enrollment to not allow the 0.25 % interest rate deduction, and their auto-pay policy is designed to create late payments for the collection of late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  new york XXXX is committing illegal fraudulent activity against a XXXX person and veteran and I demand immediate action by the cfpb and new York and florida attorney generals offices. 
sunrise credit services in cooperation with XXXX XXXX OF XXXX illegally and unethically placed a false fraudulent item on my credit report for money i DO NOT owe and have never owed. they did this illegally and unethical I AM A XXXX VETERAN AND DO NOT OWE XXXX OR THIS DIRTY EVIL SATANIC XXXX XXXX ANY MONEY! REMOVE THIS FROM MY CREDIT REPORT IMMEDIATELY!! I HAVE REPORTED XXXX AND ALL THREE OF THE CREDIT BUREAUS TO THE XXXX XXXX XXXX THE FLORIDA AND NY ATTORNEY XXXX OFFICES AND THE XXXX FOR FRAUD AND ILLEGAL ACTIVITY!! REMOVE THIS DAMNED COLLECTION ACCOUNT IMMEDIATELY OFF ALL THREE CREDIT BUREAUS OR I WILL SUE XXXX AND XXXX FOR CAUSING ME PAIN SUFFERING AND EMOTIONAL DISTRESS AND RUINING MY CREDIT!! I HAVE FIELD COMPLAINTS WITH LAW ENFORCEMENT AGAINST XXXX XXXX XXXX AND XXXX.
Product: Mortgage

Chase Bank Has literally given me the chase. I have been trying to go through modification and now sale payoff with this bank for almost a year. If they would have given us a loan modification back in 2010, we would ot have such a high balance on our loan, They are forceing us into forclosure.In 2010 with the help of HUD we applied for a modification after being turned down for a refinance from an ARM to a fixed rate with perfect credit score. They have given us the run around ever since. They told us to stop making payments for XXXX days and we would be able to apply for a lower intrest rate loan throught their mod process, so XXXX years later we still find the lies and the run around. They are forceing us itnto forclosure. They are trying to get us to just give up. we have been now in contact with the executive office and are still recieving misinformation peolpe can not take notes properly and can not help with the process. This office has become just aother layer in the chase for someone to do somethig to help the homeowner.After speaking with an Exec office person, the answer was of nothing that was asked.None of the questions that were asked were answered.Phone calls not returned even supervisors ca n't return phone calls. This madnes has affected our familylife for far to long. Can someone please help stop the madness.
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft. there's some accounts that has been open with my information without my concerns and inquiries as well. 
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
Product: Debt collection

Sequium Asset solutions claim I owe them {$350.00}. I dont owe them and never did business with them
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing you this letter in regards to open student accounts/loans reporting on my credit report. These specific loans are reporting inaccurate balances. They have not been verified to be belonging to me. They have also, reached the reporting limit statue of 7 years. I am requesting that the following student loan accounts be removed from my credit report immediately. This is negatively affecting my score, debt to income ratio, and the process of buying a home. I will wait 14 days to ensure the removal of the accounts listed below before I proceed further. I hope that this matter is resolved in a timely manner. 
The accounts to be removed are as followed : XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX Closed XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX DEPT OF ED / NELNET {$430.00} XX/XX/XXXX ( 3 yrs, 3 mos ) DEPT OF ED / NELNET {$440.00} XX/XX/XXXX ( 2 yrs, 6 mos ) DEPT EDXXXX NELNET {$530.00}XX/XX/XXXX ( 2 yrs, 6 mos ) DEPT ED/ NELNET {$1200.00} XX/XX/XXXX ( 2 yrs, 11 mos ) DEPT ED/ NELNET {$1500.00} XX/XX/XXXX ( 3 yrs, 6 mos ) DEPT ED/ NELNET {$1800.00} XX/XX/XXXX ( 6 yrs, 9 mos ) DEPT ED/ NELNET {$2000.00} XX/XX/XXXX ( 4 yrs, 6 mos ) DEPT ED/ NELNET {$2200.00} XX/XX/XXXX ( 2 yrs, 8 mos ) DEPT ED/ NELNET {$2200.00} XX/XX/XXXX ( 3 yrs, 3 mos ) DEPT ED/ NELNET {$3000.00} XX/XX/XXXX ( 6 mos ) DEPT ED/ NELNET {$3100.00} JXX/XX/XXXX ( 6 yrs, 6 mos ) DEPT ED/ NELNET {$3500.00} XX/XX/XXXX ( 6 yrs , 9 mos ) DEPT ED/ NELNET {$3500.00} XX/XX/XXXX( 6 yrs, 2 mos ) DEPT ED/ NELNET {$3600.00} XX/XX/XXXX ( 8 yrs, 2 mos ) DEPT ED/ NELNET {$4300.00} XX/XX/XXXX ( 2 yrs, 11 mos ) DEPT ED/ NELNET  {$4500.00} XX/XX/XXXX ( 4 yrs, 3 mos ) DEPT ED/ NELNET {$4500.00} XX/XX/XXXX ( 5 yrs, 3 mos ) DEPT ED/ NELNET {$4600.00} XX/XX/XXXX ( 6 mos ) Missouri Southern State {$4700.00} JXX/XX/XXXX ( 1 yr, 6 mos ) DEPT ED/ NELNET {$5300.00} XX/XX/XXXX ( 4 yrs, 3 mos ) DEPT ED/ NELNET {$5900.00} XX/XX/XXXX ( 5 yrs, 3 mos ) DEPT ED/ NELNET {$7200.00} XX/XX/XXXX ( 3 mos ) DEPT ED/ NELNET {$8400.00} XX/XX/XXXX ( 6 yrs, 2 mos ) DEPT ED/ NELNET {$9200.00}XX/XX/XXXX ( 8 yrs, 2 mos )
Product: Credit reporting, credit repair services, or other personal consumer reports

BMW Financial Services is still reporting that I an outstanding debt on my consumer credit file. This information is not correct. I would like this account deleted from my credit file.
Product: Debt collection

I received a voice mail from a company claiming to be Advance America collecting on a Payday Loan I had taken out in 2013. I called the company back and they told me they had a warrant for my arrest, that they were coming to my job and my house to take me to jail. I knew it was against the law to do this, and so I called a few more times to obtain the agency 's name. One lady screamed at me stating " How dare I call her job and demand that information. '' I finally got in touch with a woman who stated the company 's name was the Law Offices of XXXX and XXXX. I looked up this name and there is no such company. The company then would not pick up the phone and their voicemail says they are XXXX county collection services '' or some nonsense like that. These people threatened me and it is n't right or lawful. Advance America states they are not in anyway affiliated with these people and that my debt had been forwarded to XXXX XXXX.
Product: Mortgage

Ive applied for loss mitigation assistance in XX/XX/2022, it took well over a month for the mortgage company to look through the documents I submitted and accept them, I submitted them multiple times, the exact same documents, yet they were deemed incomplete until finally on XX/XX/2022 they deemed them completed. During that time I attempted to contact my specialist with no response what so ever from her. I was given documents that stated I will receive an answer in XXXX calendar days, on XX/XX/2022 I called back from an update. I was told I need to give it an additional XXXX  days as their policy is XXXX calendar days. I gave them the XXXX days. I called and spoke to my specialist, finally, and was told he would look at my application that week, the week of XX/XX/2022. It is not XX/XX/2022 and I have not had any updates, nothing from my specialist, and all customer service reps refuse to help me with anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

Many times delays that are being reported on my credit report appear to be incorrect and or misleading. Please make sure to supply proof that this claimed account was in fact overdue and you have the important guidelines to be able to adequately learn more about your allegations. Date Opened : XX/XX/2020 Balance : {$690.00}
Product: Checking or savings account

Chase closed all my accounts ( including XXXX checking, and XXXX   credit cards ) on XX/XX/2019. I asked the representative in bank but he said he couldn't tell me the reason otherwise others would know how to get rid of it. I was told that I would not be able to apply for any product from Chase ever. I have 25 days to move the money from my checking account. I don't see any inappropriate behavior on my accounts so far.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023XXXX XX/XX/2023
Product: Payday loan, title loan, or personal loan

My loan is due on the XXXX of the month, they call and harass me everyday. I miss my payment for XXXX due to financial issues. However I corrected my issues and was going to double up on my payment. They blocked me from sending my payment online because of XXXX weeks late. What kind of rights do I have. Everyone is having problems and we all are trying to deal with it. Why should these companies get away with harassment and threats if you dont pay. Them calling everyday does not make sense to me and it doesnt change the fact that I dont have it. Please help, so no one else have to go through what Im going through.. 

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

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

These records were obtained from XXXX and reported without my explicit consent, violating multiple sections of the Fair Credit Reporting Act ( FCRA ) and other related laws protecting consumers rights regarding the use of personal information. Furthermore, the courts of Oklahoma clearly state that they do not report bankruptcy information to credit reporting agencies. 

Relevant Laws FCRA Section 604 ( a ) ( 2 ) : States that a consumer reporting agency may only furnish a consumer report if the consumer has given written instructions to the agency to do so. I have not provided any such consent for this bankruptcy information to be included.

FCRA Section 611 ( a ) ( 1 ) ( A ) : Grants consumers the right to dispute the accuracy of any information on their credit report. Upon receiving a dispute, the credit reporting agency must conduct a reasonable investigation within 30 days.

FCRA Section 611 ( a ) ( 5 ) ( A ) : Mandates that if the investigation finds the information to be inaccurate or unverifiable, it must be promptly deleted or corrected.

FCRA Section 623 ( a ) ( 1 ) ( B ) : Requires furnishers to provide accurate information and correct any inaccuracies once notified.

FCRA Section 607 ( b ) : Obligates credit reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

FDCPA Section 809 ( b ) : Entitles consumers to request debt validation. The collection agency must provide proof that the debt is valid and that they have the right to collect it. Failure to provide this proof requires the removal of the collection account from the credit report.

TILA Section 131 : Mandates clear and accurate disclosure of credit terms. Any failure to comply with TILA disclosures could invalidate the debt.

Immediate Actions Required Given these legal obligations, I demand that you : 1. Provide definitive proof that I committed the actions as reported, including : Complete documentation proving the validity of the debt.

Verification procedures used during your investigation.

Written confirmation from the original creditor substantiating their claims.

2. Remove the inaccurate and unauthorized accounts and bankruptcy records from my credit report immediately if you can not provide the requested proof.

Failure to comply with this request within the FCRA-mandated 30-day period will result in immediate legal action. This includes filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing all available legal remedies.

Consider this your final notice. If these inaccuracies are not corrected and the accounts are not removed, I will take further action to protect my rights.

I expect a prompt and thorough response. Provide the requested proof or delete the inaccurate accounts and bankruptcy records immediately.
Product: Credit reporting or other personal consumer reports

Request for Information under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681. I have attached copies of how XXXX and XXXX XXXX the inaccuracies in the different section on the account they im disputing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I have had a problem with scams and other things that may happen in my account without my consent.. you have no customer service or support I can speak with. No one to fix technical issues. XXXX also have no type of customer support let say if accounts were hacked either.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S. Code 6801 - Protection of nonpublic personal information. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information these companies did not get my approval or consent, nor did I receive notification of them sending a letter to disclose my information and these are all violations, remove them now! 

XXXX XXXX XXXX XXXXidentity theft-where is my wet signature that I gave permission XXXX XXXX-identity theft-where is my wet signature that I gave permission XXXX XXXX XXXX XXXX XXXXidentity theft where is my wet signature that I gave permission